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When a family needs help

Zakat and welfare assistance for families

Where wives without maintenance, single mothers, widows and families in hardship can apply for help: state zakat institutions, the Department of Social Welfare (JKM) and Government cash aid. This page sets out the types of assistance, how to apply and the documents usually requested, with direct links to each institution's official website.

⏱ 9 min read§ 9 sections📚 15 sources🗓 Updated: 14 Oct 2026

General information, not legal advice or a fatwa. Disclaimer

📘 What you will learn

In short: Zakat is managed by each state's Islamic religious council and given to eligible asnaf; the destitute and the poor are assessed against the household's had kifayah (subsistence threshold). JKM runs the Government's monthly aid, including Child Assistance. This help does not replace maintenance: the right to nafkah from a husband or former husband can still be claimed at the Syariah Court. Conditions and rates change over time — check the official website before applying.

This week's practice
  1. Identify the zakat institution of the state where you live and open its assistance page from the table below
  2. Gather the basic documents: a copy of your identity card, your children's birth certificates, proof of income or an income confirmation letter, and utility bills
  3. If you have children and a low income, check your eligibility for JKM Child Assistance through eBantuan JKM or a JKM district office

At a glance

MYPolygyny.com
Steps

From hardship to help

Zakat and JKM are two separate channels — apply to both if eligible.

Safety firstIn danger: 999 or Talian Kasih 15999 (24 hours).
List your situationHousehold income, dependants, rent, debts, medical costs.
Gather documentsIdentity card, children's birth certificates, proof of income, utility bills.
Apply for state zakatZakatOnline, at a counter, the district religious office, or the mosque amil.
Apply for JKM aidJKMeBantuan JKM or the JKM district office — for example Child Assistance.
Claim maintenanceAid does not replace maintenance: claim it at the Syariah Court.
Asnaf

The asnaf most relevant to families

Fakir (destitute)Wealth or income below 50% of the had kifayah.
Miskin (poor)Above 50% but still below the had kifayah.
Gharimin (debtors)In debt for basic living needs.
Ibnu sabilA traveller cut off from provisions.

1Who this page is for

Hardship in a household can come from many directions: a husband who does not provide maintenance or leaves home, divorce, a husband's death, illness, or losing a job. In such situations there are two main channels set up to help:

  • Zakat — managed by the state Islamic religious council through the state zakat centre, under the state government's jurisdiction. Its recipients are called asnaf.
  • Department of Social Welfare (JKM) — the Federal Government agency that runs monthly financial aid and welfare services.

There is also Government cash aid such as Sumbangan Tunai Rahmah (STR). Applying for help is not a sign of failure; these channels exist precisely for hard times.

Zakat and JKM aid do not replace maintenance. If a husband or former husband can pay but does not maintain his wife or children, that right can still be claimed at the Syariah Court. See Enforcing maintenance and Abandoned by a husband.

2The eight asnaf and who they cover

Surah at-Taubah 9:60 lists the eight groups entitled to receive zakat. The definitions below are summarised from the Government's official portal (MyGOV) and the official websites of MAINS and Lembaga Zakat Selangor. For the destitute and the poor, the measure used is the had kifayah, the level of basic needs for oneself and one's dependants set by the zakat institution and reviewed every year.

AsnafBrief meaningRelevance to families in hardship
Fakir (the destitute)No income at all or extremely poor; wealth/income below 50% of the had kifayahSingle mothers, widows or wives with no income or support at all
Miskin (the poor)Has income but not enough for basic needs; above 50% but still below the had kifayahLow-income families, single mothers who work but do not earn enough
AmilThose appointed to manage the collection and distribution of zakat—
Muallaf (new Muslims)People who have recently embraced Islam and need supportFamilies of new Muslims
Riqab (those in bondage)Originally freeing slaves; sometimes interpreted as freeing a person from bondageDepends on state policy
Gharimin (debtors)People in debt for basic living needsFamilies weighed down by rent, bill or medical debts
Fisabilillah (in the way of Allah)Efforts in the way of Allah such as Islamic education and da'wahSome education aid is channelled through this category
Ibnu sabil (stranded travellers)A traveller cut off from provisionsPeople stranded far from home
A wife whose husband is present but does not provide maintenance. Zakat eligibility is assessed on the household's actual situation through the zakat institution's investigation. Describe your situation honestly and bring evidence (for example a report or a claim at the Syariah Court). How each state assesses this differs — please check with your state's zakat institution.

