#SGMuslims4MigrantWorkers Ramadan Fundraiser 2025
8th Annual Zakat-Eligible Fundraiser
The 8th year of #SGMuslims4MigrantWorkers!
This year, we aim to raise at least $50,000 inshaAllah:
First established with #SGMuslims4MigrantWorkers donations in 2023; and
To provide financial relief to Muslim migrant workers and their families with urgent medical or other emergency needs.
All funds raised will go directly to MMA, to disburse through the Standing Solidarity Fund and the Fund for Bereaved Families as necessary, based on the needs of Muslim workers who approach them for help. All disbursements will be listed in MMA’s monthly newsletters (which you can see here).
We are using HitPay to manage transactions. Please note the transaction and credit card fees as follows:
- Domestic (Singapore) Cards: 2.8% + S$0.50
- International Cards: 3.65% + S$0.50 (2% additional fees is charged on foreign currency transactions)
- PayNow: 0.65% + S$0.30 (for transaction values of S$100 and above)
0.9% (min fee S$0.20) (for transaction values below S$100)
If you choose to pay via GrabPay, Atome or Shopee etc, you can view the full fees here.
Replenish Migrant Mutual Aid (MMA)’s Fund for Bereaved Families
Since it was founded in 2020 – at the height of the COVID-19 crisis – MMA has undertaken a growing caseload supporting vulnerable migrant workers. While supporting seriously ill or injured migrant workers who eventually passed away, MMA found itself increasingly called upon to provide support to their widows and families as well. Having lost their sole or primary breadwinners, these families faced great emotional and financial hardship.
Thus, in 2023, with zakat and donations from the #SGMuslims4MigrantWorkers community MMA established a specialised fund for the bereaved families of Muslim migrant workers. This fund – the Fund for Bereaved Families – would provide basic financial support to give these families time to grieve and set their affairs in order, and to establish alternative sources of income to sustain themselves.
The funds raised in 2023 for the inaugural Fund for Bereaved Families had a great and meaningful impact. MMA supported 12 families with the $44,837 raised. The disbursements covered funeral costs, living expenses, support to set up a small business or establish other means of livelihood, support to build a home for a homeless widow and children, school fees to ensure a child could go back to school, and even winter clothes for a bereaved family to get through the winter. Full case and disbursement details are provided in this link. Please exercise caution and self-care reading this document as details may be distressing.
This Ramadan, we are once again fundraising to replenish the Fund for Bereaved Families, to ensure that widows and children left behind by Muslim migrant workers who pass away are not left entirely destitute. While there have been ad hoc fundraisers for certain high profile fatalities, no other organisation runs a specialised Fund to consistently support bereaved families.
As a general principle, the Fund for Bereaved Families provides disbursements to assist families for a period of six months with their living expenses, as well as funeral costs if needed, in order to give them time to grieve and to establish alternative sources of income to sustain themselves. Other factors may be taken into account on a case-by-case basis: for example, disbursements may also include paying off any outstanding debt incurred to meet earlier needs.
Your zakat and donations will directly support Muslim bereaved families, such as the family of 40-year-old S, who tragically lost his life in a lorry accident in December 2024, and the family of R, who passed away at his worksite in Raffles Place after a concrete slab fell on him in January 2025. MMA received these case referrals and hopes to be able to support them through the Fund for Bereaved Families.
The cases supported by MMA represent only a small fraction of the migrant fatalities in Singapore. Many of these deaths, and the resulting impact on families, are linked to systemic issues such as unsafe transportation, inaccessible healthcare, and low wages. Lorry accidents and workplace injuries continue to add to the number of families facing not only the grief of bereavement but also a major loss of livelihood. Your support can provide some relief to as many bereaved families as possible and give them a chance to regain their footing.
