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% Document Info
\author{Umi Nuraliah}
\pdfinfo{
  /Title (konsep-hutang-menurut-islam.pdf)
  /Creator (Cheatography)
  /Author (Umi Nuraliah)
  /Subject (KONSEP HUTANG MENURUT ISLAM Cheat Sheet)
}

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\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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\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{KONSEP HUTANG MENURUT ISLAM Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Umi Nuraliah} via \textcolor{DarkBackground}{\uline{cheatography.com/123659/cs/23388/}}}
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\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}Umi Nuraliah \\
  \uline{cheatography.com/umi-nuraliah} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 19th June, 2020.\\
   Updated 20th June, 2020.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
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  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
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\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}{PANDANGAN ISLAM MENGENAI AMALAN BERHUTANG}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Islam tidak menggalakkan umatnya berhutang atau membuat pinjaman kewangan terutama sekali bagi tujuan yang melebihi keperluas asas .} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Agama Islam menganjurkan umatnya menjalani kehidupan secara wataniyyah atau bersederhana .} \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}{KONSEP PINJAMAN DALAM ISLAM}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1. Al-'ariyah : pinjaman yang melibatkan pemberian sesuatu barangan/harta oleh pemberi pinjam kepada peminjam bagi memanfaatkan barangan tersebut secara percuma .} \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Al-qard : pinjaman yang melibatkan pemindahan pemilikan barangan/komoditi yang boleh dianggar atau diganti mengikut bilangan .} \tn 
% Row Count 7 (+ 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}{OBJEKTIF PELAKSANAAN AL-QARD AL-HASSAN}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1. Membantu golongan yang memerlukan} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{2. Merapatkan jurang perbezaan antara golongan kaya dan miskin} \tn 
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{3. Mengukuhkan sektor sosio ekonomi negara} \tn 
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\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{4. Mendapat keberkatan dan ganjaran berterusan di dunia dan di akhirat} \tn 
% Row Count 6 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{5. Menghapuskan diskriminasi sosial dan ekonomi dalam masyarakat} \tn 
% Row Count 8 (+ 2)
\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}{AL-QARD AL-HASAN PENJANA SOSIO EKONOMI UMMAH}}  \tn
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\SetRowColor{LightBackground}
• Amanah Ikhtiar Malaysia (pinjaman ini tidak mengenakan faedah ke atas pinjaman) & • Skim pajak gadai Islam/Ar-rahnu (transaksi pemberian kemudahan pinjaman wang) \tn 
% Row Count 5 (+ 5)
\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}{LARANGAN RIBA}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Banyak hadis Rasulullah SAW yang menggambarkan ketegasan Baginda dalam memerangi riba termasuk aspek orang memakan riba, menjadi agen, mencatat transaksi dan orang yang menjadi saksi .} \tn 
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\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{عن جابر، قال: لعن رسول الله اکل الربا، وموکله، وکاتبه، وشاهديه، وقال : هم سواء} \tn 
% Row Count 7 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Terjemahan : " Rasulullah SAW mengutuk penerima riba, pemberi riba, pencatat dan dua orang saksi dan Baginda bersabda : Mereka semuanya adalah sama dalam melakukan dosa"} \tn 
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\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-HASSAN}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Prinsip muamalah Islam secara jelas mengharamkan sebarang bentuk pinjaman wang yang mempunyai faedah .} \tn 
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% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Sebarang tambahan nilai/lebihan jumlah pinjaman yang asal dianggap riba .} \tn 
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\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}{HUKUM AL-QARD AL-HASSAN}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Hukumnya adalah sunat mengikut hadis Rasulullah SAW dan juha ijma' para fuqaha'.} \tn 
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\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{روي ابن مسعود ان النبي صلى الله عليه وسلم قال : من اقرض مسلما درهما مرتين کان له اجر صدقة مرة} \tn 
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Terjemahan : "Sesiapa daripada kalangan muslim yang memberikan pinjaman kepada muslim yang lain sebanyak dua kali, ganjarannya seperti melakukan sedekah sekali"} \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}{RUKUN AL-QARD}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{1. Pemiutang} \tn 
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\mymulticolumn{1}{x{5.377cm}}{2. Penghutang/peminjam} \tn 
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\mymulticolumn{1}{x{5.377cm}}{3. Barang yang dipinjam} \tn 
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\mymulticolumn{1}{x{5.377cm}}{4. Sighah} \tn 
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{PRINSIP-PRINSIP UMUM KETIKA BERHUTANG}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Setiap hutang hendaklah ditulis bagi merekod pembayaran yang dibuat dan mengelakkan penipuan.} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Tidak boleh mengenakan sebarang bayaran tambahan terhadap pinjam yang diberikan.} \tn 
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Kepentingan menyelesaikan semua hutang turut disyaratkan.} \tn 
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% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Hutang merupakan hak individu tertentu yang wajib dipulangkan dalam tempoh tertentu.} \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}{BANTUAN KEPADA ASNAF ALQHARIMIN}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Fungsi : mewujudkan keseimbangan dalam aspek sosial dan ekonomi dalam masyarakat} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Kriteria : golongan yang terpaksa berhutang atas faktor memenuhi keperluan asas kehidupan} \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}{GEJALA CETI HARAM}}  \tn
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Mengandungi unsur riba dengan mengenakan bayaran bunga/faedah serta tidak telus dalam pembayaran balik hutang} \tn 
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% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Dikaitkan dengan keganasan seperti ugutan, pembunuhan, tindakan mencederakan dan sebagainya.} \tn 
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% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Menyebabkan pelbagai kesan negatif seperti tekanan jiwa dan keruntuhan rumahtangga bagi penghutang} \tn 
% Row Count 8 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}