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% Document Info
\author{Ainaa}
\pdfinfo{
  /Title (konsep-pinjaman-menurut-perspektif-islam.pdf)
  /Creator (Cheatography)
  /Author (Ainaa)
  /Subject (KONSEP PINJAMAN MENURUT PERSPEKTIF ISLAM Cheat Sheet)
}

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\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
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    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{KONSEP PINJAMAN MENURUT PERSPEKTIF ISLAM Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Ainaa} via \textcolor{DarkBackground}{\uline{cheatography.com/123404/cs/23198/}}}
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\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}Ainaa \\
  \uline{cheatography.com/ainaa} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 17th June, 2020.\\
   Updated 13th June, 2020.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
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  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
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\end{multicols}}




\begin{document}
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\begin{multicols*}{4}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{PANDANGAN ISLAM TERHADAP HUTANG}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{{\bf{1}}.Islam tidak menggalakkan umatnya terlibat dalam hutang terutama dalam tujuan yg melebihi keperluan asas hidup} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{2}}.Agama Islam menggalakkan umatnya menjalani kehidupan secara wasatiyyah dan mengamalkan sikap qana'ah} \tn 
% Row Count 6 (+ 3)
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\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{x{1.7165 cm} x{1.7165 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{3.833cm}}{\bf\textcolor{white}{{\bf{KONSEP PINJAMAN DALAM ISLAM}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{1}}.Pinjaman dibahagikan kepada {\bf{dua}} kategori iaitu {\bf{al-ariyah}} dan {\bf{al-qard}} & {\bf{3}}. {\bf{AL-QARD}} - {\emph{pinjaman yg melibatkan pemindahan barangan/komoditi yg boleh dianggarkan dan diganti mengikut {\bf{bilangan,sukatan/ timbangan}}.}} \tn 
% Row Count 8 (+ 8)
% Row 1
\SetRowColor{white}
{\bf{2}}. {\bf{AL-ARIYAH}} - {\emph{pinjaman yg melibatkan pemberian sesuatu barangan atau harta oleh pemberi pinjaman kepada peminjam}} & {\emph{3.1}}. Peminjam hendaklah memulangkan kembali brg yg dipinjam dalam bentuk gantian bukan dalam bentuk asal \tn 
% Row Count 15 (+ 7)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{3.833cm}}{{\emph{ 2.1}}. Peminjam tak bertanggungjawab terhadap sebarang kerosakan atau susut nilai bgi barang tersebut kecuali kecuaian datang dari peminjam} \tn 
% Row Count 18 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{3.833cm}}{{\emph{ 2.2}}. Barang yg dipinjam dipulangkan kepada tuannya bukan pulangkan dengan barang gantian} \tn 
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\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{DEFINISI AL-QARD}}}}  \tn
% Row 0
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\mymulticolumn{1}{x{3.833cm}}{{\bf{1.}} {\bf{Bahasa}} - al-qat'u (potong)} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{2.}} {\bf{Qard}} - harta yg diberikan kpd orang yg berhutang kerana pemiutang memotong sebahagian hartanya untuk diberikan kpd penghutang} \tn 
% Row Count 4 (+ 3)
% Row 2
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\mymulticolumn{1}{x{3.833cm}}{{\bf{3.}} {\bf{Istilah}} - penyerahan sesuatu dengan syarat barang tersebut akan digantikan kembali kepada pemilik asal tanpa ada sebarang penambahan} \tn 
% Row Count 7 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{4.}} Al-Qard dikategorikan sebagai akad {\emph{tabarru'}} (kontrak yg berteraskan kepada konsep kebajikan)} \tn 
% Row Count 10 (+ 3)
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\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
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\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{LARANGAN RIBA'}}}}  \tn
% Row 0
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\mymulticolumn{1}{x{3.833cm}}{{\bf{1.}} Larangan terhadap riba telah dijelaskan berdasarkan firman Allah SWT dalam {\bf{surah al-baqarah ayat 275}}} \tn 
% Row Count 3 (+ 3)
% Row 1
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\mymulticolumn{1}{x{3.833cm}}{{\bf{2.}} Hadith Rasulullah SAW yg menyebut bahawa setiap hutang yang mempunyai manfaat adalah riba} \tn 
