PTPTN is a "Holistic Fund" because of:
1. It facilitates the national human capital development scheme through acquiring knowledge (‘Ilmu) and its development for the noble causes of the nation.
2. It helps the parents to be enabled to educate their children in achieving their true legitimate goals for own-self, family, community, society, nation and the Ummah.
3. It facilitates the government to create a nation with skill & due professionalism.
4. It helps the nation to be proud of its children with knowledge, skill, maturity & right professionalism.
5. To sum up that, PTPTN is a fund that supports in seeking knowledge (‘Ilmu) and building up the children with true skill and dynamism towards greater benefits of the country and the Ummah in general.
Thus, it (PTPTN) shall not be subject to an unnecessary political debate, rather it shall be respected by all in discovering possible result oriented avenues towards furtherance dynamism of the scheme (PTPTN) and advantages for the students leading to national benefits.
However, PTPTN may view its furtherance bright future by Shari'ah based structuring its Fund by affiliating with SUKUK, SECURITIZATION by QIRADH, TAKAFUL & ZAKAT.
Among the common safe-guards through such structure are:
1. Students may be rescued from future Debt-liability.
2. Protection of the Fund from being Deficit with gradual effect.
3. The Government with gradual effect may be able to reduce its liability from injecting additional figures in to the fund.
4. This may eventually with a strict time-frame result a zero-contribution needed from the government.
5. A situation may one day arrive when students need not to be tied up with the loan, but only liability-free financial aids or scholarship with a simple condition that, students shall serve the nation full heartedly as a national & ummatic obligation.
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