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% Document Info
\author{nabilah azman (Nabilah Azman00)}
\pdfinfo{
  /Title (konsep-pinjaman-menurut-pandangan-islam.pdf)
  /Creator (Cheatography)
  /Author (nabilah azman (Nabilah Azman00))
  /Subject (KONSEP PINJAMAN MENURUT PANDANGAN ISLAM Cheat Sheet)
}

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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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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{KONSEP PINJAMAN MENURUT PANDANGAN ISLAM Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{nabilah azman (Nabilah Azman00)} via \textcolor{DarkBackground}{\uline{cheatography.com/123562/cs/23317/}}}
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\noindent
\begin{multicols}{3}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}nabilah azman (Nabilah Azman00) \\
  \uline{cheatography.com/nabilah-azman00} \\
  \end{tabulary}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 16th June, 2020.\\
   Updated 20th 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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\begin{document}
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{{\bf{KONSEP PINJAMAN DALAM ISLAM}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Pinjaman dibahagikan kepada 2 kategori iaitu  {\emph{al-'ariyah}} dan {\emph{al-qard}} .} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\emph{ {\bf{Al-Ariyah}} }} hanya melibatkan barangan atau benda yang tidak musnah apabila digunakan yang boleh dikembalikan dalam keadaan asal contohnya kereta .} \tn 
% Row Count 6 (+ 4)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Sekiranya barang tersebut merupakan barang yang mudah musnah seperti sabun , maka akad pinjaman tersebut tidak sah}} .} \tn 
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% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\emph{ {\bf{Al-Qard}} }} pula ialah pinjaman yang melibatkan pemindahan pemilikan barangan dan diganti mengikut timbangan .} \tn 
% Row Count 12 (+ 3)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{DEFINISI {\emph{AL-QARD}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\emph{ {\bf{Al-Qard}} }} : {\bf{bahasa}} bermaksud {\emph{al-qat'u}} (potong)} \tn 
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% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Istilah}} : {\emph{al-Qard}} merujuk kepada penyerahan sesuatu barang atau harta daripada pemiutang kepada penghutang dengan syarat barang tersebut sama nilai dengan harta yang telah diambil oleh penghutang tanpa sebarang penambahan .} \tn 
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% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Ia {\bf{dilarang}} membuat sebarang penambahan kerana ia amat ditegah dalam Islam kerana ia dianggap sebagai {\emph{riba'}}} \tn 
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{LARANGAN RIBA}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Larangan {\emph{riba}} adalah jelas lagi nyata berdasarkan kepada firman Allah S.W.T dalam surah {\emph{al-Baqarah}} ayat 275 ;} \tn 
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\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا ۚ }}} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Maksudnya ; Padahal Allah telah menghalalkan berjual-beli (berniaga) dan mengharamkan {\emph{riba}} .} \tn 
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% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Allah S.W.T juga telah memberi peringatan kepada orang yang beriman agar tidak memakan {\emph{riba}} sebaliknya mereka diseru supaya bertakwa hanyalah kepada Allah S.W.T .} \tn 
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% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Selain itu , {\bf{dosa orang yang melakukan {\emph{riba}} juga adalah amat berat di sisi Allah S.W.T .}}} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{PRINSIP AL-QARD AL-HASAN}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{Prinsip muamalah Islam secara jelas mengharamkan jual beli yang mempunyai unsur {\emph{riba}} .} \tn 
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\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\emph{ {\bf{al-Qard al-Hasan}} }} bermaksud pinjaman yang baik .} \tn 
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% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Ia merupakan kebaikan seseorang untuk melakukan kebajikan dengan membantu saudaranya yang berada dalam kesempitan khususnya dalam aspek kewangan tanpa dikenakan tambahan .} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{HUKUM AL-QARD AL-HASAN}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Hukum perlaksanaan {\emph{qard hasan}} adalah {\bf{sunat}}  .} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{RUKUN AL-QARD}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{{\bf{PEMIUTANG}} (orang yang memberi hutang)} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{PENGHUTANG \textbackslash{} PEMINJAM}} (orang yang berhutang)} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{BARANG YANG DIPINJAM}}} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{SIGHAH }} ({\emph{ijab}} dan {\emph{qabul}})} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{BANTUAN KEPADA ASNAF AL-GHARIMIN}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- {\bf{Institusi zakat}} : Mewujudkan keseimbangan dalam aspek sosial dan ekonomi .} \tn 
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% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Golongan yang berkemampuan untuk mengeluarkan zakat mampu meringankan beban golongan yang kurang berkemampuan dan kurang bernasib baik .} \tn 
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- Dapat memupuk nilai simpati dalam setiap individu .} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{JENIS ASNAF}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/nabilah-azman00_1592321892_FIQH MUAMALAT JENIS ASNAF.jpg}}} \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}{KESIMPULAN}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Sebagai seorang muslim , kita haruslah menitikberatkan kepentingan agama sepanjang kehidupan seharian serta ditunjukkan sifat yang baik agar mendapat ganjaran di akhirat malah mampu menarik perhatian kepada orang bukan Islam . {\bf{Islam itu mudah , silap jika ia dimudah-mudahkan serta diambil mudah}} . Semoga kita tergolong dalam golongan yang sentiasa beramal soleh serta sentiasa mendapat kebaikan di dunia dan di akhirat , inshaAllah .} \tn 
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\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 UMUM KETIKA BERHUTANG}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1. Setiap hutang yang dibuat mestilah ditulis bagi memastikan pihak-pihak yang berkontrak khususnya menyedari komitmen diri untuk membayar kembali hutang .} \tn 
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% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Tidak boleh mengenakan sebarang bayaran tambahan terhadap peminjam yang diberikan atas sebab kelewatan membuat pembayaran balik hutang walaupun telah dipersetujui pada awal kontrak .} \tn 
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\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}{OBJEKTIF AL-QARD AL-HASAN}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{1. Membantu golongan yang memerlukan .} \tn 
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% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Menjadi salah satu jalan dakwah kepada golongan bukan Islam bahawa Islam itu indah kerana tiada kezaliman dilakukan walaupun dalam pinjaman .} \tn 
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{3. Mendapat keberkatan dan ganjaran berterusan di dunia dan di akhirat serta disenangi oleh sekalian makhluk .} \tn 
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\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
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\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{GEJALA CETI HARAM}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Kegiatan ceti haram ialah {\bf{bertentangan dengan ajaran Islam}} mengandungi unsur riba dengan mengenakan bayaran bunga atau faedah serta tidak memperoleh sebarang manfaat .} \tn 
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% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Ia juga melibatkan Ah Long yang sentiasa menggunakan keganasan untuk memastikan penghutang membayar dengan kadar yang telah ditetapkan mereka .} \tn 
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\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}