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% Document Info
\author{humairahusnaayob}
\pdfinfo{
  /Title (beneficial-ownership-dalam-pembiayaan-rumah.pdf)
  /Creator (Cheatography)
  /Author (humairahusnaayob)
  /Subject (Beneficial Ownership dalam Pembiayaan Rumah Cheat Sheet)
}

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\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
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    {\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{Beneficial Ownership dalam Pembiayaan Rumah Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{humairahusnaayob} via \textcolor{DarkBackground}{\uline{cheatography.com/123288/cs/23197/}}}
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\noindent
\begin{multicols}{3}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}humairahusnaayob \\
  \uline{cheatography.com/humairahusnaayob} \\
  \end{tabulary}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 26th June, 2020.\\
   Updated 27th 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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  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
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\begin{document}
\raggedright
\raggedcolumns

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% www.emerson.emory.edu/services/latex/latex_169.html
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{x{1.29402 cm} x{3.68298 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Definisi Pemilikan}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{{\bf{Dari segi bahasa}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Bahasa Arab: & {\emph{milk}} (ملك) atau {\emph{milkiyyah}} (ملكية) \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\seqsplit{Epistemologi:} & ({\emph{mim}}, {\emph{lam}}, {\emph{kaf}}) kekuatan dan kesihatan pada sesuatu \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
Lisan al-Arab: & ({\emph{malk}}, {\emph{mulk}}, {\emph{milk}}) keadaan menguasai sesuatu dan keupayaan bertindak melupuskan sesuatu yang dimiliki. \tn 
% Row Count 9 (+ 4)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{{\bf{Rumusan istilah fuqaha empat mazhab}}} \tn 
% Row Count 10 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{1) Hubungan ekslusif dan sah di sisi perundangan} \tn 
% Row Count 11 (+ 1)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{2) Terbina antara manusia dan harta yang dimiliki} \tn 
% Row Count 12 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{3) Matlamat, keupayaan seseorang (pemilik) mengeksploitasi dan mengambil faedah daripada harta yang dimiliki} \tn 
% Row Count 15 (+ 3)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{4) Orang lain (selain pemilik) terhalang untuk mendapat hak yang sama} \tn 
% Row Count 17 (+ 2)
% Row 9
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{5) Boleh dilakukan melalui pemilik atau wakil yang dipilih} \tn 
% Row Count 19 (+ 2)
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\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Pembahagian Pemilikan}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/humairahusnaayob_1593248469_Untitled 4.png}}} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1) Seseorang memiliki fizikal harta, seseorang lagi memiliki manfaat harta \newline Contoh: Fizikal rumah milik waris pewasiat manakala manfaat rumah milik penerima wasiat. \newline 2) Seseorang memiliki manfaat harta, seseorang lagi memiliki fizikal harta \newline Contoh: Penyewa memiliki manfaat barang yang disewa sementara pemilik asal kekal memiliki fizikal \newline 3) Seseorang yang diberi keizinan untuk menggunakan harta tanpa memilikinya \newline Contoh: Pengguna jalan raya mendapat kebenaran menggunakannya sahaja}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.74195 cm} x{3.23505 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Menurut Undang-undang Inggeris}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Prinsip ekuiti-\textgreater{} konsep amanah-\textgreater{} pemilikan bermanfaat} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Pemilik bermanfaat: & diiktiraf dalam ekuiti, pemilik sesuatu manfaat harta, tiada hakmilik undang-undang ({\emph{legal title}}) \tn 
% Row Count 6 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Pemilik \seqsplit{undang-undang:} & diiktiraf di sisi undang-undang, pemilik sesuatu, memegang hakmilik undang-undang ({\emph{legal title}}), bagi manfaat orang lain \tn 
% Row Count 11 (+ 5)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{{\bf{Penerimaan Prinsip Ekuiti dalam Undang-Undang Tanah di Malaysia}}} \tn 
% Row Count 13 (+ 2)
% Row 4
