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t0 \fs18\cf0\par\pard\li626\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li626\ri0\sl-2
13\slmult0 \fs18\cf0\par\pard\li626\ri0\sl-400\slmult0 \fs24\cf0\f0\charscalex10
0\b {A. Pengertian}\b0 \par\column\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \
fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmul
t0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\s
lmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-2
13\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\
sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\
ri0\sl-346\slmult0 \fs24\cf0\f0\charscalex100 {Pertemuan Pertama}\par\pard\li520
\ri0\sl-346\slmult0 \fs28\cf0\f0\charscalex100\b {Jual-beli}\b0 \par\pard\sect\s
ectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\li986\ri0\sl-21
3\slmult0 \fs18\cf0\par\pard\li986\ri0\sl-346\slmult0 \fs24\cf0\f1\charscalex100
{Perdagangan atau jual-beli dalam bahasa arab sering}\fs24\cf0\f1\c
harscalex100 { }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {d
isebut dengan kata }\fs22\cf0\f0\charscalex100\i {al-bai', al-tijarah, }
\i0 \fs24\cf0\f1\charscalex100 {atau}\fs22\cf0\f0\charscalex100\i { al-mubadala
h}\i0 \fs24\cf0\f1\charscalex100 {. }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf
1893\marglsxn666\margrsxn133\pard\li986\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li
986\ri0\sl-346\slmult0 \fs24\cf0\f0\charscalex100 {Secara bahasa riba bera
rti tambahan (ziyadah). Dan}\fs24\cf0\f0\charscalex100 { }\par\pard\li640\
ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex100 {secara istilah berarti tambahan p
ada harta yang disyaratkan}\fs24\cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl280\slmult0 \fs22\cf0\f0\charscalex100 {dalam transaksi dari dua pelaku akad dal
am tukar menukar}\fs22\cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl-266\slmult
0 \fs24\cf0\f0\charscalex100 {antara harta dengan harta.}\par\pard\li1000\ri0\sl
-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22\cf0\f0\charscale
x100 {Sebagian ulama ada yang menyandarkan definisi\uc1\u8217X riba\uc1\u8217X}\
fs22\cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\cha
rscalex100 {pada hadits yang diriwayatkan al-Harits bin Usamah}\par\pard\sect\se
ctd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\sect\sectd\sbkpa
ge\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\pard\l
i5400\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqh Muamalat}\i0 \par\pa
rd\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-466\slmult0 \fs24\
cf0\f0\charscalex100 {Dari Ali bin Abi Thalib, yaitu bahwa Rasulullah SAW}\fs24\
cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f0\charscal
ex100 {bersabda:\uc1\u8221X Setiap hutang yang menimbulkan manfaat}\fs
22\cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\chars
calex100 {adalah riba\uc1\u8221X.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\
par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f0\charscalex100 {Pendapat ini
tidak tepat, karena, hadits itu sendiri}\fs22\cf0\f0\charscalex100 { }
\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f0\charscalex100 {sanadnya lemah, s
ehingga tidak bisa dijadikan dalil. Jumhur}\fs22\cf0\f0\charscalex100 { }\par\pa
rd\li640\ri0\sl-280\slmult0 \fs22\cf0\f0\charscalex100 {ulama tidak menjadik
an hadits ini sebagai definisi riba\uc1\u8217X,}\fs22\cf0\f0\charscale
x100 { }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {karena ti
dak menyeluruh dan lengkap, disamping itu ada}\fs22\cf0\f0\charscalex100 { }\p
ar\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f0\charscalex100 {manfaat yang bukan
riba\uc1\u8217X yaitu jika pemberian tambahan}\fs22\cf0\f0\charscalex100 { }\par
\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex100 {atas hutang tersebut
tidak disyaratkan.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\r
i0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {B. Sejarah Riba}\b0 \par\pard\li
1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22\cf0\f
0\charscalex100 {Riba memiliki sejarah yang sangat panjang dan}\fs22
\cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f0\charsca
lex100 {prakteknya sudah dimulai semenjak bangsa Yahudi sampai}\fs22\cf0\f0\char
scalex100 { }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex100 {masa
Jahiliyah sebelum Islam dan awal-awal masa ke-}\par\pard\li640\ri
0\sl-280\slmult0 \fs22\cf0\f0\charscalex100 {Islaman. Padahal semua agama
Samawi mengharamkan}\fs22\cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl-266
\slmult0 \fs22\cf0\f0\charscalex100 {riba karena tidak ada kemaslahatan
sedikitpun dalam}\fs22\cf0\f0\charscalex100 { }\par\pard\li640\ri0\sl-280\sl
mult0 \fs24\cf0\f0\charscalex100 {kehidupan bermasyarakat. Allah SWT berfirman:}
\par\pard\li773\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li773\ri0\sl-546\slmult0 \
fs32\cf0\f0\charscalex100 {\uc1\u1606X\uc1\u1593X \uc1\u1605X\uc1\u1607X(\uc1\u1
583X\uc1\u1589X\uc1\u1576X\uc1\u1608X \uc1\u1605X\uc1\u1607X}\par\pard\li1160\ri
0\sl-480\slmult0 \fs32\cf0\f0\charscalex100 {\uc1\u1587X\uc1\u1575X*\uc1\u1606X\
uc1\u1604X\uc1\u1575X }\par\pard\li3000\ri0\sl-480\slmult0 \fs32\cf0\f0\charscal
ex100 {\uc1\u1575Xl\uc1\u1605X\uc1\u1610X\uc1\u1604X}\par\pard\li640\ri0\sl-213\
slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs20\cf0\f0\charscalex100\i
{Maka disebabkan kezaliman orang-orang Yahudi, Kami haramkan}\i0 \fs20\cf0\f0\c
harscalex100\i { }\i0 \par\pard\li640\ri0\sl-266\slmult0 \fs20\cf0\f0\charscalex
100\i {atas mereka (memakan makanan) yang baik-baik (yang dahulunya) }\i0 \fs20\
cf0\f0\charscalex100\i { }\i0 \par\pard\li640\ri0\sl-266\slmult0 \fs16\cf0\f0\ch
arscalex100\i {dihalalkan bagi mereka, dan karena mereka banyak me
nghalangi}\i0 \fs16\cf0\f0\charscalex100\i { }\i0 \par\pard\li640\ri0\sl-280\slm
ult0 \fs20\cf0\f0\charscalex100\i {(manusia) dari jalan Al ah, dan disebabkan me
reka memakan riba,}\i0 \fs20\cf0\f0\charscalex100\i { }\i0 \par\pard\li640\ri0\s
ult0 \fs24\cf0\f0\charscalex100 {terpenuhi, maka akad itu menjadi cacat atau tid
ak sah.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\s
lmult0 \fs24\cf0\f0\charscalex100\b {3.1. Al-'Aqidani (dua belah pihak)}\b0 \par
\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs
22\cf0\f0\charscalex100 {Yang dimaksud adalah pihak yang menyewakan a
tau }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex100 {musta'jir (\
uc1\u1585X\uc1\u1580X\uc1\u1571X\uc1\u1578XRR\uc1\u1587X\uc1\u1605X) dan pihak y
ang menyewa atau muajjir (}\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f0\chars
calex100 {\uc1\u1585X\uc1\u1580X\uc1\u1608X\uc1\u1605X).}\par\pard\li1000\ri0\sl
-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22\cf0\f0\charscale
x100 {Keduanya adalah inti dari akad ini yang bila salah }\par\p
ard\li640\ri0\sl-280\slmult0 \fs22\cf0\f0\charscalex100 {satunya tidak ada, misa
lnya tidak ada yang menyewa atau }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f
0\charscalex100 {tidak ada yang menyewakan, tentu tidak bisa dikat
akan }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100 {akad sewa m
enyewa. }\par\pard\li6186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6186\ri0\sl-21
3\slmult0 \fs18\cf0\par\pard\li6186\ri0\sl-400\slmult0 \fs24\cf0\f0\charscalex10
0 {41}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn13
3\margtsxn666\margbsxn173\cols2\colno1\colw5400\colsr-0\colno2\colw2200\pard\li6
40\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\
pard\li640\ri0\sl-466\slmult0 \fs24\cf0\f0\charscalex100\b {3.2. Shighat }\b0 \p
ar\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs
18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-466\slm
ult0 \fs24\cf0\f0\charscalex100\b {3.3. Pembayaran}\b0 \par\pard\li640\ri0\sl-21
3\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\r
i0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-466\slmult0 \fs24\cf0\f0\chars
calex100\b {3.4. Manfaat}\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pa
rd\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0
\fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-386\
slmult0 \fs24\cf0\f0\charscalex100\b {4. Objek Ijarah}\b0 \par\column\pard\li0\r
i0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\sec
t\sectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\li1000\ri0\s
l-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs24\cf0\f0\charscal
ex100 {Dari beberapa definisi di atas telah disebutkan bahwa }\par\pard\li640\ri
0\sl-280\slmult0 \fs24\cf0\f0\charscalex100 {ijarah itu merupakan sebuah transak
si atas suatu manfaat. }\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\l
i1000\ri0\sl-333\slmult0 \fs22\cf0\f0\charscalex100 {Dalam hal ini, manfaat men
jadi objek transaksi. Dari }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\cha
rscalex100 {segi ini, ijarah dapat dibedakan menjadi dua macam. }\par\pard\li100
0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22\cf0\f0\c
harscalex100 {Pertama, ijarah yang mentransaksikan manfaat harta }\par
\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100 {benda yang lazim
disebut dengan persewaan. Misalnya, }\par\pard\li640\ri0\sl-280\slmult0
\fs24\cf0\f0\charscalex100 {sewa-menyewa rumah, kendaraan, toko dan lainnya. }\p
ar\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \
fs22\cf0\f0\charscalex100 {Kedua, ijarah yang mentransaksikan manfaat SDM yang }
\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex100 {lazim disebut den
gan perburuhan.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\
sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {4.1. Manfaat Harta Benda}\b0 \par\p
ard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22
\cf0\f0\charscalex100 {Tidak semua harta benda boleh diijarahkan, kecuali bila }
\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex100 {bila memenuhi sya
rat-syarat berikut ini :}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\l
i640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-346\slmult0 \fs24\cf0\f0
\charscalex100 {42}\par\pard\sect\sectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn6
66\margrsxn133\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrs
xn133\margtsxn666\margbsxn173\cols2\colno1\colw2440\colsr-0\colno2\colw5160\pard
\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\
pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-466\slmult0 \fs2
86X\uc1\u1604X\uc1\u1575X\uc1\u1608X \uc1\u1610X\uc1\u1593X*\uc1\u1588X\uc1\u160
4X\uc1\u1575X\uc1\u1608X \uc1\u1577X}\par\pard\li920\ri0\sl-480\slmult0 \fs32\cf
0\f0\charscalex100 {\uc1\u1575X\uc1\u1605X :\uc1\u1604X\uc1\u1575X}\par\pard\li3
293\ri0\sl-480\slmult0 \fs32\cf0\f0\charscalex100 {Z\uc1\u1610X\uc1\u1585X\uc1\u
1575X\uc1\u1582X\uc1\u1576X-\uc1\u1604X}\par\pard\li640\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li640\ri0\sl-320\slmult0 \fs16\cf0\f0\charscalex100\i {Abdurrahman
bin Abza dan Abdul ah bin Auf RA keduanya }\i0 \par\pard\li640
\ri0\sl-280\slmult0 \fs16\cf0\f0\charscalex100\i {mengatakan,"Kami biasa men
dapat ghanimah bersama Rasulul ah }\i0 \par\pard\li640\ri0\sl-266\slmult0
\fs20\cf0\f0\charscalex100\i {SAW. Datang orang-orang dari negeri syam. Lalu ka
mi pinjamkan }\i0 \par\pard\li640\ri0\sl-266\slmult0 \fs20\cf0\f0\charscalex100\
i {kepada mereka untuk dibayar gandum atau sya\uc1\u8217Xir atau kismis dan }\i
0 \par\pard\li640\ri0\sl-266\slmult0 \fs20\cf0\f0\charscalex100\i {minyak sampai
kepada masa yang telah tertentu. Ketika ditanyakan }\i0 \par\pard\li640\ri0\sl280\slmult0 \fs16\cf0\f0\charscalex100\i {kepada kami,"Apakah mereka itu
mempunyai tanaman?\uc1\u8221X. Jawab }\i0 \par\pard\li640\ri0\sl-266\slmult
0 \fs16\cf0\f0\charscalex100\i {kedua sahabat ini,"Tidak kami tanyakan kepada me
reka tentang itu\uc1\u8221X. }\i0 \par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\
f1\charscalex100 {(HR Bukhari dan Muslim)}\par\pard\li640\ri0\sl-213\slmult0 \fs
18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {2.3. Dali
l Ijma'}\b0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl
-346\slmult0 \fs22\cf0\f1\charscalex100 {Ibnu Al-Munzir menyebutkan bahwa semua
orang yang }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {kami
kenal sebagai ahli ilmu telah bersepakat bahwa akad }\par\pard\l
i640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {salam itu merupakan akad yan
g dibolehkan{\field{\*\fldinst{HYPERLINK "#52"}}{\fldrslt {.}}}}\fs14\cf0\f1\cha
rscalex100 {{\field{\*\fldinst{HYPERLINK "#52"}}{\fldrslt {16}}}}\par\pard\li640
\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\cha
rscalex100\b {3. Keuntungan dan Manfaat Akad Salam}\b0 \par\pard\li640\ri0\sl-37
