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% Packages
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\usepackage{multicol}           % Allows multicols in tables
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\usepackage{tabulary}           % Used in header and footer
\usepackage{hhline}             % Border under tables
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%\usepackage[utf8x]{inputenc}    % For unicode character support
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\usepackage{setspace}           % For line height
\usepackage{lastpage}           % Needed for total page number
\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{nursabihah01}
\pdfinfo{
  /Title (sabihahesa.pdf)
  /Creator (Cheatography)
  /Author (nursabihah01)
  /Subject (sabihahesa Cheat Sheet)
}

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% This two commands together give roughly
% the right line height in the tables
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% Commands
\newcommand{\SetRowColor}[1]{\noalign{\gdef\RowColorName{#1}}\rowcolor{\RowColorName}} % Shortcut for row colour
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% 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{sabihahesa Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{nursabihah01} via \textcolor{DarkBackground}{\uline{cheatography.com/123375/cs/23183/}}}
\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}nursabihah01 \\
  \uline{cheatography.com/nursabihah01} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 12th June, 2020.\\
   Updated 13th 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*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{{\bf{PENGENALAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Menurut islam, pinjaman perumahan konvensional berasaskan riba dan sebab utama pengharamannya.} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Masyarakat bukan islam menerima konsep ini kerana dianggap lebih beretika dan bermoral.} \tn 
% Row Count 4 (+ 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{PEMILIKAN MENURUT PERSPEKTIS SYARIAH}}}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-berasal daripada tiga huruf ({\emph{mim}}, {\emph{lam}} dan {\emph{kaf}}) merujuk kepada kekuatan dan kesihatan pada sesuatu (quwwah fi al-shay' wa sihhah) (Ibnu Faris). \newline % Row Count 4 (+ 4)
{\bf{ISTILAH}} :- \newline % Row Count 5 (+ 1)
{\bf{Mazhab}} {\bf{Hanafi}} \newline % Row Count 6 (+ 1)
(قدرة یثبتھا الشارع ابتداء على التصرف (إلا لمانع \newline % Row Count 8 (+ 2)
{\bf{Mazhab}} {\bf{Maliki}} \newline % Row Count 9 (+ 1)
حكم شرعي مقدر في أو المنفعة يقتضي تمكن من يضاف إليه   \newline % Row Count 11 (+ 2)
        من انتقفاعه بالمملوك والعوض عنه من حيث هو كذلك \newline % Row Count 13 (+ 2)
{\bf{Mazhab}} {\bf{Syafi'i}} \newline % Row Count 14 (+ 1)
حكم شرعي یقدر في عین أو منفعة یقتضي تمكن من ینسب إلیه  \newline % Row Count 16 (+ 2)
                     من انتفاعه والعوض عنه من حيث هو كذلك                                                                     \newline % Row Count 20 (+ 4)
{\bf{Mazhab}} {\bf{Hanbali}} \newline % Row Count 21 (+ 1)
                       القدرة الشرعیة على التصرف في الرقبة% Row Count 23 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{{\bf{PEMBAHAGIAN}} {\bf{PEMILIKAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Pemilikan penuh (milk tam )}} & {\bf{Pemilikan separa penuh (milk naqis) - dipecah kepada 3}} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
- seseorang memiliki fizikal dan manfaat harta secara bersama. & a) Pemilikan terhadap manfaat harta tanpa memiliki manfaatnya ({\emph{Milk}} {\emph{'Ayn}} {\emph{Bi}} {\emph{La}} {\emph{Manfaah}}) \tn 
% Row Count 8 (+ 5)
% Row 2
\SetRowColor{LightBackground}
- Ibn Rajab menyatakan pemilikan terjadi disebabkan beberapa kaedah transaksi terstentu & b) Pemilikan terhadap manfaat harta tanpa memiliki fizikalnya ({\emph{Milk}} {\emph{Manfaah}} {\emph{ Bi}} {\emph{La}} {\emph{'Ayn}}) \tn 
% Row Count 13 (+ 5)
% Row 3
\SetRowColor{white}
- memiliki harta secara penuh iaitu milik kepada fizikal dan manfaat  kepada harta  tersebut & c) Memiliki hak untuk mengambil manfaat daripada harta tetapi tidak memiliki manfaatnya ({\emph{Milk}} {\emph{Intifa'}}) \tn 
% Row Count 19 (+ 6)
\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{PEMILIKAN}} {\bf{UNDANG-UNDANG}} {\bf{INGGERIS}}}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Menurut Sir Arthur Underhill}} \newline % Row Count 1 (+ 1)
- {\bf{amanah}}- tanggungjawab ekuiti yang mengikat seseorang (pemegang amanah) untuk mengendalikan harta yang diamanahkan \newline % Row Count 4 (+ 3)
{\bf{Hudson (2007)}} -{\bf{amanah}} - terbahagi kepada 4 elemen  \newline % Row Count 6 (+ 2)
   i) mengikuti kaedah-kaedah ekuiti \newline % Row Count 7 (+ 1)
   ii) memberikan hak harta kepada benefisiari \newline % Row Count 8 (+ 1)
   ii) mengenakan  tanggungjawab kepada pemegang amanah \newline % Row Count 10 (+ 2)
   iv) tanggungjawab itu amanah \newline % Row Count 11 (+ 1)
{\bf{Ekuiti}} - berpegang kepada konsep keadilan, kesaksamaan dan kebenaran  \newline % Row Count 13 (+ 2)
{\bf{Konsep Amanah}} \newline % Row Count 14 (+ 1)
- {\bf{pemilik undang-undang}} ({\emph{legal}} {\emph{owner}}) \newline % Row Count 15 (+ 1)
- {\bf{pemilik bermanfaat}} - ({\emph{beneficial}} {\emph{owner}})% Row Count 16 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.55618 cm} x{1.51041 cm} x{1.51041 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{{\bf{PEMILIKAN BERMANFAAT DALAM KEWANGAN ISLAM}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
Aplikasi Pemilikan Bermanfaat dalam Kontrak Jual Beli Pembiayaan Perumahan Bay' Bithaman Ajil (BBA) & Aplikasi Pemilikan Bermanfaat dalam Kontrak Sewaan Pembiayaan Perumahan Al-Ijarah \seqsplit{Al-Muntahiyat} Bi Al-Tamlik (IMBT) & Aplikasi Pemilikan Bermanfaat dalam Kontrak Perkongsian Pembiayaan Perumahan Musharakah Mutanaqisah (MM) \tn 
% Row Count 9 (+ 9)
\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{KONSEP PEMILIKAN BERMANFAAT MENURUT SYARIAH}}}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-ijab dan kabul berlaku ketika pihak pelanggan tandatangani Perjanjian Jual Beli bersama pemaju dengan membayar deposit \newline % Row Count 3 (+ 3)
-pemaju perlu serahkan aset kepada pembeli dan pembeli perlu melangsaikan hutang  \newline % Row Count 5 (+ 2)
-perpindahan pemilik berlaku walaupun nama aset tidak didaftarkan ke atas pelanggan \newline % Row Count 7 (+ 2)
-ketika proses jual beli, hak milik undang-undang aset berada pada pemaju tetapi pemilikan akan didaftarkan sebaik sahaja bayaran penuh dilakukan \newline % Row Count 10 (+ 3)
-pelanggan berhak menjual aset kepada bank bagi mendapatkan pembiayaaan  \newline % Row Count 12 (+ 2)
-bank merupakan pemilik berdasarkan prinsip shirkah ({\emph{perkongsian}})% Row Count 14 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}