\documentclass[10pt,a4paper]{article}

% Packages
\usepackage{fancyhdr}           % For header and footer
\usepackage{multicol}           % Allows multicols in tables
\usepackage{tabularx}           % Intelligent column widths
\usepackage{tabulary}           % Used in header and footer
\usepackage{hhline}             % Border under tables
\usepackage{graphicx}           % For images
\usepackage{xcolor}             % For hex colours
%\usepackage[utf8x]{inputenc}    % For unicode character support
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\usepackage{seqsplit}           % Splits long words.
%\usepackage{opensans}          % Can't make this work so far. Shame. Would be lovely.
\usepackage[normalem]{ulem}     % For underlining links
% Most of the following are not required for the majority
% of cheat sheets but are needed for some symbol support.
\usepackage{amsmath}            % Symbols
\usepackage{MnSymbol}           % Symbols
\usepackage{wasysym}            % Symbols
%\usepackage[english,german,french,spanish,italian]{babel}              % Languages

% Document Info
\author{Najibah Najwa (Najibah Najwa)}
\pdfinfo{
  /Title (najibahnajwarahmat.pdf)
  /Creator (Cheatography)
  /Author (Najibah Najwa (Najibah Najwa))
  /Subject (NajibahNajwaRahmat Cheat Sheet)
}

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% This two commands together give roughly
% the right line height in the tables
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\onehalfspacing

% Commands
\newcommand{\SetRowColor}[1]{\noalign{\gdef\RowColorName{#1}}\rowcolor{\RowColorName}} % Shortcut for row colour
\newcommand{\mymulticolumn}[3]{\multicolumn{#1}{>{\columncolor{\RowColorName}}#2}{#3}} % For coloured multi-cols
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% Font and Colours
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\color{TextColor}

% Header and Footer
\pagestyle{fancy}
\fancyhead{} % Set header to blank
\fancyfoot{} % Set footer to blank
\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
    }
\end{tabulary}
\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{NajibahNajwaRahmat Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Najibah Najwa (Najibah Najwa)} via \textcolor{DarkBackground}{\uline{cheatography.com/123453/cs/23291/}}}
\end{tabulary}
\end{multicols}}

\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}Najibah Najwa (Najibah Najwa) \\
  \uline{cheatography.com/najibah-najwa} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 18th June, 2020.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{4}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{Pendahuluan}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{Statistik menggambarkan bahawa berhutang telah sebati dan telah menjadi sebahagian daripada gaya hidup masyarakat. Masyarakat membuat pinjaman adalah untuk memenuhi keperluan asas dalam kehidupan.} \tn 
% Row Count 4 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{Pandangan Islam Mengenai Amalan Berhutang}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{Islam tidak menggalakkan umatnya berhutang terutama bagi tujuan untuk melebihi keperluan asas.} \tn 
% Row Count 2 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\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}{Konsep Pinjaman Dalam Islam}}  \tn
% Row 0
\SetRowColor{LightBackground}
Al-A'riyyah & Al-Qard \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
- Pinjaman yang melibatkan pemberian sesuatu barangan bagi tujuan manfaat barang atau harta secara percuma. & - Pinjaman yang melibatkan pemindahan pemilikan barangan atau komoditi yang boleh diganti mengikut bilangan, sukatan atau timbangan. \tn 
% Row Count 8 (+ 7)
% Row 2
\SetRowColor{LightBackground}
- Melibatkan barangan atau benda yang tidak musnah apabila digunakan seperti kereta, telefon bimbit, baju dan buku. & - Barang yang dipinjam perlu dikembalikandalam bentuk gantian dan bukan merupakan barang yang asal. \tn 
% Row Count 14 (+ 6)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{3.833cm}}{- Barang yang dipinjam perlu dikembalikan dalam keadaan asal.} \tn 
% Row Count 16 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{Definisi Al-Qard}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{Bahasa : Al-Qat'u ( potong )} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{Istilah : Penyerahan sesuatu barang atau harta daripada pemiutang kepada penghutang dengan syarat barang tersebut akan digantikan kembali kepada pemilik asal tanpa sebarang penambahan.} \tn 
% Row Count 5 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{Larangan Riba}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{Dalil Larangan Riba :} \tn 
% Row Count 1 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{3.833cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{3.833cm}}{\bf\textcolor{white}{Larangan Riba}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{3.833cm}}{{\bf{Dalil Larangan Riba :}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{3.833cm}}{{\emph{"Orang-orang yang memakan harta (mengambil) riba itu tidak dapat berdiri betul melainkan seperti  berdirinya orang yang dirasuk syaitan dengan terhuyung-hayang kerana sentuhan (syaitan) itu. Yang demikian ialah disebabkan mereka megatakan: "Bahawa sesungguhnya berniaga itu sama sahaja seperti riba". Padahal Allah telah menghalalkan berjual-beli (berniaga) dan mengharamkan riba. Oleh itu, sesiapa yang telah sampai kepadanya peringatan (larangan) dari Tuhannya lalu ia berhenti (dari mengambil riba), maka apa yang telah diambilnya dahulu (sebelum pengharaman itu) adalah menjadi haknya, dan perkaranya terserahlah kepada Allah. Dan sesiapa yang mengulangi lagi (perbuatan mengambil riba itu) maka itulah ahli neraka, mereka kekal di dalamnya."}}} \tn 
% Row Count 16 (+ 15)
% Row 2
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\mymulticolumn{1}{x{3.833cm}}{(Surah Al-Baqarah; Ayat 275)} \tn 
% Row Count 17 (+ 1)
% Row 3
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\mymulticolumn{1}{x{3.833cm}}{{\bf{Hadith Rasulullah SAW Tentang Riba :}}} \tn 
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% Row 4
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\mymulticolumn{1}{x{3.833cm}}{"قال رسول الله صلى اللله عليه وسلم - "كل قرض جر منفعة, فهو ربا} \tn 
% Row Count 21 (+ 3)
% Row 5
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\mymulticolumn{1}{x{3.833cm}}{{\emph{Terjemahan}} :} \tn 
% Row Count 22 (+ 1)
% Row 6
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\mymulticolumn{1}{x{3.833cm}}{{\emph{Rasulullah SAW telah bersabda bahawa setiap pinjaman (hutang) yang ada manfaat, ianya adalah riba." }}} \tn 
% Row Count 25 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}