3State-by-state zakat assistance

You apply to the zakat institution of the state where you reside. This table is built from each institution's official website and the list of zakat agencies on the Government's official portal, MyGOV (malaysia.gov.my), all checked on 14 October 2026. The lists of assistance are summaries, not complete lists. Some state websites blocked automated checking or could not be opened on that date; for those states we write "check the official website" rather than guess.

According to MyGOV, zakat assistance can in general cover monthly financial aid, schooling and higher education, house rental, medical costs, emergencies (disaster, death), business capital for asnaf, and allowances for senior citizens, persons with disabilities and single mothers — depending on the state.

StateInstitutionTypes of assistance (from the official website)How to applyOfficial website
Federal Territories (KL, Putrajaya, Labuan)Federal Territories Islamic Religious Council (MAIWP); collection by the Zakat Collection Centre (PPZ)Assistance is organised in six sectors: welfare, medical, education, protection, economy and community development (the list of sector links on the MyGOV portal).Counter or online. The MAIWP website could not be opened for checking on 14 Oct 2026: Check the official website for the current application system.maiwp.gov.my — Zakat assistance
SelangorSelangor Zakat Board (LZS)Basic assistance: monthly financial aid, monthly food aid, house rental. Main assistance: Hari Raya gift, house building, primary/secondary school fees, bursaries, small scholarships, house repairs, medical aid.Three channels: the portal or the EZO system; the Assistant Amil at the mosque; an LZS counter/branch. Then an investigation (field visit and documents), approval under the Zakat Distribution Eligibility Guidelines and Conditions (GPSKAZ), and notification of status through EZO.zakatselangor.com.my — Zakat application
Negeri SembilanNegeri Sembilan Islamic Religious Council (MAINS)Destitute and poor: monthly allowance, basic needs, medical, education, housing, dialysis, entrepreneurship, vocational training. Debtors: debt relief, housing, medical.Online through MAINS eMohon Zakat, or at a MAINS counter (see the contact page on the portal).portal.mains.gov.my — Zakat assistance
JohorJohor Islamic Religious Council (MAIJ)14 schemes, including Monthly Living Aid, Medical, Housing, House Rental, Self-reliance, Debt Settlement, Urgent (Emergency) Aid, Hari Raya, School Uniforms, Bursaries and Higher-Education Registration.MAIJ form at MAIJ headquarters (Pusat Islam Iskandar, Johor Bahru) or a district religious office, or online at epayment.maij.gov.my. MAIJ's general conditions: a Johor native who has lived in Johor for at least three consecutive years and pays zakat in Johor, and who receives no assistance from any other party.maij.gov.my — Assistance schemes
KedahKedah State Zakat Board (LZNK)The official website could not be opened for checking on 14 Oct 2026. Check the official website.Check the official website.zakatkedah.com.my
KelantanKelantan Council of Islamic Religion and Malay Custom (MAIK)The eAgihan system covers 20 types of assistance, including General Aid, Fixed Monthly Aid, House Rental, Medical Treatment, Home Restoration, Housing, Aid to Debtors (Gharimin), Schooling, Hari Raya and higher-education aid.Online at MAIK's eAgihan portal: enter your identity card number, choose the type of assistance and check eligibility. Status can be checked with the identity card number or the reference number.eagihan.e-maik.my
MelakaPusat Zakat Melaka (collection); distribution by the Melaka Islamic Religious Council (MAIM)According to the Chief Minister of Melaka (Berita RTM, 24 Dec 2024), zakat is distributed to the eight asnaf through various schemes and assistance programmes covering basic needs, education, health, business capital and socio-economic development. For MAIM's own schemes, check the official website.MAIM branch counters: list of branches. How to apply online: Check the official website.izakat.com
PahangPahang Islamic Religious and Malay Custom Council (MUIP)MUIP's zakat assistance page could not be opened for checking on 14 Oct 2026. Check the official website.Check the official website.muip.gov.my — Zakat assistance schemes
PerakBaitulmal, Perak Islamic Religious and Malay Custom Council (MAIPk)Schemes for Monthly Financial Aid, Emergency/Urgent Aid, Medical, Haemodialysis, House Building, House Repair, Debt Settlement, Disaster, Hari Raya, Capital, and skills and entrepreneurship training for asnaf.Download the form from MAIPk's Zakat Assistance Forms page and submit it to a MAIPk office or district administration office.maiamp.gov.my — Zakat assistance forms
PerlisPerlis Council of Islamic Religion and Malay Custom (MAIPs)The official website blocked automated checking on 14 Oct 2026. Check the official website.Check the official website.maips.gov.my
Pulau PinangZakat Pulau Pinang (ZPP), Penang Islamic Religious Council (MAINPP)The Zakat Pulau Pinang Portal lets you check the status and record of assistance applications. The Kafalah Mahabbah Scheme gives a contribution to the heirs of a monthly zakat aid recipient upon death (subject to terms). Other schemes: Check the official website.Log in to the Zakat Pulau Pinang Portal to check; how to apply: Check the official website.zakatpenang2u.com; zakat.mainpp.gov.my
SabahZakat and Fitrah Division, Sabah Islamic Religious Council (MUIS)MUIS distributes zakat to asnaf through various distribution schemes. List of schemes: Check the official website.MUIS headquarters, Wisma MUIS, Kota Kinabalu; telephone 088-279100 (as given on the MUIS official website).muis.sabah.gov.my — Zakat & Fitrah Division
SarawakSarawak Baitulmal Fund (TBS)Distribution to asnaf through four programmes, including the Programme to Strengthen Community Welfare (PMKU). Details of assistance: Check the official website.Check the official website.tbs.org.my
TerengganuTerengganu Council of Islamic Religion and Malay Custom (MAIDAM)The official website blocked automated checking on 14 Oct 2026. Check the official website.Check the official website.maidam.gov.my
Not sure where to start? Ask the amil or assistant amil at your local mosque. In many states they can help fill in the form and bring your situation to the zakat institution's attention.

