FatwaFederal TerritoriesTransactions & Finance
BAYAN LINNAS SIRI KE-149: STATUS PELANGSAIAN PINJAMAN PTPTN MENURUT PERSPEKTIF SYARAK
Must PTPTN loans that are guaranteed by the government still be repaid by borrowers according to Sharia?
Short answer
This Bayan Linnas explains that PTPTN funds come from financial institutions and the sale of sukuk, with the government acting as guarantor of the sukuk.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Bayan Linnas
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
This Bayan Linnas explains that PTPTN funds come from financial institutions and the sale of sukuk, with the government acting as guarantor of the sukuk. If the debt is written off, PTPTN and the government bear the burden, and funding for new and existing students would be affected. In the portion provided, dhaman (debt guarantee) is defined and its pillars begin to be discussed in order to assess the view that a government guarantee removes the borrower's obligation.
Written in our own words from the original fatwa — check the source before acting on it.
Sekiranya hutang tersebut dihapuskan dan para pelajar tidak perlu membayar balik, hakikatnya PTPTN dan kerajaan juga yang menanggung kesan hutang itu.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “BAYAN LINNAS SIRI KE-149: STATUS PELANGSAIAN PINJAMAN PTPTN MENURUT PERSPEKTIF SYARAK”, 27 September 2018. https://muftiwp.gov.my/ms/artikel/bayan-linnas/2620-bayan-linnas-siri-ke-149-status-pelangsaian-pinjaman-ptptn-menurut-perspektif-syarak. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/must-ptptn-loans-be-repaid/