Replenish MMA’s Standing Solidarity Fund
In most cases, MMA relies on community fundraising, on a case-by-case basis, to support vulnerable migrant workers who need assistance. Over time, however, MMA recognised that certain individuals require immediate financial support, especially emergency medical cases. MMA set up the Standing Solidarity Fund (SSF) in 2021 to finance urgent cases and to supplement case-specific fundraisers. Since then, the Standing Solidarity Fund has allowed MMA to disburse $105,000 (as of February 2024) to migrant workers for their emergency needs.
By far the most common need the SSF supports is access to medical care. It also supports related urgent needs that migrant workers face as a result of their illness. For example, workers who are seriously ill are often fired and repatriated immediately to their home countries, resulting in a major loss of income. The SSF gives them and their families some subsistence support while they figure out their next steps. Some examples of cases MMA has supported through the SSF are:
- S is a 29 year old Indian migrant worker who had been working in Singapore for 5 years when he was diagnosed with end stage kidney failure from high blood pressure in May 2021. He was repatriated to India within the same month. Thanks to a combination of SSF disbursals (amounting to $5,635.58) and a fundraiser (raising $7,086.42), he was able to undergo a successful kidney transplant – with a kidney donated from his father – in India in December 2021.
- N is a 29 year old Bangladeshi migrant worker who was diagnosed with stage 4 gastric cancer in August 2024. He was given a prognosis of 6 to 12 months to live. Being the breadwinner for his sister and parents, it pained him to return to Bangladesh with no livelihood and little savings, and to require medical care instead. MMA disbursed $3,005 from the SSF to fund palliative surgery in Bangladesh that reduces his pain and discomfort, preserving some degree of quality of life in his last few months.
- K is a Bangladeshi migrant worker who worked in a painting company in Singapore. He was beaten up and physically abused by his employer for coming to work late one morning. Two of his colleagues faced similar abuse from the same employer. The 2 other colleagues lodged a police report against said boss and were repatriated immediately, thus K approached MMA for help. MMA accompanied him to the authorities to request for a company transfer instead. In the meantime, SSF’s urgent disbursal funded his phone top ups and standby cash for a taxi in case he had to escape his dormitory due to the harassment and abuse.
- L, a 38-year-old Bangladeshi construction worker, suffered a hip and head injury after falling from a 3m ladder at work in July 2023. Despite an ongoing salary dispute, his employer deported him, citing a complaint that he was living outside his designated dormitory—though this had initially been approved due to his inability to climb stairs. Back in Bangladesh, K faced a $5,000 employment debt secured against his home, with loan sharks demanding repayment. Unable to work while recovering and awaiting his unresolved WICA compensation, he relied on community support to keep his home.Seeking help for his family’s living expenses, he received $1,380 for three months of support. MMA disbursed $1,380 from the SSF to support three months’ worth of his family’s living expenses. [Placeholder for one more case]
Your zakat and donations would allow MMA to support as many Muslim workers as possible to get medical care.
In medical cases, especially involving serious illnesses, time is critical in order to ensure that workers’ conditions do not deteriorate irreversibly. Medical bills also tend to be high. The urgency and the large bills in medical cases makes it infeasible to start an individual fundraiser in each case. For example, in 2024, MMA assisted J, a Bangladeshi migrant worker with stage 4 lymphoma, who needed $20,000 for a bone marrow transplant. After his family sold their land to fund part of this sum, they requested MMA’s support for the remaining $9,500. Despite vigorous fundraising for over 4 months, the funds raised still fell short of this target, and needed a top-up of $$2,353.87 from the SSF, in order to ensure that J could afford this transplant.
Without the Standing Solidarity Fund, workers like S, N and J above would not have been able to receive medical treatment. Even though some foreign workers may remain in Singapore for over 25 years to work, they are still not entitled to subsidised care granted to citizens or permanent residents. Yet, due to the nature of their work, migrant workers are more likely than Singaporeans to sustain workplace injuries. Additionally, they are at a higher risk of non-work-related illnesses due to their living and working conditions, lack of access to preventative health screening, care, and medication. Your support this Ramadan would ensure that fewer Muslim migrant workers are left stranded without access to medical treatment. The more funds raised, the more workers MMA can support.
