Si Pensil Dan Si Penghapus

<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody> <tr><td style="text-align: center;"><a href="http://3.bp.blogspot.com/-EOr1_WsnwLA/Tl3rSllBGQI/AAAAAAAAAKg/EZBlLE3wl_c/s1600/images+%25286%2529.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="http://3.bp.blogspot.com/-EOr1_WsnwLA/Tl3rSllBGQI/AAAAAAAAAKg/EZBlLE3wl_c/s1600/images+%25286%2529.jpg" /></a></td></tr> <tr><td class="tr-caption" style="text-align: center;"><i><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">sejati</span></i><span class="Apple-style-span" style="font-size: small;"><span class="Apple-style-span" style="font-size: small;"><span class="Apple-style-span" style="font-size: 13px;"><br /> </span></span></span></td></tr> </tbody></table> <br /> <div style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 16px;"> </div> <span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Pensil : "Maafkan aku Penghapus..."</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Penghapus : "Maafkan aku??untuk apa Pensil?? Kamu tidak melakukan kesalahan apapun kepadaku..."</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Pensil : "Aku minta maaf karena aku telah membuatmu terluka. Setiap kali aku melakukan kesalahan, kamu selalu berada disana untuk menghapusnya. Namun setiap kali kamu membuat kesalahanku lenyap, kamu kehilangan sebagian dari dirimu. Kamu akan menjadi semakin kecil dan kecil setiap saat..."</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Penghapus : "Hal itu memang benar...Namun aku sama sekali tidak merasa keberatan. Kau lihat, aku memang tercipta untuk melakukan hal itu. Diriku tercipta untuk selalu membantumu setiap saat kau melakukan kesalahan. Walaupun suatu hari, aku tahu bahwa aku akan pergi dan kau akan mengganti diriku dengan yang baru.</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Walaupun suatu hari, aku tahu bahwa aku akan pergi dan kau akan mengganti diriku dengan yang baru. Aku sungguh bahagia dengan peranku. Jadi tolonglah, kau tak perlu khawatir. Aku tidak suka melihat dirimu bersedih..."</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Si Penghapus adalah Orang Tua kita...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Si Pensil adalah diri kita sendiri....</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Orang tua akan selalu ada untuk anak-anaknya...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Untuk memperbaiki kesalahan anak-anaknya...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Namun, terkadang, seiring berjalannya waktu...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Orang tua akan terluka dan akan menjadi semakin kecil...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">(Bertambah tua dan akhirnya meninggal).</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Walaupun anak-anak mereka pada akhirnya akan menemukan seseorang yang baru (Suami atau Istri),</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Namun orang tua akan selalu tetap merasa bahagia atas apa yang mereka lakukan terhadap anak-anaknya dan akan selalu merasa tidak suka bila melihat buah hati tercinta mereka merasa khawatir ataupun sedih.</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">"Hingga saat ini...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Saya masih menjadi Si Pensil...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Hal itu sangat menyakitkan diri saya...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Melihat si penghapus atau orang tua saya semakin bertambah "Kecil" dan "Kecil" seiring berjalannya waktu.</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Kelak suatu hari...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Yang tertinggal hanyalah "Serutan" si penghapus</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Segala kenangan yang pernah saya lalui dan miliki bersama mereka..."</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">Kisah ini saya dedikasikan secara khusus kepada orang tua saya dan seluruh orang tua kalian...</span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;">mumpung masih di bulan penuh barokah</span><br /> <span class="Apple-style-span" style="font-family: verdana, geneva, lucida, 'lucida grande', arial, helvetica, sans-serif; font-size: 13px;"><br /> </span><br /> <span class="Apple-style-span" style="font-size: xx-small;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><i>: kaskus</i></span></span>

Si Pensil Dan Si Penghapus

sejati Pensil : "Maafkan aku Penghapus..." Penghapus : "Maafkan aku??untuk apa Pensil?? Kamu tidak melakukan kesala...

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Selamat Hari Raya Idul Fitri 1432 H

<div class="separator" style="clear: both; text-align: center;"> <a href="http://3.bp.blogspot.com/-SUSfR7chyE8/Tl3KZ31XDrI/AAAAAAAAAKc/7udb9xKdPKU/s1600/1432.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-SUSfR7chyE8/Tl3KZ31XDrI/AAAAAAAAAKc/7udb9xKdPKU/s1600/1432.jpg" /></a></div> <i><br /> </i><br /> <div style="text-align: center;"> <i><b>TAQABALLAHU MINNA WA MINKUM</b></i></div> <div style="text-align: center;"> <i><b>SSIA MANA WASSYA MAKUM</b></i></div> <div style="text-align: center;"> <i><b>MINAL AIDZIN WAL FAIDZIN</b></i></div> <div style="text-align: center;"> <i><br /> </i></div> <div style="text-align: center;"> <span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">" Semoga kita kembali kepada Fitrah yang sebenarnya.."</span></div> <div style="text-align: center;"> <span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Aamiin..</span></div> <div style="text-align: center;"> <br /></div>

Selamat Hari Raya Idul Fitri 1432 H

TAQABALLAHU MINNA WA MINKUM SSIA MANA WASSYA MAKUM MINAL AIDZIN WAL FAIDZIN " Semoga kita kembali kepada Fitrah yang sebe...

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Tentang Muamalah

<br /> <div class="separator" style="clear: both; text-align: center;"> <a href="http://4.bp.blogspot.com/-jZqXL_-zZRg/Tl28iRFvClI/AAAAAAAAAKY/efGq8o1PfNQ/s1600/A003.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="133" src="http://4.bp.blogspot.com/-jZqXL_-zZRg/Tl28iRFvClI/AAAAAAAAAKY/efGq8o1PfNQ/s400/A003.JPG" width="400" /></a></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span class="Apple-style-span" style="font-family: 'Times New Roman', serif;"><br /> </span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Hukum Jual Beli<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">                            Jual beli dalam bahasa Arab terdiri dari dua kata yang mengandung makna berlawanan yaitu Al Bai’ yang artinya jual dan Asy Syira’a yang artinya Beli. Menurut istilah hukum Syara, jual beli adalah penukaran harta (dalam pengertian luas) atas dasar saling rela atau tukar menukar suatu benda (barang) yang dilakukan antara dua pihak dengan kesepakatan (akad) tertentu atas dasar suka sama suka (lihat QS Az Zumar : 39, At Taubah : 103, hud : 93)</span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Orang yang terjun dalam bidang usaha jual beli harus mengetahui hukum jual beli agar dalam jual beli tersebut tidak ada yang dirugikan, baik dari pihak penjual maupun pihak pembeli. Jual beli hukumnya mubah. Artinya, hal tersebut diperbolehkan sepanjang suka sama suka. Allah berfirman. <i><u>lihat Al-qur,an on line di gogle</u></i><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 42.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -42.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : “<i>Hai orang-orang yang beriman, janganlah kamu saling memakan harta sesamamu dengan jalan yang bathil, kecuali dengan jalan perniagaan yang berlaku dengan suka sama suka diantara kamu.”</i>(QS An Nisa : 29<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Hadis nabi Muhammad SAW menyatakan sebagai berikut.<o:p></o:p></span></div> <div align="right" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: right;"> <span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 16.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">ﺇﻨﻤﺎ ﺍﻟﺒﻴﻊ ﺗﺮﺍﺩ </span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">(</span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 16.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">ﺮﻮﺍﻩ ﺍﻠﺒﺨﺎﺮﻯ)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : “<i>Sesungguhnya jual beli itu hanya sah jika suka suka sama suka.”</i> (HR Bukhari)<o:p></o:p></span></div> <div align="right" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: right;"> <span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 16.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">ﺃﻠﺒﻴﻌﺎﻥ ﺑﺎ ﻟﺨﻴﺎﺭ ﻣﺎ ﻟﻢ ﻴﺘﻔﺮﻗﺎ </span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">(</span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 16.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">ﺮﻮﺍﻩ ﺍﻠﺒﺨﺎﺮﻯ ﻭ ﻤﺴﻠﻢ)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 48.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -48.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : <i>“ Dua orang jual beli boleh memilih akan meneruskan jual beli mereka atau tidak, selama keduanya belum berpisah dari tempat akad.”