tag:blogger.com,1999:blog-35754027626905676482024-02-07T06:54:34.626-08:00UJKS - KOCIKA - MITRA USAHA STIENU JEPARAAnonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-3575402762690567648.post-61201792182303558302013-01-20T23:00:00.003-08:002013-01-20T23:00:59.973-08:00PEMBIAYAAN<div dir="ltr" style="text-align: left;" trbidi="on">
1. Tijaroh (pembiayaan jual beli)<br />
a. Ba'i al-Murobahah (pembelian tangguh)<br />
pembiayaan penjualan barang dengan ditambah keuntungan yang telah disepakati. pembayaran dapat ditangguhkan sampai jatuh tempo atau memberikan angsuran setiap bulan<br />
b. Ba'i Bitsaman Aji (jual beli bayar cicilan)<br />
pembiayaan jual beli barang ditambah keuntungan yang telah disepakati dengan cara diangsur dalam jangka waktu yang telah disepakati.<br />
2. Mudhorobah<br />
Unit Jasa Keuangan Syari'ah Kocika "Mitra Usaha" sebagai <i>shohibul maal</i> dan dan pemilik usaha sebagai <i>mudhorib</i> berkongsi usaha, jika keuntungan dibagi sesuai kesepakatan jumlah modal yang disertakan, jika rugi <i>mudhorib</i> cukup mengembalikan modal pokok.<br />
3. Musyarokah<br />
pembiayaan yang diberikan kepada nasabah berupa sebagian dari modal anggota yang diberikan anggota dari keseluruhan modal. Pembagian keuntungan lakukan secara proporsional sesuai dengan perjanjian kedua belah pihak.</div>
Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com1tag:blogger.com,1999:blog-3575402762690567648.post-10051079181760887602013-01-15T00:04:00.003-08:002013-01-20T10:36:02.303-08:00ASAS-ASAS HUKUM PERJANJIAN ISLAM<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";">1). </span><span style="color: #333300; font-family: "Times New Roman";">Al-Hurriyah (Kebebasan)</span><span style="color: #333300; font-family: "Times New Roman";">
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">Asas ini
merupakan prinsip dasar dalam hukum perjanjian islam, dalam artian para pihak
bebas membuat </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";">suatu perjanjian atau akad. Bebas dalam menentukan objek
perjanjian dan bebas menentukan dengan siapa </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";">dia akan membuat perjanjian, serta
bebas menentukan bagaimana cara menentukan penyelesaian sengketa </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";">jika terjadi
di kemudian hari.</span><span style="color: #333300; font-family: "Times New Roman";">
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">Asas
kebebasan berkontrak di dalam hukum islam dibatasi oleh ketentuan syari’ah
islam. Dalam membuat </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";">perjanjian ini tidak boleh ada unsur paksaan, kekhilafan,
dan penipuan.</span></span><span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";">Dasar
hukum mengenai asas ini tertuang dalam Al-Qur’an surat Al-Baqarah ayat 256,
yang artinya sebagai berikut :</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: Verdana;">“</span><span style="color: #333300; font-family: Verdana; font-style: italic;">Tidak
ada paksaan untuk (memasuki) agama (Islam), sesungguhnya telah jelas jalan yang
benar daripada jalan yang sesat........”.</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">2). </span><span style="color: black; font-family: "Times New Roman";">Al-Musawah
(Persamaan atau Kesetaraan)</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Asas ini mengandung pengertian bahwa para pihak mempunyai
kedudukan yang sama, sehingga dalam </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">menentukan suatu akad/perjanjian setiap
pihak mempunyai kesetaraan atau kedudukan yang seimbang.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Dasar hukum mengenai
asas persamaan ini teruang di dalam ketentuan Al-Qur’an surat Al-Hujarat ayat
13</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> yang artinya sebagai berikut :</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana;">“</span><span style="color: #333300; font-family: Verdana; font-style: italic;">Hai manusia, sesungguhnya kami menciptakan kamu dari
seeorang laki-laki </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">dan seorang perempuan dan menjadikan kamu berbangsa-bangsa
dan </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">bersuku-suku supaya kamu saling mengenal. Sesungguhnya orang yang paling </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">mulia diantara kamu di sisi Allah ialah orang-orang yang bertakwa diantara </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu. Sesungguhnya Allah Maha Mengetahui lagi Maha Mengenal</span><span style="color: #333300; font-family: Verdana; font-style: italic;">”</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">3) </span><span style="color: black; font-family: "Times New Roman";">Al-Adalah (Keadilan) </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Pelaksanaan asas ini dalam suatu perjanjan/akad menuntut
para pihak untuk melakukan yang benar dalam </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">pengungkapan kehendak dan keadaan,
memenuhi semua kewajiban. Perjanjian Harus senantiasa </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">mendatangkan keuntungan
yang adil dan seimbang, serta tidak boleh mendatangkan kerugian bagi salah satu </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">pihak. </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Dasar</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">hukumnya</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dapat</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">di</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">baca</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dalam</span><span style="color: black; font-family: "Times New Roman";"> Al Quran </span><span style="color: black; font-family: "Times New Roman";">surat</span><span style="color: black; font-family: "Times New Roman";"> Al </span><span style="color: black; font-family: "Times New Roman";">Maidah</span><span style="color: black; font-family: "Times New Roman";"> [5]:8.
