Sistem Ekonomi Islam Dan Etos Kerja Islam

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charscalex100
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\lang33 \langnp33 \langfe1033
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expndtw-4 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 0}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps1 :}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
\af5 \loch \f5 \charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ).}{\
langfe1033 \langfenp1033 \par }\pard \plain \ql \li0 \ri0 \sb0 \sa0 \sl264 \slmult1
\nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\fs22 \rtlch
langfenp1033 \sect }\sectd \sbkpage \pgwsxn9080 \pghsxn13610 \marglsxn1020 \
pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \s19 \qj \fi566 \li113 \ri110 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Berdasarkan pendapat-pendapat
di atas, dapat disimpulkan bahwa yang dimaksud dengan sistem ekonomi Islam adalah
sekumpulan dasar-dasar umum ekonomi yang disimpulkan dari al- Qur\uc1 \u8223 ?an
dan sunnah, dan merupakan bangunan perekonomian yang didirikan di atas landasan
dasar-dasar tersebut sesuai dengan kondisi lingkungan dan masa tertentu.}{\fs22 \
langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \fi566 \li113 \ri110 \sb2 \sa0
\sl264 \slmult1 \nowidctlpar \adjustright \lin113 \rin110 \itap0 \fs22 \rtlch \
langfenp1033 {\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 Menurut Halide, pendekatan Islam dalam
masalah ekonomi berbeda dengan pendekatan kebijakan ekonomi yang berasal dari
Barat, karena kebijakan ekonomi Barat berdasarkan perhitungan meterialistik dan
sedikit sekali memasukkan pertimbangan moral agama. Pendekatan Islam dalam ekonomi,
antara lain:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-284 \
li396 \ri117 \sb1 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin396 \rin117 \
tql \tx397 \itap0 \ls3 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
langfe1033 \langfenp1033 \f2 1.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Konsumsi
manusia dibatasi sampai pada tingkat yang perlu dan bermanfaat bagi kehidupan}{\
scaps0 manusia}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
li396 \ri0 \sb0 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin396 \rin0 \tql \
tx397 \itap0 \ls3 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \fs22 \rtlch \
langfenp1033 \f2 2.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Alat pemuas dan
kebutuhan manusia harus}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \expnd-10 \expndtw-10 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\
langfe1033 \langfenp1033 \scaps0 seimbang.}{\fs22 \rtlch \alang1025 \ltrch \dbch \
plain \s16 \qj \fi-284 \li396 \ri110 \sb23 \sa0 \sl264 \slmult1 \nowidctlpar \
loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 3.\tab }{\fs22 \rtlch \
langfenp1033 Dalam pengaturan distribusi dan sirkulasi barang dan jasa, nilai-
nilai moral harus}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 ditegakkan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-284
\li396 \ri112 \sb2 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin396 \rin112 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Pemerataan
pendapatan dilakukan dengan mengingat bahwa sumber kekayaan seseorang yang
diperoleh berasal dari usaha yang}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 halal}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain
\s16 \qj \fi-284 \li396 \ri112 \sb0 \sa0 \sl264 \slmult1 \nowidctlpar \
langfenp1033 Zakat sebagai sarana distribusi pendapatan dan peningkatan taraf hidup
golongan miskin merupakan alat yang ampuh (Ali,}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 1}{\fs22 \rtlch \
langfenp1033 \scaps0 986:5).}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s2 \
lin396 \rin0 \tql \tx397 \itap0 \outlinelevel2 \ls4 \b1 \fs22 \rtlch \alang1025 \
{\listtext \pard \plain \b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 2.\tab }{\b1 \fs22 \rtlch
langfenp1033 \scaps0 Nilai Dasar dan Instrumental Ekonomi}{\b1 \fs22 \rtlch \
alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-6
\expndtw-6 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\b1 \fs22 \rtlch
langfenp1033 \scaps0 Islam}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
qj \fi566 \li113 \ri109 \sb26 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \
lin113 \rin109 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Nilai-
nilai dasar ekonomi Islam sebagai implikasi dari asas filsafat tauhid ada tiga,
yaitu:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-284 \li396 \
ri0 \sb0 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin396 \rin0 \tql \tx397 \
itap0 \ls4 \ilvl1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
langfenp1033 \f5 a.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Kepemilikan}{\fs22 \rtlch \
langfenp1033 \par }\pard \plain \s19 \qj \fi566 \li113 \ri108 \sb23 \sa0 \sl264 \
slmult1 \nowidctlpar \adjustright \lin113 \rin108 \itap0 \fs22 \rtlch \alang1025 \
{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \
langfe1033 \langfenp1033 Kepemilikan oleh manusia bukanlah penguasaan mutlak
terhadap sumber-sumber ekonomi, sebab sesungguhnya segala sesuatu yang ada di dunia
adalah milik Allah. Manusia hanya berhak mengurus dan memanfaatkannya sesuai dengan
aturan Allah. Kepe- milikan perorangan tidak boleh meliputi sumber-sumber ekonomi
yang menyangkut kepentingan hajat hidup orang banyak, tetapi menjadi milik umum
atau negara. Hal ini didasarkan pada hadis Nabi SAW yang diriwayatkan oleh Ahmad
dan Abu Daud berikut ini:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \ql \fi0 \
li254 \ri0 \sb1 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin254 \rin0 \itap0
\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \
af7 \loch \f7 \lang33 \langnp33 \langfe1033 \langfenp1033 \uc1 \u8220 ?Semua orang
berserikat (memiliki kepemilikan bersama) dalam tiga hal, yaitu: rumput, air, dan
api.\uc1 \u8221 ?}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af7 \loch \
f7 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \ql \fi566 \
li113 \ri186 \sb140 \sa0 \sl261 \slmult1 \nowidctlpar \adjustright \lin113 \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Ketiga sumber
daya alam itu kini dikiaskan pada minyak dan gas bumi, barang tambang, dan
kebutuhan pokok}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 lainnya.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \ql \li0 \ri0 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \sect }\sectd \sbkpage \
pgwsxn9080 \pghsxn13610 \marglsxn1020 \margrsxn1020 \margtsxn1040 \margbsxn860 \
guttersxn0 \headery0 \footery672 \pgbrdropt32 \sectdefaultcl \endnhere \pard \plain
\s16 \qj \fi-284 \li396 \ri0 \sb84 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \
lin396 \rin0 \tql \tx397 \itap0 \ls4 \ilvl1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \
pard \plain \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33
\langnp33 \langfe1033 \langfenp1033 \f5 b.\tab }{\fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033
Keseimbangan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \fi566 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Keseimbangan merupakan
nilai dasar yang mempengaruhi berbagai aspek tingkah laku ekonomi seorang Muslim.