3\slmult0 \fs12\cf0\f0\charscalex100 {16}{ }\fs16\cf0\f0\charscalex100 {Al-Mughn
i oleh Ibnu Qudamah jilid 4 halaman 304}\par\pard\li640\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li640\ri0\sl-386\slmult0 \fs24\cf0\f0\charscalex100 {52}\par\pard\
sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\ma
rgbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thah
arah}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-45
3\slmult0 \fs24\cf0\f1\charscalex100 {Akad salam ini dibolehkan dalam
syariah Islam karena }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charsc
alex100 {punya hikmah dan manfaat yang besar, dimana kebutuhan }\p
ar\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {manusia dalam bermu
amalat seringkali tidak bisa dipisahkan }\par\pard\li640\ri0\sl-266\slmult0 \fs2
2\cf0\f1\charscalex100 {dari kebutuhan atas akad ini. Kedua belah pihak, yaitu p
enjual }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {dan pembe
li bisa sama-sama mendapatkan keuntungan dan }\par\pard\li640\ri0\sl-280\slmult
0 \fs24\cf0\f1\charscalex100 {manfaat dengan menggunakan akad salam.}\par\pard\l
i1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs24\cf0\
f1\charscalex100 {Pembeli (biasanya) mendapatkan keuntungan berupa:}\par\pard\li
640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-373\slmult0 \fs24\cf0\f2\
charscalex100 {\uc1\u61623X}{ }\fs24\cf0\f1\charscalex100 {Jaminan untuk mendapa
tkan barang sesuai dengan yang ia }\par\pard\li813\ri0\sl-266\slmult0 \fs24\cf0\
f1\charscalex100 {butuhkan dan pada waktu yang ia inginkan.}\par\pard\li640\ri0\
sl-306\slmult0 \fs24\cf0\f2\charscalex100 {\uc1\u61623X}{ }\fs24\cf0\f1\charscal
ex100 {Sebagaimana ia juga mendapatkan barang dengan harga }\par\par
d\li813\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {yang lebih murah bila dib
andingkan dengan pembelian pada }\par\pard\li813\ri0\sl-266\slmult0 \fs24\cf0\f1
\charscalex100 {saat ia membutuhkan kepada barang tersebut.}\par\pard\li1000\ri0
\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22\cf0\f1\charsc
alex100 {Sedangkan penjual juga mendapatkan keuntungan yang }\par\pard
\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {tidak kalah besar dibandin
g pembeli, diantaranya:}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li
640\ri0\sl-373\slmult0 \fs24\cf0\f2\charscalex100 {\uc1\u61623X}{ }\fs24\cf0\f1\
harga yang
disepakati pula, namun uangnya langsung }\par\pard\li64
0\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {dibayarkan. Dengan uang pembaya
ran yang sudah diserahkan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\chars
calex100 {itulah di pedagang bisa membeli barang yang diinginkan,
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {tentunya dia men
dapatkan dengan harga di bawah dari harga }\par\pard\li640\ri0\sl-266\slmult0 \f
s24\cf0\f1\charscalex100 {jual.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\pa
r\pard\li1000\ri0\sl-346\slmult0 \fs22\cf0\f1\charscalex100 {Cara ini halal
dan berbeda dengan keharaman menjual }\par\pard\li640\ri0\sl-266\slmul
t0 \fs22\cf0\f1\charscalex100 {barang yang belum menjadi milik dengan
beberapa alasan. }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex
100 {Antara lain misalnya :}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li640\ri0\sl-373\slmult0 \*\tx1000\fs22\cf0\f2\charscalex100 {\uc1\u61623X}\ta
b \fs22\cf0\f1\charscalex100 {Menjual barang yang bukan miliknya itu
haram karena }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100
{boleh jadi barang yang bukan miliknya itu sudah }\par\pard\li1000
\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {diserahkan kepada pembeli. Berbe
da dengan salam yang }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscale
x100 {barangnya memang belum diserahkan dan menjadi hutang }\par\pard\li1000\ri0
\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {bagi si penjual.}\par\pard\li640\ri0
\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-373\slmult0 \*\tx1000\fs22\cf0\f
2\charscalex100 {\uc1\u61623X}\tab \fs22\cf0\f1\charscalex100 {Menjual barang
yang belum menjadi milik itu haram }\par\pard\li1000\ri0\sl-266\slmu
lt0 \fs22\cf0\f1\charscalex100 {lantaran tidak ada jaminan bagi si p
enjual untuk bisa }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscal
ex100 {mendapatkan barang itu untuk diserahkan kepada }\par\pard\li100
0\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {pembelinya.{\field{\*\fldinst{H
YPERLINK "#54"}}{\fldrslt { }}}}\fs14\cf0\f1\charscalex100 {{\field{\*\fldinst{H
YPERLINK "#54"}}{\fldrslt {17}}}}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\pa
r\pard\li640\ri0\sl-320\slmult0 \fs12\cf0\f0\charscalex100 {17}{ }\fs16\cf0\f0\c
harscalex100 {Misalnya, A penjual dan B pembeli. A menjual mobil yang masih mili
k C kepada B }\par\pard\li640\ri0\sl-213\slmult0 \fs16\cf0\f0\charscalex100 {den
gan harga tertentu. Padahal A sama sekali tidak bisa memastikan apakah C mau }\p
ar\pard\li640\ri0\sl-200\slmult0 \fs16\cf0\f0\charscalex100 {menjual mobilnya ke
A untuk dijual lagi ke C. Maka akad ini adalah akad haram. Namun }\par\pard\li6
40\ri0\sl-213\slmult0 \fs16\cf0\f0\charscalex100 {bila A sudah padat kepastian b
ahwa C rela menjual mobilnya kepada A asalkan dibayar }\par\pard\li640\ri0\sl-20
0\slmult0 \fs16\cf0\f0\charscalex100 {tunai dengan harga yang disepakati, maka A
pada dasarnya sudah boleh menjual mobil }\par\pard\li640\ri0\sl-213\slmult0 \fs
18\cf0\par\pard\li640\ri0\sl-386\slmult0 \fs24\cf0\f0\charscalex100 {54}\par\par
d\sect\sectd\sbkpage
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\uc1\u1605X\uc1\u1604XRRR\uc1\u1587X\uc1\u1605X}\fs24\cf0\f1\charscalex100 {),
sedangkan }\par\pard\li640\ri0\sl-293\slmult0 \fs24\cf0\f1\charscalex100 {pembe
li sering disebut }\fs20\cf0\f0\charscalex100\i {musal am ilaihi}\i0 \fs2
4\cf0\f1\charscalex100 { (}\fs12\cf0\f0\charscalex100 {\uc1\u1607XRRRR\uc1\u161
0X\uc1\u1604X\uc1\u1573X \uc1\u1605X\uc1\u1604XRRRR\uc1\u1587X\uc1\u1605X}\fs24\
cf0\f1\charscalex100 {). Tanpa }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f
1\charscalex100 {keberadaan keduanya, maka salah satu rukun salam
tidak }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {terpenuhi,
sehingga akad itu menjadi tidak sah.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\
cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Pada masing
-masing harus terdapat syarat, yaitu syarat }\par\pard\li640\ri0\sl-26
6\slmult0 \fs22\cf0\f0\charscalex100\i {ahliyah}\i0 \fs24\cf0\f1\charscalex100 {
atau syarat }\fs22\cf0\f0\charscalex100\i {wilayah}\i0 \fs24\cf0\f1\charscalex1
00 {. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\sl
mult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\s
l-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6
40\ri0\sl-346\slmult0 \fs12\cf0\f0\charscalex100 {19}{ }\fs16\cf0\f0\charscalex1
00 {Misalnya lafadz : }\fs16\cf0\f0\charscalex100\i {A'thaituka salaman}\i0 \fs1
6\cf0\f0\charscalex100 { (aku serahkan kepadamu secara salam)}\par\pard\li640\ri
0\sl-226\slmult0 \fs12\cf0\f0\charscalex100 {20}{ }\fs16\cf0\f0\charscalex100 {L
ihat kitab Al-Badai' jilid 5 halaman 201dan Kitab Al-Muhadzdzab jilid 3 halaman
104}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-386\slmul
t0 \fs24\cf0\f0\charscalex100 {56}\par\pard\sect\sectd\sbkpage
{\shp{\*\shpinst\shpleft1293\shptop9893\shpright2746\shpbottom9893\shpfhdr0\shpw
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{\sp{\sn fLayoutInCell}{\sv 1}}}}\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133
\margtsxn666\margbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex10
0\i {Fiqih Thaharah}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\l
i1000\ri0\sl-453\slmult0 \fs24\cf0\f0\charscalex100\b {Syarat ahliyah}\b0 \fs2
4\cf0\f1\charscalex100 { maksudnya mereka masing-masing itu }\par\pard\li
640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {adalah pemilik orang ya
ng beragama Islam, aqil, baligh, }\par\pard\li640\ri0\sl-266\slmult0 \fs
24\cf0\f1\charscalex100 {rasyi{\field{\*\fldinst{HYPERLINK "#57"}}{\fldrslt {d}}
}}\fs14\cf0\f1\charscalex100 {{\field{\*\fldinst{HYPERLINK "#57"}}{\fldrslt {21}
}}}{\sub \fs24\cf0\f1\charscalex100 {{\field{\*\fldinst{HYPERLINK "#57"}}{\fldrs
lt {.}}} }}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl333\slmult0 \fs24\cf0\f1\charscalex100 {Sedangkan }\fs24\cf0\f0\charscalex100\b
{syarat wilayah}\b0 \fs24\cf0\f1\charscalex100 {, maksudnya masing-masing
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {menjadi wali
yang mewakili pemilik aslinya dari uang atau }\par\pard\li640\ri0\
sl-280\slmult0 \fs22\cf0\f1\charscalex100 {barang, dengan penujukan yang sah dan
berkekuatan hukum }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex10
0 {sama.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\
\fs18\cf0\par\pard\li640\ri0\sl-386\slmult0 \*\tx1000\fs22\cf0\f2\charscalex100
{\uc1\u61623X}\tab \fs22\cf0\f1\charscalex100 {Al-Karkhi dari Al-Hanafiyah menye
butkan minimal jatuh }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscale
x100 {tempo yang disepakati adalah setengah hari dan tidak }\par\p
ard\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {boleh kurang dari itu.
}\par\pard\li640\ri0\sl-306\slmult0 \*\tx1000\fs22\cf0\f2\charscalex100 {\uc1\u
61623X}\tab \fs22\cf0\f1\charscalex100 {Ibnu Abil Hakam mengatakan tidak mengapa
bila jaraknya }\par\pard\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {
1 hari. }\par\pard\li640\ri0\sl-306\slmult0 \*\tx1000\fs22\cf0\f2\charscalex100
{\uc1\u61623X}\tab \fs22\cf0\f1\charscalex100 {Ibnu Wahab meriwayatkan dar
i Malik bahwa
minimal }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\
charscalex100 {jarak penyerahan barang adalah 2 atau 3 hari sejak akad }\par\par
d\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {dilakukan. }\par\pard\li
640\ri0\sl-306\slmult0 \*\tx1000\fs22\cf0\f2\charscalex100 {\uc1\u61623X}\tab \f
s22\cf0\f1\charscalex100 {Ulama lain menyebutkan minimal batasnya adalah 3 hari,
}\par\pard\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {sebagai qiyas
dari hukum khiyar syarat. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard
\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {6.2.4. Jelas Waktu Penye
rahannya}\b0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\s
l-346\slmult0 \fs22\cf0\f1\charscalex100 {Harus ditetapkan di saat akad
dilakukan tentang waktu }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\c
harscalex100 {(jatuh tempo) penyerahan barang. Hal ini berdasarkan sabda }\par\p
ard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Rasulullah SAW :}\par\p
ard\li4146\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4146\ri0\sl-546\slmult0 \fs24
\cf0\f0\charscalex100 {\uc1\u1607X\uc1\u1610X\uc1\u1604X\uc1\u1593X \uc1\u1602X\
uc1\u1601X\uc1\u1578X\uc1\u1605X . G\uc1\u1605X\uc1\u1608XJ\uc1\u1604X\uc1\u1593
X\uc1\u1605X G\uc1\u1604X\uc1\u1580X}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0
\fs18\cf0\par\pard\li640\ri0\sl-413\slmult0 \fs12\cf0\f0\charscalex100 {23}{ }\f
s14\cf0\f0\charscalex100 {Lihat Al-Mausu'ah Al-Fiqhiyah Al-Kuwaitiyah jilid 25 h
alaman 213-214}\par\pard\li6186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6186\ri0
\sl-386\slmult0 \fs24\cf0\f0\charscalex100 {61}\par\pard\sect\sectd\sbkpage\pgws
xn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\pard\li5400\r
i0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li6
40\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-453\slmult0 \fs22\cf0\f0\c
harscalex100\i {Hingga waktu (jatuh tempo) yang telah diketahui (oleh kedua bela
h }\i0 \par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f0\charscalex100\i {pihak) p
ula." }\i0 \fs24\cf0\f1\charscalex100 {(Muttafaqun 'alaih)}\par\pard\li1000\ri0\
sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs20\cf0\f1\charsca
lex100 {Para fuqaha sepakat bila dalam suatu akad salam tidak }\
par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {ditetapkan waktu j
atuh temponya, maka akad itu batal dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22
\cf0\f1\charscalex100 {tidak sah. Dan ketidak-jelasan kapan jatuh tempo penyerah
an }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {barang itu
akan membawa kedua-belah pihak ke dalam }\par\pard\li640\ri0\sl-266\
slmult0 \fs24\cf0\f1\charscalex100 {pertengkaran dan penzaliman atas sesama.}\pa
r\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \f
s22\cf0\f1\charscalex100 {Jatuh tempo bisa ditetapkan dengan tanggal, bulan, ata
u }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {tahun tertentu
, atau dengan jumlah hari atau minggu atau }\par\pard\li640\ri0\sl-280\slmult0
\fs24\cf0\f1\charscalex100 {bulan terhitung sejak disepakatinya akad salam itu.