yang </span><span style="color: black; font-family: "Times New Roman";">artinya</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">sebagai</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">berikut</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana;">“ </span><span style="color: #333300; font-family: Verdana; font-style: italic;">Hai</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">orang-orang</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> yang </span><span style="color: #333300; font-family: Verdana; font-style: italic;">beriman</span><span style="color: #333300; font-family: Verdana; font-style: italic;">, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">hendaklah</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">menjadi</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">orang-orang</span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">selalu</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">menegakkan</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kebenaran</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">karena</span><span style="color: #333300; font-family: Verdana; font-style: italic;">
ALLAH, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">menjadi</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">saksi</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">dengan</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">adil</span><span style="color: #333300; font-family: Verdana; font-style: italic;">.
Dan </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">janganlah</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">sekali</span><span style="color: #333300; font-family: Verdana; font-style: italic;">-kali
</span><span style="color: #333300; font-family: Verdana; font-style: italic;">kebencianmu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">terhadap</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">suatu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kaum</span><span style="color: #333300; font-family: Verdana; font-style: italic;">, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">membuat</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">cenderung</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">untuk</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">berlaku</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">tidak</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">adil</span><span style="color: #333300; font-family: Verdana; font-style: italic;">. </span><span style="color: #333300; font-family: Verdana; font-style: italic;">Berlaku</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">adillah</span><span style="color: #333300; font-family: Verdana; font-style: italic;">, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kerena</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">adil</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">itu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">lebih</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">dekat</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">dengan</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">takwa</span><span style="color: #333300; font-family: Verdana; font-style: italic;">.
Dan </span><span style="color: #333300; font-family: Verdana; font-style: italic;">bertakwalah</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kepada</span><span style="color: #333300; font-family: Verdana; font-style: italic;">
ALLAH, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">sesungguhnya</span><span style="color: #333300; font-family: Verdana; font-style: italic;">
Allah </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">Maha</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">Mengetahui</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">apa</span><span style="color: #333300; font-family: Verdana; font-style: italic;">
yang </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kerjakan</span><span style="color: #333300; font-family: Verdana; font-style: italic;">”.</span></span></div>
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<span style="font-size: small;"><br /></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">4). </span><span style="color: black; font-family: "Times New Roman";">Al-Ridha
(Kerelaan)</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Asas ini menyatakan bahwa segala transaksi yang di lakukan
harus atas dasar kerelaan antara masing-</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">masing pihak, harus didasarkan pada
kesepakatan bebas dari para pihak dan tidak boleh ada unsur </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">paksaan, tekanan,
penipuan dan mis-statemen.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Dasar hukum adanya asas kerelaan dalam pembuatan perjanjian
dapat di baca dalam Al-Qur’an surat </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">An-Nisa ayat 29, yang artinya sebagai
berikut :</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana;">“</span><span style="color: #333300; font-family: Verdana; font-style: italic;">Hai orang-orang yang beriman, janganlah kamu saling memakan
harta </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">sesamamu dengan jalan yang batil, kecuali dengan jalan perniagaan yang </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">berlaku dengan suka sama suka diantara kamu. Dan janganlah kamu </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">membunuh
dirimu, sesungguhnya ALLAH adalah Maha Penyayang kepadamu”</span><span style="color: #333300; font-family: Verdana;">.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">5). </span><span style="color: black; font-family: "Times New Roman";">Ash-Shidq (Kebenaran dan
Kejujuran)</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Bahwa di dalam Islam setiap orang dilarang melakukan
kebohongan dan penipuan, karena dengan </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">adanya </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">penipuan/kebohongan sangat
berpengaruh dengan keabsahan perjanjian/akad. Perjanjian yang di dalamnya </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">mengandung unsur kebohongan/penipuan, memberikan hak kepada pihak lain untuk
menghentikan proses </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">pelaksanaan perjanjian tersebut.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Dasar hukum kita baca dalam Al-Qur’an surat Al-Ahzab ayat
70 yang artinya adalah sebagai berikut </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana;">“</span><span style="color: #333300; font-family: Verdana; font-style: italic;">Hai orang-orang yang beriman, bertaqwalah kamu kepada Allah </span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">dan</span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">katakanlah perkataan yang benar”</span><span style="color: #333300; font-family: Verdana;">.</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">6). </span><span style="color: black; font-family: "Times New Roman";">Al-kitabah (Tertulis)</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Bahwa setiap perjanjian hendaknya dibuat secara tertulis,