Asas keseimbangan ini, misalnya, terwujud dalam kesederhanaan, hemat, dan
menjauhi pemborosan.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \qj \fi0 \li254 \
af7 \loch \f7 \lang33 \langnp33 \langfe1033 \langfenp1033 \uc1 \u8220 ?Orang-orang
yang apabila membelanjakan (harta), mereka tidak berlebih- lebihan dan tidak (pula)
kikir. Adalah (pembelanjaan ideal itu) di tengah-tengah antara yang demikian itu\
uc1 \u8221 ? }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af7 \loch \f7 \
lang33 \langnp33 \langfe1033 \langfenp1033 (Q.S.}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 al-Furqan:67).}{\fs22 \rtlch \
langfe1033 \langfenp1033 Keseimbangan yang dimaksud adalah keseimbangan antara
kepentingan dunia dan akhirat, keseimbangan antara kepentingan individu dengan
kepentingan umum, dan keseimbangan antara hak dan kewajiban.}{\fs22 \rtlch \
langfenp1033 \par }\pard \plain \s16 \qj \fi-284 \li396 \ri0 \sb0 \sa0 \sl240 \
slmult1 \nowidctlpar \adjustright \lin396 \rin0 \tql \tx397 \itap0 \ls4 \ilvl1 \
langfe1033 \langfenp1033 {\listtext \pard \plain \fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 c.\
tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 Keadilan}{\fs22 \rtlch \alang1025 \ltrch \dbch \
plain \s19 \qj \fi566 \li113 \ri107 \sb26 \sa0 \sl264 \slmult1 \nowidctlpar \
adjustright \lin113 \rin107 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\fs22 \rtlch \
langfenp1033 Keadilan harus diterapkan di semua bidang ekonomi dalam proses
produksi, konsumsi maupun distribusi. Selain itu, keadilan juga harus menjadi alat
pengatur efisiensi dan pemberantas pemborosan.}{\fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\
pard \plain \qj \fi0 \li254 \ri251 \sb19 \sa0 \sl240 \slmult1 \nowidctlpar \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\i1 \fs22 \
langfe1033 \langfenp1033 \uc1 \u8220 ?Jika Kami hendak membinasakan suatu negeri,
maka Kami perintahkan kepada orang-orang yang hidup mewah di negeri itu (agar
menaati Allah), tetapi mereka melakukan kedurhakaan di negeri itu\uc1 \u8221 ? }{\
langfe1033 \langfenp1033 (Q.S. al-Isra\uc1 \u8217 ?:16).}{\fs22 \rtlch \alang1025 \
par }\pard \plain \s19 \qj \fi566 \li113 \ri111 \sb178 \sa0 \sl264 \slmult1 \
nowidctlpar \adjustright \lin113 \rin111 \itap0 \fs22 \rtlch \alang1025 \ltrch \
langfe1033 \langfenp1033 Keadilan juga berarti kebijaksanaan dalam mengalokasikan
sejumlah kecil kegiatan ekonomi tertentu bagi orang yang tidak mampu memasuki
pasar, yaitu melalui zakat, infak, dan sedekah kepada orang miskin, yang tidak
ditentukan jenis, jumlah maupun waktunya.}{\fs22 \rtlch \alang1025 \ltrch
\dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 Ket}{\fs22 \rtlch \
langfenp1033 g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch \
langfenp1033 il}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\
\langfe1033 \langfenp1033 dasa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 omi}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 I}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 sl}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \
langfe1033 \langfenp1033 it}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \
langfe1033 \langfenp1033 r}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch \
langfe1033 \langfenp1033 S}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 e}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 fu}{\fs22 \rtlch \
langfe1033 \langfenp1033 d}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 in (}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 da}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033
Ali,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd2 \
expndtw2 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \
\langfe1033 \langfenp1033 \scaps0 7)}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 ,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 u}{\fs22 \
expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 p}{\fs22 \rtlch \
alang1025
\ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \expnd-1 \expndtw-1 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 aka}{\fs22 \rtlch \alang1025 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 angk}{\fs22 \rtlch \alang1025 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 n}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 il}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 \scaps0 -n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 il}{\fs22 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 i}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ns}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 \scaps0 r}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 umenta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 l}{\
langnp33 \langfe1033 \langfenp1033 \scaps0 d}{\fs22 \rtlch \alang1025 \ltrch \
scaps0 ri }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 \scaps0 e}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langfe1033 \langfenp1033 \scaps0 k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
o}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
langnp33 \langfe1033 \langfenp1033 \scaps0 omi}{\fs22 \rtlch \alang1025 \ltrch \
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 I}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 sl}{\fs22 \rtlch \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \
s19 \qj \fi0 \li113 \ri111 \sb0 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \
\langfe1033 \langfenp1033 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 b}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 e}{\fs22 \rtlch \alang1025 \ltrch \dbch
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 j}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 uml}{\fs22 \rtlch \
langfenp1033 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \dbch
2 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033
\langfenp1033 u:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 za}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 at}{\
lang33 \langnp33 \langfe1033 \langfenp1033 ,}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 la}{\
lang33 \langnp33 \langfe1033 \langfenp1033 r}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 anga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 n}{\fs22 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \
langfe1033 \langfenp1033 k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 rjas}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ja}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \dbch
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 na}{\
lang33 \langnp33 \langfe1033 \langfenp1033 n }{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 al}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ,}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 da}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 p}{\fs22 \rtlch
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ana}
charscalex100 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 g}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 .}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 Kel}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ima}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 il}{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch
langfe1033 \langfenp1033 u}{\fs22 \rtlch
\alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33
\langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nta}
lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 ate}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 is}{\fs22 \
langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i m}{\fs22 \
langfe1033 \langfenp1033 mp}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ngar}