}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0
\fs24\cf0\f0\charscalex100\b {6.2.5. Dimungkinkan Untuk Diserahkan Pada Saatnya}
\b0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slm
ult0 \fs22\cf0\f1\charscalex100 {Pada saat menjalankan akad salam, ked
ua belah pihak }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex10
0 {diwajibkan untuk memperhitungkan ketersedian barang pada }\par\pard\li640\ri0
\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {saat jatuh tempo. Persyaratan ini de
mi menghindarkan akad }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscale
x100 {salam dari praktek tipu-menipu dan untung-untungan, yang }\par\pard\li640\
0\charscalex100 {76}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn
666\margrsxn133\margtsxn666\margbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\
f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li1000\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {Syirkah sem
acam ini juga dibolehkan menurut kalangan }\par\pard\li640\ri0\sl-280\slmult0
\fs22\cf0\f1\charscalex100 {Hanafiyah dan Hanabilah, namun tidak sah menurut ka
langan }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Malikiyah
dan Syafi'iyah.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0
\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {3.2.4. Syirkatul Mufawadhah}\b0 \p
ar\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \
fs22\cf0\f1\charscalex100 {Syirkah ini adalah kerjasama dimana masing-masing pih
ak }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {yang berali
ansi memiliki modal, usaha dan hutang piutang }\par\pard\li640\ri0\s
l-266\slmult0 \fs22\cf0\f1\charscalex100 {yang sama, dari mulai berjalannya kerj
a sama hingga akhir. }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex
100 {Kerja sama ini mengandung unsur penjaminan dan hak-hak }\par\pard\li640\ri0
\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {yang sama dalam modal, usaha dan hut
ang. }\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\s
lmult0 \fs22\cf0\f1\charscalex100 {Kerja sama ini juga dibolehkan menurut mayori
tas ulama, }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {namun
dilarang oleh Asy-Syafi'i. Kemungkinan yang ditolak }\par\pard\li640\ri0\sl-266
\slmult0 \fs22\cf0\f1\charscalex100 {oleh beliau adalah bentuk aplikasi
lain dari Syirkatul }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\chars
calex100 {Mufawadhah, yakni ketika dua orang melakukan perjanjian }\
par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {untuk bersekutu
dalam memiliki segala keuntungan dan }\par\pard\li640\ri0\sl-266\slmul
t0 \fs24\cf0\f1\charscalex100 {kerugian, baik karena harta atau karena sebab lai
nnya.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slm
ult0 \fs24\cf0\f0\charscalex100\b {4. Syirkatu Inan}\b0 \par\pard\li1000\ri0\sl213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex
100 {Syirkatu Inan adalah kerja sama dua pihak atau lebih }\par\
pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {dengan modal mereka be
rsama, untuk berusaha bersama dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\
f1\charscalex100 {membagi keun-tungan bersama. Jadi merupakan persukutan }\par\p
ard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {dalam modal, usaha dan
keuntungan.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl
-333\slmult0 \fs22\cf0\f1\charscalex100 {Syirkah semacam ini dibolehkan
berdasarkan ijma'. }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex
100 {Kalaupun ada perbedaan, hanya dalam beberapa bentuk }\par\pard\
li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {rincian dan satuannya.}\par
\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24
\cf0\f0\charscalex100\b {4.1. Rukun Syirkatu Inan}\b0 \par\pard\li1000\ri0\sl-21
3\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f0\charscalex10
0\b {Rukun syirkatu inan adalah [1] adanya dua pihak, [2] }\b0 \par\pard\li640\r
i0\sl-280\slmult0 \fs24\cf0\f0\charscalex100\b {adanya objek transaksi, dan [3]
adanya pelafalan akad.}\b0 \par\pard\li6186\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li6186\ri0\sl-426\slmult0 \fs24\cf0\f0\charscalex100 {77}\par\pard\sect\sectd\
sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\c
ols2\colno1\colw5400\colsr-0\colno2\colw2200\pard\li640\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-466\slmul
t0 \fs24\cf0\f0\charscalex100\b {4.1.1. Dua Pihak}\b0 \par\column\pard\li0\ri0\s
l-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\sect\se
ctd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\li1000\ri0\sl-21
3\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs24\cf0\f1\charscalex10
0 {Dua pihak yang menjadi transaktor. Keduanya harus }\par\pard\li64
0\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {memiliki kompetensi, yakni akil
baligh dan mampu membuat }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\chars
calex100 {pilihan. }\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li100
0\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Boleh saja seorang muslim beral
iansi dengan non-muslim }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charsca
lex100 {dengan catatan pihak non-muslim itu tidak boleh mengurus }\par\pard\li64
0\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {modal sendirian, karena d
ikhawatirkan akan memasuki }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\
charscalex100 {lubang-lubang bisnis yang diharamkan. }\par\pard\li1000\ri0\sl-21
3\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex10
0 {Kalau segala aktivitas non-muslim itu selalu dipantau oleh }\par\pard\li640\r
i0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {pihak muslim, tidak menjadi masala
h. Dan persoalannya akan }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charsc
alex100 {lebih bebas dan terbuka bila beraliansi dengan sesama muslim.}\par\pard
\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\
f0\charscalex100\b {4.1.2. Objek Transaksi. }\b0 \par\pard\li1000\ri0\sl-213\slm
ult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Ob
jek transaksi ini meliputi [1] modal, [2] usaha dan [3] }\par\pard\li640\ri0\sl280\slmult0 \fs24\cf0\f1\charscalex100 {keuntungan.}\par\pard\li640\ri0\sl-213\s
lmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b
{4.1.2.1. Modal}\b0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li100
0\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {Disyaratkan dalam modal t
ersebut }\fs24\cf0\f0\charscalex100\b {harus diketahui}\b0 \fs24\cf0\f1\chars
calex100 {. }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Kala
u tidak diketahui jumlahnya, hanya spekulatif, tentu }\par\pard\li64
0\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {hukumnya tidaklah sah. Ka
rena modal itu akan menjadi }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf
0\f1\charscalex100 {rujukan ketika aliansi dibubarkan. Dan hal tidak
mungkin }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {dilak
ukan tanpa mengetahui jumlah modal.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li1000\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {Selain itu moda
l }\fs24\cf0\f0\charscalex100\b {harus real}\b0 \fs24\cf0\f1\charscalex100 {, ya
itu modal itu memang ada }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charsc
alex100 {pada saat transaksi pembelian. Karena dengan itulah aliansi ini }\par\p
ard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {bisa terlaksana, sehing
ga eksistensinya dibutuhkan. Kalau saat }\par\pard\li640\ri0\sl-266\slmult0 \fs2
4\cf0\f1\charscalex100 {transaksi tidak ada, maka transaksi dianggap batal.}\par
\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmul
t0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100 {78}\p
ar\pard\sect\sectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\s
ect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\mar
gbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaha
rah}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-453
\slmult0 \fs24\cf0\f1\charscalex100 {Dan tentu saja modal itu }\fs24\cf0\f0\cha
rscalex100\b {bukan berupa hutang}\b0 \fs24\cf0\f1\charscalex100 { pada }\par\
pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {orang yang kesulit
an, demi menghindari terjadinya riba. }\par\pard\li640\ri0\sl-266\slmult
0 \fs22\cf0\f1\charscalex100 {Karena dalam hal ini orang yang berhut
ang bisa tertuduh }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscale
x100 {menangguhkan pembayaran hutangnya agar bertambah }\par\pard\li640\
ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {nilainya. }\par\pard\li1000\ri0\s
l-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22\cf0\f1\charscal
ex100 {Pencampuran modal dan kesamaan jumlahnya bukan }\par\pard\li640
\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {merupakan syarat sahnya be
ntuk syirkah ini. Akan tetapi }\par\pard\li640\ri0\sl-266\slmult0 \fs22\
cf0\f1\charscalex100 {garansi terhadap modal yang hangus hanya bisa
dilakukan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {dala
m aliansi ini dengan adanya pencampuran harta secara }\par\pard\li
640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {hakiki atau secara just
ifikatif. Caranya, masing-masing }\par\pard\li640\ri0\sl-266\slmult0 \fs22\c
f0\f1\charscalex100 {melepaskan modal dari pengelola dan tanggungjawab
nya }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {secara pri
badi untuk dimasukkan dalam pengelolaan dan }\par\pard\li640\ri0\sl-26
6\slmult0 \fs24\cf0\f1\charscalex100 {tanggung jawab bersama.}\par\pard\li640\ri
24\cf0\f0\charscalex100 {89}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\
marglsxn666\margrsxn133\margtsxn666\margbsxn173\pard\li5400\ri0\sl-226\slmult0 \
fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li1000\ri0\sl-213\slmu
lt0 \fs18\cf0\par\pard\li1000\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {Nam
un alasan Syafi"i di sini dibantah dengan alasan lain, }\par\pard\li640\ri0\sl-2
80\slmult0 \fs22\cf0\f1\charscalex100 {bahwa tujuan dari syirkah adalah
memperoleh keuntungan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\chars
calex100 {dengan syirkah tersebut. Tidak hanya didasari dengan modal }\par\pard\
li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {harta, namun juga dibolehka
n dengan modal kerja saja, seperti }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0
\f1\charscalex100 {dalam sistem penanaman saham. Bisa juga dilakukan dengan }\pa
r\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {sistem penja-minan.
Yakni masing-masing menjadi penjamin }\par\pard\li640\ri0\sl-266\slmult0 \fs22\c
f0\f1\charscalex100 {bagi yang lain untuk menerima usaha pasangan
bisnisnya }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {sepert
i menerima usa-hanya sendiri. Masing-masing menjadi }\par\pard\li640\ri0\sl-266\
slmult0 \fs22\cf0\f1\charscalex100 {penjamin dalam setengah usaha dari penjamina
n pihak lain, }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {da
n setengah usaha lain dari hak asli yang dimiliki. Sehingga }\par\pard\li640\ri0
\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {terealisasilah syirkah dari ke
un-tungan yang dihasilkan dari }\par\pard\li640\ri0\sl-266\slmult0 \fs24\c
f0\f1\charscalex100 {usaha tersebut.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\c
f0\par\pard\li1000\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {Rukun-rukun Sy
irkah Usaha}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl
-346\slmult0 \fs22\cf0\f1\charscalex100 {Ada tiga rukun yang dimiliki
oleh Syirkah Abdan, }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsca
lex100 {sebagaimana syirkah jenis lain: Dua transaktor, masing-masing }\par\pard
\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {harus memiliki kompetensi
beraktivitas. Objek transaksi, yakni }\par\pard\li640\ri0\sl-266\slmult0 \fs22\c
f0\f1\charscalex100 {usaha dan keuntungan. Pelafalan akad/perjanjian.