lebih berkaitan demi kepentingan</span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">pembuktian jika</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> dikemudian hari terjadi
sengketa. Dalam Al-Qur’an surat Al-Baqaroh ayat 282-283 mengisyaratkan agar </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">akad yang dilakukan benar-benar berada
dalam kebaikan bagi</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">semua pihak. Bahkan juga dalam pembuatan</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> perjanjian hendaknya juga
disertai dengan adanya saksi-saksi (syahadah).</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Dasar</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">hukumnya</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dapat</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dibaca</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dalam</span><span style="color: black; font-family: "Times New Roman";"> Al Quran </span><span style="color: black; font-family: "Times New Roman";">surat</span><span style="color: black; font-family: "Times New Roman";"> Al </span><span style="color: black; font-family: "Times New Roman";">Baqarah</span><span style="color: black; font-family: "Times New Roman";"> [2]:282 yang </span><span style="color: black; font-family: "Times New Roman";">artinya</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">sebagai</span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> berikut</span><span style="color: black; font-family: "Times New Roman";"> </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">“</span><span style="color: #333300; font-family: Verdana; font-style: italic;">Hai</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">orang-orang</span><span style="color: #333300; font-family: Verdana; font-style: italic;">
yang </span><span style="color: #333300; font-family: Verdana; font-style: italic;">beriman</span><span style="color: #333300; font-family: Verdana; font-style: italic;">, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">apabila</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">bermuamalah</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">tidak</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">secara</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">tunai</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">untuk</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">waktu</span><span style="color: #333300; font-family: Verdana; font-style: italic;">
yang </span><span style="color: #333300; font-family: Verdana; font-style: italic;">di</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">tentukan</span><span style="color: #333300; font-family: Verdana; font-style: italic;">, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">hendaklah</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">menuiskannya</span><span style="color: #333300; font-family: Verdana; font-style: italic;">”.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> 7). Al </span><span style="color: black; font-family: "Times New Roman";">Amanah</span><span style="color: black; font-family: "Times New Roman";"> (</span><span style="color: black; font-family: "Times New Roman";">Asas</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">Kepercayaan</span><span style="color: black; font-family: "Times New Roman";">)</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Setiap</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">akad</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">wajib</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">di</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">laksanakan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">oleh</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">para</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">pihak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">sesuai</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dengan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kesepakatan</span><span style="color: black; font-family: "Times New Roman";"> yang </span><span style="color: black; font-family: "Times New Roman";">di</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">terapkan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">oleh</span><span style="color: black; font-family: "Times New Roman";"> yang </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">bersangkutan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">pada</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">sama</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">terhindar</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dari</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">cedera-janji</span><span style="color: black; font-family: "Times New Roman";">.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">Dasar</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">hukumnya</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dapat</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">di</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">baca</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dalam</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">surat</span><span style="color: black; font-family: "Times New Roman";"> An </span><span style="color: black; font-family: "Times New Roman";">Nisa</span><span style="color: black; font-family: "Times New Roman";">[4]:58 </span><span style="color: black; font-family: "Times New Roman";">yaitu</span><span style="color: black; font-family: "Times New Roman";"> “</span><span style="color: black; font-family: "Times New Roman";">sesungguhnya</span><span style="color: black; font-family: "Times New Roman";"> ALLAH </span><span style="color: black; font-family: "Times New Roman";">menyuruh</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kamu</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">menyampaikan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">amanat</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kepada</span><span style="color: black; font-family: "Times New Roman";"> yang </span><span style="color: black; font-family: "Times New Roman";">berhak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">menerimany</span></span><span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">a</span><span style="color: black; font-family: "Times New Roman";">”</span></span></div>