</i> (HR Bukhari dan Muslim)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dari hadis tersebut dapat disimpulkan bahwa apabila seseorang melakukan jual beli dan tawar menawar dan tidak ada kesesuaian harga antara penjual dan pembeli, si pembeli boleh memilih akan meneruskan jual beli tersebut atau tidak. Apabila akad (kesepakatan) jual beli telah dilaksanakan dan terjadi pembayaran, kemudian salah satu dari mereka atau keduanya telah meninggalkan tempat akad, keduanya tidak boleh membatalkan jual beli yang telah disepakatinya.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Rukun dan syarat Jual Beli<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dalam pelaksanaan jual beli, minimal ada tiga rukun yang perlu dipenuhi.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Penjual atau pembeli harus dalam keadaan sehat akalnya</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Orang gila tidak sah jual belinya. Penjual atau pembeli melakukan jual beli dengan kehendak sendiri, tidak ada paksaan kepada keduanya, atau salah satu diantara keduanya. Apabila ada paksaan, jual beli tersebut tidak sah.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syarat Ijab dan Kabul</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ijab adalah perkataan untuk menjual atau transaksi menyerahkan, misalnya saya <i>menjual </i>mobil ini dengan harga 25 juta rupiah. Kabul adalah ucapan si pembeli sebagai jawaban dari perkataan si penjual, misalnya saya <i>membeli </i>mobil ini dengan harga 25 juta rupiah. Sebelum akad terjadi, biasanya telah terjadi proses tawar menawar terlebih dulu.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pernyataan ijab kabul tidak harus menggunakan kata-kata khusus. Yang diperlukan ijab kabul adalah saling rela (ridha) yang direalisasikan dalam bentuk kata-kata. Contohnya, aku jual, aku berikan, aku beli, aku ambil, dan aku terima. Ijab kabul jual beli juga sah dilakukan dalam bentuk tulisan dengan sarat bahwa kedua belah pihak berjauhan tempat, atau orang yang melakukan transaksi itu diwakilkan. Di zaman modern saat ini, jual beli dilakukan dengan cara memesan lewat telepon. Jula beli seperti itu sah saja, apabila si pemesan sudah tahu pasti kualitas barang pesanannya dan mempunyai keyakinan tidak ada unsur penipuan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Benda yang diperjualbelikan</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang yang diperjualbelikan harus memenuhi sarat sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Suci atau bersih dan halal barangnya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang yang diperjualbelikan harus diteliti lebih dulu<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">4)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang yang diperjualbelikan tidak berada dalam proses penawaran dengan orang lain<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">5)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang yang diperjualbelikan bukan hasil monopoli yang merugikan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">6)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang yang diperjualbelikan tidak boleh ditaksir (spekulasi)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">7)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang yang dijual adalah milik sendiri atau yang diberi kuasa<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-no-proof: yes;"><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="Picture_x0020_1" o:spid="_x0000_i1025" type="#_x0000_t75" alt="Description: 8)" style='width:11.25pt;height:11.25pt;visibility:visible; mso-wrap-style:square'> <v:imagedata src="file:///C:\Users\ALAMsYAH\AppData\Local\Temp\msohtmlclip1\01\clip_image001.gif" o:title="8)"/> </v:shape><![endif]--><img alt="Description: 8)" height="15" src="file:///C:/Users/ALAMsYAH/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" v:shapes="Picture_x0020_1" width="15" /></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang itu dapat diserahterimakan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3.</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Perilaku atau sikap yang harus dimiliki oleh penjual</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Berlaku Benar (Lurus)</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Berperilaku benar merupakan ruh keimanan dan ciri utama orang yang beriman. Sebaliknya, dusta merupakan perilaku orang munafik. Seorang muslim dituntut untuk berlaku benar, seperti dalam jual beli, baik dari segi promosi barang atau penetapan harganya. Oleh karena itu, salah satu karakter pedagang yang terpenting dan diridhai Allah adalah berlaku benar.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dusta dalam berdagang sangat dicela terlebih jika diiringi sumpah atas nama Allah. <i>“Empat macam manusia yang dimurkai Allah, yaitu penjual yang suka bersumpah, orang miskin yang congkak, orang tua renta yang berzina, dan pemimpin yang zalim.”(HR Nasai dan Ibnu Hibban)</i><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Menepati Amanat</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Menepati amanat merupakan sifat yang sangat terpuji. Yang dimaksud amanat adalah mengembalikan hak apa saja kepada pemiliknya. Orang yang tidak melaksanakan amanat dalam islam sangat dicela.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Hal-hal yang harus disampaikan ketika berdagang adalah penjual atau pedagang menjelaskan ciri-ciri, kualitas, dan harga barang dagangannya kepada pembeli tanpa melebih-lebihkannya. Hal itu dimaksudkan agar pembeli tidak merasa tertipu dan dirugikan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Jujur</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Selain benar dan memegang amanat, seorang pedagang harus berlaku jujur. Kejujuran merupakan salah satu modal yang sangat penting dalam jual beli karena kejujuran akan menghindarkan diri dari hal-hal yang dapat merugikan salah satu pihak. Sikap jujur dalam hal timbangan, ukuran kualitas, dan kuantitas barang yang diperjual belikan adalah perintah Allah SWT. Firman Allah <i><u>lihat Al-qur,an on line di gogle</u></i><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 42.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -42.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : <i>Dan (Kami telah mengutus) kepada penduduk Mad-yan saudara mereka, Syu’aib. Ia berkata: “Hai kaumku, sembahlah Allah, sekali-kali tidak ada Tuhan bagimu selain-Nya. Sesungguhnya telah datang kepadamu bukti yang nyata dari Tuhanmu. Maka sempurnakanlah takaran dan timbangan dan janganlah kamu kurangkan bagi manusia barang-barang takaran dan timbangannya, dan janganlah kamu membuat kerusakan di muka bumi sesudah Tuhan memperbaikinya. Yang demikian itu lebih baik bagimu jika betul-betul kamu orang-orang yang beriman.” (QS Al A’raf : 8</i>5)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Sikap jujur pedagang dapat dicontohkan seperti dengan menjelaskan cacat barang dagangan, baik yang diketahui maupun yang tidak diketahui. Sabda Nabi Muhammad SAW yang artinya <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">“Muslim itu adalah saudara muslim, tidak boleh seorang muslim apabila ia </span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">berdagang dengan saudaranya dan menemukan cacat, kecuali diterangkannya.”</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Lawan sifat jujur adalah menipu atau curang, seperti mengurangi takaran, timbangan, kualitas, kuantitas, atau menonjolkan keunggulan barang tetapi menyembunyikan cacatnya. Hadis lain meriwayatkan dari umar bin khattab r.a berkata seorang lelaki mengadu kepada rasulullah SAW sebagai berikut <i>“ katakanlah kepada si penjual, jangan menipu! Maka sejak itu apabila dia melakukan jual beli, selalu diingatkannya jangan menipu.”</i>(HR Muslim)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar </span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">artunya boleh memilih satu diantara dua yaitu meneruskan kesepakatan (akad) jual beli atau mengurungkannya (menarik kembali atau tidak jadi melakukan transaksi jual beli). Ada tiga macam khiar yaitu sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar Majelis<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar majelis adalah si pembeli an penjual boleh memilih antara meneruskan akad jual beli atau mengurungkannya selama keduanya masih tetap ditempat jual beli. Khiar majelis ini berlaku pada semua macam jual beli.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar Syarat<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar syarat adalah suatu pilihan antara meneruskan atau mengurungkan jual beli setelah mempertimbangkan satu atau dua hari. Setelah hari yang ditentukan tiba, maka jual beli harus ditegaskan untuk dilanjutkan atau diurungkan. Masa khiar syarat selambat-lambatnya tiga hari<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar Aib (cacat)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Khiar aib (cacat) adalah si pembeli boleh mengembalikan barang yang dibelinya, apabila barang tersebut diketahui ada cacatnya. Kecacatan itu sudah ada sebelumnya, namun tidak diketahui oleh si penjual maupun si pembeli. Hadis nabi Muhammad SAW. Yang artinya : <i>“Jika dua orang laki-laki mengadakan jual beli, maka masing-masing boleh melakukan khiar selama mereka belum berpisah dan mereka masih berkumpul, atau salah satu melakukan khiar, kemudian mereka sepakat dengan khiar tersebut, maka jual beli yang demikian itu sah.”