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% Document Info
\author{MUNAMALIK}
\pdfinfo{
  /Title (munawwarahmalik.pdf)
  /Creator (Cheatography)
  /Author (MUNAMALIK)
  /Subject (MUNAWWARAHMALIK Cheat Sheet)
}

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\noindent
\begin{multicols}{3}
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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{MUNAWWARAHMALIK Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{MUNAMALIK} via \textcolor{DarkBackground}{\uline{cheatography.com/123477/cs/23249/}}}
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\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}MUNAMALIK \\
  \uline{cheatography.com/munamalik} \\
  \end{tabulary}
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\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 17th June, 2020.\\
   Updated 19th June, 2020.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
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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}}




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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{KONSEP PINJAMAN MENURUT PERSPEKTIF ISLAM}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{PENDAHULUAN}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Pada era ini, berhutang merupakan trend sama ada bagi memenuhi kehendak atau kemahuan manusia. Manusia mendambakan kehidupan yang mewah tetapi dengan berhutang.Perkara ini perlu dititikberatkan kerana Allah hanya akan beri apa yang kita perlu bukan mahu dan setiap perkara ditakdirkan olehnya termasuk rezeki kehidupan.} \tn 
% Row Count 8 (+ 7)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{DALIL}}} \tn 
% Row Count 9 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Sesungguhnya {\bf{{\emph{Allah memberi rezeki kepada siapa yang dikehendaki-Nya tanpa hisab}}}} {[}surah al-Imran ayat 37{]}} \tn 
% Row Count 12 (+ 3)
\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{PANDANGAN ISLAM MENGENAI AMALAN HUTANG}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Islam tidak mengalakkan umatnya berhutang demi kepuasan atau kepentingan diri yang didorong oleh hawa nafsu.} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Berhutang memberi impak yang buruk kepada diri dan ahli keluarga.} \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Islam menyarankan umatnya menjalani kehidupan yang sederhana serta bersifat qana'ah.} \tn 
% Row Count 7 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Rasulullah menyamakan perbuatan berhutang dan tidak dilangsaikan seperti orang yang mati dalam keadaan kufur.} \tn 
% Row Count 10 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Abu Said al-Khudriyy meriwayatkan bahawa Rasulullah SAW telah bersabda: {\emph{"{\bf{Aku memohon perlindungan daripada Allah daripada perbuatan kufur dan hutang. Seorang lelaki bertanya kepada Baginda, adakah kamu samakan kekufuran dengan hutang wahai Rasullullah? Baginda menjawab: Ya, mohon dilindungi daripada hutang}}"}}} \tn 
% Row Count 17 (+ 7)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{PINJAMAN AL- ARIYAH}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{ AL-ARIYAH}} ({\bf{pinjaman}})} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{* BAHASA}} : Perpindahan} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{* {\bf{ISTILAH}} : Memberikan manfaat sesuatu benda yang halal kepada orang lain dengan tidak merosakkan keadaan asal benda itu apabila dipulangkan semula kepada pemilik asal} \tn 
% Row Count 6 (+ 4)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{*HUKUM}} : HARUS} \tn 
% Row Count 7 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 7 (+ 0)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{RUKUN}}} \tn 
% Row Count 8 (+ 1)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{a) Peminjam} \tn 
% Row Count 9 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{b) Pemberi pinjam} \tn 
% Row Count 10 (+ 1)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{c) Barang pinjaman} \tn 
% Row Count 11 (+ 1)
% Row 9
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{d) Sighah} \tn 
% Row Count 12 (+ 1)
% Row 10
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 12 (+ 0)
% Row 11
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{KONSEP}}} \tn 
% Row Count 13 (+ 1)
% Row 12
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\# Pemberian sesuatu barang bagi tujuan penggunaan manfaat tersebut secara percuma} \tn 
% Row Count 15 (+ 2)
% Row 13
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\# Pinjaman yang melibatkan barangan atau benda yang tidak musnah apabila digunakan  misalnya kereta, telefon bimbit, baju dan buku} \tn 
% Row Count 18 (+ 3)
% Row 14
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\# Barangan asal yang perlu dipulangkan kepada tuannya dan bukan barang gantian} \tn 
% Row Count 20 (+ 2)
% Row 15
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\# Jika barang mudah musnah seperti sabun maka akad pinjaman tidak sah} \tn 
% Row Count 22 (+ 2)
% Row 16
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 22 (+ 0)
% Row 17
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{CONTOH}}: A meminjamkan bukunya kepada B selama 2 minggu. Selepas 2 minggu, B perlu memulangkan semula buku A dalam keadaan asal tanpa kerosakan} \tn 
% Row Count 25 (+ 3)
\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}{DALIL PINJAMAN AL- ARIYAH}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/munamalik_1592544902_MUAMALAT AL ARIYAH DALIL 1.jpg}}} \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}{HADIS PINJAMAN AL- ARIYAH}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/munamalik_1592545170_muamalat 10.jpg}}} \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}{PINJAMAN AL-QADR AL-HASAN}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{AL- QADR}} (hutang)} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{*BAHASA}}: Al-qat'u (potong)} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{*ISTILAH}}: Penyerahan barang daripada pemiutang kepada peminjam dengan syarat diganti dengan nilai/barang yang sama} \tn 
% Row Count 5 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{*HUKUM}} : SUNAT} \tn 
% Row Count 6 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 6 (+ 0)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{OBJEKTIF}}} \tn 
% Row Count 7 (+ 1)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- Membantu golongan yang memerlukan} \tn 
% Row Count 8 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Merapatkan jurang perbezaan antara golongan kaya dan miskin} \tn 
% Row Count 10 (+ 2)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- Mengukuhkan sektor sosio ekonomi Negara} \tn 
% Row Count 11 (+ 1)