Yakni }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {indika-tor
terhadap adanya keridhaan masing-masing pihak }\par\pard\li640\ri0\sl
-266\slmult0 \fs24\cf0\f1\charscalex100 {terhadap perjanjian, dengan serah terim
a.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmu
lt0 \fs24\cf0\f1\charscalex100 {Demikianlah, telah dijelaskan banyak hukum-hukum
ten-}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {tang rukunrukun ini ketika kita membahas Syirkatul "Inan. }\par\pard\li640\ri0\sl-280\slmu
lt0 \fs22\cf0\f1\charscalex100 {Karena kesemuanya adalah hukum-hukum umum,
sehingga }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {tidak
perlu dibahas ulang dalam kesempatan ini. Kita akan }\par\pard\li640\ri0\sl266\slmult0 \fs22\cf0\f1\charscalex100 {mengulas kembali objek transaksi, karena
ada sebagian hukum }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex1
00 {khusus berkaitan dengan syirkah ini.}\par\pard\li1000\ri0\sl-213\slmult0 \fs
18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs24\cf0\f1\charscalex100 {Pertama: U
saha.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\s
lmult0 \fs24\cf0\f1\charscalex100 {Para ulama berbeda pendapat tentang ditetapka
nnya kesa-}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {tuan
usaha sebagai syarat sahnya kerja sama ini. Kalangan }\par\pard\l
i640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Hana-fiyah dan Hambaliya
h dalam salah satu riwayat }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li640\ri0\sl-466\slmult0 \fs24\cf0\f0\charscalex100 {90}\par\pard\sect
\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbs
xn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah
}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-453\slmu
lt0 \fs24\cf0\f1\charscalex100 {pendapat mereka berpendapat bahwa kesatuan usaha
itu tidak }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {disya
riatkan. Karena tujuan dari syirkah tersebut adalah }\par\pard\li640
\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {memperoleh keuntungan. Tak ada b
edanya antara keuntungan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {dari satu jenis usaha atau dari beberapa jenis usaha. Tidak ada }\par\p
\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0
\fs22\cf0\f1\charscalex100 {Syirkatul Mufawadhah adalah sebuah syirkah
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {komprehensif yan
g dalam syirkah itu semua anggoga sepakat }\par\pard\li640\ri0\sl-280\slmult0 \f
s22\cf0\f1\charscalex100 {melakukan aliansi dalam semua jenis kerja sama, sepert
i "inan, }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {abdan
dan wujuh. Di mana masing-masing menyerahkan }\par\pard\li640\ri0\sl266\slmult0 \fs22\cf0\f1\charscalex100 {kepada pihak lain hak untuk mengoperasik
an segala aktivitas }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex1
00 {yang menjadi komitmen kerja sama tersebut, seperti jual beli, }\par\pard\li6
40\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {penjaminan, penggadaian, s
ewa menyewa, menerima tenaga }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0
\f1\charscalex100 {kerja, dan sejenisnya.}\par\pard\li1000\ri0\sl-213\slmult0 \f
s18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Namun ti
dak termasuk dalam syirkah ini berbagai hasil }\par\pard\li640\ri0\sl-266\sl
mult0 \fs22\cf0\f1\charscalex100 {sampingan yang didapatkannya, seperti
barang temuan, }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100
{warisan dan sejenisnya. Dan juga masing-masing tidak }\par\pard\li6
40\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {menanggung ber-bagai bentu
k denda, seperti mengganti }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f
1\charscalex100 {barang yang dirampas, ganti rugi syirkah , mengganti barang-}\p
ar\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {barang yang dirusak
dan sejenisnya.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\r
i0\sl-346\slmult0 \fs24\cf0\f1\charscalex100 {Alasan Penamaan Itu}\par\pard\li10
00\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\
charscalex100 {Para Ahli Fiqih berbeda pendapat tentang alasan mengapa }\par\par
d\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {dinamakan syirkah ini den
gan Syirkah Mufawadah.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li
1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Ada pendapat bahwa itu diamb
il dari kata tafwied yang }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\chars
calex100 {artinya penyerahan. Karena masing-masing menyerahkan }\par\par
d\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {kepada mitranya untuk mel
akukan operasional seluruh modal }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f
1\charscalex100 {dagang-nya. Ada juga yang berpendapat bahwa itu d
iambil }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {dari kata
istifadhah yang artinya menyebar. Karena syirkah ini }\par\pard\li640\ri0\sl-28
0\slmult0 \fs22\cf0\f1\charscalex100 {ditegakkan di atas dasar penyebara
n dan ekspos seluruh }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\char
scalex100 {aktivitas.}\par\pard\li6186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6
186\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6186\ri0\sl-213\slmult0 \fs18\cf0\pa
r\pard\li6186\ri0\sl-293\slmult0 \fs24\cf0\f0\charscalex100 {97}\par\pard\sect\s
ectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn
173\pard\li5400\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}
\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-453\slm
ult0 \fs24\cf0\f1\charscalex100 {Sementara kalangan Hanafiyah menyatakan
bahwa arti }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {Mu
fawadhah adalah penyamaan. Oleh sebab itu syarat sahnya }\par\pard\li640\ri0\sl266\slmult0 \fs22\cf0\f1\charscalex100 {ker-ja sama ini adalah adanya kesamaan m
odal, aktivitas dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex1
00 {hutang piutang. Namun pendapat ini lemah. Yang tepat }\par\par
d\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {adalah yang pertama.}\par
\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs
24\cf0\f1\charscalex100 {Disyariatkannya Syirkah Ini}\par\pard\li1000\ri0\sl-213
\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100
{Para ulama kembali berbeda pendapat tentang hukum }\par\pard\li640
\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {syirkah ini: Kalangan Hanafiyah,
Malikiyah dan Hamba-liyah }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\char
scalex100 {membolehkannya. Sedangkan Imam Syafi\uc1\u8217Xi 5 mela-rangnya.}\par
\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs
24\cf0\f1\charscalex100 {Alasan pendapat mayoritas ulama adalah sebagai berikut:
}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult
0 \fs22\cf0\f1\charscalex100 {* Karena syirkah ini menggabungkan beber
apa macam }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {bent
uk syirkah yang masing-masing dari syirkah itu }\par\pard\li640\ri0\
sl-266\slmult0 \fs22\cf0\f1\charscalex100 {dibolehkan secara terpisah, mak
a demikian pula hukumnya }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\
charscalex100 {bila dikombi-nasikan.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\c
f0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {* Karena masya
rakat di berbagai tempat dan masa telah }\par\pard\li640\ri0\sl-266\slmult0 \fs2
2\cf0\f1\charscalex100 {terbiasa melakukan bentuk syirkah semacam ini tanpa ada
pula }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {ulama yang
menyalahkannya.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri
0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard
\li1000\ri0\sl-466\slmult0 \fs22\cf0\f1\charscalex100 {Sementara alasan Imam Sya
fi\uc1\u8217Xi melarangnya adalah sebagai }\par\pard\li640\ri0\sl-266\slmult0 \f
s22\cf0\f1\charscalex100 {berikut: Karena syirkah ini sebentuk perjanj
ian usaha yang }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex10
0 {me-ngandung penjaminan terhadap jenis hal yang tidak }\par\pard\l
i640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {diketahui, dan juga ja
minan terhadap sesuatu yang tidak }\par\pard\li640\ri0\sl-266\slmult0 \f
s22\cf0\f1\charscalex100 {diketahui. Keduanya sama-sama rusak secara terpisah, a
palagi }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {bila diga
bungkan.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-33
3\slmult0 \fs22\cf0\f1\charscalex100 {Dalil yang dikemukakan Imam Syafi"i ini di
bantah bahwa }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {hal
yang tidak diketahui itu dimaafkan karena timbul sebagai }\par\pard\li640\ri0\s
l-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-426\slmult0 \fs24\cf0\f0\charscale
x100 {98}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsx
n133\margtsxn666\margbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscal
ex100\i {Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li640\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {konsekuensi. Sebuah aktiv
itas terkadang sah bila merupakan }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\
f1\charscalex100 {konsekuensi, tetapi tidak sah bila merupakan tujuan, seperti }
\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {hal-nya syirkah
"inan dan penanam modal. Masing-masing }\par\pard\li640\ri0\sl-266\sl
mult0 \fs22\cf0\f1\charscalex100 {syirkah itu juga mengandung unsur pe
njaminan terhadap }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex1
00 {dalam pembelian sesuatu yang tidak diketahui, namun }\par\pard\l
i640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {keduanya dibolehkan ber-dasa
rkan kesepakatan para ulama.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\p
ard\li1000\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {Syarat-syarat Syirkah
Mufawadhah}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl333\slmult0 \fs22\cf0\f1\charscalex100 {Kalangan Hambaliyah menetapkan syarat sa
hnya syirkah }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {ini
bahwa tidak boleh dimasukkan ke dalamnya berbagai hasil }\par\pard\li640\ri0\sl
-280\slmult0 \fs22\cf0\f1\charscalex100 {sam-pingan dan denda-denda. Kalau
keduanya dimasukkan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {dalam perjanjian, syirkah itu batal, karena ada unsur }\p
ar\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {manipulasi. Karen
a masing-masing akan menanggung }\par\pard\li640\ri0\sl-266\slmult0 \fs22\
cf0\f1\charscalex100 {kewajiban yang lain. Bisa jadi ia akan menanggung sesua
tu }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {yang tidak
mampu ia lakukan, apa-lagi itu merupakan }\par\pard\li640\ri0\sl-266
\slmult0 \fs22\cf0\f1\charscalex100 {perjanjian yang tidak ada contoh yang menye
-rupainya dalam }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {
ajaran syariat.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri
0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Sementara kalangan Hanafiyah
memberikan syarat bagi }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\char
scalex100 {sahnya syirkah ini sebagai berikut:}\par\pard\li1000\ri0\sl-213\slmul
t0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {1. K
u1587X\uc1\u1575X\uc1\u1576X\uc1\u1593X\uc1\u1604X\uc1\u1575X }\par\pard\li840\r
i0\sl-480\slmult0 \fs32\cf0\f0\charscalex100 {\uc1\u1603XJ\uc1\u1604X\uc1\u1587X
\uc1\u1610X }\par\pard\li720\ri0\sl-480\slmult0 \fs32\cf0\f0\charscalex100 {\uc1
\u1608X\uc1\u1607X}\par\pard\li2666\ri0\sl-480\slmult0 \fs32\cf0\f0\charscalex10
0 { \uc1\u1607X\uc1\u1586X\uc1\u1575X\uc1\u1580X}\par\pard\li640\ri0\sl-400\slmu
lt0 \fs12\cf0\f0\charscalex100 {39}\fs12\cf0\f0\charscalex100 { Ad-Durr Al-Mukht
ar jilid 4 halaman 483}\par\pard\li6066\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li
6066\ri0\sl-386\slmult0 \fs24\cf0\f0\charscalex100 {103}\par\pard\sect\sectd\sbk
page\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\pard
\li5400\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par
\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-453\slmult0 \fs24
\cf0\f0\charscalex100\i {Dari Ibnu Abbas RA bahwa Al-Abbas bin Abdil Mutthalib R
A }\i0 \par\pard\li640\ri0\sl-280\slmult0 \fs16\cf0\f0\charscalex100\i {bila
menyerahkan harta secara mudharabah mensyaratkan kepada }\i0 \par\par
d\li640\ri0\sl-266\slmult0 \fs16\cf0\f0\charscalex100\i {rekannya untuk tida
k membawa harta itu melewati laut, atau }\i0 \par\pard\li640\ri0\sl
-266\slmult0 \fs20\cf0\f0\charscalex100\i {menuruni lembah dan tidak membelanjak
an hewan yang punya hati }\i0 \par\pard\li640\ri0\sl-266\slmult0 \fs20\cf0\f0\ch
arscalex100\i {kering. Dia rekannya menyetujui syarat itu maka dia menjaminnya.
}\i0 \par\pard\li640\ri0\sl-280\slmult0 \fs20\cf0\f0\charscalex100\i {Maka dian
gkatlah syarat itu kepada Rasulul ah SAW dan beliau }\i0 \par\pard\li640\ri0\sl
-266\slmult0 \fs22\cf0\f0\charscalex100\i {SAW membolehkannya }\i0 \fs24\cf0\f1\
charscalex100 {(HR. Al-Baihaqi)}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {2.3. Ijma'}\b0 \par
\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs
22\cf0\f1\charscalex100 {Kebolehan akad mudharabat ini dikuatkan dengan ijma', }
\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {dimana diriwaya
tkan bahwa banyak diantara para shahabat }\par\pard\li640\ri0\sl-266\s
lmult0 \fs22\cf0\f1\charscalex100 {Nabi SAW menyerahkan harta anak yat
im dalam bentuk }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex1
00 {mudharabah. }\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\r
i0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Di antara mereka adalah Umar bin A
l-Khattab, Utsman }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100
{bin Al-Affan, Ali bin Abi Thalib, Abdullah bin Mas'ud, }\par\p
ard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Abdullah bin Umar,
Ubaidillah bin Umar, serta Aisyah }\par\pard\li640\ri0\sl-266\slmult0
\fs18\cf0\f0\charscalex100\i {ridhwanul ahi alaihim}\i0 \fs24\cf0\f1\charscale
x100 {. Dan tidak ada satu pun riwayat yang }\par\pard\li640\ri0\s
l-266\slmult0 \fs24\cf0\f1\charscalex100 {mengingkari adanya hal itu. }\par\pard
\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22\cf
0\f1\charscalex100 {Kaum muslimin sudah terbiasa melakukan akad kerj
a }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {sama semacam
itu hingga zaman ini di berbagai masa dan }\par\pard\li640\ri0\sl-266\slmul
t0 \fs22\cf0\f1\charscalex100 {tempat tanpa ada ulama yang menyalahkannya. Ini m
erupakan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {konsens
us yang diyakini umat, karena cara ini sudah }\par\pard\li640\ri0\
sl-280\slmult0 \fs22\cf0\f1\charscalex100 {digunakan bangsa Quraisy secara turun
temurun dari jaman }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex1
00 {jahiliyah hingga zaman Nabi SAW.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {3. Hikmah Disy
ariatkan Mudharabah}\b0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\l
i1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Islam mensyariatkan akad ke
rja sama mudharabah untuk }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\chars
calex100 {memudahkan orang, karena sebagian mereka memiliki harta }\par\pard\li6
40\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {namun tidak mampu mengelolanya
dan disana ada juga orang }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li640\ri0\sl-293\slmult0 \fs24\cf0\f0\charscalex100 {104}\par\pard\sec
t\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margb
sxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thahara
ex100 {agar dia mendapatkan bagian dari hasil tanamannya. Misalnya }\par\pard\li
640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {sepertiga, seperdua atau lebi
h banyak atau lebiih sedikit dari }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\
f1\charscalex100 {itu.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6
40\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {B. Dasar Pensyari'atan}\b0 \
par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0
\fs22\cf0\f1\charscalex100 {Muzara'ah adalah salah satu bentuk ta'awun(kerja sam
a) }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {antar petani
( buruh tani) dan pemilik sawah. Serigkali kali ada }\par\pard\li640\ri0\sl-266\
slmult0 \fs22\cf0\f1\charscalex100 {orang yang ahli dalam masalah pertanian teta
pi dia tidak punya }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex10
0 {lahan, dan sebaliknya banyak orang yang punya lahan tetapi }\par\pard\li640\r
i0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {tidak mampu menanaminya. Mak
a Islam mensyari'atkan }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\char
scalex100 {muzara'ah sebagai jalan tengah bagi keduanya.}\par\pard\li1000\ri0\sl
-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscale
x100 {Itulah yang telah dicontohkan oleh Rasulullah dan }\par\pard\l
i640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {mentradisi di tengah p
ara sahabat dan kaum muslimin }\par\pard\li640\ri0\sl-266\slmult0 \fs22\
cf0\f1\charscalex100 {setelahnya. Ibnu 'abbas mencerikana bahwa Rasululah saw
}\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {bekerja sama
(muzaraah) dengan penduduk Khaibar untuk }\par\pard\li640\ri0\sl-266\sl
mult0 \fs22\cf0\f1\charscalex100 {berbagi hasil atas panenan, makanan
dan buah-buahan. }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex10
0 {Bahkan Muhammad Albakir bin Ali bin Al-Husain }\par\pard\li640\ri
0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {mengatakan bahwa tidak ada
seorang muhajirin yang }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\char
scalex100 {berpindah ke Madinah kecuali mereka bersepakat untuk }\pa
r\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {membagi hasil pertan
ian sepertiga atau seperempat.}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Para sahabat yan
g tercatat melakukan muzara'ah antara }\par\pard\li640\ri0\sl-266\slmult
0 \fs22\cf0\f1\charscalex100 {lain adalah Ali bin Abi Thalib, Sa'ad bin Malik, A
bdullah bin }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {Mas'
ud dan yang lainnya. Bahkan Umar bin Abdul Aziz pun }\par\pard\li640\ri0\sl-266\
slmult0 \fs22\cf0\f1\charscalex100 {yang hidup di masa berikutnya memiliki pema
sukan dari bagi }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {
hasil.}\par\pard\li6066\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6066\ri0\sl-213\
slmult0 \fs18\cf0\par\pard\li6066\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6066\r
i0\sl-306\slmult0 \fs24\cf0\f0\charscalex100 {117}\par\pard\sect\sectd\sbkpage\p
gwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\cols2\coln
o1\colw5400\colsr-0\colno2\colw2200\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\
pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-466\slmult0 \fs24\
cf0\f0\charscalex100\b {C. Pendapat Yang Melarang}\b0 \par\column\pard\li0\ri0\s
l-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\sect\se
ctd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\li1000\ri0\sl-21
3\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs24\cf0\f1\charscalex10
0 {Dan telah datang satu masalah dalam hal ini, yaitu }\par\pard
\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {munculnya hadis tentan
g muzara'ah dari Rafi' bin Khudaij }\par\pard\li640\ri0\sl-266\slmult0
\fs22\cf0\f1\charscalex100 {yang mengatakan bahwa Rasulullah SAW tela
h melarang }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {dil
akukannya muzara'ah setelah sebelumnya ia }\par\pard\li640\ri0\sl-280\sl
mult0 \fs22\cf0\f1\charscalex100 {memperbolehkannya, dengan dalil hadis
yang menceritakan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex1
00 {bahwa telah datang kepada Rasulullah dua orang yang }\par\pard
\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {berselisih tentang muz
ara'ah yang mereka lakukan hingga }\par\pard\li640\ri0\sl-266\slmult0 \f
s22\cf0\f1\charscalex100 {menjadikan mereka berusaha untuk saling membunuh, maka
}\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {untuk permasa
}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmul
t0 \fs24\cf0\f1\charscalex100 {Berkata penulis kitab Al Mishbah Al Munier (hal.