<span style="font-size: small;"><br /></span>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Al </span><span style="color: black; font-family: "Times New Roman";">Baqarah</span><span style="color: black; font-family: "Times New Roman";"> [2]:283 </span><span style="color: black; font-family: "Times New Roman";">yaitu</span><span style="color: black; font-family: "Times New Roman";"> “</span><span style="color: black; font-family: "Times New Roman";">Maka</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">hendaklah</span><span style="color: black; font-family: "Times New Roman";"> yang </span><span style="color: black; font-family: "Times New Roman";">di</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">percayai</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">itu</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">menunaikan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">amanatnya</span><span style="color: black; font-family: "Times New Roman";">”. </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Al </span><span style="color: black; font-family: "Times New Roman";">Anfal</span><span style="color: black; font-family: "Times New Roman";">[8]:27 </span><span style="color: black; font-family: "Times New Roman";">yaitu</span><span style="color: black; font-family: "Times New Roman";"> :</span></span></div>
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<span style="font-size: small;"><span style="color: #333300; font-family: Verdana; font-style: italic;">“</span><span style="color: #333300; font-family: Verdana; font-style: italic;">Janganlah</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">mengkhianati</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">amanat-amanat</span><span style="color: #333300; font-family: Verdana; font-style: italic;">
yang </span><span style="color: #333300; font-family: Verdana; font-style: italic;">dipercayakan</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kepadamu</span><span style="color: #333300; font-family: Verdana; font-style: italic;">, </span><span style="color: #333300; font-family: Verdana; font-style: italic;">sedang</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">kamu</span><span style="color: #333300; font-family: Verdana; font-style: italic;"> </span><span style="color: #333300; font-family: Verdana; font-style: italic;">mengetahui</span><span style="color: #333300; font-family: Verdana; font-style: italic;">”</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">8). </span><span style="color: black; font-family: "Times New Roman";">Iktiyati</span><span style="color: black; font-family: "Times New Roman";"> (</span><span style="color: black; font-family: "Times New Roman";">kehati-hatian</span><span style="color: black; font-family: "Times New Roman";">)</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">Setiap</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">akad</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dilakukajn</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dengan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">pertimbangan</span><span style="color: black; font-family: "Times New Roman";"> yang </span><span style="color: black; font-family: "Times New Roman";">matang</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dilaksanakan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">secara</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">tepat</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">cermat</span><span style="color: black; font-family: "Times New Roman";">.</span></span></div>
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<span style="font-size: small;"> <span style="color: black; font-family: "Times New Roman";">9). </span><span style="color: black; font-family: "Times New Roman";">Kemampuan</span><span style="color: black; font-family: "Times New Roman";">
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">Setiap</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">akad</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dilakukan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dengan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kemampuan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">para</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">pihak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">sehingga</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">tidak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">menjadi</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">beban</span><span style="color: black; font-family: "Times New Roman";"> yang </span><span style="color: black; font-family: "Times New Roman";">berlebihan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">bagi</span><span style="color: black; font-family: "Times New Roman";"> yang </span><span style="color: black; font-family: "Times New Roman";">bersangkutan</span><span style="color: black; font-family: "Times New Roman";">.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">10). </span><span style="color: black; font-family: "Times New Roman";">Transparasi</span><span style="color: black; font-family: "Times New Roman";">
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">Setiap</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">akad</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dilakukan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dengan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">pertanggung</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">jawaban</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">para</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">pihak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">secara</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">terbuka</span><span style="color: black; font-family: "Times New Roman";">.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">11). </span><span style="color: black; font-family: "Times New Roman";">Taisir</span><span style="color: black; font-family: "Times New Roman";">/</span><span style="color: black; font-family: "Times New Roman";">Kemudahan</span><span style="color: black; font-family: "Times New Roman";"> </span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">Setiap</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">akad</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dilakukan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dengan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">cara</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">saling</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">memberi</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kemudahan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kepada</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">masing-masing</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">pihak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">untuk</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dapat</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">melaksanakannya</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">sesuai</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dengan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kesepakatan</span><span style="color: black; font-family: "Times New Roman";">.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">12). </span><span style="color: black; font-family: "Times New Roman";">Iktikad</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">baik</span><span style="color: black; font-family: "Times New Roman";">