Key Metrics Showcasing Our Impact
Together, we have brought significant change to the lives of many—each number tells a powerful story.
What Our Beneficiaries Are Saying
Our heartfelt gratitude to everyone who has supported our mission. Each story shared illustrates the profound effects your kindness has on the lives of those we serve. Together, we create ripples of hope, transforming struggles into stories of resilience and courage.
Beneficiary Name
Experience of Support and Care
Receiving assistance through this initiative has changed my life. The compassion and dedication from the volunteers made a significant difference during my most difficult times. Their unwavering support gave me strength and hope to envision a brighter future.
Volunteer Name
Testimonials of Impact
Tahun Kelapan Kempen #SGMuslims4MigrantWorkers!
Tahun ini, kami menetapkan sasaran mengumpul sumbangan berjumlah sekurang-kurangnya $50,000, insya-Allah, untuk menokok:
Di bawah Migrant Mutual Aid (MMA), yang diasaskan hasil derma daripada kempen #SGMuslims4MigrantWorkers pada tahun 2023; dan
Yang menyediakan bantuan kewangan kepada pekerja asing beragama Islam serta keluarga mereka membiayai keperluan perubatan dan kecemasan.
Semua sumbangan akan disalurkan langsung ke MMA yang kemudian membahagikannya melalui saluran BFF dan SSF berdasarkan keperluan pekerja Islam yang memohon bantuan. Pengagihan disenaraikan dalam surat berita bulanan MMA (baca pautannya di sini).
Kami menggunakan wadah HitPay bagi urusan pembayaran. Berikut pula butiran yuran pembayaran dan kad kredit:
- Kad domestik (Singapura): 2.8% + S$0.50
- Kad antarabangsa: 3.65% + S$0.50 (yuran tambahan 2% dikenakan bagi pembayaran dengan mata wang asing)
- PayNow:
0.65% + S$0.30 (bagi pembayaran berjumlah S$100 ke atas)
0.9% (sekurang-kurangnya S$0.20) bagi pembayaran berjumlah bawah S$100)
Kalau anda memilih GrabPay, Atome, Shopee dan sebagainya, baca butiran yuran di sini.
Menokok Tabung Keluarga Berkabung (BFF) MMA
Ditubuhkan lewat tahun 2020 pada kemuncak krisis COVID-19, MMA kini menguruskan jumlah kes yang kian meningkat saban waktu dalam kalangan pekerja asing. Semasa membantu pekerja sedemikian, yang tidak lama kemudian menghadapi maut, MMA mendapati dirinya terus dihubungi balu dan pihak keluarga bagi mendapatkan sokongan tambahan. Selepas kematian ketua keluarga masing-masing, mereka menderita daripada segi emosi dan kewangan.
Oleh sebab itu, pada tahun 2023, berbekalkan zakat dan derma daripada masyarakat #SGMuslims4MigrantWorkers, MMA menubuhkan dana khusus buat keluarga pekerja Muslim asing yang sedang berkabung. Dana tersebut – Tabung Keluarga Berkabung (BFF) – menyediakan bantuan kewangan asas agar mereka mampu berkabung dengan tenang, menguruskan pelbagai hal selepas kematian dan mencari sumber nafkah lain demi meneruskan kehidupan.
Dana yang terkumpul pada tahun 2023 buat julung-julung kalinya untuk BFF berjaya meninggalkan kesan yang besar lagi bermakna. MMA berjaya membantu 12 keluarga dengan wang berjumlah $44,837 yang terkumpul. Pembahagian wang itu membiayai kos pengebumian, sara hidup keluarga, modal perniagaan atau usaha mencari sumber nafkah baharu, pembinaan rumah buat seorang balu berserta anak-anaknya, yuran sekolah dan pembelian pakaian sejuk. Butiran kes dan pembahagian dana boleh dibaca di sini. Nota: Pembaca diminta berwaspada ketika membaca kerana dokumen itu mengandungi butiran kes yang boleh menggugat ketenteraman.
