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\author{Syafie}
\pdfinfo{
  /Title (syafie-mazary.pdf)
  /Creator (Cheatography)
  /Author (Syafie)
  /Subject (Syafie Mazary Cheat Sheet)
}

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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{Syafie Mazary Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Syafie} via \textcolor{DarkBackground}{\uline{cheatography.com/123637/cs/23373/}}}
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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}Syafie \\
  \uline{cheatography.com/syafie} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 23rd June, 2020.\\
   Updated 24th 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}
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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 PERSPEKTIF ISLAM}}}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{{\bf{PENDAHULUAN}}\{\{ac\}\}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Menjadi lumrah manusia untuk mendambakan kehidupan yang serba mewah.} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- Kebanyakan masyarakat terpaksa berhutang untuk menikmati taraf hidup yang lebih selesa.} \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Pinjaman kewangan sudah menjadi trend dalam dunia hari ini.} \tn 
% Row Count 7 (+ 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{PANDANGAN ISLAM MENGENAI AMALAN BERHUTANG}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- Islam tidak menggalakkan berhutang.} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Islam menyarankan umatnya menjalani kehidupan yang bersederhana serta bersifat qana'ah.} \tn 
% Row Count 3 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-Rasulullah SAW enggan menyembahyangkan jenazah seorang sahabat yang telah meninggal dunia setelah mengetahui sahabat yang meninggal dunia tersebut belum melangsaikan hutangnya. \newline Tindakan Rasulullah SAW ini menggambarkan dosa orang tidak menjelaskan hutangnya begitu berat lebih-lebih lagi dalam situasi sekiranya hutangnya itu dilipat gandakan dengan riba.}  \tn 
\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}{{\bf{KONSEP PINJAMAN DALAM ISLAM}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{AL-ARIYAH (PEMINJAM)}}\{\{ac\}\} & {\bf{AL-QARD (HUTANG)}}\{\{ac\}\} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
- Melibatkan barang yang tidak musnah (kereta). Barang yang mudah musnah pinjaman tidak sah (sabun). & - Melibatkan pemindahan pemilikan barang yang boleh diganti mengikut bilangan (wang kertas). \tn 
% Row Count 7 (+ 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}{{\bf{DEFINISI AL-QARD}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{BAHASA :}} Al-Qart'u (potong)} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{ISTILAH :}} Penyerahan barang atau harta daripada pemiutang kepada penghutang dengan syarat diganti dengan nilai yang sama tanpa penambahan} \tn 
% Row Count 4 (+ 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{LARANGAN RIBA}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Berdasarkan firman Allah SWT dalam surah {\emph{Al-Baqarah}} ayat 275} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{وَأَحَلَّ اللّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا}}\{\{ac\}\}} \tn 
% Row Count 4 (+ 2)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{{\emph{"Allah telah menghalalkan berjual-beli (berniaga) dan mengharamkan riba''}}} \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Terdapat hadis Rasulullah SAW menyebut hutang mempunyai manfaat adalah riba} \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{قال رسول االه صلى الله عليه وسلم -كل قرض جر منفعة, فهو ربا}}\{\{ac\}\}} \tn 
% Row Count 11 (+ 3)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\emph{"Rasulullah SAW telah bersabda bahawa setiap peminjam (hutang) yang ada manfaat ianya adalah riba"}}} \tn 
% Row Count 13 (+ 2)
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{{\bf{FATWA PENGHARAMAN RIBA}}}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{Semua bersepakat membuat keputusan bahawa faedah yang dikenakan dalam semua bentuk pinjaman (hutang) adalah riba.} \tn 
% Row Count 3 (+ 3)
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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}{{\bf{PRINSIP AL-QARD AL-HASAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{* Peminjam hanya perlu membayar jumlah wang dipinjam sahaja tanpa dikenakan faedah.} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{* Pemberian hutang atau peminjam wang bebas daripada unsur riba.} \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{* Al-Qard Al-Hasan bermaksud pinjaman yang baik.} \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{* Menifestasi keperihatinan seseorang buat kebaikan.} \tn 
% Row Count 7 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.4931 cm} x{3.4839 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{{\bf{HUKUM AL-QARD AL-HASAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{SUNAT:}} & Memberikan hutang kepada orang yang memerlukan. \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