401),}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\s
lmult0 \fs24\cf0\f1\charscalex100 {\uc1\u8220XAl Arabun dengan difathahkan huruf
\uc1\u8216XAin dan Ra\uc1\u8217Xnya. }\par\pard\li640\ri0\sl-280\slmult0 \fs22\
cf0\f1\charscalex100 {Sebagian ulama menyatakan, yaitu seorang membeli sesuatu }
\par\pard\sect\sectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard
\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\m
argbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Tha
harah}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-453
\slmult0 \fs24\cf0\f1\charscalex100 {atau menyewa sesuatu dan memberikan
sebagian }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {pemb
ayarannya atau uang sewanya kemudian menyatakan, }\par\pard\li640\ri0\
sl-266\slmult0 \fs22\cf0\f1\charscalex100 {\uc1\u8216XApabila transaksi semp
urna maka kita hitung ini sebagai }\par\pard\li640\ri0\sl-266\slmult0
\fs22\cf0\f1\charscalex100 {pembayaran dan bila tidak maka itu untukmu dan aku t
idak }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {meminta k
embali darimu.\uc1\u8217X
Dikatakan Al \uc1\u8216XUrbun dengan }\par
\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {wazan \uc1\u8216XUshf
ur dan Al \uc1\u8216XUrbaan dengan huruf nun asli.}\par\pard\li1000\ri0\sl-213\s
lmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {
Al Ashma\uc1\u8217Xi menyatkan, Al-\uc1\u8217XUrbun adalah kata ajam (non }\par\
pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {arab) yang diarabkan.[
3]}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmu
lt0 \fs24\cf0\f1\charscalex100 {Bentuk jual beli ini dapat diberi gambaran sebag
ai berikut:}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl
-346\slmult0 \fs22\cf0\f1\charscalex100 {Sejumlah uang yang dibayarkan d
imuka oleh seseorang }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {pembeli barang kepada si penjual. Bila transaksi itu mereka }\par\pard\
li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {lanjutkan, maka uang muka i
tu dimasukkan ke dalam harga }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\ch
arscalex100 {pembayaran. Kalau tidak jadi, maka menjadi milik si penjual.}\par\p
ard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-346\slmult0 \fs22
\cf0\f1\charscalex100 {Atau seorang pembeli menyerahkan sejumlah uang
dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {menyatakan,
\uc1\u8220XApabila saya ambil barang tersebut maka ini }\par\pard\
li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {adalah bagian dari ni
lai harga dan bila saya tidak jadi }\par\pard\li640\ri0\sl-266\slmul
t0 \fs22\cf0\f1\charscalex100 {mengambil (barang itu), maka uang (DP)
tersebut }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {untuk
mu.\uc1\u8221X[4]}\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\
ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Atau seorang membeli barang dan m
enyerahkan kepada }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100
{penjualnya satu dirham atau lebih dengan ketentuan apabila si }\par\pard\li640
\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pembeli mengambil barang t
ersebut, maka uang panjar }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1
\charscalex100 {tersebut dihitung pembayaran dan bila gagal maka itu milik }\par
\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {penjual.[5]}\par\pard
\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs22\cf
0\f1\charscalex100 {Jelas disini bahwa sistem jual beli ini dikena
l dalam }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {masyar
akat kita dengan pembayaran DP atau uang jadi. }\par\pard\li640\ri
0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {Wallahu A\uc1\u8217Xlam.}\par\pard\
li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-333\slmult0 \fs24\cf0
\f1\charscalex100 {Hukum Jual Beli Ini}\par\pard\li6066\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li6066\ri0\sl-440\slmult0 \fs24\cf0\f0\charscalex100 {141}\par\par
d\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\
margbsxn173\pard\li5400\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih T
haharah}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl
-453\slmult0 \fs24\cf0\f1\charscalex100 {Dalam permasalahan ini para ula
\par\pard\li4266\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4266\ri0\sl-213\slmult0
\fs18\cf0\par\pard\li4266\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4266\ri0\sl-2
13\slmult0 \fs18\cf0\par\pard\li4266\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li426
6\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4266\ri0\sl-213\slmult0 \fs18\cf0\par\
pard\li4266\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4266\ri0\sl-213\slmult0 \fs1
8\cf0\par\pard\li4266\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4266\ri0\sl-213\sl
mult0 \fs18\cf0\par\pard\li4266\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {P
ertemuan Kesembilan}\par\pard\li3666\ri0\sl-333\slmult0 \fs30\cf0\f0\charscalex1
00\b {Bai` Bits-Tsaman Ajil}\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmul
t0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-2
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ri0\sl-373\slmult0 \fs24\cf0\f1\charscalex100 {Bai` atau jual-beli adalah
akad yang dihalalkan dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f
1\charscalex100 {disyari`atkan Islam. Baik dengan harga tunai atau
dengan }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {kredit.
}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-346\slmult0
\fs24\cf0\f1\charscalex100 {Allah swt berfirman: }\par\pard\li640\ri0\sl-213\slm
ult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs18\cf0\f0\charscalex100\i {A
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arscalex100 {(QS. Al-}\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf1\f1\charscal
ex100 {Baqarah 275). }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex
100 {Namun ada juga jual-beli atau bisnis yang dilarang dalam }\
par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {Islam, diantaranya
sebagaimana disebutkan dalam hadits yang }\par\pard\li640\ri0\sl-266\slmult0 \f
s24\cf0\f1\charscalex100 {diriwayatkan oleh At-Tirmidzi dan an-Nasa`i: }\par\par
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3\slmult0 \fs24\cf0\f0\charscalex100\b {Rasulullah saw. melarang penjualan
dengan dua }\b0 \par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex1
00\b {transaksi pada satu barang` }\b0 \fs24\cf0\f1\charscalex100 {. }\par\pard\
li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f
1\charscalex100 {Terkait dengan hadits ini para ulama berselisih d
alam }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {penafsirann
ya, menjadi lima pendapat: }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {1. Bentuk Pertama }\b0
\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-346\slmult0 \
fs22\cf0\f1\charscalex100 {Transaksi jual-beli antara harga tunai dan
harga kredit }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100
{berbeda. Dan harga kredit lebih tinggi. Seperti, saya jual mobil }\par\pard\li6
40\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {ini tunai 100 juta, atau kredi
t 110 juta. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl333\slmult0 \fs24\cf0\f1\charscalex100 {Transaksi jenis pertama biasa disebut }\
fs24\cf0\f0\charscalex100\b {Bai` Bits-Tsaman Ajil }\b0 \par\pard\li640\ri0\sl-2
80\slmult0 \fs22\cf0\f1\charscalex100 {atau disingkat menjadi BBA dan ini disepa
kati bolehnya oleh }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex10
0 {ulama. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-33
3\slmult0 \fs24\cf0\f0\charscalex100\b {2. Bentuk Kedua}\b0 \par\pard\li640\ri0\
sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscal
ex100 {Sama dengan pendapat pertama, tetapi transaksi itu terjadi
}\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {kemudian berpisa
h tanpa ada kejelasan mana yang diambil. }\par\pard\li640\ri0\sl-266\slmult0 \f
s22\cf0\f1\charscalex100 {Seperti, saya jual mobil ini tunai 100 juta, atau kred
it 110 juta. }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Ked
uanya sepakat tanpa menjelaskan transaksi mana yang }\par\pard\li640
\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {diambil.}\par\pard\li640\ri0\sl280\slmult0 \fs22\cf0\f1\charscalex100 {Para ulama melarang jenis kedua ini, kar
ena ada ketidakjelasan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscal
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\fs24\cf0\f0\charscalex100\b {MLM}\b0 \par\column\pard\li1360\ri0\sl-213\slmult0
\fs18\cf0\par\pard\li1360\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1360\ri0\sl-2
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pard\li1360\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1360\ri0\sl-213\slmult0 \fs1
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li1360\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1360\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li1360\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1360\ri0\sl-213\slmult0
\fs18\cf0\par\pard\li1360\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1360\ri0\sl-3
33\slmult0 \fs24\cf0\f1\charscalex100 {Pertemuan Pertama}\par\pard\li333\ri0\sl333\slmult0 \fs30\cf0\f0\charscalex100\b {Multi Level Marketing}\b0 \par\pard\li
0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li0\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li0\ri0\sl-213\slmult0 \fs18
\cf0\par\pard\li0\ri0\sl-373\slmult0 \fs24\cf0\f1\charscalex100 {Multi Level
Marketing adalah }\par\pard\li0\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100
{sebuah sistem penjualan yang }\par\pard\li0\ri0\sl-266\slmult0 \fs22\cf0
\f1\charscalex100 {belum pernah dikenal sebelumnya }\par\pard\li0\ri0\sl-280\slm
ult0 \fs22\cf0\f1\charscalex100 {di dunia Islam. Leiteratur fiqih }\par\
pard\li0\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {klasik tentu tidak
memuat hal }\par\pard\li0\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {sepe
rti MLM itu. Sebab MLM ini }\par\pard\li0\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {memang sebuah fenomena yang }\par\pard\li0\ri0\sl-280\slmult0 \fs
24\cf0\f1\charscalex100 {baru dalam dunia marketing. }\par\pard\li0\ri0\sl-213\s
lmult0 \fs18\cf0\par\pard\li0\ri0\sl-333\slmult0 \fs22\cf0\f0\charscalex100\b {H
ukum Mengikuiti Bisnis }\b0 \par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11
893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\pard\li5400\ri0\sl-226\slmul
t0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\s
pard\sect\sectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\li64
0\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {penurunan/pengurangan harga
setelah transaksi dan }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\char
scalex100 {pembayaran dilunasi disebut capital gain. }\par\pard\li640\ri0\sl-213
\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-346\slmult0 \fs24\cf0\f0\charscalex100\
b {Letak Keharaman Akad Ini }\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\pa
r\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {a. Gambling}\b0 \p
ar\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs
22\cf0\f1\charscalex100 {Unsur penambahan atau pengurangan inilah sebenarnya yan
g }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {mengandung kar
akter gambling (maysir). Dalam konteks ini, }\par\pard\li640\ri0\sl-280\slmult0
\fs22\cf0\f1\charscalex100 {para ulama memandang bahwa bursa komoditi
seperti ini }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {
sangat erat dengan sebuah perjudian yang haram hukumnya. }\par\pard\li640\ri0\sl
-266\slmult0 \fs22\cf0\f1\charscalex100 {Jelasnya dalam bisnis seperti i
ni, target pembeli adalah }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1
\charscalex100 {melakukan praktek gambling (qimar/maysir) dengan naik
}\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {turunnya harga
barang yang ditentukan oleh pasar. Sebab }\par\pard\li640\ri0\sl-26
6\slmult0 \fs22\cf0\f1\charscalex100 {bukan dengan melihat dan memeriksa terlebi
h dahulu barang }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {
itu. Sehingga baik pembeli maupun penjual sama sekali tidak }\par\pard\li640\ri0
\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pernah melihat langsung barang yang
mereka perjual-belikan. }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charsca
lex100 {Bahkan transaksi itu hanya lewat pembicaraan telepon. }\par\pard\li640\r
i0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\chars
calex100\b {b. Unsur Jahalah}\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\pa
r\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Hal lain yang mem
buat tidak diterimanya bisnis seperti ini }\par\pard\li640\ri0\sl-266\slm
ult0 \fs22\cf0\f1\charscalex100 {oleh syariat adalah bahwa pembeli menjual
kembali barang }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100
{yang belum ia terima kepada pembeli kedua atau orang lain. }\par\pard\li640\ri0
\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Padahal salah satu syarat dari syahn
ya jual-beli adalah adanya }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\char
scalex100 {al-Qabdh, yaitu penerimaan barang dari penjual kepada }\p
ar\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pembeli. Padahal
baik penjual maupun pembeli, keduanya }\par\pard\li640\ri0\sl-280\slmu
lt0 \fs22\cf0\f1\charscalex100 {sama-sama tidak pernah tahu dimanakah
barang itu dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex10
0 {seperti apa rupanya. Bahkan bisa jadi barangnya memang tidak }\par\pard\li640
\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {ada sama sekali, entah karena di
serang hama dan sebagainya. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pa
rd\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li640\ri0\sl-306\slmult0 \fs24\cf0\f0\charscalex100 {178}\par\pard\se
ct\sectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\sect\sectd\
sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\p
ard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \p
ar\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-453\slmult0 \fs
24\cf0\f0\charscalex100\b {Profesi Konsultan Pada Future Trading}\b0 \par\pard\l
i640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-346\slmult0 \fs24\cf0\f1
\charscalex100 {Adapun memberikan jasa konsultasi untuk keperluan Future }\par\p
ard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Trading yang mengandung
unsur praktek haram seperti diatas }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf
0\f1\charscalex100 {termasuk memberikan dukungan untuk suatu kema'siatan atau }\
par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {manivestasi ta'a
wun 'alal itsmi. Maka, penghasilan yang }\par\pard\li640\ri0\sl-280\sl
mult0 \fs24\cf0\f1\charscalex100 {diperoleh dari jasa konsultasi ini hukumnya ad
alah haram. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl
-333\slmult0 \fs20\cf0\f1\charscalex100 {Hal yang hampir mirip terjadi
juga pada bursa saham dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0
h tersebut. }\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\mar
grsxn133\margtsxn666\margbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\char
scalex100\i {Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li640\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {Dana yang diberik
an kepada setiap orang yang tertimpa }\par\pard\li640\ri0\sl-280\slmul
t0 \fs22\cf0\f1\charscalex100 {musibah ini bersumber dari harta orangorang kaya dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex10
0 {membayarkan kewajiban zakatnya sebagai salah satu rukun }\par\par
d\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Islam. Di masyarakat luar
Islam yang tidak mengenal sistem }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\
f1\charscalex100 {zakat, orang-orang berusaha untuk membuat sistem jaminan }\par
\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {sosial, tetapi ti
dak pernah berhasil karena tidak mampu }\par\pard\li640\ri0\sl-266\slm
ult0 \fs22\cf0\f1\charscalex100 {menggerakkan orang kaya membayar sejumlah uang
tertentu }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {kepada
baitulmal sebagaimana di dalam Islam.}\par\pard\li640\ri0\sl-213\slmult0 \fs18\c
f0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Yang tercipta
justru sistem asuransi yang sebenarnya tidak }\par\pard\li640\ri0\s
l-280\slmult0 \fs22\cf0\f1\charscalex100 {bernafaskan bantuan sosial tetap
i usaha bisnis skala besar }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0
\f1\charscalex100 {dengan tujuan untuk mendapatkan keuntungan yang sebesar-}\par
\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {besarnya. Sisi ba
ntuan sosial lebih menjadi lips service }\par\pard\li640\ri0\sl-266\sl
mult0 \fs22\cf0\f1\charscalex100 {(penghias) belaka sementara hakikatnya tidak l
ain merupakan }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {pe
merasan dan kerja rentenir. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pa
rd\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Mekanisme asuransi konve
nsional yang mereka buat ini adalah }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf
0\f1\charscalex100 {sebuah akad yang mengharuskan perusahaan asuransi untuk }\pa
r\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {memberikan kepada pe
sertanya sejumlah harta ketika terjadi }\par\pard\li640\ri0\sl-280\slmult0 \fs22
\cf0\f1\charscalex100 {bencana maupun kecelakaan atau terbuktinya sebuah bahaya
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {sebagaimana te
rtera dalam akad (transaksi), sebagai }\par\pard\li640\ri0\sl-266\slmult
0 \fs22\cf0\f1\charscalex100 {konsekuensi/imbalan uang (premi) yang diba
yarkan secara }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {
rutin dari peserta. Jadi asuransi merupakan salah satu cara }\pa
r\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {pembayaran ganti rug
i kepada pihak yang mengalami musibah, }\par\pard\li640\ri0\sl-266\slmult0 \fs22
\cf0\f1\charscalex100 {yang dananya diambil dari iuran premi seluruh
peserta }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {asura
nsi. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slm
ult0 \fs22\cf0\f1\charscalex100 {Dari segi bentuk transaksi dan praktek ekonomi
syariat Islam, }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {a
suransi konvensional hasil produk non Islam ini }\par\pard\li640\ri0
\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {mengandung sekian banyak cacat syar`
i, antara lain : }\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\
ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {1. Akad asuransi ini adalah akad
gharar karena masing-}\par\pard\li1360\ri0\sl-266\slmult0 \fs22\cf0\f1\charscale
x100 {masing dari kedua belah pihak penanggung dan }\par\pard\li1360
\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {tertanggung pada waktu mel
angsungkan akad tidak }\par\pard\li6066\ri0\sl-213\slmult0 \fs18\cf0\par\par
d\li6066\ri0\sl-466\slmult0 \fs24\cf0\f0\charscalex100 {181}\par\pard\sect\sectd
\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\
pard\li5400\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0
\par\pard\li1360\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1360\ri0\sl-453\slmult0
\fs24\cf0\f1\charscalex100 {mengetahui jumlah yang ia berikan dan jumlah yang }
\par\pard\li1360\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {dia ambil. }\par
\pard\li1000\ri0\sl-280\slmult0 \*\tx1360\fs24\cf0\f0\charscalex100 {2.}\tab \fs
24\cf0\f1\charscalex100 {Akad asuransi ini adalah akad }\fs24\cf0\f0\ch
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}}}}\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn413\pard
\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult
0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li46
00\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs
18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\s
lmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri
0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard
\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li4600\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {Pertemuan Perta
ma}\par\pard\li3680\ri0\sl-333\slmult0 \fs28\cf0\f0\charscalex100\b {Kredit & Ka
rtu Kredit}\b0 \par\pard\li2973\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li2973\ri0
\sl-213\slmult0 \fs18\cf0\par\pard\li2973\ri0\sl-213\slmult0 \fs18\cf0\par\pard\
li2973\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li2973\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li2973\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li2973\ri0\sl-213\slmult0
\fs18\cf0\par\pard\li2973\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li2973\ri0\sl-3
73\slmult0 \fs24\cf0\f1\charscalex100 {Kredit dibolehkan dalam hukum }\par
\pard\li2973\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {jual-beli secara Isl
ami. Kredit adalah }\par\pard\li2973\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex1
00 {membeli barang dengan harga yang }\par\pard\li2973\ri0\sl-280\slmult0 \fs22\
cf0\f1\charscalex100 {berbeda antara pembayaran dalam }\par\pard\li2973\ri
0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {bentuk tunai tunai dengan b
ila }\par\pard\li2973\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {dengan teng
gang waktu. Ini dikenal }\par\pard\li2973\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {dengan istilah : bai` bit taqshid atau }\par\pard\li640\ri0\sl-280\slmu
lt0 \fs24\cf0\f1\charscalex100 {bai` bits-tsaman `ajil. Gambaran umumnya adalah
penjual dan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pemb
eli sepakat bertransaksi atas suatu barang (x) dengan }\par\pard\l
i640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {harga yang sudah dipas
tikan nilainya (y) dengan masa }\par\pard\li640\ri0\sl-266\slmult0 \fs24
\cf0\f1\charscalex100 {pembayaran (pelunasan) (z) bulan. }\par\pard\li640\ri0\sl
-280\slmult0 \fs24\cf0\f1\charscalex100 {Namun sebagai syarat harus dipenuhi ket
entuan berikut : }\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn66
6\margrsxn133\margtsxn666\margbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0
\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\c
f0\par\pard\li1000\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {1. Harga har
us disepakati di awal transaksi meskipun }\par\pard\li1360\ri0\sl-280\
slmult0 \fs22\cf0\f1\charscalex100 {pelunasannya dilakukan kemudian. Misal
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}}}}\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn400\pard
\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult
0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li46
00\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs
18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\s
lmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri
0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard
\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li4600\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {Pertemuan Perta
ma}\par\pard\li4840\ri0\sl-333\slmult0 \fs30\cf0\f0\charscalex100\b {Bunga Bank}
\b0 \par\pard\li3520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3520\ri0\sl-213\slm
ult0 \fs18\cf0\par\pard\li3520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3520\ri0\
sl-213\slmult0 \fs18\cf0\par\pard\li3520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\l
i3520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3520\ri0\sl-213\slmult0 \fs18\cf0\
par\pard\li3520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3520\ri0\sl-373\slmult0
\fs24\cf0\f1\charscalex100 {Riba secara mutlak telah }\par\pard\li3520\ri0
\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {diharamkan oleh Allah swt dan }\par\
pard\li3520\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Rasuluullah saw memal
ui ayat-}\par\pard\li3520\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {ayat
Al-Quran dan Sunnah }\par\pard\li3520\ri0\sl-266\slmult0 \fs24\cf0\f1\charsc
alex100 {Rasulullah saw. Diantara nash-}\par\pard\li3520\ri0\sl-266\slmult0 \fs2
4\cf0\f1\charscalex100 {nash itu adalah : }\par\pard\li3520\ri0\sl-213\slmult0 \
fs18\cf0\par\pard\li3520\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b {1. AlQuran }\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-34
6\slmult0 \fs24\cf0\f1\charscalex100 {Al-Quran mengharamkan riba dalam empat mar
halah / tahap. }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {D
oktor Wahbat Az-Zuhaili dalam Tafsir Al-Munir }\par\pard\li640\ri0\sl266\slmult0 \fs24\cf0\f1\charscalex100 {menjelaskan tahapan pengharam riba adala
h sebagai berikut }\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn6
66\margrsxn133\margtsxn666\margbsxn173\cols2\colno1\colw5400\colsr-0\colno2\colw
2200\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \
ex100 {Pendapat seperti ini pernah dikemukakan oleh Dr. Ibrahim }\par\pard\li640
\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Hosen dalam sebuah workshop on b
ank and banking interest, }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\chars
calex100 {disponsori oleh Majelis Ulama Indonesia pada tahun 1990. }\par\pard\li
640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\
charscalex100\b {Jawaban :}\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\
pard\li640\ri0\sl-346\slmult0 \fs24\cf0\f1\charscalex100 {Argumen ini memiliki k
elemahan dari beberapa sisi, yaitu ?}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf
0\f1\charscalex100 {idak benar bahwa pada zaman nabi tidak ada badan keuangan }\
par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {sama sekali. Sejar
ah Roma, Persia dan Yunani menunjukkan }\par\pard\li640\ri0\sl-266\slmult0 \fs22
\cf0\f1\charscalex100 {ribuan lembaga keuangan yang mendapat pengesaha
n dari }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {pihak p
enguasa. Dengan kata lain, perseroan mereka masuk }\par\pard\li640\ri0\sl-266\sl
mult0 \fs24\cf0\f1\charscalex100 {dalam lembaran negara. }\par\pard\li640\ri0\sl
-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex
100 {Dalam tradisi hukum, perseroan atau badan hukum sering }\par\
pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {disebut sebagai ju
ridical personality atau }\fs22\cf0\f0\charscalex100\b {syakhshiyyah }\b0 \
par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f0\charscalex100\b {hukmiyah}\b0 \fs
24\cf0\f1\charscalex100 {. Juridical personality ini sah secarara hukum dan }\pa
r\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {dapat mewakili indiv
idu-individu secarar keseluruhan. }\par\pard\li6066\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li6066\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6066\ri0\sl-213\slmult0
\fs18\cf0\par\pard\li6066\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6066\ri0\sl-3
60\slmult0 \fs24\cf0\f0\charscalex100 {201}\par\pard\sect\sectd\sbkpage\pgwsxn84
00\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbsxn173\pard\li5400\ri0\s
l-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li640\r
i0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-453\slmult0 \fs24\cf0\f1\chars
calex100 {Bank memang bukan insan mukallaf, tetapi melakukan amal }\par\pard\li6
40\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {mukallaf yang jauh lebih
besar dan berbahaya. Alangkah }\par\pard\li640\ri0\sl-266\slmult0 \fs22
\cf0\f1\charscalex100 {naifnya bila kita mengatakan bahwa sebuah gan
k mafia }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {penged
ar drugs dan narkotika tidak berdosa dan tidak terkena }\par\pard\li640\ri0\sl-2
66\slmult0 \fs22\cf0\f1\charscalex100 {hukum karena merupakan sebuah lembaga dan
bukan insan }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {muk
allaf. Demikian juga lembaga keuangan, apa bedanya }\par\pard\li640\
ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {dengan seorang rentenir pem
akan darah masyarakat ? }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\c
harscalex100 {Bedanya, yang satu seorang individu yang beroperasi tingkat }\par\
pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {RT dan RW, sedan
g yang lainnya adalah kumpulan dari }\par\pard\li640\ri0\sl-280\slmult
0 \fs22\cf0\f1\charscalex100 {individu-individu yang secarara terorganisis dan m
odal raksasa }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {mel
akukan operasi renten dan pemerasan tingkat tinggi dalam }\par\pard\li640\ri0\sl
-266\slmult0 \fs22\cf0\f1\charscalex100 {skala nasional bahkan internasion
al dan mendapat aspek }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\cha
rscalex100 {legalitas dari hukum sekuler. }\par\pard\li640\ri0\sl-213\slmult0 \f
s18\cf0\par\pard\li640\ri0\sl-346\slmult0 \fs24\cf0\f0\charscalex100\b {d. Yang
haram adalah yang konsumtif}\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Pendapat ini mengatak
an bahwa riba yang diharamkan hanya }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf
0\f1\charscalex100 {bersifat konsumtif saja. Sedangkan riba yang bersifat produk
tif }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {tidak haram.