4Department of Social Welfare (JKM): help for families

JKM runs several monthly financial aid schemes. The details below are taken from the Government's official portal MyGOV — Financial assistance (updated 13 Mar 2026, checked 14 Oct 2026). The jkm.gov.my website could not be opened from our server on the date of checking; current rates and conditions should be checked on JKM's official website or at a JKM district office.

How to apply: online through eBantuan JKM (the application link given by MyGOV), or in person at the JKM district office where you live.

Child Assistance (BKK)For families or guardians of eligible children, including children who have lost a carer or whose parent is in detention. Rates according to MyGOV: RM250 per child aged 6 and under, RM200 per child aged 7–18, up to RM1,000 a month per family. Income conditions: check the official website.
General Assistance (Bantuan Am)For individuals or families of limited means not covered by any other JKM monthly scheme. Federal General Assistance (Bantuan Am Persekutuan) is for citizens residing in the Federal Territories whose household income does not exceed the hardcore-poverty Poverty Line Income (PGK); RM150 to RM500 a month per family. In other states general assistance is run at state level — check the official website.
Foster Child Assistance (BAP)For families caring for children under 18 who have no parents (not adopted children), for example relatives caring for an orphaned grandchild, niece or nephew. RM250 a month per child, up to RM500 a month per family.
Elderly Assistance (BWE)For senior citizens aged 60 and above whose household income does not exceed the PGK. Useful if a parent living with you needs support.
Services, not just moneyJKM also provides welfare officers, counselling and protection for victims of domestic violence. See Domestic violence.

5Government cash aid: STR and SARA

Sumbangan Tunai Rahmah (STR) is paid directly by the Inland Revenue Board (LHDN) to low-income groups. According to MyGOV, the household category covers citizens living in Malaysia with a gross monthly household income of RM5,000 or less, including single mothers, widows or divorcees with children who meet the conditions. There is also a single category (including single mothers, widows or divorcees without children, aged 21–59, income RM2,500 or less) and a category for senior citizens without a spouse. The rate depends on income and the number of children.

After a divorce or a husband's death, make sure your household details in STR are updated, because marital status and the number of children decide the category.

Sumbangan Asas Rahmah (SARA) is aid for basic necessities credited to the MyKad and spent at participating shops. Monthly SARA is for the hardcore poor/poor (STR recipients with an eKasih record) and other STR recipients.

STR and SARA conditions and rates change every year. Refer to the official STR portal (LHDN) before applying; the figures above are as stated by MyGOV on the date of checking.

6Urgent helplines

  • 999 — police, ambulance and emergencies. Call at once if you or your children are in danger.
  • Talian Kasih 15999 (24 hours) — the helpline of the Ministry of Women, Family and Community Development (KPWKM) and JKM for welfare problems, abuse and domestic violence, and family crises. It can connect you with a welfare officer.
  • HEAL Line 15555 — mental health support, Ministry of Health Malaysia.

There is no reason to feel ashamed to call these lines. The officers there take calls like yours every day.