</i> (HR Mutafaqun alaih)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><br /> </span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">B.</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bagi manusia yang tidak memiliki iman, segala sesuatunya selalu dinilai dengan harta (materialisme). Manusia berlomba-lomba untuk memperoleh harta kekayaan sebanyak mungkin. Mereka tidak memperdulikan dari mana datangnya harta yang didapat, apakah dari sumber yang halal atau haram. Salah satu contoh perolehan harta yang haram adalah sesuatu yang berasal dari pekerjaan memungut riba. Hadis nabi Muhammad SAW menyatakan sebagai berikut. Yang artinya : <i>“Dari Abu Hurairah r.a ia berkata : Rasulullah SAW bersabda : Akan tiba suatu zaman, tidak ada seorang pun, kecuali ia memakan harta riba. Kalau ia memakannya secara langsung ia akan terkena debunya.”</i> (HR Ibnu Majah)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Kata riba (<i>ar riba</i>) menurut bahasa yaitu tambahan (<i>az ziyadah</i>) atau kelebihan. Riba menurut istilah syarak ialah suatu akad perjanjian yang terjadi dalam tukar menukar suatu barang yang tidak diketahui syaraknya. Atau dalam tukar menukar itu disyaratkan menerima salah satu dari dua barang apabila terlambat. Riba dapat terjadi pada hutang piutang, pinjaman, gadai, atau sewa menyewa. Contohnya, Fauzi meminjam uang sebesar Rp 10.000 pada hari senin. Disepakati dalam setiap satu hari keterlambatan, Fauzi harus mengembalikan uang tersebut dengan tambahan 2 %. Jadi hari berikutnya Fauzi harus mengembalikan hutangnya menjadi Rp 10.200. Kelebihan atau tambahan ini disebut dengan riba.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Allah SWT berfirman. <i><u>lihat Al-qur,an on line di gogle</u></i><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 42.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -42.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : <i>Orang-orang yang makan (mengambil) riba tidak dapat berdiri melainkan seperti berdirinya orang yang kemasukan syaitan lantaran (tekanan) penyakit gila. Keadaan mereka yang demikian itu, adalah disebabkan mereka berkata (berpendapat), sesungguhnya jual beli itu sama dengan riba, padahal Allah telah menghalalkan jual beli dan mengharamkan riba. Orang-orang yang telah sampai kepadanya larangan dari Tuhannya, lalu terus berhenti (dari mengambil riba), maka baginya apa yang telah diambilnya dahulu (sebelum datang larangan); dan urusannya (terserah) kepada Allah. Orang yang kembali (mengambil riba), maka orang itu adalah penghuni-penghuni neraka; mereka kekal di dalamnya. (QS Al Baqarah : 275)</i><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Allah telah melarang hamba-Nya untuk memakan riba, Allah juga menjanjikan untuk melipatgandakan pahala bagi orang yang ikhlas mengeluarkan zakat, infak dan sedekah. Allah SWT berfirman. <i><u>lihat Al-qur,an on line di gogle</u></i><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : <i>“Allah memusnahkan riba dan menyuburkan sedekah<b></b>Dan Allah tidak menyukai setiap orang yang tetap dalam kekafiran, dan selalu berbuat dosa.”</i> (QS Al Baqarah : 276)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : <i>“Hai orang-orang yang beriman, janganlah kamu memakan riba dengan berlipat ganda dan bertakwalah kepada Allah Supaya kamu mendapat keberuntungan.”</i> (QS Ali Imran : 130)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Hadis nabi Muhammad SAW yang artinya :<i> “Dari Jabir r.a ia berkata : Rasulullah SAW telah melaknati orang-orang yang memakan riba, orang yang menjadi wakilnya (orang yang memberi makan hasil riba), orang yang menuliskan, orang yang menyaksikannya, dan (selanjutnya) nabi bersabda, mereka itu semua sama saja.”</i> (HR Muslim)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Beberapa ayat dan hadis yang telah disebutkan menunjukan bahwa Islam sangat membenci perbuatan riba dan menganjurkan kepada umatnya agar didalam mencari rezeki hendaknya menempuh cara yang halal.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ulama fikih membagi riba menjadi empat bagian, yaitu sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba fadal <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba fadal yaitu tukar menukar dua buah barang yang sama jenisnya, namun tidak sama ukurannya yang disyaratkan oleh orang yang menukarnya. Contohnya tukar menukar emas dengan emas atau beras dengan beras, dan ada kelebihan yang disyaratkan oleh yang menukarkan. Supaya tukar menukar seperti ini tidak termasuk riba harus memenuhi tiga syarat sebagai berikut.<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Barang yang ditukarkan harus sama<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Timbangan atau takarannya harus sama<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Serah terima harus pada saat itu juga.<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba nasiah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba nasiah yaitu tukar menukar barang yang sejenis maupun yang tidak sejenis atau jual beli yang pembayarannya disyaratkan lebih oleh penjual dengan waktu yang dilambatkan. Contohnya, salim membeli arloji seharga Rp 500.000. Oleh penjualnya disyaratkan membayarnya tahun depan dengan harga Rp 525.000<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba yad<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba yad yaitu berpisah dari tempat akad jual beli sebelum serah terima. Misalnya, orang yang membeli suatu barang sebelum ia menerima barang tersebut dari penjual, penjual dan pembeli tersebut telah berpisah sebelum serah terima barang itu. Jual beli ini dinamakan riba yad<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Berikut syarat-syarat jual beli agar tidak menjadi riba.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a. Menjual sesuatu yang sejenis ada tiga syarat, yaitu:<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">serupa timbangan dan banyaknya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">tunai, dan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">timbang terima dalam akad (ijab kabul) sebelum meninggalkan majelis akad.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Menjual sesuatu yang berlainan jenis ada dua syarat, yaitu:<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">tunai dan <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">timbang terima dalam akad (ijab kabul) sebelum meninggalkan majelis akad.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba diharamkan oleh semua agama samawi. Adapun sebab diharamkannya karena memiliki bahaya yang sangat besar antara lain sebagai berikut.<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l12 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba dapat menimbulkan permusuhan antar pribadi dan mengikis habis semangat kerja sama atau saling menolong sesama manusia. Padahal, semua agama, terutama Islam menyeru kepada manusia untuk saling tolong menolong, membenci orang yang mengutamakan kepentingan diri sendiri atau egois, serta orang yang mengeksploitasi orang lain.<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l12 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba dapat menimbulkan tumbuh suburnya mental pemboros yang tidak mau bekerja keras dan penimbun harta di tangan satu pihak. Islam menghargai kerja keras dan menghormati orang yang suka bekerja keras sebagai saran pencarian nafkah.<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l12 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba merupakan salah satu bentuk penjajahan atau perbudakan dimana satu pihak mengeksploitasi pihak yang lain.<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l12 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Sifat riba sangat buruk sehingga Islam menyerukan agar manusia suka mendermakan harta kepada saudaranya dengan baik jika saudaranya membutuhkan harta.<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">C.</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Hukum Islam tentang Kerja sama Ekonomi (Syirkah)</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Saat ini umat Islam Indonesia, demikian juga belahan dunia Islam (<i>muslim world</i>) lainnya telah menerapkan sistem perekonomian yang berbasis nilai-nilai dan prinsip syariah (<i>Islamic economic system</i>) untuk dapat diterapkan dalam segenap aspek kehidupan bisnis dan transaksi ekonomi umat. Keinginan ini didasari oleh kesadaran untuk menerapkan Islam secara utuh dan total.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pengertian Musyarakah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Musyarakah adalah akad kerjasama antara dua pihak atau lebih untuk suatu usaha tertentu dimana masing-masing pihak memberikan kontribusi dana atau amal (<i>expertise</i>) dengan kesepakatan bahwa keuntungan dan resiko akan ditanggung bersama sesuai dengan kesepakatan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dasar Hukum</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Landasan hukum dari musyarakah ini antara lain :<o:p></o:p></span></div> <div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;"> <span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 18.