PTPTN - SHARI'AH STRUCTURING ?

PTPTN may view it's furtherence bright future by Shari'ah based structuring its Fund by affiliating with SUKUK, SECURITIZATION by QIRADH, TAKAFUL & ZAKAT.

Among the common safe-guard through such structure are:

1. Students may be rescued from future Debt-liability,

2. Potection of the Fund from Deficiting with gradual effect,

3. The Government with gradual effect may be able to reduce its liability in injecting additional figures in to the fund, which may eventually with a strict time-frame result a zero-contribution needed from the government and,

4. Also a time may arrive when students may not be required to be tied up with the loan, but only liability-free financial aids or scholarship, but

5. With a simple condition that, students shall serve the nation full heartedly as a national & ummatic obligation.