Alasan yang digunakan adalah 'illat dari riba yaitu }\par\pard\li640\ri0\sl-280
\slmult0 \fs22\cf0\f1\charscalex100 {pemerasan. Dan pemerasan ini hanya
dapat terjadi pada }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {bentuk pinjaman yang konsumtif saja. Sebab debitur }\par\pa
rd\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {bermaksud menggunakan ua
argrsxn133\margtsxn666\margbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\ch
arscalex100\i {Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\p
ar\pard\li640\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {berubah menjadi
haram bila ada ketentuan tertentu yang }\par\pard\li640\ri0\sl-280\sl
mult0 \fs24\cf0\f1\charscalex100 {menggesernya menjadi sebuah perjudian. }\par\p
ard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\c
f0\f1\charscalex100 {Maka yang membedakannya bukan nama atau }\par\par
d\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pengistilahannya, melai
nkan kriteria yang ditetapkan oleh }\par\pard\li640\ri0\sl-266\slmult0 \
fs24\cf0\f1\charscalex100 {penyelenggara undian tersebut. }\par\pard\li640\ri0\s
l-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-346\slmult0 \fs22\cf0\f1\charscale
x100 {Sebuah undian bisa menjadi judi manakala ada keharusan bagi }\par\pard\li6
40\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {peserta untuk membayar s
ejumlah uang atau nilai tertentu }\par\pard\li640\ri0\sl-266\slmult0 \fs
22\cf0\f1\charscalex100 {kepada penyelenggara. Dan dana untuk menyediakan hadiah
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {yang dijanjik
an itu didapat dari dana yang terkumpul dari }\par\pard\li640\ri0\
sl-280\slmult0 \fs22\cf0\f1\charscalex100 {peserta undian. Maka pada saat itu ja
dilah undian itu sebuah }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charsca
lex100 {bentuk lain dari perjudian yang diharamkan. }\par\pard\li640\ri0\sl-213\
slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f0\charscalex100\b
{Contoh Sayembara Yang Diharamkan}\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\
cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Sebuah yayas
an menyelenggarakan kuis berhadiah, namun }\par\pard\li640\ri0\sl-280\sl
mult0 \fs22\cf0\f1\charscalex100 {untuk bisa mengikuti kuis tersebut, tiap
peserta diwajibkan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscale
x100 {membayar biaya sebesar Rp. 5.000,-. Peserta yang ikutan }\pa
r\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {jumlahnya 1 juta ora
ng. Dengan mudah bisa dihitung berapa }\par\pard\li640\ri0\sl-266\slmult0 \fs22\
cf0\f1\charscalex100 {dana yang bisa dikumpulkan oleh yayasan tersebut, yait
u 5 }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {milyar rupi
ah. Kalau untuk pemenang harus disediakan dana }\par\pard\li640\ri0\sl-266\slmul
t0 \fs22\cf0\f1\charscalex100 {pembeli hadiah sebesar 3 milyar, maka pihak yayas
an masih }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {mendapa
tkan untung sebesar 2 Milyar. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\
pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Bentuk kuis berhadiah
ini termasuk judi, sebab hadiah yang }\par\pard\li640\ri0\sl-280\slmult0 \fs24\c
f0\f1\charscalex100 {disediakan semata-mata diambil dari kontribusi peserta. }\p
ar\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs
24\cf0\f0\charscalex100\b {Contoh Sayembara Yang Dihalalkan}\b0 \par\pard\li640\
ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\char
scalex100 {Sebuah toko menyelenggarakan undian berhadiah bagi }\par\pa
rd\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pelanggan / pembeli yang
nilai total belanjanya mencapai Rp. }\par\pard\li640\ri0\sl-280\slmult0 \fs22\c
f0\f1\charscalex100 {50.000. Dengan janji hadiah seperti itu, toko bisa menyedot
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pembeli lebih b
esar -misalnya- 2 milyar rupiah dalam setahun. }\par\pard\li6066\ri0\sl-213\slmu
lt0 \fs18\cf0\par\pard\li6066\ri0\sl-440\slmult0 \fs24\cf0\f0\charscalex100 {209
}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\mar
gtsxn666\margbsxn173\pard\li5400\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i
{Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640
\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {Pertambahan keuntungan ini bukan
karena adanya kontribusi }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\chars
calex100 {dari pelanggan / pembeli sebagai syarat ikut undian. }\p
ar\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Melainkan dari bert
ambahnya jumlah mereka. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\l
i640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Hadiah yang dijanjikan sejak
awal memang sudah disiapkan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\ch
arscalex100 {dananya dan meskipun pihak toko tidak mendapatkan }\par
\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {keuntungan yang lebih
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0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult
0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li46
00\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs
18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\s
lmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri
0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard
\li4600\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li4600\ri0\sl-213\slmult0 \fs18\cf
0\par\pard\li4600\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {Pertemuan Perta
ma}\par\pard\li5106\ri0\sl-333\slmult0 \fs28\cf0\f0\charscalex100\b {Hak Cipta}\
b0 \par\pard\li3160\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3160\ri0\sl-213\slmu
lt0 \fs18\cf0\par\pard\li3160\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3160\ri0\s
l-213\slmult0 \fs18\cf0\par\pard\li3160\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li
3160\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3160\ri0\sl-213\slmult0 \fs18\cf0\p
ar\pard\li3160\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li3160\ri0\sl-373\slmult0 \
fs24\cf0\f1\charscalex100 {Secara umum, hak atas suatu karya }\par\pard\li3160\r
i0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {ilmiyah, hak atas merek dagang dan
}\par\pard\li3160\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {logo dagang me
rupakan hak milik }\par\pard\li3160\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex10
0 {yang keabsahaannya dilindungi }\par\pard\li3160\ri0\sl-266\slmult0 \fs22\
cf0\f1\charscalex100 {oleh syariat Islam. Dan merupakan }\par\pard\li3160\ri0\sl
-266\slmult0 \fs22\cf0\f1\charscalex100 {kekayaan yang menghasilkan }\par\pa
rd\li3160\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {pemasukan bagi pemi
liknya. Dan }\par\pard\li3160\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {k
hususunya di masa kini }\par\pard\li3160\ri0\sl-266\slmult0 \fs22\cf0\f1\c
harscalex100 {merupakan `urf yang diakui }\par\pard\li3160\ri0\sl-266\slmu
lt0 \fs22\cf0\f1\charscalex100 {sebagai jenis dari suatu kekayaan }\par\
pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {dimana pemiliknya
berhak atas semua itu. Boleh diperjual-}\par\pard\li640\ri0\sl-280\slm
ult0 \fs24\cf0\f1\charscalex100 {belikan dan merupakan komoditi. (lihat Qor
or Majma` Al-}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\ma
rgrsxn133\margtsxn666\margbsxn173\pard\li5400\ri0\sl-226\slmult0 \fs16\cf0\f0\ch
arscalex100\i {Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\p
ar\pard\li640\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {Fiqh Al-Islami no.5
pada Muktamar kelima 10-15 Desember }\par\pard\li640\ri0\sl-280\slmult0 \fs24\c
f0\f1\charscalex100 {1988 di Kuwait). }\par\pard\li640\ri0\sl-266\slmult0 \fs22\
cf0\f1\charscalex100 {Namun dalam prakatek kesehariannya, ada juga hal-hal yang
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {perlu diperhat
ikan selain demi kemashlahatan para pemilik }\par\pard\li640\ri0\sl-26
6\slmult0 \fs20\cf0\f1\charscalex100 {hak cipta itu, yaitu hak para
konsumen yang ternyata juga }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\
scalex100 {38. Syaikh Dr. Al Abid Muadz, Dekan Fakultas Syariah }\par\pard\li136
0\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Universitas Al Quranul Karim }
\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {39. Syaikh Mud
atsir Ahmad Ismail, Khathib Masjid Al }\par\pard\li1360\ri0\sl-280\slm
ult0 \fs24\cf0\f1\charscalex100 {Arqam di Al Haj Yusuf }\par\pard\li1000\ri0\sl
-266\slmult0 \fs22\cf0\f1\charscalex100 {40. Syaikh Dr. Yusuf Al Kudah,
Dosen Universitas El }\par\pard\li1360\ri0\sl-266\slmult0 \fs24\cf0\f1\cha
rscalex100 {Nilain }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex
100 {41. Syaikh Dr. Shalih Al Taum, Dosen Universitas }\par\pard\li1
360\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {Qurthum }\par\pard\li1000\ri
0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {42. Syaikh Al Abid Abdul Wa
hab, Dosen Universitas }\par\pard\li1360\ri0\sl-266\slmult0 \fs24\cf0\f1\cha
rscalex100 {Qurthum }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscale
x100 {43. Syaikh Ibrahim Al Dharir, Anggota Dewan Fatwa dan }\par\pard\li1360\ri
0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {Kajian Universitas Al Quranul Karim
}\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {44. Syaikh
Dr. Ali Ulwan, Dekan Fakultas Syariah }\par\pard\li1360\ri0\sl-266\slm
ult0 \fs24\cf0\f1\charscalex100 {Universitas Nasional Al Ribath }\par\pard\li10
00\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {45. Syaikh Ahmad Hasan M
uhammad, Ketua Jurusan }\par\pard\li1360\ri0\sl-280\slmult0 \fs24\cf0\f1\cha
rscalex100 {Komunikasi Universitas Internasional Afrika }\par\pard\li1000\ri0\s
l-266\slmult0 \fs22\cf0\f1\charscalex100 {46. Syaikh Dr. Mahmud Sulaiman
Jadin, Dosen }\par\pard\li1360\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100
{Universitas Al Quranul Karim }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1
\charscalex100 {47. Syaikh Fadhlullah Ibrahim Thaha, Dosen Universitas }\par\par
d\li1360\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {Al Quranul Karim }\par\
pard\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {48. Syaikh Akin Mawil
, Anggota Majlis Ulama' Sudan }\par\pard\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1
\charscalex100 {49. Syaikh Dr. Adil Thahir, Universitas Islam Umdarman }\par\pa
rd\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {50. Syaikh Amad Bakri A
bu Hiras, Da'i }\par\pard\li1000\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100
{51. Syaikh Nazar Muhammad Utsman, Ketua Dewan }\par\pard\li1360\ri0\s
l-266\slmult0 \fs24\cf0\f1\charscalex100 {Penasehat }\par\pard\li1000\ri0\sl-26
6\slmult0 \fs22\cf0\f1\charscalex100 {52. Syaikh Dr. Izzuddin Ibrahim, Dekan Fak
ultas Syariah }\par\pard\li1360\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {U
niversitas Al Quranul Karim Cabang Juba }\par\pard\li1000\ri0\sl-280\slmult0 \f
s22\cf0\f1\charscalex100 {53. Syaikh Utsman Abdul Razaq, Perintis Majlis Ulama'
}\par\pard\li1360\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Sudan }\par\pa
rd\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {54. Syaikh Ibrahim
Al Arzaq, Universitas Islam }\par\pard\li1360\ri0\sl-266\slmult0 \fs24\cf0
\f1\charscalex100 {Umdarman }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\p
ard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\c
f0\par\pard\li640\ri0\sl-360\slmult0 \fs24\cf0\f0\charscalex100 {228}\par\pard\s
ect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\mar
gbsxn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaha
rah}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-453
\slmult0 \fs24\cf0\f1\charscalex100 {55. Syaikh Dr. Ahmad Shadiq Basyir, Dosen U
niversitas }\par\pard\li1360\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {Al Q
uranul Karim }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {5
6. Syaikh Jamal Thahir Hasan, Khathib Masjid Banet }\par\pard\li1360
\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Timur }\par\pard\li1000\ri0\sl266\slmult0 \fs22\cf0\f1\charscalex100 {57. Syaikh Athiyah Muhammad Hasan,
Anggota Majlis }\par\pard\li1360\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex
100 {Ulama' Sudan }\par\pard\li1000\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex1
00 {58. Syaikh Khalid Ramadhan, Khathib Masjid Al }\par\pard\li1360\ri
0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Mustaghfirin }\par\pard\li1000\ri0
\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {59. Syaikh Umar Abdul Qadir, Televis
i Qurthum }\par\pard\li1000\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {60.