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">ﻔﻫﻢ ﺸﺮﻛﺎﺀ ﻓﻲ ﺛﻠﺙ </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Artinya : <i>“… maka mereka berserikat pada sepertiga …”</i> (QS An Nisa : 12)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bersabda Rasulullah yang artinya : <i>“Dari Abu Hurairah, Rasulullah SAW bersabda : sesungguhnya Allah azza wajalla berfirman : Aku pihak ketiga dari dua orang yang berserikat selama salah satunya tidak menghianati lainnya.”</i> (HR Abu Daud)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Hadis tersebut menunjukkan kecintaan Allah kepada hamba-hambanya yang melakukan perkongsian atau kerja sama selama pihak-pihak yang bekerja sama tersebut saling menjunjung tinggi amanat kebersamaan dan menjauhi pengkhianatan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Berdasarkan dalil-dalil diatas, musyarakah (<i>syirkah</i>) dapat diartikan dua orang atau lebih yang bersekutu (berserikat) dimana uang yang mereka dapatkan dari harta warisan, atau mereka kumpulkan diantara mereka, kemudian diinvestasikan dalam perdagangan, industri, atau pertanian dan lain-lain sepanjang sesuai dengan kesepakatan bersama dan hal tersebut hukumnya boleh.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syarat-syarat musyarakah</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dalam bersyarikah ada 5 syarat ayng harus dipenuhi yaitu sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Benda (harta dinilai dengan uang)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Harta-harta itu sesuai dalam jenis dan macamnya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Harta-harta dicampur<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">4)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Satu sama lain membolehkan untuk membelanjakan harta itu<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">5)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Untung rugi diterima dengan ukuran harta masing-masing.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Jenis-jenis musyarakah</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ada dua jenis musyarakah yakni musyarakah pemilikan dan musyarakah akad (kontrak)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Musyarakah pemilikan tercipta karena warisan, wasiat, atau kondisi lainnya yang mengakibatkan pemilikan satu aset oleh dua orang atau lebih. Dalam musyarakah ini, kepemilikan dua orang atau lebih, berbagi dalam sebuah aset nyata dan berbagi pula keuntungan yang dihasilkan oleh aset tersebut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Musyarakah akad tercipta dengan cara kesepakatan dimana dua orang atau lebih setuju bahwa tiap orang dari mereka memberikan modal musyarakah. Mereka pun sepakat berbagi keuntungan dan kerugian. Musyarakah akad terbagi menjadi ‘inan, mufawadah, a’mal, wujuh, dan mudarabah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syirkah ‘inan adalah kontrak antara dua orang atau lebih. Setiap pihak memberikan suatu porsi dari keseluruhan dana dan berpartisipasi dalam kerja, keuntungan dan kerugian yang dibagi sesuai dengan kesepakatan diantara mereka<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syirkah mufawadah adalah kontrak kerja sama antara dua orang atau lebih. Setiap pihak memberikan dana yang jumlahnya sama dan berpartisipasi dalam kerja, keuntungan dan kerugian dibagi secara sama besar<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syirkah a’mal adalah kontrak kerjasama dua orang seprofesi untuk menerima pekerjaan secara bersama dan berbagi keuntungan dari pekerjaan itu. Misal dua orang arsitek menggarap sebuah proyek<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d)</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syirkah wujuh adalah kontrak antara dua orang atau lebih yang memiliki reputasi dan prestise baik dalam bisnis. Mereka membeli barang secara kredit dari suatu perusahaan dan menjual barang tersebut secara tunai. Keuntungan dan kerugian dibagi berdasarkan jaminan yang disediakan masing-masing.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pada bidang perbankan misalnya, penerapan musyarakah dapat berwujud hal-hal berikut ini.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 30.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -30.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pembiayaan proyek. Musyarakah biasanya diaplikasikan untuk pembiayaan dimana nasabah dan bank sama-sama menyediakan dana untuk membiayai proyek tersebut. Setelah proyek itu selesai, nasabah mengembalikan dana tersebut bersama bagi hasil yang telah disepakati<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 30.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -30.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Modal ventura. Pada lembaga keuangan khusus yang dibolehkan melakukan investasi dalam kepemilikan perusahaan, musyarakah diterapkan dalam skema modal ventura. Penanaman modal dilakukan untuk jangka waktu tertentu dan setelah itu bank melakukan divestasi atau menjual bagian sahamnya, baik secara singkat maupun bertahap.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 30.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -30.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><br /> </span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 72.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -72.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">D.</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudarabah (bagi hasil)</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 30.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudarabah adalah akad kerja sama usaha antara dua pihak dimana pihak pertama (<i>sahibul mal</i>) menyediakan seluruh (100 %) modal, sedangkan pihak lainnya menjadi pengelola. Keuntungan usaha secara mudarabah dibagi menurut kesepakatan yang dituangkan dalam kontrak, sedangkan apabila rugi ditanggung oleh pemilik modal selama kerugian itu bukan akibat kelalaian si pengelola. Seandainya kerugian itu diakibatkan karena kecurangan atau kelalaian si pengelola, si pengelola harus bertanggung jawab atas kerugian tersebut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.Dasar Hukum</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Secara umum landasan dasar syariah mudarabah lebih mencerminkan anjuran untuk melakukan usaha. Hal ini tampak dalam ayat dan hadis berikut ini. Allah berfirman dalam surat al-Muzammil yang artinya : <i>“… dan dari orang-orang yang berjalan dimuka bumi mencari sebagian karunia Allah SWT…”</i> (Al Muzammil : 20)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Adanya kata <i>yadribun</i> pada ayat diatas dianggap sama dengan akar kata mudarabah yang berarti melakukan suatu perjalanan usaha. Surah tersebut mendorong kaum muslim untuk melakukan upaya atau usaha yang telah diperintahkan Allah SWT. <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Hadis nabi Muhammad yang artinya : <i>“Diriwayatkan dari Ibnu Abbas bahwa Abbas bin Abdul Muthalib jika memberikan dana ke mitra usahanya secara mudarabah mensyaratkan agar dananya tidak dibawa mengarungi lautan, menuruni lembah yang berbahaya, atau membeli ternak. Jika menyalahi peraturan tersebut, maka yang bersangkutan bertanggung jawab atas dana tersebut. Disampaikan syarat syarat tersebut kepada rasulullah SAW. Dan rasulullah pun membolehkannya.”</i>(HR Tabrani).<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l11 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Jenis-jenis mudarabah</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Secara umum, mudarabah terbagi menjadi dua jenis yakni mudarabah mutlaqah dan mudarabah muqayyadah.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a. Mudarabah mutlaqah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudarabah mutlaqah adalah bentuk kerjasama antara pemilik modal (<i>sahibul mal</i>) dan pengelola (mudarib) yang cakupannya sangat luas dan tidak dibatasi oleh spesifikasi jenis usaha, waktu, dan daerah bisnis. Dalam pembahasan fikih ulama salafus saleh seringkali dicontohkan dengan ungkapan <i>if’al ma syi’ta</i> (lakukan sesukamu) dari sahibul mal ke mudarib yang memberi kekuasaan sangat besar.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 117.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -99.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudarabah Muqayyadah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudarabah muqayyadah adalah kebalikan dari mudarabah mutlaqah. Si Mudarib dibatasi dengan batasan jenis usaha, waktu, atau tempat usaha. Adanya pembatasan ini seringkali mencerminkan kecenderungan umum si <i>Sahibul Mal</i> dalam memasuki jenis dunia usaha.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Adapun dari sisi pembiayaan, mudarabah biasanya diterapkan untuk bidang-bidang berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pembiayaan modal kerja, seperti modal kerja perdagangan dan jasa<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Investasi khusus disebut juga mudarabah muqayyadah, yaitu sumbe investasi yang khusus dengan penyaluran yang khusus pula dengan syarat-syarat yang telah ditetapkan oleh sahibul mal.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudarabah dan kaitannya dengan dunia perbankan biasanya diterapkan pada produk-produk pembiayaan dan pendanaan. Sisa penghimpunan dana mudarabah biasanya diterapkan pada bidang-bidang berikut ini.