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">Akad</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dilakukan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dalam</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">rangka</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">menegakkan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">kemaslahatan</span><span style="color: black; font-family: "Times New Roman";">, </span><span style="color: black; font-family: "Times New Roman";">tidak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">mengandung</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">unsur</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">jebakan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">perbuatan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">buruk</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">lainnya</span><span style="color: black; font-family: "Times New Roman";">.</span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";">13). </span><span style="color: black; font-family: "Times New Roman";">Sebab</span><span style="color: black; font-family: "Times New Roman";"> yang </span><span style="color: black; font-family: "Times New Roman";">Halal</span><span style="color: black; font-family: "Times New Roman";">
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<span style="font-size: small;"><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">Tidak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">bertentangan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dengan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">hukum</span><span style="color: black; font-family: "Times New Roman";">, </span><span style="color: black; font-family: "Times New Roman";">tidak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">di</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">larang</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">oleh</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">hukum</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">dan</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">tidak</span><span style="color: black; font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Times New Roman";">haram</span><span style="color: black; font-family: "Times New Roman";">. </span></span></div>
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Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com1tag:blogger.com,1999:blog-3575402762690567648.post-57877396130191520772013-01-06T10:52:00.001-08:002013-01-06T10:52:54.760-08:00PRINSIP DASAR YANG DITERAPKAN SYARA'<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><span style="color: #333300; font-family: Aharoni;"></span></span><br />
<ol style="text-align: left;">
<li><span style="font-size: large;"><span><span style="color: #999933;"></span></span><span style="color: #333300; font-family: Arial;">Setiap transaksi dasarnya mengikat orang (pihak) yang melaksanakan transaksi,<span> </span>kecuali apabila
transaksi itu menyimpang dari hukum syara’.</span></span></li>
<li><span style="font-size: large;"><span style="color: #333300; font-family: Arial;"></span></span><span style="font-size: large;"><span style="color: #333300; font-family: Arial;">Syarat-syarat transaksi di rancang dan di laksanakan secara
bebas tetapi penuh tanggung jawab ,tidak menyimpang dari huku syara’ dan adap
sopan santun.</span></span></li>
<li><span style="font-size: large;"><span style="color: #333300; font-family: Arial;"></span></span><span style="font-size: large;"><span style="color: #333300; font-family: Arial;">Setiap transaksi dilakukan secara sukarela, tanpa ada paksaan
dari pihak manapun.</span></span></li>
<li><span style="font-size: large;"><span style="color: #333300; font-family: Arial;"></span></span><span style="font-size: large;"><span style="color: #333300; font-family: Arial;">Islam mewajibkan agar setiap transaksi, di landasi dengan
niat yang baik dan ikhlas karena allah SWT.</span></span></li>
<li><span style="font-size: large;"><span style="color: #333300; font-family: Arial;"></span></span><span style="font-size: large;"><span style="color: #333300; font-family: Arial;">Adat kebiasaan atau ‘urf yang tidak menyimpang dari syara’,
boleh di gunakan untuk menentukan batasan atau kriteria-kriteria dalam
transaksi.</span></span></li>
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Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com0tag:blogger.com,1999:blog-3575402762690567648.post-77102188834504368292013-01-06T10:45:00.001-08:002013-01-06T10:45:26.490-08:00DASAR PERUNDANG-UNDANGAN<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: large;"><span style="color: #333300; font-family: "Times New Roman";">P</span><span style="color: #333300; font-family: "Times New Roman";">enerapan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">syariah</span><span style="color: #333300; font-family: "Times New Roman";"> Islam </span><span style="color: #333300; font-family: "Times New Roman";">dalam</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">tata</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">hukum</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">positif</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">di</span><span style="color: #333300; font-family: "Times New Roman";"> Indonesia </span><span style="color: #333300; font-family: "Times New Roman";">sebenarnya</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">te</span><span style="color: #333300; font-family: "Times New Roman";">l</span><span style="color: #333300; font-family: "Times New Roman";">ah </span><span style="color: #333300; font-family: "Times New Roman";">memperoleh</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">tempat</span><span style="color: #333300; font-family: "Times New Roman";"> yang </span><span style="color: #333300; font-family: "Times New Roman";">cukup</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">signifikan</span><span style="color: #333300; font-family: "Times New Roman";">. </span></span></div>
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<ol style="text-align: left;">