Pada bulan Ramadan ini, kami bergotong-royong mengumpulkan dana dan menokok BFF sekali lagi demi memastikan balu dan kanak-kanak yang ditinggalkan tidak terbiar begitu sahaja. Sebelum ini, usaha-usaha sementara mengumpul dana memang wujud. Namun, setakat ini, belum ada pertubuhan khusus yang mengendalikan dana istimewa secara tekal buat keluarga-keluarga tersebut.
Pada terasnya, BFF menyediakan bantuan biaya urusan pengebumian dan sara hidup selama enam bulan kepada keluarga pekerja yang meninggal dunia itu. Hal ini dilakukan agar mereka boleh berkabung dengan tenang dan mencari sumber pendapatan lain untuk menyara diri. Setiap kes akan dinilaikan secara sendirian, misalnya, pembahagian dana boleh diperuntukkan ke arah melangsaikan hutang arwah.
Sumbangan zakat dan derma anda akan disalurkan langsung kepada keluarga pekerja yang meninggal dunia, seperti ‘S’, pekerja berusia 40 tahun yang maut akibat kemalangan kenderaan lori pada bulan Disember 2024, dan ‘R’, yang maut ditimpa bongkah simen di Raffles Place pada bulan Januari 2025.
MMA menerima kes-kes sebegini dan berharap dapat membantu keluarga mangsa melalui BFF. Kes-kes ini bahkan merangkumi bahagian kecil sahaja daripada jumlah kematian secara keseluruhannya dalam kalangan pekerja asing di Singapura. Banyak kes kematian dan kesannya ke atas keluarga mangsa terkait dengan isu yang sudah lama berakar tanpa huraian di sini, seperti kaedah pengangkutan yang tidak selamat, penjagaan kesihatan yang tidak mencukupi dan gaji yang rendah. Kemalangan melibatkan lori dan kecederaan di tempat kerja terus memperbanyak jumlah keluarga yang bukan sahaja menderitai pemergian orang tersayang malah kehilangan sumber pendapatan utama. Maka sokongan anda boleh meringankan beban jiwa keluarga mangsa, di samping mengupayakan mereka bertapak semula di alam nyata.
Sumbangan zakat dan derma anda akan disalurkan langsung kepada keluarga pekerja yang meninggal dunia, seperti ‘S’, pekerja berusia 40 tahun yang maut akibat kemalangan kenderaan lori pada bulan Disember 2024, dan ‘R’, yang maut ditimpa bongkah simen di Raffles Place pada bulan Januari 2025.
MMA menerima kes-kes sebegini dan berharap dapat membantu keluarga mangsa melalui BFF. Kes-kes ini bahkan merangkumi bahagian kecil sahaja daripada jumlah kematian secara keseluruhannya dalam kalangan pekerja asing di Singapura. Banyak kes kematian dan kesannya ke atas keluarga mangsa terkait dengan isu yang sudah lama berakar tanpa huraian di sini, seperti kaedah pengangkutan yang tidak selamat, penjagaan kesihatan yang tidak mencukupi dan gaji yang rendah. Kemalangan melibatkan lori dan kecederaan di tempat kerja terus memperbanyak jumlah keluarga yang bukan sahaja menderitai pemergian orang tersayang malah kehilangan sumber pendapatan utama. Maka sokongan anda boleh meringankan beban jiwa keluarga mangsa, di samping mengupayakan mereka bertapak semula di alam nyata.