<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Tabungan berjangka, yaitu dengan tabungan yang dimaksudkan untuk tujuan khusus, seperti tabungan haji, tabungan kurban, dan deposito berjangka.<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Deposito spesial (<i>special investment</i>), yaitu dana dititipkan kepada nasabah untuk bisnis tertentu, misalnya <i>murabahah</i> atau <i>ijarah</i> saja.<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudaroban yang berkaitan dengan dunia Pertanian ialah :<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Musaqah, Muzaraah, dan Mukhabarah</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Musaqah (paroan kebun)</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Yang dimaksud musaqah adalah bentuk kerja sama dimana orang yang mempunyai kebun memberikan kebunnya kepada orang lain (petani) agar dipelihara dan penghasilan yang didapat dari kebun itu dibagi berdua menurut perjanjian sewaktu akad<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Musaqah dibolehkan oleh agama karena banyak orang yang membutuhkannya. Ada orang yang mempunyai kebun, tapi dia tidak dapat memeliharanya. Sebaliknya, ada orang yang tidak mempunyai kebun, tapi terampil bekerja. Musaqah memberikan keuntungan bagi kedua belah pihak yakni pemilik kebun dan pengelola sehingga sama-sama memperoleh hasil dari kerja sama tersebut. Hadis menjelaskan sebagai berikut yang artinya : <i>“Dari Ibnu Umar: Sesungguhnya nabi Muhammad SAW telah memberikan kebun beliau kepada penduduk khaibar agar dipelihara oleh mereka dengan perjanjian, mereka akan diberi sebagian dari penghasilannya, baik dari buah-buahan atau hasil petani (palawija).”</i> (HR Muslim)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Muzaraah</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Muzaraah adalah kerjasama dalam pertanian berupa paroan sawah atau ladang seperdua atau sepertiga atau lebih atau kurang, sedangkan benih(bibit tanaman)nya dari pekerja (petani). Zakat hasil paroan ini diwajibkan atas orang yang punya benih. Oleh karena itu, pada muzaraah zakat wajib atas petani yang bekerja karena pada hakekatnya dialah (si petani) yang bertanam, yang mempunyai tanah seolah-olah mengambil sewa tanahnya, sedangkan pengantar dari sewaan tidak wajib mengeluarkan zakatnya.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mukhabarah</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mukhabarah kerjasama dalam pertanian berupa paroan sawah atau ladang seperdua atau sepertiga atau lebih atau kurang, sedangkan benihnya dari pemilik sawah/ladang. Adapun pada mukhabarah, zakat diwajibkan atas yang punya tanah karena pada hakekatnya dialah yang bertanam, sedangkan petani hanya mengambil upah bekerja. Penghasilan yang didapat dari upah tidak wajib dibayar zakatnya. Kalau benih dari keduanya, zakat wajib atas keduanya yang diambil dari jumlah pendapatan sebelum dibagi. Hukum kerja sama tersebut diatas diperbolehkan sebagian besar para sahabat, tabi’in dan para imam<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">E.</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Perbankan yang Sesuai dengan Prinsip Hukum Islam</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Lahirnya ekonomi Islam di zaman modern ini cukup unik dalam sejarah perkembangan ekonomi. Ekonomi Islam berbeda dengan ekonomi-ekonomi yang lain karena lahir atau berasal dari ajaran Islam yang mengharamkan riba dan menganjurkan sedekah. Kesadaran tentang larangan riba telah menimbulkan gagasan pembentukan suatu bank Islam pada dasawarsa kedua abad ke-20 diantaranya melalui pendirian institusi sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bank Pedesaan (Rural Bank) dan Bank Mir-Ghammar di Mesir tahun 1963 atas prakarsa seorang cendikiawan Mesir DR. Ahmad An Najjar<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dubai Islamic Bank (1973) di kawasan negara-negara Emirat Arab<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Islamic Development Bank (1975) di Saudi Arabia<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">4.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Faisal Islamic Bank (1977) di Mesir<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">5.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Kuwait House of Finance di Kuwait (1977)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 54.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">6.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Jordan Islamic Bank di Yordania (1978)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bank non Islam yang disebut juga bank konvensional adalah sebuah lembaga keuangan yang fungsi utamanya menghimpun dana untuk disalurkan kepada yang memerlukan dana, baik perorangan atau badan usaha guna investasi dalam usaha-usaha yang produktif dan lain-lain dengan sistem bunga.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Sedangkan Bank Islam yang dikenal dengan Bank Syariah adalah sebuah lembaga keuangan yang menjalankan operasinya menurut hukum (syariat) Islam dan tidak memakai sistem bunga karena bunga dianggap riba yang diharamkan oleh Islam. (QS Al Baqarah : 275-279)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Sebagai pengganti sistem bunga, Bank Islam menggunakan berbagai cara yang bersih dari unsur riba, antara lain sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 24.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Wadiah atau titipan uang, barang, dan surat berharga atau deposito. Wadiah ini bisa diterapkan oleh Bank Islam dalam operasinya untuk menghimpun dana dari masyarakat, dengan cara menerima deposito berupa uang, barang, dan surat-surat berharga sebagai amanat yang wajib dijaga keselamatannya oleh Bank Islam. Bank berhak menggunakan dana yang didepositokan itu tanpa harus membayar imbalannya, tetapi Bank harus menjamin dapat mengembalikan dana itupada waktu pemiliknya (depositor) memerlukannya.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 24.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mudarabah adalah kerjasama antara pemilik modal dengan pelaksana atas dasar perjanjian <i>profit and loss sharing</i>. Dengan mudarabah ini, Bank Islam dapat memberikan tambahan modal kepada pengusaha untuk perusahaannya dengan perjanjian bagi hasil dan rugi yang perbandingannya sesuai dengan perjanjian misalnya, <i>fifty-fifty. </i>Dalam mudarabah ini, Bank tidak mencampuri manajemen perusahaan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 24.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syirkah (perseroan). Dibawah kerjasama syirkah ini, pihak Bank dan pihak pengusaha sama-sama mempunyai andil (saham) pada usaha patungan (<i>joint ventura</i>). Oleh karena itu, kedua belah pihak berpartisipasi mengelola usaha patungan ini dengan menanggung untung rugi bersama atas dasar perjanjian <i>profit and loss sharing</i> (<i>PLS Agreement</i>).<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 24.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">4.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Murabahah adalah jual beli barang dengan tambahan harga atau <i>cost plus </i>atas dasar harga pembelian yang pertama secara jujur. Dengan murabahah ini, pada hakikatnya suatu pihak ingin mengubah bentuk bisnisnya dari kegiatan pinjam meminjam menjadi transaksi jual beli. Dengan sistem murabahah ini, Bank bisa membelikan atau menyediakan barang barang yang diperlukan oleh pengusaha untuk dijual lagi, dan Bank minta tambahan harga atas harga pembeliannya. Syarat bisnis dengan murabahah ini, ialah si pemilik barang (dalam hal ini Bank) harus memberi informasi yang sebenarnya kepada pembeli tentang harga pembeliannya dan keuntungan bersih (<i>profit margin</i>) dari pada <i>cost plus </i>nya itu.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 24.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">5.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Qard hasan (pinjaman yang baik atau <i>benevolent loan</i>). Bank Islam dapat memberikan pinjaman tanpa bunga (<i>benevolent loan</i>) kepada para nasabah yang baik, terutama nasabah yang mempunyai deposito di Bank Islam itu sebagai slah satu pelayanan dan penghargaan Bank kepada para deposan karena mereka tidak menerima bunga atas depositonya dari Bank Islam.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Perkembangan pesat Bank-Bank Islam yang lazim disebut Bank syariah terjadi pada dasawarsa 70-an setelah terjadinya krisis minyak yang menimbulkan <i>oil boom</i> pada tahun 1971. perkembangan pesat Bank syariah tersebut membuktikan bahwa: (1) ajaran Islam menggerakkan ide sosial ekonomi. Ide spirit yang bersumber pada ajaran Islam disebut juga modal masyarakat (<i>Social Capital</i>). (2) Peranan cendikiawan yang memiliki suatu konsep yang mengoperasionalkan ajaran agama yaitu zakat, infak, sedekah (ZIS), dan larangan riba. ZIS dapat dijadikan modal Bank, hal ini juga pernah dipelopori oleh pemikiran dari KH. Ahmad Dahlan. Beliau memiliki gagasan membentuk lembaga amil (penghimpun dan pengelola zakat).