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\mymulticolumn{1}{x{3.833cm}}{{\emph{2.1}}  قال رسول االه صلى الله عليه وسلم -كل قرض جر منفعة, فهو ربا  {\emph{(Rasulullah SAW telah bersabda bahawa setiap pinjaman(hutang) yang ada manfaat,ianya adalah riba)}}} \tn 
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\begin{tabularx}{3.833cm}{X}
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\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{PRINSIP AL-QARD AL-HASAN}}}}  \tn
% Row 0
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\mymulticolumn{1}{x{3.833cm}}{{\bf{1.}} {\bf{AL-QARD AL-HASAN}} - transaksi pemberian hutang atau pinjaman wang yang bebas daripada unsur riba dan mengutamakan kebajikan dan keadilan sosial.} \tn 
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\mymulticolumn{1}{x{3.833cm}}{{\bf{2.}} Islam hanya{\bf{ membenarkan}} prinsip al-qard al-hasan} \tn 
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% Row 2
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\mymulticolumn{1}{x{3.833cm}}{{\bf{3.}} Al-qard al-hasan secara umumnya bermaksud {\bf{pinjaman yang baik}}} \tn 
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% Row 3
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\mymulticolumn{1}{x{3.833cm}}{{\bf{4.}} Peminjam hanya perlu membayar jumlah wang yang dipinjam sahaja {\bf{tanpa dikenakan faedah.}}} \tn 
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\begin{tabularx}{3.833cm}{X}
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\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{RUKUN AL-QARD}}}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{1.}} {\bf{PEMIUTANG}} \newline % Row Count 1 (+ 1)
{\bf{(a)}} {\emph{tabarru'}}, {\emph{ahli al-mu'ammalah}}, tak gila/ kanak kanak,/{\emph{mahjur 'alaih}}  \newline % Row Count 3 (+ 2)
 {\bf{(b)}}  redha \newline % Row Count 4 (+ 1)
{\bf{2.}} {\bf{PENGHUTANG/PEMINJAM}} \newline % Row Count 5 (+ 1)
{\bf{(a)}} bukan gila/ kanak kanak,/{\emph{mahjur 'alaih}}  (perlu ada wali jika kanak kanak)  \newline % Row Count 7 (+ 2)
{\bf{(b)}} redha \newline % Row Count 8 (+ 1)
{\bf{(c)}} mampu bayar balik \newline % Row Count 9 (+ 1)
{\bf{3.}} {\bf{BARANG YANG DI PINJAM}} \newline % Row Count 10 (+ 1)
{\bf{(a)}} {\bf{mazhab hanafi}} - sah hutang barang barang mithliy \newline % Row Count 12 (+ 2)
{\bf{(b)}} {\bf{mazhab maliki.syafi'i,hambali}} - harus jika boleh disukat \newline % Row Count 14 (+ 2)
{\bf{4.}} {\bf{SIGHAH}} \newline % Row Count 15 (+ 1)
{\bf{(a)}} ada ijab dan qabul% Row Count 16 (+ 1)
} \tn 
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\begin{tabularx}{3.833cm}{X}
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\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{HUKUM AL-QARD AL-HASAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{{\bf{1.}} Hukum pelaksanaannya adalah {\bf{sunat}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{2.}} {\bf{Tidak harus}} memberikan pinjaman jika diketahui wang tersebut digunakan bagi {\bf{tujuan haram}} atau {\bf{maksiat}}} \tn 
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\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{PRINSIP UMUM KETIKA BERHUTANG}}}}  \tn
% Row 0
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\mymulticolumn{1}{x{3.833cm}}{{\bf{1.}} Setiap hutang dibuat ditulis} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{2.}} Tidak boleh dikenakan bayaran tambahan} \tn 
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% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{{\bf{3.}} Kepentingan selesaikan hutang disyaratkan} \tn 
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% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{5.}} Dipulangkan dalam tempoh yg dijanjikan} \tn 
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\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{OBJEKTIF PELAKSANAAN AL QARD AL-HASAN}}}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\bf{1.}} Bantu golongan memerlukan \newline % Row Count 1 (+ 1)
{\bf{2.}} Merapat jurang beza antara miskin dan kaya \newline % Row Count 2 (+ 1)
{\bf{3.}} Pupuk semangat persaudaraan \newline % Row Count 3 (+ 1)
{\bf{4.}} Kukuhkan sektor sosio ekonomi negara \newline % Row Count 4 (+ 1)
{\bf{5.}} Sediakan ruang\&peluang kepada golongan pendapatan rendah \newline % Row Count 6 (+ 2)
{\bf{6.}} Hapuskan diskriminasi \newline % Row Count 7 (+ 1)
{\bf{7.}} Sebagai satu wasilah rakyat \newline % Row Count 8 (+ 1)
{\bf{8.}} Dapat keberkatan% Row Count 9 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{{\bf{KESIMPULAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{Prinsip al qard al hasan digunakan  dalam pinjaman agar tidak mebebankan manusia.} \tn 
% Row Count 2 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}