FatwaFederal TerritoriesTransactions & Finance
HUKUM MAIN KUTU moden
What is the ruling on modern kutu (rotating savings) schemes promoted on Facebook?
Short answer
Participating in kutu is originally permissible as long as it is free from riba, injustice and other prohibited elements.
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
- Al-Kafi li al-Fatawi
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Participating in kutu is originally permissible as long as it is free from riba, injustice and other prohibited elements. It is treated as reciprocal lending of equal amounts and periods, so the benefit is shared by all members and does not favour only a lender. The permissibility is linked to trustworthy members, a limited and reasonable group size and a written agreement. However, the Kutu Fund (Prohibition) Act 1971 makes running a kutu fund business an offence under national law.
Written in our own words from the original fatwa — check the source before acting on it.
Pada asalnya bermain kutu ialah dibenarkan selagi mana jauh daripada riba, kezaliman dan unsur-unsur yang haram.
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. “HUKUM MAIN KUTU moden”, 18 December 2015. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/1673-hukum-main-kutu. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-on-modern-kutu-schemes/