<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bank syariah pertama yang beroperasi di Indonesia adalah PT. Bank Muamalat Indonesia (BMI) berdiri pada tanggal 1 mei 1992. Perkembangan perbankan syariah pada awalnya berjalan lebih lambat dibanding dengan Bank konvensional. Sampai dengan tahun 1998 hanya terdapat 1 Bank Umum Syariah dan 78 BPRS (Bank Perkreditan Rakyat Syariah). Berdasarkan statistik perbankan syariah mei 2003 dari Bank Indonesia tercatat, Bank Umum Syariah 2 yaitu BMI dan Bank Syariah Mandiri, 8 Bank umum yang membuka unit atau kantor cabang syariah yaitu Danamon Syariah, Jabar Syariah, Bukopin Syariah, BII Syariah dll, serta 89 Bank Perkreditan Rakyat Syariah (BPRS). Beberapa bank konvensional dalam negeri, maupun asing yang beroperasi di Indonesia juga telah mengajukan izin dan menyiapkan diri untuk segera beroperasi menjadi Bank Syariah.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Kehadiran Bank Syariah memiliki hikmah yang cukup besar, diantaranya sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 60.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Umat Islam yang berpendirian bahwa bunga Bank konvensional adalah riba, maka Bank Syariah menjadi alternatif untuk menyimpan uangnya, baik dengan cara deposito, bagi hasil maupun yang lainnya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 60.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Untuk menyelamatkan umat Islam dari praktik bunga yang mengandung unsur pemerasan (eksploitasi) dari si kaya terhadap si miskin atau orang yang kuat ekonominya terhadap yang lemah ekonominya.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 60.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Untuk menyelamatkan ketergantungan umat Islam terhadap Bank non Islam yang menyebabkan umat Islam berada dibawah kekuasaan Bank sehingga umat Islam belum bisa menerapkan ajaran agamanya dalam kehidupan pribadi dan masyarakat, terutama dalam kegiatan bsinis dan perekonomiannya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 60.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">4.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bank Islam dapat mengelola zakat di negara yang pemerintahannya belum mengelola zakat secara langsung. Bank juga dapat menggunakan sebagian zakat yang terkumpul untuk proyek-proyek yang produktif dan hasilnya untuk kepentingan agama dan umum.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 60.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">5.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bank Islam juga boleh memungut dan menerima pembayaran untuk hal-hal berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 78.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mengganti biaya-biaya yang langsung dikeluarkan oleh Bank dalam melaksanakan pekerjaan untuk kepentingan nasabah, misalnya biaya telegram, telepon, atau telex dalam memindahkan atau memberitahukan rekening nasabah, dan sebagainya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 78.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Membayar gaji para karyawan Bank yang melakukan pekerjaan untuk kepentingan nasabah dan sebagai sarana dan prasarana yang disediakan oleh Bank dan biaya administrasi pada umumnya.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 24.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">F.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Sistem Asuransi yang Sesuai dengan Prinsip Hukum Islam</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mengikuti sukses perbankan Syariah, asuransi Syariah juga mengalami pertumbuhan yang cukup pesat. Sampai dengan tahun 2002, tercatat sejumlah asransi konvensional yang membuka divisi Syariah yang terbukti mampu bersaing dengan asuransi lainnya.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Asuransi pada umumnya, termasuk asuransi jiwa, menurut pandangan Islam adalah termasuk masalah ijtihadiyah. Artinya, masalah tersebut perlu dikaji hukumnya karena tidak ada penjelasan yang mendalam didalam Al Qur’an atau hadis secara tersurat. Para imam mazhab seperti Imam Hanafi, Imam Malik, Imam Syafi’i, Imam Ahmad dan ulama mujtahidin lainnya yang semasa dengan mereka (abad II dan III H atau VIII dan IX M) tidak memberi fatwa hukum terhadap masalah asuransi karena hal tersebut belum dikenal pada waktu itu. Sistem asuransi di dunia Islam baru dikenal pada abad XIX M, sedangkan di dunia barat sudah dikenal sejak sekitar abad XIV M,.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Kini umat Islam di Indonesia dihadapkan kepada masalah asuransi dalam berbagai bentuknya (asuransi jiwa, asuransi kecelakaan, dan asuransi kesehatan) dan dalam berbagai aspek kehidupannya, baik dalam kehidupan bisnis maupun kehidupan keagamaannya.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dikalangan ulama dan cendikiawan muslim ada empat pendapat tentang hukum asuransi, yakni sebagai berikut.<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l8 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mengharamkan asuransi dalam segala macam dan bentuknya sekarang ini, termasuk asuransi jiwa<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l8 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">membolehkan semua asuransi dalam praktiknya sekarang ini.<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l8 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Membolehkan aasuransi yang bersifat sosial dan mengharamkan asuransi yang semata-mata bersifat komersial<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l8 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">menganggap syubhat<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ketika mengkaji hukum Islam tentang asuransi, sudah tentu harus dilakukan dengan menggunakan metode ijtihad yang lazim digunakan oleh mejtahidin dahulu. Diantara metode ijtihad yang mempunyai banyak peranan di dalam mengistinbatkan (mencari dan menetapkan hukum) terhadap masalah-masalah baru yang tidak ada nasnya dalam Al Qur’an dan hadis adalah maslahah mursalah atau istislah (<i>public good</i>) dan qyas (<i>analogical reasoning</i>).<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dalam buku <i>Hukum Asuransi di Indonesia</i> ditulis oleh Vide Wirjono Prodjodikoro, menjelaskan, menurut pasal 246 <i>Wet Boek Van Koophandel </i>(Kitab Undang-undang perniagaan), bahwa asuransi pada umunya adalah suatu bentuk persetujuan dimana pihak yang menjamin berjanji kepada pihak yang dijamin untuk menerima sejumlah uang premi sebagai pengganti kerugian yang mungkin akan diderita oleh yang dijamin karena akibat dari suatu peristiwa yang belum jelas akan terjadi.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Adapun asuransi Syariah adalah usaha saling melindungi dan tolong menolong diantara sejumlah orang atau pihak melaui investasi dalam bentuk aset atau tabarru’ yang memberikan pola pengembalian untuk menghadapi resiko tertentu melalu akad (perikatan) yang sesuai Syariah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ada beberapa sumber yang dijadikan rujukan bagi berlangsungnya sistem asuransi tersebut, diantaranya adalah hadis Nabi Muhammad SAW “<i>Seorang mukmin dengan mukmin lainnya dalam suatu masyarakat ibarat satu bangunan, dimana tiap bangunan saling mengokohkan satu sama lain.”</i> (HR Bukhari danMmuslim)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Secara operasional, asuransi yang sesuai dengan Syariah memiliki sistem yang mengandung hal-hal sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mempunyai akad takafuli (tolong menolong) untuk memberikan santunan atau perlindungan atas musibah yang akan datang<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dana yang terkumpul menjadi amanah pengelola dana. Dana tersebut diinvestasikan sesuai dengan instrumen Syariah seperti mudarabah, wakalah, wadi’ah dan murabahah.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Premi memiliki unsur tabaru’ atau mortalita (harapan hidup)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">4.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pembebanan biaya operasional ditanggung pemegang polis, terbatas pada kisaran 30 % dari premi sehingga pembentukan pada nilai tunai cepat terbentuk pada tahun pertama yang memiliki nilai 70 % dari premi.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">5.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">dari rekening tabaru’ (dana kebajikan seluruh peserta) sejak awal sudah dikhlaskan oleh peserta untuk keperluan tolong menolong bila terjadi musibah.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">6.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mekanisme pertanggungan pada asuransi Syariah adalah <i>sharing of risk. </i>Apabila terjadi musibah semua peserta ikut (saling) menanggung dan membantu<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">7.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Keuntungan (profit) dibagi antara perusahaan dengan peserta sesuai prinsip bagi hasil (mudarabah),atau dalam akad tabarru’ dapat berbentuk hadiah kepada peserta dan ujrah (<i>fee</i>) kepada pengelola.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">8.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mempunyai misi akidah, sosial serta mengangkat perekonomian umat Islam atau misi <i>iqtisadi</i><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 117.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -117.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">G.