Menokok Tabung Perpaduan (SSF) MMA
Secara amnya, MMA bergantung pada usaha pengumpulan dana daripada masyarakat awam mengikut keperluan kes pekerja yang memohon. Saban waktu, MMA memerhatikan bahawa beberapa individu memerlukan bantuan kewangan pada kadar segera, terutamanya kes-kes kecemasan. Disebabkan itu, MMA menubuhkan SSF pada tahun 2021 untuk membiayai keperluan kes-kes mendesak serta memberi sokongan tambahan kepada kempen-kempen khusus. Sejak daripada itu, SSF telah membolehkan MMA mengagihkan sebanyak $105,000 (setakat Februari 2024) kepada pekerja asing yang mempunyai keperluan mendesak.
Keperluan utama yang disokong SSF ialah penjagaan kesihatan. Dana itu turut membiayai keperluan mendesak lain berkaitan kesakitan yang dihadapi golongan pekerja. Sebagai contoh, pekerja yang sakit tenat lazimnya dibuang kerja lalu dihantar pulang ke negara masing-masing hingga kehilangan mata pencarian. Dalam hal ini, SSF membantu mereka dan keluarga meneruskan hidup sementara mencari jalan keluar. Berikut contoh kes yang telah MMA bantu melalui SSF:
- ‘S’ merupakan pekerja asing asal India berusia 29 tahun yang sudah bekerja di Singapura sepanjang lima tahun. Beliau disahkan menghidapi sakit ginjal tahap akhir ekoran penyakit tekanan darah tinggi pada bulan Mei 2021. Beliau dihantar pulang pada bulan yang sama. Hasil gabungan pemberian daripada SSF bernilai $5,635.58 dan kempen pengumpulan dana yang meraih $7,086.42, ‘S’ mampu menjalani pembedahan pemindahan ginjal di tanah airnya pada bulan Disember 2021. Beliau menerima organ itu daripada bapanya sendiri.
- ‘N’ merupakan pekerja asing asal Bangladesh, yang juga berusia 29 tahun, dan disahkan menghidapi barah perut tahap keempat pada bulan Ogos 2024. Beliau menerima pengesahan itu setelah berjumpa dengan doktor akibat terlalu banyak muntah. Beliau turut diberitahu bahawa jangka hayatnya berbaki enam hingga 12 bulan sahaja. Hatinya remuk kerana terpaksa pulang ke tanah air tanpa sumber pencarian dan wang simpanan yang sedikit, apatah lagi beliau merupakan pencari nafkah utama keluarga. Sebaliknya, beliau pula yang memerlukan bantuan penjagaan kesihatan. Disebabkan itu, MMA memberikan wang berjumlah $3,005 daripada SSF bagi membiayai pembedahan paliatif di Bangladesh yang berupaya mengurangkan rasa sakit dan tidak selesa seraya meningkatkan mutu kehidupannya pada saat-saat akhir di dunia.
- ‘K’ pula pekerja asing asal Bangladesh yang berkhidmat dengan syarikat mengecat bangunan di Singapura. Beliau dibelasah dan dicaci oleh pihak majikan kerana lambat sampai ke tempat kerja. Dua rakan kerjanya turut mengalami penderaan sama daripada majikan yang sama, bahkan melaporkan perbuatan itu kepada pihak polis. Namun, mereka dihantar pulang ke tanah air. Oleh sebab itu, ‘K’ memohon bantuan MMA. Anggota MMA menemaninya ke pihak berkuasa bagi meminta pertukaran tempat kerja. Buat sementara waktu, SSF menghulurkan bantuan menokok kredit telefon dan wang menaiki teksi sekiranya perlu melarikan diri dari asrama akibat gangguan dan penderaan lagi.