langfe1033 \langfenp1033 hi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 ngk}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-4 \expndtw-4 \lang33 \langnp33 \langfe1033 \langfenp1033 -}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 lak}{\fs22 \rtlch \
langfe1033 \langfenp1033 u}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 omi}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 seo}{\fs22 \rtlch \
alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \expnd1 \expndtw1 \
\langfe1033 \langfenp1033 an}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 g}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 Mu}{\fs22 \rtlch \alang1025 \
langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 im,}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 sya}
\langfe1033 \langfenp1033 aka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 , }{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 mb}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 angun}{\fs22 \rtlch \alang1025 \ltrch \
langfe1033 \langfenp1033 omi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 d}{\
lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033
umumny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 (}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Ali,}{\fs22 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 :9}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 )}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 .}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \ql \
li0 \ri0 \sb0 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \
\s2 \qj \fi-284 \li396 \ri217 \sb84 \sa0 \sl266 \slmult1 \nowidctlpar \
adjustright \lin396 \rin217 \tql \tx397 \itap0 \outlinelevel2 \ls4 \b1 \fs22 \rtlch
\alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \
langfenp1033 {\listtext \pard \plain \b1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 3.\tab }
{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 Perbedaan Sistem Ekonomi Islam dengan Sistem
Ekono- mi Kapitalis dan Sistem Ekonomi}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \expnd-6 \expndtw-6 \lang33 \langnp33 \langfe1033 \
langfenp1033 }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Sosialis}{\b1 \fs22 \rtlch \
langfe1033 \langfenp1033 Jika dipandang semata-mata dari tujuan dan prinsip
ekonomi, maka tidak ada perbedaan antara sistem ekonomi Islam dengan sistem ekonomi
lain. Sebab menurut Daud Ali, semua sistem ekonomi, termasuk sistem ekonomi Islam,
memiliki tujuan yang sama, yaitu mengupayakan pemuasan atas berbagai keperluan
hidup, baik hajat hidup pribadi maupun hajat hidup masyarakat secara keseluruhan.
Di samping itu, setiap sistem ekonomi bekerja di atas motif ekonomi yang sama,
yaitu berusaha mencapai hasil sebesar- besarnya dengan tenaga dan ongkos}{\fs22 \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 seminim-
minimnya.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Namun jika dilihat dari
perbedaan keperluan hidup yang harus dipenuhi, terdapat perbedaan dalam upaya
mencapai tujuan, terutama dalam pelaksanaan prinsip ekonomi. Karena perbedaan-
perbedaan itu pula, muncul beragam sistem ekonomi yang mempengaruhi pemikiran dan
kegiatan ekonomi manusia sekarang ini, yaitu sistem ekonomi kapitalis dan sosialis.
Disamping dua sistem itu, kini sedang dikembangkan sistem ekonomi}{\fs22 \rtlch \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Islam.}{\fs22 \
lang33 \langnp33 \langfe1033 \langfenp1033 Sistem ekonomi Islam sangat berbeda dari
ekonomi kapitalis maupun sosialis. Ekonomi Islam juga tidak berada di antara
keduanya, karena ia sangat bertolak-belakang dengan sistem ekonomi kapitalis yang
lebih bersifat individual, dan sistem ekonomi sosialis yang memberikan hampir semua
tanggung-jawab kepada warganya. Ekonomi Islam menetapkan bentuk perdagangan serta
penentuan yang boleh dan tidak boleh ditransaksikan.}{\fs22 \rtlch \alang1025 \
lang33 \langnp33 \langfe1033 \langfenp1033 Sis}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 te}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \
langfenp1033 Isl}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 da}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025
\lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch \alang1025 \ltrch \dbch
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 te}{\fs22 \rtlch \
loch \f5 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 o}{\
langfe1033 \langfenp1033 ndi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 dan terl}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 dar}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 -}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 is}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 te}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 mi}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 la}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nny}
langfe1033 \langfenp1033 .}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Ad}
\langfenp1033 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 g m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch \alang1025 \ltrch \
langfe1033 \langfenp1033 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 n}{\fs22 \rtlch \alang1025 \ltrch \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 la}{\fs22 \rtlch \alang1025 \
langfenp1033 de}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ga}{\fs22 \rtlch \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 is}{\
\langfe1033 \langfenp1033 -s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 omi }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 nny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\lang33 \langnp33 \langfe1033 \langfenp1033 se}{\fs22 \rtlch \alang1025 \ltrch \
agaim}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ungka}{\fs22 \
rtlch \alang1025
\ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \
langfe1033 \langfenp1033 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 S}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\fs22 \rtlch \
langfenp1033 da}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 L}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 bis,}{\fs22 \rtlch \alang1025 \ltrch \
langfe1033 \langfenp1033 \scaps0 00}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 0}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \fi0 \li113 \ri0 \
sb0 \sa0 \sl-249 \slmult0 \nowidctlpar \adjustright \lin113 \rin0 \itap0 \fs22 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 :}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 1}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 5),}{\fs22 \rtlch \alang1025 \ltrch \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ada}{\fs22 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 l}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 h:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 Asumsi dasar dan norma pokok dalam proses maupun interaksi
kegiatan ekonomi yang diberlakukan. Asumsi dasar sistem ekonomi Islam adalah
syariat Islam. Syariat Islam diberlakukan secara menyeluruh terhadap individu,
keluarga, kelompok masyarakat, pengusaha dan pemerintah di dalam upaya mereka
memenuhi kebutuhan hidupnya, baik untuk kebutuhan jasmani mapun rohani. Perintah
agar melaksanakan ajaran Islam dalam seluruh}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 kegiatan}{\fs22 \rtlch
umat}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd24 \
langfenp1033 \scaps0 Islam}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 \scaps0 dapat}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\scaps0 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \scaps0 dilihat}{\fs22 \rtlch \alang1025 \
ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd21 \expndtw21 \lang33 \langnp33 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 dalam}{\fs22 \