<li><span style="font-size: large;"><span><span style="color: #999933;"></span></span><span style="color: #333300; font-family: "Times New Roman";">Konstitusi</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">Indonesia </span><span style="color: #333300; font-family: "Times New Roman";">telah</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">memberikan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">jaminan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">kemerdekaan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">bagi </span></span><span style="font-size: large;"><span style="color: #333300; font-family: "Times New Roman";">setiap</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">penduduk</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">untuk</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">memeluk</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">dan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">beribadah</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">menurut</span></span><span style="font-size: large;"><span style="color: #333300; font-family: "Times New Roman";"></span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";"></span><span style="color: #333300; font-family: "Times New Roman";"></span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">agamanya masing-masing</span><span style="color: #333300; font-family: "Times New Roman";"> yang </span><span style="color: #333300; font-family: "Times New Roman";">tercantum</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">dalm</span><span style="color: #333300; font-family: "Times New Roman";"> UUD RI 1945 </span><span style="color: #333300; font-family: "Times New Roman";">Pasal</span><span style="color: #333300; font-family: "Times New Roman";"> 29 </span><span style="color: #333300; font-family: "Times New Roman";">ayat</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">2 </span></span></li>
<li><span style="font-size: large;"><span style="color: #333300; font-family: "Times New Roman";"> </span></span><span style="font-size: large;"><span style="color: #333300; font-family: "Times New Roman";">KUH </span><span style="color: #333300; font-family: "Times New Roman";">Perdata</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">1338 </span></span><div style="text-align: left;">
<span style="font-size: large;"><span style="color: #333300; font-family: "Times New Roman";">S</span><span style="color: #333300; font-family: "Times New Roman";">istem</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">hukum</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">nasional</span><span style="color: #333300; font-family: "Times New Roman";"> Indonesia </span><span style="color: #333300; font-family: "Times New Roman";">telah</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">memberikan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">jaminan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">kebebasan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">bagi</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">setiap</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">individu</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">untuk</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">menentukan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">sendiri</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">hukum</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">apa</span><span style="color: #333300; font-family: "Times New Roman";"> yang </span><span style="color: #333300; font-family: "Times New Roman";">diberlakukan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">bagi</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">dirinya</span><span style="color: #333300; font-family: "Times New Roman";">. </span><span style="color: #333300; font-family: "Times New Roman";">Jadi</span><span style="color: #333300; font-family: "Times New Roman";">, </span><span style="color: #333300; font-family: "Times New Roman";">tidak</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">ada</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">halangan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">sedikitpun</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">jika</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">kaum</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">muslimin</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">menghendaki</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">pemberlakuan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">syariah</span><span style="color: #333300; font-family: "Times New Roman";"> Islam </span><span style="color: #333300; font-family: "Times New Roman";">dalam</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">hubungan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">keperdataan</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">di</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">antara</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">sesama</span><span style="color: #333300; font-family: "Times New Roman";"> </span><span style="color: #333300; font-family: "Times New Roman";">mereka</span><span style="color: #333300; font-family: "Times New Roman";">.</span></span></div>
</li>
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Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com0tag:blogger.com,1999:blog-3575402762690567648.post-80983568707180591142013-01-06T10:24:00.000-08:002013-01-06T10:24:19.548-08:00STRUKTUR ORGANISASI<div dir="ltr" style="text-align: left;" trbidi="on">
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Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com0tag:blogger.com,1999:blog-3575402762690567648.post-76990174260640937852013-01-06T10:04:00.003-08:002013-01-06T10:11:21.613-08:00DOKUMENTASI 2011<div dir="ltr" style="text-align: left;" trbidi="on">
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Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com0tag:blogger.com,1999:blog-3575402762690567648.post-28398908504296581852013-01-06T09:29:00.000-08:002013-01-06T09:29:37.889-08:00DASAR MU'AMALAH<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: large;"><span style="color: #333300; font-family: "Times New Roman"; font-weight: bold;">“</span><span style="color: #333300; font-family: "Times New Roman"; font-style: italic;">Hai
orang-orang yang beriman, apabila kamu bermua’malah tidak secara tunai untuk
waktu yang di tentukan, hendaklah kamu menuliskannya. Dan hendaklah seorang
penulis diantara kamu menuliskannya dengan benar....”</span><span style="color: #333300; font-family: "Times New Roman";"><br />
(QS. Al-Baqarah 282)</span></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com0tag:blogger.com,1999:blog-3575402762690567648.post-84578604096735812502012-12-28T00:12:00.016-08:002013-01-20T23:17:15.062-08:00TABUNGAN<div dir="ltr" style="text-align: left;" trbidi="on">