% Row 9
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 11 (+ 0)
% Row 10
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{RUKUN}}} \tn 
% Row Count 12 (+ 1)
% Row 11
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{1) Pemiutang (orang yang beri hutang)} \tn 
% Row Count 13 (+ 1)
% Row 12
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{2) Peminjam} \tn 
% Row Count 14 (+ 1)
% Row 13
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{3) Barang yang dipinjam} \tn 
% Row Count 15 (+ 1)
% Row 14
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{4) Sighah (lafaz ijab dan kabul)} \tn 
% Row Count 16 (+ 1)
% Row 15
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 16 (+ 0)
% Row 16
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{KONSEP}}} \tn 
% Row Count 17 (+ 1)
% Row 17
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\# Pinjaman melibatkan barang yang boleh diganti kembali} \tn 
% Row Count 19 (+ 2)
% Row 18
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\# Peminjam perlu pulangkan kembali barang dalam bentuk gantian bukan bentuk asal} \tn 
% Row Count 21 (+ 2)
% Row 19
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\# Dikenali sebagai salaf iaitu peminjam membayar kembali pinjaman tanpa sebarang tambahan} \tn 
% Row Count 23 (+ 2)
% Row 20
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 23 (+ 0)
% Row 21
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{PRINSIP}}} \tn 
% Row Count 24 (+ 1)
% Row 22
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1) Disebut {\bf{{\emph{pinjaman yang baik}}}} (al-qadr al-hasan)} \tn 
% Row Count 26 (+ 2)
% Row 23
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2) Mengharamkan sebarang bentuk pinjaman wang yang mempunyai faedah} \tn 
% Row Count 28 (+ 2)
% Row 24
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{3) Penghutang perlu membayar balik hutang tanpa sebarang faedah} \tn 
% Row Count 30 (+ 2)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{PINJAMAN AL-QADR AL-HASAN (cont)}}  \tn
% Row 25
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{4) Pemberian hutang atau pinjaman wang} \tn 
% Row Count 1 (+ 1)
% Row 26
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 1 (+ 0)
% Row 27
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{CONTOH}}: A memberi hutang kepada B sebanyak Rm 1000 untuk tempoh sebulan . Dalam tempoh sebulan B memulangkan semula hutang dengan nilai yang sama iaitu Rm 1000 dan bukan pulangkan wang kertas yang asal} \tn 
% Row Count 6 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{DALIL AL-QADR AL- HASAN (SURAH AL-HADID)}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/munamalik_1592395560_MUAMALAT 3.jpg}}} \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}{HADIS AL-QADR AL- HASAN}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/munamalik_1592545681_muamalat 9.jpg}}} \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}{PENJANA SOSIO EKONOMI UMMAH}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{PENJANA UMMAH}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{1) Amanah Ikhtiar Malaysia} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{2) Skim pajak gadai Islam(Ar-Rahnu)} \tn 
% Row Count 3 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{3)  Koperasi dan Bank} \tn 
% Row Count 4 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{PRINSIP-PRINSIP UMUM KETIKA BERHUTANG}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1. Menulis kontrak} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Tidak mengenakan kadar faedah kepada peminjam} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{3. Menyelesaikan semua hutang sebelum pembahagian harta si mati} \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{4. Wajib pulang wang pada tempoh yang dijanji} \tn 
% Row Count 5 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{BANTUAN KEPADA ASNAF AL-GHARIMIN}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{TUJUAN}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{1. Mewujudkan keseimbangan dalam aspek sosial dan ekonomi dalam masyarakat} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{2. Meringankan beban yang dihadapi oleh golongan yang dibelenggu hutang atau asnaf al-gharimin} \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 5 (+ 0)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{BANTUAN}}} \tn 
% Row Count 6 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{1. Majlis Agama Islam Wilayah Persekutuan (baitumal)} \tn 
% Row Count 8 (+ 2)
\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{GEJALA CETI HARAM}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1. Perniagaan pemberian pinjaman wang tanpa lesen yang sah(Ah Long)} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Mengenakan kadar faedah} \tn 
% Row Count 3 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{3. Bertentangan dengan syariat Islam} \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{KESAN}}} \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1.  Keruntuhan rumah tangga} \tn 
% Row Count 6 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2.  Perpecahan dalam keluarga} \tn 
% Row Count 7 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{LARANGAN RIBA}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{RIBA}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{*BAHASA}} : Tambahan} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{*ISTILAH}} : Penambahan nilai ke atas sesuatu pinjaman yang disyaratkan oleh pemberi pinjaman} \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{*HUKUM}} : HARAM} \tn 
% Row Count 5 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{DALIL RIBA}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/munamalik_1592547612_muamalat 8.jpg}}} \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}{HADIS RIBA}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/munamalik_1592550713_muamalat 7.jpg}}} \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{KESIMPULAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1. Islam merupakan agama yang telah menyediakan  jalan kehidupan yang syumul} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Islam mengharuskan umatnya berhutang atau membuat pinjaman kewangan hanya dalam keadaan terdesak atau sangat memerlukan} \tn 
% Row Count 5 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{3. Umat Islam dianjurkan untuk menjalani kehidupan secara bersederhana dan bersyukur dengan nikmat yang dikurniakan oleh Allah} \tn 
% Row Count 8 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{4. Islam telah mensyariatkan instrumen pemberian pinjaman kewangan yang tidak membebankan pengguna menerusi prinsip al-qard al-hasan} \tn 
% Row Count 11 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}