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Q.S.}
{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd24 \expndtw24
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \alang1025 \
scaps0 al-Baqarah}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \ql \fi0 \
li396 \ri0 \sb0 \sa0 \sl-249 \slmult0 \nowidctlpar \adjustright \lin396 \rin0 \
\af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \
scaps1 :2}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps1 0}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfenp1033 \scaps0 8.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \ql \li0 \ri0 \
sb0 \sa0 \sl-249 \slmult0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs22 \rtlch
lang33 \langnp33 \langfe1033 \langfenp1033 \sect }\sectd \sbkpage \pgwsxn9080 \
pghsxn13610 \marglsxn1020 \margrsxn1020 \margtsxn1040 \margbsxn860 \guttersxn0 \
headery0 \footery672 \pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \s16 \qj \
rin113 \tql \tx397 \itap0 \ls5 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Prinsip
ekonomi Islam adalah penerapan asas efisiensi dan manfaat dengan tetap menjaga
kelestarian lingkungan alam. Hal ini dapat dilihat ketentuannya dalam Q.S.}{\fs22 \
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 al-
Rum:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \scaps1 41}{\fs22 \rtlch \alang1025 \ltrch \dbch
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 .}{\
langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-284 \li396 \ri109 \sb1 \
sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin396 \rin109 \tql \tx397 \itap0 \
ls5 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \
langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \fs22 \rtlch \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Motif ekonomi Islam adalah
mencari keseimbangan antara dunia dan akhirat dengan jalan beribadah dalam arti
yang luas. Persoalan motif ekonomi menurut pandangan Islam dapat dilihat
ketentuannya dalam Q.S.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch
langfenp1033 al-Qashash:77.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
fi0 \li0 \ri0 \sb3 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s2 \
lin396 \rin0 \tql \tx397 \itap0 \outlinelevel2 \ls2 \b1 \fs22 \rtlch \alang1025 \
loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 B.\tab }{\b1 \fs22 \rtlch
langfenp1033 Respon Islam Atas Transaksi Ekonomi}{\b1 \fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Modern}{\b1 \fs22 \
sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin396 \rin0 \tql \tx397 \itap0 \ls2
\ilvl1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \
langfenp1033 \f2 1.\tab }{\b1 \i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 E-Commerce }{\b1 \fs22 \
langfe1033 \langfenp1033 (Perdagangan}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Elektronik)}{\b1 \fs22 \rtlch \
langfe1033 \langfenp1033 Teknologi merubah banyak aspek bisnis dan aktivitas pasar.
Dalam bisnis perdagangan misalnya, kemajuan teknologi telah melahirkan metode
transaksi yang dikenal dengan istilah }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 E- Commerce }
langfe1033 \langfenp1033 (}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Electronic Commerce}{\
langfe1033 \langfenp1033 ). Menurut Raharjo, }{\i1 \fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 E-
Commerce }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 adalah suatu cara berbelanja atau berdagang
secara }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33
\langnp33 \langfe1033 \langfenp1033 online }{\fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 dengan
memanfaatkan internet yang di dalamnya terdapat }{\i1 \fs22 \rtlch \alang1025 \
ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033
website }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 yang dapat menyediakan layanan }{\i1 \fs22 \
langfe1033 \langfenp1033 get and deliver}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 . Dalam istilah
lain, }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 E- Commerce }{\fs22 \rtlch \alang1025 \
adalah bisnis }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 online }{\fs22 \rtlch \alang1025 \
yang menggunakan media elektronik internet secara keseluruhan, baik dalam hal
pemasaran, pemesanan, pengiriman, serta transaksi}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 jual-beli.}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 Dalam pandangan Islam, jual-beli mempunyai rukun dan
syarat yang harus dipenuhi agar sah. Menurut pendapat mayoritas ulama, rukun jual
beli ada tiga. }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\lang33 \langnp33 \langfe1033 \langfenp1033 Pertama, }{\fs22 \rtlch \alang1025 \
orang yang bertransaksi (penjual dan pembeli), dengan syarat berakal dan dapat
membedakan baik- buruk. }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Kedua}{\fs22 \rtlch \
langfenp1033 , }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\lang33 \langnp33 \langfe1033 \langfenp1033 sighat }{\fs22 \rtlch \alang1025 \ltrch
\dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 (}{\
\langfe1033 \langfenp1033 ijab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 dan
}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 qabul}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 ); }{\i1 \fs22 \
langfe1033 \langfenp1033 ijab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 menunjukkan keinginan
untuk melakukan transaksi, dan }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 qabul }{\fs22 \
langfe1033 \langfenp1033 mengindikasikan kerelaan untuk menerima }{\i1 \fs22 \rtlch
langfenp1033 ijab}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 . }{\i1 \fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Ketiga}
langfe1033 \langfenp1033 , barang sebagai obyek transaksi, dengan syarat barangnya
dapat dimanfaatkan, milik orang yang melakukan akad, mampu menyerahkannya, dan
barang yang diakadkan ada pada diri orang tersebut.}{\fs22 \rtlch \alang1025 \ltrch
\dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\
langfenp1033 Dalam permasalahan }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 E-Commerce}{\fs22 \
langfe1033 \langfenp1033 , fikih memandang bahwa transaksi bisnis di dunia maya
diperbolehkan karena }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 maslahat}{\fs22 \rtlch \
langfenp1033 . }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\lang33 \langnp33 \langfe1033 \langfenp1033 Maslahat }{\fs22 \rtlch \alang1025 \
adalah mengambil manfaat dan menolak bahaya dalam }{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 rangka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 memelihara}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \
langfe1033 \langfenp1033 tujuan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 syara}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex39 \lang33 \langnp33 \langfe1033 \langfenp1033 \uc1 \u8223
?.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033
Bila}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
E-Commerce}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 dipandang }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 seperti layaknya perdagangan dalam
Islam, maka dapat dianalogikan sebagai berikut. }{\i1 \fs22 \rtlch \alang1025 \
Pertama, }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 penjualnya adalah }{\i1 \fs22 \rtlch \
langfenp1033 merchant }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 (}{\i1 \fs22 \rtlch \alang1025
\ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033
Internet Service Provider }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 atau ISP), sedangkan
pembelinya disebut }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 customer}{\fs22 \rtlch \alang1025 \
ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 .