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JENIS <b>TABUNGAN</b></div>
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<br /></div>
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<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TASMIA (tabungan syari’ah mitra usaha anda)</div>
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Jenis tabungan bebas riba dengan prinsip
mudharabah (bagi hasil) yang memberikan keuntungan bagi penabung. Dapat diambil
sewaktu-waktu dan sesuai kemampuan, artinya berapapun besarnya simpanan akan
dilayani sepenuh hati.</div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>T-SYAR’I (tabungan syari’ah religi)</div>
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Jenis tabungan bebas riba dengan prinsip
mudharabah (bagi hasil) yang menampung dana kegiatan-kegiatan religi nasabah. Seperti:
qurban, aqiqah, ziarah, umrah maupun haji.</div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TASDIK (tabungan syari’ah pendidikan)</div>
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Jenis tabungan bebas riba dengan prinsip
mudharabah (bagi hasil) yang mengedepankan pendidikan usia dini guna
merencanakan masa depan yang gemilang.<br />
<br />
Deposito Berjangka Wadi'ah<br />
deposito berjangka pada dasarnya adalah bentuk tabungan berjangka yang pengambilannya sesuai dengan kesepakatan bersama.<br />
Jangka waktu nisbah bagi hasil yang dapat dipilih :<br />
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No</div>
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Jangkan Waktu</div>
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Nisbah bagi hasil</div>
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NASABAH</div>
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UJKS</div>
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1</div>
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3 Bulan</div>
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40 %</div>
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60 %</div>
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2</div>
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6 Bulan </div>
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45 %</div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin: 0cm;">
55 %</div>
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3</div>
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1 Tahun</div>
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<div class="MsoNormal" style="margin-bottom: .0001pt; margin: 0cm;">
50 %</div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin: 0cm;">
50 %</div>
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<br />
bebas biaya dan manfaat ganda, karena dapat dijadikan sebagai agunan pijaman. <br />
</div>
</div>
Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com0tag:blogger.com,1999:blog-3575402762690567648.post-15378470921683102062012-12-27T00:28:00.002-08:002013-01-06T09:11:55.692-08:00Sekilas tentang KOCIKA “Mitra Usaha” STIENU Jepara<div dir="ltr" style="text-align: left;" trbidi="on">
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Unit Jasa Keuangan Syari’ah (UJKS)</div>
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Koperasi Civitas Akademika<span style="mso-spacerun: yes;">
</span>(kocika)</div>
<div class="MsoNormal">
MITRA USAHA</div>
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<i style="mso-bidi-font-style: normal;">tarbiyah, sidqoh,
amanah.</i></div>
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SEKOLAH TINGGI ILMU EKONOMI NAHDLATUL ULAMA (STIENU) JEPARA</div>
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<br /></div>
<div class="MsoNormal">
<b>Sekilas tentang KOCIKA “Mitra Usaha” STIENU Jepara</b></div>
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<br /></div>
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Koperasi adalah badan usaha yang beranggotakan orang-orang
atau badan hukum koperasi dengan melandaskan kegiatannya berdasarkan prinsip
koperasi sekaligus sebagai gerakan ekonomi rakyat yang berdasarkan asas
kekeluargaan. Koperasi bertujuan untuk menyejahterakan anggotanya.</div>
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Tahun 2004 merupakan cikal bakal berdirinya koperasi civitas
akademika “STIENU” Jepara. Pada awalnya koperasi ini berbentuk Koperasi
Karyawan (KOPAR). Seiring dengan perkembangannya, pada tahun 2008 kopar dilebur
dengan Koperasi Mahasiswa (KOPMA) menjadi Koperasi Civitas Akademika (KOCIKA)
dengan badan hukum Nomor : 518/203/BH/XIV.10/VII/2008 tanggal 07 Agustus 2008. KOCIKA
“Mitra Usaha” memiliki 2 jenis usaha yaitu pertokoan<span style="mso-spacerun: yes;"> </span>dan jasa simpan pinjam.</div>
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Sesuai Undang-Undang No. 25 tahun 1992 pasal 4 diantara
fungsi dan peran koperasi adalah berperan serta secara aktif dalam upaya
mempertinggi kualitas kehidupan manusia dan masyarakat. Dengan dasar tersebut, KOCIKA
“Mitra Usaha” STIENU Jepara berusaha mengombinasikan dengan syari’at agama dan
menerapkannya dengan mendirikan unit jasa keuangan syari’ah. </div>
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Unit jasa keuangan syari’ah diharapkan mampu memberikan
uswatun hasanah bagi masyarakat dengan prinsip tarbiyah, sidqoh, amanah.</div>
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<br /></div>
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VISI</div>
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Terwujudnya masyarakat yang cerdas dan produktif sesuai
syari’ah.</div>
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<br /></div>
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MISI</div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Mendorong munculnya semangat wirausaha yang
berjiwa syari’ah.</div>
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<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Menumbuhkembangkan semangat menabung untuk masa
depan yang lebih baik.</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Meningkatkan semangat hidup hemat.</div>
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<br /></div>
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Anonymoushttp://www.blogger.com/profile/12286086298589700853noreply@blogger.com0tag:blogger.com,1999:blog-3575402762690567648.post-72393343270270796922012-12-14T08:19:00.000-08:002013-01-06T09:15:09.631-08:00Aspek Substantif & Filosofis: Falsafah Ekonomi Syariah sebagai Landasan Filosofis Perbankan Syariah <div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span lang="EN-GB" style="font-family: "Cambria","serif";"> </span></b><span style="color: black; font-family: "Times New Roman"; font-size: 13.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;"> K</span><span style="color: black; font-family: "Times New Roman"; font-size: 13.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">esuksesan
