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% Most of the following are not required for the majority
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% Document Info
\author{Nasuha (Saiyidah Nasuha)}
\pdfinfo{
  /Title (saiyidah-ibrahim.pdf)
  /Creator (Cheatography)
  /Author (Nasuha (Saiyidah Nasuha))
  /Subject (Saiyidah Ibrahim Cheat Sheet)
}

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% Header and Footer
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\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
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    \vspace{-7pt}
    {\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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\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Saiyidah Ibrahim Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Nasuha (Saiyidah Nasuha)} via \textcolor{DarkBackground}{\uline{cheatography.com/123359/cs/23211/}}}
\end{tabulary}
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\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}Nasuha (Saiyidah Nasuha) \\
  \uline{cheatography.com/saiyidah-nasuha} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 13th June, 2020.\\
   Updated 18th June, 2020.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
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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
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

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% 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}{KONSEP PINJAMAN MENURUT PERSPEKTIF ISLAM}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{PENDAHULUAN} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Lumrah manusia mendambakan kehidupan mewah} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Allah Maha Mengetahui segala rahsia dan hikmah perjalanan hidup manusia} \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Allah berfirman dalam surah Al-Zukhuf : 32} \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}{PANDANGAN ISLAM MENGENAI AMALAN HUTANG}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Islam tidak menggalakkan umatnya berhutang} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Islam menganjurkan umatnya menjalani kehidupan sederhana} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Keinginan perlu seiring dengan keimanan} \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Zaman ini, banyak khidmat pinjaman yang tidak ikut syariat Islam} \tn 
% Row Count 6 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Menyebabkan tabiat berhutang menular dalam masyarakat} \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}{KONSEP PINJAMAN DALAM ISLAM}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Al-Ariyah: melibatkan barang yang tidak musnah(telefon). Barang yang mudah musnah pinjaman tidak sah(sabun)} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Al-Qard: melibatkan pemindahan milik barang yang boleh diganti ikut bilangan} \tn 
% Row Count 5 (+ 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}{DEFINISI AL-QARD}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Segi bahasa: al-qat'u (potong), harta yang diberi pinjam} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Segi istilah: penyerahan barang daripada pemiutang kepada peminjam dengan syarat diganti dengan nilai yang sama} \tn 
% Row Count 5 (+ 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}{LARANGAN RIBA}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Sabda Rasulullah SAW yang bermaksud "bahawa setiap pinjaman (hutang) yang ada manfaat ianya adalah riba."} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Dosa riba amat berat di sisi Allah SWT} \tn 
% Row Count 4 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Menurut Al-Sarakhsi: hutang yang menghasilkan faedah tidak halal} \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Pendapat Ibn Qudamah: setiap tambahan pada hutang, haram tanpa perselisihan pendapat ulama} \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}{PRINSIP AL-QARD AL-HASAN}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Prinsip muamalah Islam mengharamkan sebarang bentuk faedah dalam pinjaman(riba)} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Faedah mempunyai unsur penindasan dan ketidakadilan} \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Al-Qard Al-Hasan: pinjaman baik} \tn 
% Row Count 5 (+ 1)
% Row 3
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\mymulticolumn{1}{x{5.377cm}}{*tidak mempunyai faedah} \tn 
% Row Count 6 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{*manifestasi seseorang buat kebajikan} \tn 
% Row Count 7 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Allah mengiktiraf orang yang beri pinjaman secara Al-Qard seperti firman Allah dalam surah al-Baqarah:245} \tn 
% Row Count 10 (+ 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}{HUKUM AL-QARD AL-HASAN}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Rasulullah SAW bersabda:"seorang muslim yang memberikan pinjaman wang atau hutang (qard) sebanyak dua kali adalah seperti bersedekah sekali."} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-SUNAT: memberi hutang kepada orang yang perlu} \tn 
% Row Count 4 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-HARUS: berhutang bagi membebaskan diri dari kesempitan hidup} \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-TIDAK HARUS: mengetahui peminjam gunakan wang kepada perkara haram} \tn 
% Row Count 8 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.63781 cm} x{2.33919 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{RUKUN AL-QARD}}  \tn
% Row 0
\SetRowColor{LightBackground}
1)Pemiutang (orang beri hutang) & 2)Peminjam \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
3)Barang yang dipinjam & 4)Sighah (lafaz ijab kabul) \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}{OBJEKTIF PELAKSANAAN AL-QARD AL-HASAN}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Membantu golongan yang memerlukan} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Memupuk semangat persaudaraan umat Islam} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Mengukuhkan sektor sosio ekonomi negara} \tn 
% Row Count 3 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\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}{PRINSIP UMUM KETIKA BERHUTANG}}  \tn
% Row 0
\SetRowColor{LightBackground}
1)Tulis kontrak & 2)Tidak boleh ada faedah (bunga) \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
3)Selesaikan hutang yang disyaratkan dalam perwarisan & 4)Wajib pulangkan pada waktu yang dijanji \tn 
% Row Count 5 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.09034 cm} x{2.88666 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{INSTRUMEN PENJANA SOSIO EKONOMI UMMAH}}  \tn
% Row 0
\SetRowColor{LightBackground}
1)Amanah Ikhtiar Malaysia & 2)Skim pajak gadai Islam (Al-Rahnu) \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{3)Institusi kewangan dan koperasi} \tn 
% Row Count 3 (+ 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}}{-Institusi zakat (Baitumal): Majlis Agama Islam} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Mewujudkan kesimbangan dalam aspek sosial ekonomi} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Memenuhi keperluan asas kehidupan (mangsa kebakaran)} \tn 
% Row Count 4 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.63781 cm} x{2.33919 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{GEJALA CETI HARAM}}  \tn
% Row 0
\SetRowColor{LightBackground}
1)Ah Long atau khidmat pinjaman tanpa lesen sah & 2)Tidak mengikut syara' \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
3)Mempunyai faedah (bunga) & 4)Penyebab pada perpecahan keluarga \tn 
% Row Count 5 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}