Syaikh Daf'ullah Muhammad Hasan, Imam dan }\par\pard\li1360\ri0\sl-266
\slmult0 \fs24\cf0\f1\charscalex100 {Khathib Masjid Al Dzakirin di Riyadh }\par
}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-280\slmult0
\fs24\cf0\f1\charscalex100 {Produsen Makanan & Minuman AS: }\par\pard\li640\ri0\
sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs24\cf0\f1\charscal
ex100 {Minuman: }\par\column\pard\li0\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex
100\i {Fiqih Thaharah}\i0 \par\pard\sect\sectd\sbknone\pgwsxn8400\pghsxn11893\ma
rglsxn666\margrsxn133\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\r
i0\sl-346\slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\c
f0\f1\charscalex100 {Pepsi dan anak perusahaannya: Mirinda dan 7up }\par\pard\l
i1000\ri0\sl-280\slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab
\fs24\cf0\f1\charscalex100 {Coca-Cola dan anak perusahannya (Anda kala
u }\par\pard\li1360\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {membaca tulis
an Cola-cola dari belakang botol, akan }\par\pard\li1360\ri0\sl-266\slmult0 \fs2
4\cf0\f1\charscalex100 {tertulis: no Muhammad, no Mecca) }\par\pard\li1000\ri0\s
l-280\slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f
1\charscalex100 {Sprite dan Fanta }\par\pard\li1000\ri0\sl-280\slmult0 \*\tx136
0\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f1\charscalex100 {Produ
k Hanes and Crystal: Mayonnaise, Kecap }\par\pard\li1000\ri0\sl-266\slmult0 \*\
tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f1\charscalex100 {
California Garden and Warner & Lambert }\par\pard\li1000\ri0\sl-266\slmult0 \*\
tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100\b
{T-Shirt, Sepatu: }\b0 \fs24\cf0\f1\charscalex100 {Semua baju dan sepatu merk
Nike }\par\pard\li1360\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {(pernah
tertulis kata "Allah" dalam sebuah }\par\pard\li1360\ri0\sl-266\slmult0
\fs24\cf0\f1\charscalex100 {produknya), Adidas, Kate dan Calvin Klein }\par\par
d\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0
\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \
fs18\cf0\par\pard\li640\ri0\sl-360\slmult0 \fs24\cf0\f0\charscalex100 {230}\par\
pard\sect\sectd\sbknone\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\pard\sect
\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsxn666\margrsxn133\margtsxn666\margbs
xn173\pard\li640\ri0\sl-226\slmult0 \fs16\cf0\f0\charscalex100\i {Fiqih Thaharah
}\i0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri0\sl-466\sl
mult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\charsc
alex100\b {Peralatan Listrik :}\b0 \fs24\cf0\f1\charscalex100 { Power, Union
Air, Clifinitour , }\par\pard\li1360\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex
100 {Admiral, Harmony, Alaska, Duncan, Motorola, }\par\pard\li1360\ri0\s
l-266\slmult0 \fs24\cf0\f1\charscalex100 {Alcatel. }\par\pard\li1000\ri0\sl-280
\slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f0\cha
rscalex100\b {Baterei: }\b0 \fs24\cf0\f1\charscalex100 {Everydy, Energizer dan D
oorsill }\par\pard\li1000\ri0\sl-280\slmult0 \*\tx1360\fs20\cf0\f2\charscalex10
0 {\uc1\u61623X}\tab \fs24\cf0\f0\charscalex100\b {Mobil: }\b0 \fs24\cf0\f1\cha
rscalex100 {Ford, Chrysler, Hammer, Chevrolet, Puck }\par\pard\li1360\ri
0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {Dan Semua produk General Electric
}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-320\slmult0
\fs22\cf0\f0\charscalex100\b {Perusahaan-Perusahaan AS yang mendanai Zio
nisme }\b0 \par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f0\charscalex100\b {Inte
rnasional: }\b0 \par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li1000\ri
0\sl-346\slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf
0\f1\charscalex100 {A & M FOODS A & W BRANDS }\par\pard\li1000\ri0\sl-266\slmul
t0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f1\charscale
x100 {CAMACHO, INC . }\par\pard\li1000\ri0\sl-266\slmult0 \*\tx1360\fs20\cf0\f2
\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f1\charscalex100 {ZEREGA'S SONS }\p
ar\pard\li1000\ri0\sl-280\slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u616
23X}\tab \fs24\cf0\f1\charscalex100 {PANZA & SONS }\par\pard\li1000\ri0\sl-280\
slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f1\char
scalex100 {A.E. STALEY MANUFACTURING COMPANY }\par\pard\li1000\ri0\sl-266\slmul
t0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u61623X}\tab \fs24\cf0\f1\charscale
x100 {A.J. ALTMAN }\par\pard\li1000\ri0\sl-266\slmult0 \*\tx1360\fs20\cf0\f2\ch
arscalex100 {\uc1\u61623X}\tab \fs24\cf0\f1\charscalex100 {A.L. BAZZINI CO }\pa
r\pard\li1000\ri0\sl-280\slmult0 \*\tx1360\fs20\cf0\f2\charscalex100 {\uc1\u6162
3X}\tab \fs24\cf0\f1\charscalex100 {A ARHUS, INC ABBA }\par\pard\li1000\ri0\sl-
melaknat penyuap, yang menerima suap dan }\i0 \par\pard\li640\ri0\sl280\slmult0 \fs22\cf0\f0\charscalex100\i {perantaranya (HR Ahmad) }\i0 \par\pard
\li640\ri0\sl-266\slmult0 \fs22\cf0\f0\charscalex100\b {II. Yang Termasuk
Diharamkan Terkait Dengan }\b0 \par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\
f0\charscalex100\b {Sogokan}\b0 \par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par
\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Kalau diperhatikan
lebih seksama, ternyata hadits-hadits }\par\pard\li640\ri0\sl-280\slmult
0 \fs22\cf0\f1\charscalex100 {Rasulullah itu bukan hanya mengharamkan
seseorang }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {memaka
n harta hasil dari sogokan, tetapi juga diharamkan }\par\pard\li64
0\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {melakukan hal-hal yang bisa mem
buat sogokan itu berjalan. }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\char
scalex100 {Maka yang diharamkan itu bukan hanya satu pekerjaan yaitu }\par\pard\
li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {memakan harta sogokan, mela
inkan tiga pekerjaan sekaligus. }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1
\charscalex100 {Yaitu }\par\pard\li1000\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li
1000\ri0\sl-333\slmult0 \fs24\cf0\f1\charscalex100 {1. Menerima sogokan }\par\pa
rd\li1000\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {2. Memberi sogokan }\pa
r\pard\li1000\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {3. Mediator sogokan
}\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0
\fs22\cf0\f1\charscalex100 {Sebab tidak akan mungkin terjadi seseorang memakan
harta }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {hasil dari
sogokan, kalau tidak ada yang menyogoknya. Maka }\par\pard\li640\ri0\sl-266\slm
ult0 \fs22\cf0\f1\charscalex100 {orang yang melakukan sogokan pun term
asuk mendapat }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {
laknat dari Allah juga. sebab karena pekerjaan dan inisiatif dia-}\par\pard\li64
0\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {lah maka ada orang yang makan h
arta sogokan. Dan biasanya }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\char
scalex100 {dalam kasus sogokan seperti itu, selalu ada pihak yang menjadi }\par\
pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {mediator atau perantar
a yang bisa memuluskan jalan. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\
pard\li640\ri0\sl-346\slmult0 \fs22\cf0\f1\charscalex100 {Sebab bisa jadi pihak
yang menyuap tidak mau menampilkan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0
\f1\charscalex100 {diri, maka dia akan menggunakan pihak lain sebagai mediator.
}\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Atau sebaliknya,
pihak yang menerima suap tidak akan mau }\par\pard\li640\ri0\sl-266\slmult0 \fs
22\cf0\f1\charscalex100 {bertemua langsung dengan si penyogok, maka peran mediat
or }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {itu penting
. Dan sebagai mediator, maka wajarlah bila }\par\pard\li640\ri0\sl-2
66\slmult0 \fs24\cf0\f1\charscalex100 {mendapatkan komisi uang tertentu dari has
il jasanya itu. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0
\sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Maka ketiga pihak itu oleh Rasulull
ah SAW dilaknat sebab }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsca
lex100 {ketiganya sepakat dalam kemungkaran. Dan tanpa peran aktif }\par\pard\li
6066\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li6066\ri0\sl-466\slmult0 \fs24\cf0\f
0\charscalex100 {235}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893\marglsx
n666\margrsxn133\margtsxn666\margbsxn173\pard\li5400\ri0\sl-226\slmult0 \fs16\cf
0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\slmult0 \fs1
8\cf0\par\pard\li640\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {dari semua
pihak, sogokan itu tidak akan berjalan dengan }\par\pard\li640\ri
0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {lancar. Sebab dalam dunia s
ogok menyogok, biasanya }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\cha
rscalex100 {memang sudah ada mafianya tersendiri yang mengatur segala }\par\pard
\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {sesuatunya agar lepas
dari jaring-jaring hukum serta }\par\pard\li640\ri0\sl-266\slmult0 \fs24
\cf0\f1\charscalex100 {mengaburkan jejak. }\par\pard\li640\ri0\sl-213\slmult0 \f
s18\cf0\par\pard\li640\ri0\sl-346\slmult0 \fs22\cf0\f1\charscalex100 {Rupanya
sejak awal Islam sudah sangat antisipatif sekali }\par\pard\li640\ri
0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {terhadap gejala dan kebiasaan sogok
menyogok tak terkecuali }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {yang akan terjadi di masa depan nanti. Sejak 15 Abad yang lalu }\par\pa
rd\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {seolah-olah Islam su
dah punya gambaran bahwa di masa }\par\pard\li640\ri0\sl-280\slmult0 \
fs22\cf0\f1\charscalex100 {sekarang ini yang namanya sogok menyogok
itu dilakukan }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {
secara berkomplot dengan sebuah mafia persogokan yang }\par\pard\li6
40\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {canggih. }\par\pard\li640\ri0\
sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf0\f1\charscal
ex100 {Karena itu sejak dini Islam tidak hanya melaknat orang yang }\par\pard\li
640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {makan harta sogokan, tetapi j
uga sudah menyebutkan pihak }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\cha
rscalex100 {lain yang ikut mensukseskannya. Yaitu sebuah mafia }\par
\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {persogokan yang biasa
teramat sulit diberantas, karena semua }\par\pard\li640\ri0\sl-266\slmult0 \fs2
2\cf0\f1\charscalex100 {pihak itu piawai dalam berkelit di balik celah-celah kel
emahan }\par\pard\li640\ri0\sl-280\slmult0 \fs24\cf0\f1\charscalex100 {hukum bua
tan manusia. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl
-333\slmult0 \fs24\cf0\f0\charscalex100\b {III.Sogok Untuk Memperoleh Hak}\b0 \p
ar\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs
22\cf0\f1\charscalex100 {Namun jumhur ulama memberikan pengecualian ke
pada }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {mereka yang
tidak bisa mendapatkan haknya kecuali dengan }\par\pard\li640\ri0\sl-280\slmult
0 \fs22\cf0\f1\charscalex100 {disyaratkan harus membayar jumlah uang t
erentu. Intinya, }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex10
0 {yang minta berdosa karena menghalangi seseorang }\par\pard\li640\ri
0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {mendapatkan haknya, sedangkan
yang membayar untuk }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charsc
alex100 {mendapatkan haknya tidak berdosa, karena dia melakukan }\pa
r\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {untuk mendapatkan ap
a yang jelas-jelas menjadi haknya secara }\par\pard\li640\ri0\sl-266\slmult0 \fs
22\cf0\f1\charscalex100 {khusus. Maksudnya hak secara khusus adalah
untuk }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {membedakan
dengan hak secara umum. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\
li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\p
ar\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-373\slmult0 \fs
24\cf0\f0\charscalex100 {236}\par\pard\sect\sectd\sbkpage\pgwsxn8400\pghsxn11893
\marglsxn666\margrsxn133\margtsxn666\margbsxn173\pard\li640\ri0\sl-226\slmult0 \
fs16\cf0\f0\charscalex100\i {Fiqih Thaharah}\i0 \par\pard\li640\ri0\sl-213\slmul
t0 \fs18\cf0\par\pard\li640\ri0\sl-453\slmult0 \fs24\cf0\f1\charscalex100 {Conto
hnya adalah bahwa untuk menjadi pegawai negeri }\par\pard\li640\ri0\
sl-280\slmult0 \fs22\cf0\f1\charscalex100 {merupakan hak warga negara, t
api kalau harus membayar }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\
charscalex100 {jumlah tertentu, itu namanya risyawah yang diharamkan
. }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {Karena menjadi
pegawai negeri meskipun hak warga negara, }\par\pard\li640\ri0\sl-266\slmult0 \
fs22\cf0\f1\charscalex100 {tetapi hak itu sifatnya umum. Siapa saja memang berha
k jadi }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {pegawai n
egeri, tapi mereka yang yang benar-benar lulus saja }\par\pard\li640\ri0\sl-266\
slmult0 \fs22\cf0\f1\charscalex100 {yang berhak secara khusus. Kalau lewat jalan
belakang, maka }\par\pard\li640\ri0\sl-266\slmult0 \fs24\cf0\f1\charscalex100 {
itu bukan hak. }\par\pard\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\
sl-333\slmult0 \fs22\cf0\f1\charscalex100 {Sedangkan bila seorang dirampas
harta miliknya dan tidak }\par\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\
f1\charscalex100 {akan diberikan kecuali dengan memberikan sejumlah
harta, }\par\pard\li640\ri0\sl-266\slmult0 \fs22\cf0\f1\charscalex100 {bukanlah
termasuk menyogok yang diharamkan. Karena harta }\par\pard\li640\ri0\sl-266\slmu
lt0 \fs24\cf0\f1\charscalex100 {itu memang harta miliknya secara khusus }\par\pa
rd\li640\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li640\ri0\sl-333\slmult0 \fs22\cf
0\f1\charscalex100 {Maka jumhur ulama membolehkan penyuapan yang dilakukan }\par
\pard\li640\ri0\sl-280\slmult0 \fs22\cf0\f1\charscalex100 {untuk memperoleh hak
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