}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 Kedua}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 , obyek adalah
barang dan jasa yang ditawarkan dengan berbagai informasi, profil, harga, gambar
barang, serta status perusahaan. }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Ketiga}{\fs22 \
langfe1033 \langfenp1033 , }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 sighat }{\fs22 \rtlch \
langfenp1033 (}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 ijab-qabul}{\fs22 \rtlch \
langfenp1033 ) dilakukan dengan }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 payment}{\i1 \
langfe1033 \langfenp1033 \par }\pard \plain \qj \li0 \ri0 \sb0 \sa0 \sl264 \slmult1
pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \qj \fi0 \li113 \ri110 \sb84 \sa0
langfenp1033 {\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 gateway}{\fs22 \rtlch \alang1025 \
ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 ,
yaitu }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 software }{\fs22 \rtlch \alang1025 \
pendukung (otoritas dan monitor) bagi }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 acquirer}{\
langfe1033 \langfenp1033 , serta berguna untuk }{\i1 \fs22 \rtlch \alang1025 \ltrch
\dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 service
online }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 (}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Error! Hyperlink
reference not valid.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 ).}{\fs22 \rtlch \alang1025 \ltrch \
pard \plain \s19 \qj \fi566 \li113 \ri109 \sb1 \sa0 \sl264 \slmult1 \nowidctlpar \
langfenp1033 Komoditi yang diperdagangkan dalam }{\i1 \fs22 \rtlch \alang1025 \
E-Commerce }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33
\langnp33 \langfe1033 \langfenp1033 dapat berupa komoditi digital dan komoditi non
digital. Untuk komoditi digital seperti }{\i1 \fs22 \rtlch \alang1025 \ltrch \
electronic newspapers, e-books, digital library, virtual school, software }{\fs22
\rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \
langfe1033 \langfenp1033 program aplikasi komputer dan sebagainya, dapat langsung
diserahkan melalui media internet kepada pembeli, misalnya pembeli mendownload
produk tersebut dari }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 website }{\fs22 \rtlch \
langfenp1033 yang ditentukan. Sedang untuk komoditi non digital, karena komoditi
ini tidak dapat diserahkan secara langsung melalui internet, maka prosedur
pengirimannya harus sesuai kesepakatan bersama, begitu juga spesifikasi komoditi,
waktu dan tempat penyerahan. Sebelum transaksi berlangsung perlu disepakati batas
waktu penyerahan komoditi.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
rin0 \tql \tx397 \itap0 \outlinelevel2 \ls2 \ilvl1 \b1 \fs22 \rtlch \alang1025 \
loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 2.\tab }{\b1 \fs22 \rtlch
langfenp1033 \scaps0 Bunga}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \
scaps0 }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Bank}{\b1 \fs22 \rtlch \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 M}{\fs22 \rtlch \
langfe1033 \langfenp1033 nu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\fs22 \rtlch
1 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 U}{\
lang33 \langnp33 \langfe1033 \langfenp1033 U}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 N}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 o}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
2 \lang33 \langnp33 \langfe1033 \langfenp1033 o}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 7}{\fs22 \rtlch \
langfe1033 \langfenp1033 T}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \alang1025 \ltrch \dbch
lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \ltrch \dbch
992}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 \scaps0 (}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
p}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 asa}{\fs22 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 1}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 \scaps0 ,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfe1033 \langfenp1033 \scaps0 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\
langfe1033 \langfenp1033 \scaps0 )}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch
1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 te}{\fs22 \rtlch \alang1025 \
\langfe1033 \langfenp1033 \scaps0 ta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g
langnp33 \langfe1033 \langfenp1033 \scaps0 rb}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 \scaps0 ankan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 ,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \alang1025
\ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-8 \expndtw-8 \lang33 \langnp33 \
langfenp1033 \scaps0 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g}{\
scaps0 dima}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ud}{\fs22 \
scaps0 de}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 ga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 n}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 an}{\fs22 \rtlch \alang1025 \ltrch \dbch
\langfe1033 \langfenp1033 \scaps0 ada}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ada}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 u}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ha}{\
scaps0 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g m}{\fs22 \rtlch
2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 e}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 ng}{\fs22 \rtlch \alang1025 \ltrch \dbch
\af5 \hich \af5 \loch \f5 \charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 p}{\fs22 \rtlch \alang1025 \ltrch \
scaps0 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langfenp1033 \scaps0 da}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
scaps0 d}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ri}{\fs22 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 sya}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 \scaps0 aka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \alang1025 \
scaps0 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd21 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 da}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 b}{\
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 nt}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 uk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 \scaps0 s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m}{\fs22 \
\langfe1033 \langfenp1033 \scaps0 ana}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 dan }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ny}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 lu}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 \scaps0 kanny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ad}{\fs22 \rtlch \alang1025 \
langfenp1033 \scaps0 sya}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 aka}{\fs22 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 angk}{\
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\fs22 \rtlch \alang1025 \
scaps0 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-27
\expndtw-27 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ngk}{\fs22 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 tk}{\fs22 \rtlch \alang1025 \
langfenp1033 \scaps0 n }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
langfenp1033 \scaps0 tara}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033
\langfenp1033 \scaps0 f}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 d}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
ra}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k}{\fs22 \
langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 b}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k}{\
langfenp1033 \scaps0 L}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 i}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 s}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 :8).}{\fs22 \
lang33 \langnp33 \langfe1033 \langfenp1033 Dari definisi tersebut dapat dikemukakan
bahwa bank merupakan perusahaan yang memperdagangkan utang-piutang, baik berupa
uang sendiri maupun dana masyarakat, dan mengedarkan uang tersebut untuk
kepentingan umum. Dilihat dari sistem pengelolaaannya, bank dikelompokkan menjadi
dua jenis, yaitu bank konvensional dan bank syariah.}{\fs22 \rtlch \alang1025 \
par }\pard \plain \s16 \qj \fi-284 \li396 \ri0 \sb0 \sa0 \sl-249 \slmult0 \
nowidctlpar \adjustright \lin396 \rin0 \tql \tx397 \itap0 \ls2 \ilvl2 \fs22 \
dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 a.\
langnp33 \langfe1033 \langfenp1033 Bank}{\fs22 \rtlch \alang1025 \ltrch \dbch \
lang33 \langnp33 \langfe1033 \langfenp1033 Konvensional}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 Bank konvensional adalah bank yang menggunakan sistem
bunga dalam bertransaksi dengan nasabah. Bank jenis ini ada dua macam, yaitu bank
umum dan bank perkreditan. Dalam era globa- lisasi sekarang ini, umat Islam boleh