yang hakiki</span><span style="color: black; font-family: "Times New Roman"; font-size: 13.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">
</span><span style="color: black; font-family: "Times New Roman"; font-size: 12.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">dalam berekonomi </span><span style="color: black; font-family: "Times New Roman"; font-size: 12.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">berupa tercapainya </span><span style="color: black; font-family: "Times New Roman"; font-size: 12.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">kesejahteraan yang mencakup
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pada tingkatan individu dan masyarakat </span><span style="color: black; font-family: "Times New Roman"; font-size: 12.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">(falah)</span><span style="color: black; font-family: "Times New Roman"; font-size: 12.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">. </span></div>
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<br /></div>
<div class="MsoNormal">
<b><span lang="EN-GB" style="font-family: "Cambria","serif";">Tiga Pilar Ekonomi Syariah:</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-bidi-font-family: Cambria; mso-bidi-theme-font: major-latin; mso-fareast-font-family: Cambria; mso-fareast-theme-font: major-latin; mso-hansi-theme-font: major-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span lang="EN-GB" style="font-family: "Cambria","serif"; mso-ansi-language: EN-GB; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">aktifitas ekonomi
yang <b>berkeadilan</b> dg menghindari eksploitasi berlebihan, excessive
hoardings/ unproductive, spekulatif, dan kesewenang-wenangan. </span><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-bidi-font-family: Cambria; mso-bidi-theme-font: major-latin; mso-fareast-font-family: Cambria; mso-fareast-theme-font: major-latin; mso-hansi-theme-font: major-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span lang="EN-GB" style="font-family: "Cambria","serif"; mso-ansi-language: EN-GB; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">adanya <b>keseimbangan</b>
aktivitas di sektor riil-finansial, pengelolaan risk-return, aktivitas
bisnis-sosial, aspek spiritual-material & azas manfaat-kelestarian
linkungan</span><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;"></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-bidi-font-family: Cambria; mso-bidi-theme-font: major-latin; mso-fareast-font-family: Cambria; mso-fareast-theme-font: major-latin; mso-hansi-theme-font: major-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span lang="EN-GB" style="font-family: "Cambria","serif"; mso-ansi-language: EN-GB; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Orientasi pada kemaslahatan
yg berarti melindungi keselamatan kehidupan beragama, proses regenarasi, serta
perlindungan keselamatan jiwa, harta dan akal.</span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -18pt;">
<span lang="EN-GB" style="font-family: "Cambria","serif";"> </span>
</div>
<div style="direction: ltr; language: id; margin-bottom: 0pt; margin-left: .13in; margin-top: 8.13pt; tab-stops: left 9.25pt left 81.25pt left 153.25pt left 225.25pt left 297.25pt left 369.25pt left 441.25pt left 513.25pt left 585.25pt left 657.25pt left 729.25pt left 801.25pt; text-align: left; text-indent: -.13in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Times New Roman"; font-size: 13.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">Fondasi
Ekonomi Syariah:</span><span style="color: black; font-family: "Times New Roman"; font-size: 13.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;"> </span></div>
<div style="direction: ltr; language: id; margin-bottom: 0pt; margin-left: .13in; margin-top: 6.88pt; tab-stops: left 9.25pt left 81.25pt left 153.25pt left 225.25pt left 297.25pt left 369.25pt left 441.25pt left 513.25pt left 585.25pt left 657.25pt left 729.25pt left 801.25pt; text-align: left; text-indent: -.13in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">Meletakkan tata
hubungan bisnis dalam konteks </span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">kebersamaan universal (ukhuwah)</span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;"><span style="mso-spacerun: yes;"> </span>untuk mencapai kesuksesan bersama. </span></div>
<div style="direction: ltr; language: id; margin-bottom: 0pt; margin-left: .13in; margin-top: 6.88pt; tab-stops: left 9.25pt left 81.25pt left 153.25pt left 225.25pt left 297.25pt left 369.25pt left 441.25pt left 513.25pt left 585.25pt left 657.25pt left 729.25pt left 801.25pt; text-align: left; text-indent: -.13in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">Kaidah2
hukum muamalah (syariah) di bidang ekonomi </span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">yang membimbing aktivitas ekonomi shg selalu sesuai dgn
syariah. </span></div>
<div style="direction: ltr; language: id; margin-bottom: 0pt; margin-left: .13in; margin-top: 6.88pt; tab-stops: left 9.25pt left 81.25pt left 153.25pt left 225.25pt left 297.25pt left 369.25pt left 441.25pt left 513.25pt left 585.25pt left 657.25pt left 729.25pt left 801.25pt; text-align: left; text-indent: -.13in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">Budi
pekerti (akhlak)</span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;"> yang membimbing
aktivitas ekonomi senantiasa mengedepankan kebaikan sbg cara mencapai tujuan.</span></div>
<div style="direction: ltr; language: id; margin-bottom: 0pt; margin-left: .13in; margin-top: 6.88pt; tab-stops: left 9.25pt left 81.25pt left 153.25pt left 225.25pt left 297.25pt left 369.25pt left 441.25pt left 513.25pt left 585.25pt left 657.25pt left 729.25pt left 801.25pt; text-align: left; text-indent: -.13in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; font-weight: bold; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">Ketuhanan
Yang Maha Esa (akidah)</span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;"> yg menimbulkan
kesadaran bahwa setiap aktivitas manusia memiliki akuntabilitas ketuhanan
sehingga menumbuhkan integritas yg sejalan dg prinsip GCG dan </span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; font-style: italic; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">market
discipline</span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: 굴림; mso-font-kerning: 12.0pt;">.</span><span style="color: black; font-family: "Times New Roman"; font-size: 11.0pt; language: en-GB; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: +mn-cs; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span></div>
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<br /></div>
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<br /></div>
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<br /></div>
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