</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Sistem Lembaga Keuangan non Bank yang sesuai dengan Prinsip Hukum Islam</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Sistem lembaga keuangan non Bank yang sesuai dengan prinsip-prinsip hukum Islam antara lain adalah sebagai berikut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Koperasi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pengertian koperasi dari segi etimologi berasal dari bahasa inggris <i>coorporation</i>, yang artinya bekerja sama. Pengertian koperasi dari segi etimologi ialah suatu perkumpulan atau organisasi yang beranggotakn orang-orang atau badan hukum yang bekerja sama denagn penuh kesadaran untuk meningkatkan kesejahteraan anggota atas dasar suka rela secara kekeluargaan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Koperasi mempunyai dua fungsi, yakni :<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l10 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">fungsi ekonomi dalam bentuk kegiatan-kegiatan usaha ekonomi yang dilakukan koperasi untuk meringankan beban hidup sehari-hari para anggotanya dan<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l10 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">fungsi soisal dalam bentuk kegiatan-kegiatan sosial yang dilakukan secara gotong royong atau dalam bentuk sumbangan berupa uang yang berasal dari bagian laba koperasi disishkan untuk tujuan-tujuan sosial, misalnya untuk mendirikan sekolah atau tempat ibadah<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Koperasi dari segi bidang usahanya ada yang hanya menjalankan satu bidang usaha saja, misalnya bidang konsumsi, bidang kredit atau bidang produksi. Ini disebut koperasi berusaha tunggal (<i>single purpose</i>). Dan ada pula koperasi yang meluaskan usahanya dalam berbagai bidang yang disebut koperasi serba usaha (<i>multi purpose</i>) seperti bidang pembelian dan penjualan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Modal usaha koperasi diperoleh dari uang simpanan pokok, uang simpanan wajid, uang simpanan sukarela yang merupakan deposito, uang pinjaman, penyisihan-penyisihan hasil usaha termasuk cadangan dan sumber lain yang sah.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Menurut mahmud syaltut, koperasi sebagaimana diuarikan diatas adalah bentuk syirkah baru yang diciptakan oleh para ahli ekonomi dan banyak sekali memilki manfaat, anatara lain memberi keuntungan kepada para anggota pemilik saham, memberi lapangan kerja kepada para karyawannya, memberi bantuan keuangan dari sebagian hasil usaha koperasi untuk mendirikan tempat ibadah, sekolah dan sebagainya. Koperasi tidak mempunyai unsur kezaliman dan pemerasan oleh manusia yang kuat atau kaya atas manusia yang lemah atau miskin, pengelolaannya demokratis dan terbuka (<i>open management</i>) serta membagi keuntungan dan kerugian kepada para anggota menurut ketentuan yang berlaku yang telah diketahui oleh seluruh anggota pemegang saham. Oelh karena itu, koperasi dapat diterima oleh kalangan Islam.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">BMT (Baitul Mal wat Tamwil)<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Merupakan lembaga keuangan mikro yang sanagt sukses. BMT di Indonesia tumbuh dari bawah (masyarakat berekonomi lemah) yang didukung oleh deposan-deposan kecil. BMT telah menjalankan fungsinya sebagai lembaga intermediasi yang mengelola dana dari, untuk dan oleh masyarakat yang merupakan perwujudan demokrasi ekonomi. BMT-BMT sebagian besar berbadan hukum koperasi yang merupakan badan usaha berdasarkan azas kekeluargaan yang sesuai dengan Islam. Sampai tahun 2003, jumlah BMT sudah mendekati angka 4000 unit dimana proses operasionalnya tidak jauh beda dengan operasional BPRS atau Bank Syariah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">H. Perilaku yang Mencerminkan Kepatuhan Terhadap Hukum Islam tetang Kerjasama </span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 18.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ekonomi</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ekonomi Islam di Indonesia hingga saat ini mengalami perkembangan yang signifikan. Hal ini ditandai dengan maraknya kajian-kajian ekonomi Syariah, banyaknya lembaga keuangan yang berorientasi Syariah serta semakin tingginya kesadaran masyarakat Indonesia dalam menerapkan kerjasama ekonomi berdasarkan Syariah. Ada beberapa aspek perilaku yang harus mencerminkan kepatuhan terhadap hukum Islam di segala aspek kehidupan, khusunya tentang kerja sama ekonomi Islam yaitu sebagai berikut.<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Tanggung Jawab<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dalam melaksanakan akad tanggung jawab yang berkaitan dengan kepercayaan yang diberikan kepada pihak yang dianggap memenuhi syarat untung memegang kepercayaan secara penuh dengan pihak yang masih perlu memenuhi kewajiban sebagai penjamin (<i>damin</i>) harus dipertimbangkan<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l6 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Tolong Menolong<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Saling menolong sesama peserta (nasabah) dengan hanya berhadapan keridaan Allah. Dan tolong menolong untuk memberikan santunan perlindungan atas musibah yang akan datang<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l7 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Saling melindungi<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Perekonomian Islam yang berdasarkan Syariah merupakan usaha saling melindungi dan tolong menolong diantara sejumlah orang atau pihak melalui investasi.<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo10; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Adil<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dalam melakukan transaksi/ perniagaan, Islam mengharuskan untuk berbuat adil tanpa memandang bulu, termasuk kepada pihak yang tidak disukai.<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo11; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Amanah/jujur<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Dalam menjalankan kerja sama ekonomi Syariah mengharuskan dipenuhinya semua ikatan yang telah disepakati. Perubahan ikatan akibat perubahan kondisi harus dilaksanakan secara rida sama rida dan disepakati oleh semua pihak yang terkait<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 36.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Perilaku lain adalah mempunyai manajemen islami, menghormati hak azazi manusia, menjaga lingkungan hidup, melaksanakan <i>good corporate governance</i>, tidak spekulatif dan memegang teguh prinsip kehati-hatian.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">LATIHAN</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">A.</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Berilah tanda silang (x) pada huruf a, b, c, d atau e sesuai dengan jawaban yang paling tepat!</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pengertian riba menurut bahasa adalah …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">menahan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">menyucikan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">bertambah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">berdoa<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">menyebut<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Menukar suatu barang dengan barang lain yang sejenis dan sama mutunya, tetapi tidak sama dalam beratnya disebut riba …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">qardi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">nas’i<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">yadi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">renten<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">fadli<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">3.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Pinjam meminjam barang dengan syarat harus memberi kelebihan pada saat mengembalikan disebut riba…<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">nas’i<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">qardi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">yadi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">fadli<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">renten<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -24.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">4.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Allah SWT menghalalkan jual beli dan … riba<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Membolehkan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Menganjurkan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Memakruhkan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mengharamkan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">menghapuskan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 30.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">5.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Allah SWT memusnahkan riba dan menyuburkan sedekah. Hal ini dijelaskan dalam Al Qur’an surat …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Al baqarah : 276<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Al baqarah : 277<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">An nahl : 1<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Al maidah : 3<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ali imran : 5<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">6.