dikatakan hampir tidak dapat menghindarkan diri dari bertransaksi dengan bank
konvensional, termasuk dalam hal kegiatan ibadah (misalnya ibadah haji). Di sisi
lain, dalam bidang aktivitas perekonomian nasional dan internasional serta era
perdagangan bebas dewasa ini, penggunaan jasa bank konvensional tidak dapat
dikesampingkan.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Pokok persoalannya
sekarang ialah bagaimana pandangan hukum Islam terhadap umat Islam yang menggunakan
jasa bank konvensional. Pertanyaan ini mendapatkan jawaban yang berbeda}{\fs22 \
langfe1033 \langfenp1033 \par }\pard \plain \ql \li0 \ri0 \sb0 \sa0 \sl264 \slmult1
pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \s19 \qj \fi0 \li113 \ri108 \sb84
\sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin113 \rin108 \itap0 \fs22 \
langfenp1033 dar}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ra}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 ul}{\fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \charscalex100
\expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch \
langfe1033 \langfenp1033 D}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 enga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
ngambi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 dasa}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 Q.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 S.}{\fs22 \rtlch \
langfe1033 \langfenp1033 Ali}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
uc1 \u8222 ?Imr}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 an}{\
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 :}{\fs22 \rtlch \
30,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langfenp1033 \scaps0 da ul}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ma}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m}{\fs22 \rtlch \alang1025 \
\langfe1033 \langfenp1033 \scaps0 ngatak}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033
\langfenp1033 \scaps0 a}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m,}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 mu}{\fs22 \
langfe1033 \langfenp1033 \scaps0 h,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\langfe1033 \langfenp1033 \scaps0 da}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 mu}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-2 \expndtw-2 \lang33 \langnp33
\langfe1033 \langfenp1033 \scaps0 a}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \
scaps0 s}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 y}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ab}{\i1 \fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 i}{\i1 \fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 h}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 at}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\i1
\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd6 \expndtw6 \
langnp33 \langfe1033 \langfenp1033 \scaps0 (}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 i}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 dak }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 j}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ela}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 h}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 \scaps0 alal-}{\fs22 \rtlch \alang1025 \ltrch \dbch \
\scaps0 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 \scaps0 )}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 .}{\
langfenp1033 \f5 b.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Bank Syariah dan}{\fs22 \rtlch
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Praktiknya}{\fs22 \
langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \fi566 \li113 \ri110 \sb26 \
sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin113 \rin110 \itap0 \fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 S}{\fs22 \rtlch \
langfe1033 \langfenp1033 car}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 sed}{\fs22 \rtlch \
langfenp1033 rh}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd10 \expndtw10 \
lang33 \langnp33 \langfe1033 \langfenp1033 k}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 sya}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ri}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch \alang1025 \
langfenp1033 ada}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 an}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-4 \expndtw-4 \lang33 \langnp33 \langfe1033 \langfenp1033 y}{\
fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100
\expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 an}{\fs22 \rtlch \
langfe1033 \langfenp1033 g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 anca}{\fs22 \rtlch \
langfenp1033 g }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
sesua}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 j}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 /s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 ri}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 I}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 sl}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 m.}{\fs22 \rtlch \alang1025 \ltrch \dbch
\af5 \hich \af5 \loch \f5 \expnd9 \expndtw9 \lang33 \langnp33 \langfe1033 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 P}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 er}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 anka}
charscalex100 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 I}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 sl}{\fs22 \rtlch \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 b}{\
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 asi
ata}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 p}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 ri}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ns}{\
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\i1 \
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 y}{\i1 \fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ir}{\i1 \fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 k}{\i1 \fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ah}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\langfenp1033 }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \expnd10 \expndtw10 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 (}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 mit}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 sa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 h}{\fs22 \rtlch
langfenp1033 )}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 te}{\
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 dia}
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 k}{\fs22 \rtlch \
\langfe1033 \langfenp1033 u}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 . A}{\fs22 \
expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\fs22 \rtlch \alang1025 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ny}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 se}{\
langfenp1033 agia}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 er}
lang33 \langnp33 \langfe1033 \langfenp1033 b}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 anka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 y}{\fs22 \rtlch \alang1025 \
lang33 \langnp33 \langfe1033 \langfenp1033 p}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 e}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 ga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
\lang33 \langnp33 \langfe1033 \langfenp1033 sa}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 m, }{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 depos}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 or,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 ves}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 da}{\
langfenp1033 p}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 mi}{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 jam}{\fs22 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 rp}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 er}{\fs22 \rtlch \alang1025 \ltrch \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 -ser}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 ta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langnp33 \langfe1033 \langfenp1033 ata}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 das}{\fs22 \rtlch \
langfenp1033 r mit}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 r}
{\fs22 \rtlch \alang1025 \ltrch \dbch
lang33 \langnp33 \langfe1033 \langfenp1033 .}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 U}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch \
langfe1033 \langfenp1033 uk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 I}{\fs22 \rtlch
\langfe1033 \langfenp1033 d}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 ndi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 B}{\fs22 \rtlch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 k}{\fs22 \rtlch
langfenp1033 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 ri}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 ma }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 di}{\