{\bf{HARUS:}} & Berhutang bertujuan membebaskan diri dari kesempitan hidup. \tn 
% Row Count 5 (+ 3)
% Row 2
\SetRowColor{LightBackground}
{\bf{ TIDAK HARUS:}} & Mengetahui peminjam menggunakan wang kearah maksiat. \tn 
% Row Count 7 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.53827 cm} x{2.43873 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{{\bf{RUKUN AL-QARD}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
1. Pemiutang (memberi pinjaman) & - Tidak gila atau kanak-kanak \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
 & - Tiada paksaan \tn 
% Row Count 3 (+ 1)
% Row 2
\SetRowColor{LightBackground}
2. Penghutang & - Tidak gila atau kanak-kanak \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
 & - Tiada paksaan \tn 
% Row Count 6 (+ 1)
% Row 4
\SetRowColor{LightBackground}
 & - Mampu bayar balik \tn 
% Row Count 7 (+ 1)
% Row 5
\SetRowColor{white}
3. Barang yang dipinjam & - Barang mithly (boleh dikira) \tn 
% Row Count 9 (+ 2)
% Row 6
\SetRowColor{LightBackground}
4. Sighah & - Lafaz ijab dan qabul \tn 
% Row Count 11 (+ 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{OBJEKTIF PERLAKSANAAN AL-QARD AL-HASAN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1. Bantu golongan memerlukan.} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Merapat jurang perbezaan antara golongan kaya dan miskin.} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{3. Pupuk semangat persaudaraan.} \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{4. Mengukuhkan sektor sosio ekonomi negara.} \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{5. Memberi kemudahan kepada golongan pendapatan rendah.} \tn 
% Row Count 7 (+ 2)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{6. Hapuskan diskriminsi.} \tn 
% Row Count 8 (+ 1)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{7. Sebagai salah satu  wasilah dakwah.} \tn 
% Row Count 9 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{8. Mendapat keberkatan.} \tn 
% Row Count 10 (+ 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}{{\bf{INST​RUMEN PENJANA SOSIO EKONOMI UMMAH}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{SKIM PERKHI​DMATAN PEMBERIAN WANG}}\{\{ac\}\}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Mering​ankan beban golongan yang terdesak dan tersepit dalam kancah krisis kewangan.} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{SKIM PEMBIAYAAN SECARA MIKROKREDIT}}\{\{ac\}\}} \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Memajukan sektor ekonomi tertentu khususnya industri kecil dan sederhana.} \tn 
% Row Count 6 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{SKIM PAJAK GADAI ISLAM ATAU ALRAHNU}}\{\{ac\}\}} \tn 
% Row Count 7 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Transaksi pemberian kemudahan pinjaman wang kepada pemegang gadaian sebagai cagaran terhadap pinjaman yang dibuat.} \tn 
% Row Count 10 (+ 3)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{SKIM PINJAMAN KEWANGAN DAN PEMBIAYAAN}}\{\{ac\}\}} \tn 
% Row Count 11 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Seseorang itu dibenarkan berhutang atau membuat pinjaman kewangan bertujuan menunaikan rukun Islam yang kelima sekiranya dia yakin mampu membayar balik.} \tn 
% Row Count 15 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{{\bf{PRINSIP UMUM KETIKA BERHUTANG}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Setiap hutang ditulis.} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Tiada bayaran tambahan.} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Selesaikan semua hutang si mati sebelum harta pusaka dibahagikan secara faraid.} \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\textasciitilde{} Wajib pulangkan pada waktu yang dijanjikan.} \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}{{\bf{BANTUAN KEPADA ASNAF AL-GHARIMIN}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{INSTITUSI ZAKAT DAN BAITUMAL}}\{\{ac\}\}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Mewujudkan keseimbangan dalam aspek sosial ekonomi.} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- Meringankan beban yang dihadapi oleh golongan yang dibelenggu hutang.} \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Memenuhi keperluan asas kehidupan.} \tn 
% Row Count 6 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.58804 cm} x{2.38896 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{{\bf{GEJALA CETI HARAM}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
1. Ah Long atau khidmat pinjaman tanpa lesen. & 2. Bertentangan dengan syariat Islam. \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{3. Mengenakan faedah.} \tn 
% Row Count 4 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 4 (+ 0)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{{\bf{KESAN}}\{\{ac\}\}} \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
- Keruntuhan rumah tangga. & - Perpecahan keluarga. \tn 
% Row Count 7 (+ 2)
% Row 5
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{- Menghadapi tekanan jiwa.} \tn 
% Row Count 8 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}