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Orang yang telah terbiasa memakan harta riba beranggapan bahwa riba ..<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">membantu orang yang sangat membutuhkan <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">mendatangkan untung yang berlipat ganda<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">termasuk sistem perekonomian modern<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">dapat meringankan beban orang lain pada saat itu<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">sama dengan jual beli<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Andi meminjam uang sebesar Rp 100.000 pada hari senin. Disepakati dalam satu hari, Andi harus mengembalikan dengan tambahan 2 %. Tambahan ini disebut riba …<o:p></o:p></span></li> </ol> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">nas’i<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">qardi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">renten<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">yadi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">fadli<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">8.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Kandungan surat Ali Imran : 130 adalah …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">menghalalkan jual beli<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">haram memakan harta anak yatim<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">larangan mencuri<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">larangan memakan riba yang berlipat ganda<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">perintah menyantuni fakir miskin<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">9.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Rasulullah melaknat orang-orang yang tersebut dibawah ini, kecuali …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">memakan riba<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">yang mewakilinya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">yang menolak riba<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">yang menjadi penulisnya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">kedua saksinya<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">10.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba merupakan harta yang tidak berkah. Hal itu dijelaskan Al Qur’an surat …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ali imran : 110<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Al Baqarah : 183<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Al Baqarah : 255<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Ar Rum : 39<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Al Isra : 26<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">11.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Akibat dari praktek riba akan menimbulkan …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">semangat gotong royong<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">gairah beramal saleh<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">kesejahteraan masyarakat<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">kerja sama yang baik antara yang berhutang dan yang bernodal<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">kesenjangan sosial antara si kaya dan si miskin<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">12.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Riba diharamkan karena mendatangkan ….<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">kemashlahatan <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">bencana<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">ukhuwah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">qanaah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">silaturahmi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">13.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Undang-undang no. 7 tahun 1992 berisi tentang …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">riba<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">musyawarah<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">perbankan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">perkawinan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">hukum<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">14.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Bank Muamalat Indonesia (BMI) didirikan pada …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">1 November 1991<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">10 November 1991<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">28 Oktober 1990<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2 Desember 1990<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 12.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">2 Mei 1989<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">15.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Fungsi Bank adalah sebagai berikut, kecuali …<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">a.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pusat penyediaan dan peredaran uang<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">b.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pusat pengawasan peredaran uang dan pengendalian inflasi<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">c.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">tempat menyimpan, menabung dan mengirim uang<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">d.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">tempat peminjaman uang untuk kebutuhan sehari-hari<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal; margin-left: 36.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 18.0pt;"> <span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">e.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 7.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">lembaga yang memberikan kredit kepada kreditur<o:p></o:p></span></div> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Syirkah adalah kerjasama antara dua orang atau lebih dibidang… <o:p></o:p></span></li> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">keamanan lingkungan<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">kebudayaan<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pelayanan pendidikan<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">politik praktis<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">usaha produktif<o:p></o:p></span></li> </ol> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Tuntutan syirkah dalam Islam menunjukkan satu bukti bahwa manusia adalah makhluk… <o:p></o:p></span></li> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">sosial <o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">lemah<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Tuhan<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Religius<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Individu<o:p></o:p></span></li> </ol> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Musaqqah adalah kegiatan ekonomi yang melibatkan dua orang atau lebih dalam urusan… <o:p></o:p></span></li> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">perdagangan barang-barang konsumtif <o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">penggarapan lahan tidur<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pengerjaan bangunan<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">perawatan kebun<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pelayanan jasa angkutan<o:p></o:p></span></li> </ol> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Mukhbarah adalah pelayanan ekonomi di bidang… <o:p></o:p></span></li> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">perindustrian<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pelayanan jasa<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">perbengkelan<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pertanian<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">pertukangan<o:p></o:p></span></li> </ol> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">Berikut ini pernyataan benar berkaitan dengan muzara’ah adalah… <o:p></o:p></span></li> <ol start="1" type="1"> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">zakat ditanggung pemilik dan penggarap<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">zakat ditanggung pemilik tanah <o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">bibit ditanggung penggarap dan pemilik<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">bibit dari pemilik tanah<o:p></o:p></span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l9 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 72.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";">bibit dari penggarap<o:p></o:p></span></li> </ol> </ol> <div class="MsoNormal"> <o:p> :<span class="Apple-style-span" style="font-size: xx-small;"><i> wikipedia.org - PAI : P. Atep</i></span></o:p></div>

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