7Where to start: step by step

  1. Make sure you are safe first. If there is a threat or violence, call 999 or Talian Kasih 15999 before anything else.
  2. Write down your situation. Monthly household income, number of dependants, rent, debts and medical costs. Zakat and JKM officers will ask about these.
  3. Gather your documents (list below). Make copies; keep the originals.
  4. Apply for zakat in your state. Use the online system if there is one, or go to the zakat centre counter or the district religious office, or see the amil/assistant amil at your mosque.
  5. Apply to JKM at the same time if you have children or care for an elderly person: through eBantuan JKM or the JKM district office. Zakat and JKM applications are two separate channels.
  6. Check STR. Register or update your household details on the STR portal.
  7. Claim the maintenance that is your right. If your husband or former husband can pay but does not, file a claim at the Syariah Court, and use the Family Support Division (BSK) if the order is not obeyed. See Enforcing maintenance.
  8. Be ready for an investigation. Most zakat institutions carry out a visit or investigation before approval. Keep your application reference number and check the status from time to time.
  9. Reapply or update when your circumstances change — monthly aid is usually reviewed periodically.

8Documents usually requested

MyGOV mentions supporting documents such as a copy of the identity card, pay slips, utility bills and an income confirmation letter. Depending on your situation, the following are also commonly needed. Each institution has its own list, so check your state's form.

  • Copies of the identity cards of the applicant and dependants; children's birth certificates or MyKid
  • Pay slips, an income statement, or a letter confirming income / unemployment (usually certified by a village head, penghulu, imam or a recognised officer — ask your institution)
  • Utility bills and the house tenancy agreement
  • Marriage certificate; divorce certificate or court order (for single mothers); husband's death certificate (for widows)
  • Proof of a maintenance claim or a related report, if the husband does not provide maintenance or has left home
  • A doctor's report or letter, if applying for medical aid
  • A bank statement for an account in your own name, for payment of aid

9Accuracy of this information

Every fact on this page is taken from the official website of the institution concerned or the Government's official portal (malaysia.gov.my), checked on 14 October 2026. We do not list zakat aid amounts because they are decided by investigation and each state's had kifayah. For states whose websites could not be checked (Kedah, Pahang, Perlis, Terengganu, and the scheme details for Melaka, Pulau Pinang, Sabah, Sarawak and the Federal Territories), please check the official website. If you find information that has changed, tell us through the Ask page.

Sources & references

Surah at-Taubah 9:60Official Portal of the Government of Malaysia (MyGOV) — Zakat Assistance; Types of Zakat Assistance; List of State Zakat Agencies (updated 7 Oct 2026) — https://www.malaysia.gov.my/my/categories/bantuan-kebajikan--kemudahan/bantuan-zakat — checked 14 Oct 2026MyGOV — Financial Assistance: STR, SARA, Child Assistance, Federal General Assistance, Foster Child Assistance, Elderly Assistance (updated 13 Mar 2026) — https://www.malaysia.gov.my/my/categories/bantuan-kebajikan--kemudahan/bantuan-kewangan — checked 14 Oct 2026Lembaga Zakat Selangor — Zakat Application — https://www.zakatselangor.com.my/agihan-zakat/permohonan-zakat/ — checked 14 Oct 2026Negeri Sembilan Islamic Religious Council — Zakat Assistance — https://portal.mains.gov.my/agihan-zakat-v3 — checked 14 Oct 2026Johor Islamic Religious Council — Assistance Schemes — https://www.maij.gov.my/?page_id=405 — checked 14 Oct 2026MAIK — eAgihan Portal — https://eagihan.e-maik.my/ — checked 14 Oct 2026MAIPk — Zakat Assistance Forms — https://www.maiamp.gov.my/index.php/zakat/borang-bantuan-zakat.html — checked 14 Oct 2026Zakat Pulau Pinang — Portal — https://zakatpenang2u.com/ — checked 14 Oct 2026Sabah Islamic Religious Council — Zakat & Fitrah Division — https://muis.sabah.gov.my/bahagian-zakat-fitrah — checked 14 Oct 2026Tabung Baitulmal Sarawak — https://www.tbs.org.my/www/ — checked 14 Oct 2026Pusat Zakat Melaka — https://www.izakat.com/ — checked 14 Oct 2026Department of Social Welfare — https://www.jkm.gov.my/ ; eBantuan JKM — https://ebantuanjkm.jkm.gov.my/Talian Kasih 15999 (KPWKM/JKM); HEAL Line 15555 (Ministry of Health Malaysia)Berita RTM — MAIM distributes RM134 million in zakat collections to the eight asnaf (24 Dec 2024) — https://berita.rtm.gov.my/nasional/senarai-berita-nasional/senarai-artikel/maim-agih-kutipan-zakat-berjumlah-rm134-juta-kepada-lapan-asnaf/

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