lang33 \langnp33 \langfe1033 \langfenp1033 cit}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 a-c}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ta}{\
1 \lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033
expndtw-17 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 uma}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\
langnp33 \langfe1033 \langfenp1033 Is}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m.}{\fs22 \
langnp33 \langfe1033 \langfenp1033 H}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch
\lang33 \langnp33 \langfe1033 \langfenp1033 terungk}{\fs22 \rtlch \alang1025 \ltrch
\dbch \af5 \hich \af5 \loch \f5 \charscalex100 \expnd-4 \expndtw-4 \lang33 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 p}{\
langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\langfe1033 \langfenp1033 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 n }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 Ma}{\
lang33 \langnp33 \langfe1033 \langfenp1033 jlis}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 T}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 rj}{\fs22 \rtlch \alang1025 \ltrch \dbch
\lang33 \langnp33 \langfe1033 \langfenp1033 M}{\fs22 \rtlch \alang1025 \ltrch \dbch
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 d}{\fs22 \rtlch \
langfe1033 \langfenp1033 iy}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 diadaka}{\fs22 \rtlch \alang1025 \ltrch
lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch
2 \lang33 \langnp33 \langfe1033 \langfenp1033 j}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch
\lang33 \langnp33 \langfe1033 \langfenp1033 ta}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 un }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 \scaps0 968.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 Ked}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 ka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langnp33 \langfe1033 \langfenp1033 b}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 an}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 sy}{\fs22 \rtlch \alang1025 \ltrch \
3 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025 \ltrch \
2 \lang33 \langnp33 \langfe1033 \langfenp1033 er}{\fs22 \rtlch \alang1025 \ltrch \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nka}{\fs22 \rtlch \
langfenp1033 nas}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 io}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 na}{\fs22 \rtlch \alang1025 \ltrch \
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expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nda}{\fs22 \rtlch \
langfe1033 \langfenp1033 p}{\fs22
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 pija}{\fs22 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 n}{\
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 y}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 g}{\fs22 \rtlch
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 o}{\fs22 \rtlch \
langfenp1033 setela}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 h}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 dik}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 luar}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 anny}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 UU}{\fs22 \
langnp33 \langfe1033 \langfenp1033 No}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 or}{\fs22 \
langnp33 \langfe1033 \langfenp1033 7 T}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langnp33 \langfe1033 \langfenp1033 \scaps0 di}{\fs22 \rtlch \alang1025 \ltrch \dbch
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ua}{\fs22 \rtlch \
langfenp1033 \scaps0 PP}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\
fs22 \rtlch \alang1025 \ltrch
langfenp1033 \scaps0 N}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 o}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 r}{\fs22 \rtlch \alang1025 \ltrch \
T}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
scaps0 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd1 \
scaps0 tenta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g }{\fs22 \
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expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ka}{\fs22 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 pri}{\
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\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ag}{\fs22 \rtlch \alang1025 \
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scaps0 l}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 .}{\fs22 \rtlch \
langfenp1033 \scaps0 H}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 in}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
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langfe1033 \langfenp1033 \scaps0 mb}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \alang1025
langfe1033 \langfenp1033 \scaps0 b}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfenp1033 \scaps0 an}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k }{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 sya}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 ri}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd19 \
langfe1033 \langfenp1033 \scaps0 v}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfenp1033 \scaps0 ns}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
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scaps0 ada}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 h,}{\fs22 \
langfe1033 \langfenp1033 \scaps0 se}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 in}{\
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u}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 nt}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 ut}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 \scaps0 untu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 nd}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k p}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ad}{\fs22 \
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loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 u}{\
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \
alang1025
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 u}{\fs22 \rtlch \alang1025 \
hich \af5 \loch \f5 \expnd-12 \expndtw-12 \lang33 \langnp33 \langfe1033 \
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langfenp1033 \scaps0 g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 -u}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\langfe1033 \langfenp1033 \scaps0 laku, }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
scaps0 p}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 nge}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 laanny}{\fs22 \rtlch \alang1025
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lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 p}{\fs22 \rtlch \alang1025 \
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loch \f5 \expnd17 \expndtw17 \lang33 \langnp33 \langfe1033
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langfe1033 \langfenp1033 \scaps0 dew}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33
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loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ri}{\
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 h}{\fs22 \rtlch \
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langfenp1033 \scaps0 enga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 kat}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 la}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
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langfenp1033 \scaps0 nge}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 laa}{\fs22 \
expnd2 \expndtw2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 d}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 u}{\fs22 \rtlch \
langfenp1033 \scaps0 b}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k }{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 sya}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 ri}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33
langnp33 \langfe1033 \langfenp1033 \scaps0
s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 d}{\fs22 \rtlch \alang1025 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 er}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 setu}{\fs22 \rtlch \alang1025 \ltrch \
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langfe1033 \langfenp1033 \scaps0 ua}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 terl}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd8 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 d}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 u}{\
scaps0 dar}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 D}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 ewan }{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 \scaps0 P}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 ngawa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 s}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 S}{\fs22 \rtlch \