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\mymulticolumn{2}{x{5.377cm}}{Sistem Torrens menjadi teras (pendaftaran adalah segalanya)-\textgreater{} Kanun Tanah Negara 1965 menerima aplikasi ekuiti-\textgreater{} iktiraf kontrak tanah tidak berdaftar-\textgreater{} apabila perlu dan sesuai dengan situasi tempatan} \tn 
% Row Count 18 (+ 5)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{0.89586 cm} x{4.08114 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Menurut Kewangan Islam}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Konsep pemilikan bermanfaat telah diguna pakai hampir dalam setiap produk} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Dalam industri perbankan, {\emph{Bay' Bithaman Ajil}} (BBA), {\emph{Al-IjarahThumma Al-Bay'}} (AITAB), {\emph{Musharakah Mutanaqisah}} (MM) dan lain-lain juga mengguna pakai konsep ini} \tn 
% Row Count 6 (+ 4)
% Row 2
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\mymulticolumn{2}{x{5.377cm}}{{\bf{Kedudukan Menurut Syariah}}} \tn 
% Row Count 7 (+ 1)
% Row 3
\SetRowColor{white}
\seqsplit{Menerima:} & Jawatankuasa Syariah Bank Al-Rajhi Arab Saudi, AAOIFI dan Majlis Penasihat Syariah Bank Negara Malaysia \tn 
% Row Count 11 (+ 4)
% Row 4
\SetRowColor{LightBackground}
\seqsplit{Menolak:} & Hussain Hamid Hassan disokong Al-Amine \tn 
% Row Count 13 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{{\bf{Pembiayaan Rumah Bay' Bithaman Ajil (BBA)}}}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/humairahusnaayob_1593189632_BBA 1.png}}} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Kontrak Jual Beli}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{PR Al-Ijarah Al-Muntahiyat Bi Al-Tamlik (IMBT)}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/humairahusnaayob_1593189865_IMBT.png}}} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Kontrak Sewaan \newline -Selepas membayar deposit, pelanggan menerima pemilikan bermanfaat}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{{\bf{Pembiayaan Rumah Musharakah Mutanaqisah (MM)}}}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/humairahusnaayob_1593189954_MM.png}}} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Kontrak Perkongsian \newline -Melalui kontrak jual beli dengan pemaju, pemilikan bermanfaat terhasil}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.74655 cm} x{4.23045 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Dalil}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{يَا أَيُّهَا الَّذِينَ آمَنُوا إِذَا تَدَايَنتُم بِدَيْنٍ إِلَىٰ أَجَلٍ مُّسَمًّى فَاكْتُبُوهُ} \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\seqsplit{Maksud:} & Wahai orang-orang yang beriman! Apabila kamu menjalankan sesuatu urusan dengan hutang piutang yang diberi tempoh hingga ke suatu masa yang tertentu, maka hendaklah kamu menulis (hutang dan masa bayarannya) itu {[}Al-Baqarah: 282{]} \tn 
% Row Count 11 (+ 7)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{فَإِنْ أَمِنَ بَعْضُكُم بَعْضًا فَلْيُؤَدِّ الَّذِي اؤْتُمِنَ أَمَانَتَهُ وَلْيَتَّقِ اللَّـهَ رَبَّهُ} \tn 
% Row Count 15 (+ 4)
% Row 3
\SetRowColor{white}
\seqsplit{Maksud:} & Jika sebahagian kamu mempercayai sebahagian yang lain, maka hendaklah yang dipercayai itu menunaikan amanatnya (hutangnya) dan bertakwalah kepada Allah {[}Al-Baqarah: 283{]} \tn 
% Row Count 20 (+ 5)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Suruhan menulis (hutang) adalah dianjurkan} \tn 
% Row Count 21 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Penulisan hutang boleh diqiyaskan, kepada pendaftaran pemilikan, kerana memiliki {\emph{'illah}} yang sama; iaitu pendokumentasian} \tn 
% Row Count 24 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.33919 cm} x{2.63781 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Menurut Syariah}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{1. Kontrak jual beli adalah perpindahan hak pemilikan} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Al-Kasani (al-Bada'i al-Sana'i): & Kontrak pertukaran iaitu saling bertukar pemilikan dan saling membuat penyerahan \tn 
% Row Count 6 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Ibn Qudamah (al-Mughni): & Pertukaran harta dengan harta, bagi memindahkan pemilikan dan mengambil pemilikan \tn 
% Row Count 10 (+ 4)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{2. Perpindahan pemilikan berlaku tanpa pendaftaran nama aset ke atas pelanggan sah menurut syariah} \tn 
% Row Count 12 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{3. Hak pemilik bermanfaat menjual aset kepada pihak lain itu diiktiraf di sisi syarak} \tn 
% Row Count 14 (+ 2)
% Row 5
\SetRowColor{white}
Ibn Taimiyyah: & Keupayaan yang sah untuk mengendalikan sesuatu harta \tn 
% Row Count 17 (+ 3)
% Row 6
\SetRowColor{LightBackground}
Kesimpulan dari perspektif syariah: & Pemilikan bermanfaat merupakan pemilikan sebenar \tn 
% Row Count 20 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}