- ‘L’, pekerja asal Bangladesh berusia 38 tahun, cedera tulang pinggul dan kepala akibat terjatuh dari tangga lipat setinggi tiga meter di tempat kerja pada bulan Julai 2023. Selain itu, beliau dan majikan dalam proses menghuraikan pertikaian mengenai gaji. Namun, ‘L’ tetap dihantar pulang ke tanah air bersandarkan aduan bahawa beliau tidak menetap di dalam asrama yang sudah diperuntukkan buatnya. Hal ini asalnya sudah selesai kerana semua maklum akan kesukarannya memanjat tangga. Sekembalinya ke Bangladesh, ‘L’ menghadapi hutang berjumlah $5,000 bercagarkan rumahnya. Pemiutang mula menuntut bayaran. ‘L’ tidak mampu bekerja semasa menjalani proses pemulihan, malah sedang menunggu huraian kes melibatkan wang pampasan di bawah Akta Pampasan Kecederaan di Tempat Kerja (WICA) Singapura. Beliau bergantung pada sokongan masyarakat supaya boleh terus memiliki rumahnya. ‘L’ menerima bantuan bernilai $1,380 bagi menyara keluarganya sepanjang tiga bulan daripada SSF melalui MMA.
Sumbangan zakat dan derma anda membolehkan MMA menyokong seramai mungkin pekerja Islam mendapatkan penjagaan kesihatan.
Bagi kes-kes perubatan, terutama sekali yang melibatkan penyakit serius, faktor masa sangat kritikal demi memastikan keadaan pekerja tidak merosot hingga tidak mampu diubati lagi. Bil perubatan juga cukup mahal. Faktor keterdesakan dan nilainya yang tinggi menyukarkan lagi penubuhan kempen pengumpulan dana sendirian. Misalnya, MMA membantu ‘J’, pekerja asing asal Bangladesh yang menghidapi barah limfoma, pada tahun 2024. ‘J’ memerlukan wang sebanyak $20,000 bagi menjalani pembedahan pemindahan tulang sumsum. Selepas keluarganya menjual sebidang tanah bagi membiayai kos tersebut, mereka memohon bantuan MMA melunaskan baki $9,500. Sungguhpun giat menjalankan kempen mengumpul dana selama empat bulan, jumlah yang diraih masih tidak mencukupi. Beliau masih memerlukan tokokan $X daripada SSF agar sempat menerima rawatan sebelum terlambat.
Tanpa SSF, pekerja seperti ‘S’, ‘N’, ‘K’ dan ‘L’ tidak mungkin akan menerima penjagaan kesihatan sewajarnya. Meskipun ada segelintir pekerja asing yang mampu bertahan sehingga lebih 25 tahun demi mencari sesuap nasi di Singapura, mereka masih tidak layak menerima penjagaan bersubsidi yang disediakan buat warga negara dan Penduduk Tetap (PR). Namun, pekerja seperti merekalah yang lebih berisiko berbanding orang Singapura sendiri menghadapi kecederaan di tempat kerja. Tambahan itu, mereka lebih berisiko menghidapi penyakit yang tiada kena-mengena dengan pekerjaan ekoran persekitaran harian dan ruang bekerja, kurangnya akses kepada peluang mendapatkan pemeriksaan kesihatan, penjagaan dan perubatan.
Oleh sebab itu, sokongan anda pada bulan Ramadan ini mampu memastikan lebih ramai pekerja asing Islam menerima penjagaan kesihatan. Lebih banyak dana terkumpul bermakna lebih ramai pekerja boleh disokong MMA.
Key Metrics Showcasing Our Impact
Together, we have brought significant change to the lives of many—each number tells a powerful story.
What Our Beneficiaries Are Saying
Our heartfelt gratitude to everyone who has supported our mission. Each story shared illustrates the profound effects your kindness has on the lives of those we serve. Together, we create ripples of hope, transforming struggles into stories of resilience and courage.
Beneficiary Name
Experience of Support and Care
Receiving assistance through this initiative has changed my life. The compassion and dedication from the volunteers made a significant difference during my most difficult times. Their unwavering support gave me strength and hope to envision a brighter future.
Volunteer Name
Testimonials of Impact