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langfenp1033 \scaps0 ri}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
scaps0 se}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langnp33 \langfe1033 \langfenp1033 \scaps0 lu}{\fs22 \rtlch \alang1025 \ltrch \dbch
\langfe1033 \langfenp1033 \scaps0 dilunc}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ka}{\fs22 \
lang33 \langnp33 \langfe1033 \langfenp1033
scaps0 te}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
loch \f5 \expnd-7 \expndtw-7 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 -}{\fs22 \rtlch \alang1025 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 te}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 ga}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 \scaps0 sy}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a- r}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 akat.}{\fs22
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 P}{\fs22 \rtlch \
langfenp1033 rb}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 da}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 po}{\fs22 \rtlch \
langfenp1033 ok}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
antar}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 an}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 k}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 ve}{\fs22 \rtlch \alang1025 \ltrch \dbch
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 de}{\
\lang33 \langnp33 \langfe1033 \langfenp1033 ga}{\fs22 \rtlch \alang1025 \ltrch \
\lang33 \langnp33 \langfe1033 \langfenp1033 an}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 k }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 ri}{\fs22 \rtlch \alang1025 \ltrch \dbch
\lang33 \langnp33 \langfe1033 \langfenp1033 ada}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 l}{\fs22
langfe1033 \langfenp1033 te}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 op}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 as}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 nalny}{\fs22 \rtlch \alang1025 \ltrch
\dbch \af5 \hich \af5 \loch \f5 \charscalex100 \expnd-2 \expndtw-2 \lang33 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 .}{\
langnp33 \langfe1033 \langfenp1033 P}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
lang33 \langnp33 \langfe1033 \langfenp1033 ve}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 l, }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 op}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 nalny}{\fs22 \rtlch \alang1025 \ltrch \
\af5 \hich \af5 \loch \f5 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 di}{\
lang33 \langnp33 \langfe1033 \langfenp1033 d}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 asark}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033
\langfenp1033 un}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 ,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 sedangk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033
a}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
lang33 \langnp33 \langfe1033 \langfenp1033 k }{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 sya}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ri}{\
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ja}{\fs22 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 anka}{\fs22 \rtlch \alang1025 \ltrch \dbch \
\langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
\lang33 \langnp33 \langfe1033 \langfenp1033 any}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\
langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 mp}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 un}{\
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 y}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 ima pri}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ip}{\fs22 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 o}{\fs22 \rtlch \alang1025 \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 na}{\fs22 \rtlch \alang1025 \ltrch
langfenp1033 ter}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 iri}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 dar}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 :}{\fs22 \rtlch \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\
lang33 \langnp33 \langfe1033 \langfenp1033 mp}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 anan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ,}{\fs22 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 agi }
expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 h}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 gi}{\
\lang33 \langnp33 \langfe1033 \langfenp1033 untung}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ,}{\fs22 \rtlch
langfe1033 \langfenp1033 sewa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ,}{\fs22 \
\hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 f}
{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 e}{\i1 \fs22 \rtlch \alang1025 \ltrch \
\langfenp1033 (}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 An}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 o,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 99}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
scaps0 ).}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langnp33 \langfe1033 \langfenp1033 \scaps0 S}{\fs22 \rtlch \alang1025 \ltrch \
scaps0 in itu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 \scaps0 ad}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\fs22 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ul}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 \scaps0 aka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 d}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langfenp1033 \scaps0 q}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-4 \expndtw-4 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 r}{\i1 \fs22
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 d}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 h,}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd14 \
expndtw14 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 hi}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
langfe1033 \langfenp1033 \scaps0 w}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 a}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 la}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 h}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ,}{\i1 \fs22 \
langfe1033 \langfenp1033 \scaps0 }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\scaps0 }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 r}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 hn,}{\i1 \fs22 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 w}{\i1 \fs22 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 ka}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
langfe1033 \langfenp1033 \scaps0 l}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 \scaps0 a}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 k}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 afal}{\
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\i1 \fs22
langnp33 \langfe1033 \langfenp1033 \scaps0 h}{\i1 \fs22 \rtlch \alang1025 \ltrch \
}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd17 \
\charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g }{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 semu}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 ny}{\fs22 \rtlch \alang1025 \ltrch \dbch
scaps0 jadi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 c}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 iri}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 al}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 gu}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 s}{\fs22 \rtlch \alang1025 \ltrch \
expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 antar}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 B}{\fs22 \rtlch \alang1025 \
scaps0 k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd20 \
langfe1033 \langfenp1033 \scaps0 S}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langnp33 \langfe1033 \langfenp1033 \scaps0 h }{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 \scaps0 da}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-2 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Ban}{\fs22 \rtlch \alang1025 \
scaps0 K}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 \scaps0 ve}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 io}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 nal}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 .}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 Akan
tetapi dengan banyaknya pelayanan dan transaksi, sering dijumpai praktik
menyimpang dari perbankan syariah. Misalnya dalam akad }{\i1 \fs22 \rtlch \
langfenp1033 musyarakah}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 , penentuan margin sepenuhnya
dilakukan oleh Bank Syariah. Penentuan sepihak tidak diperbolehkan karena dalam
akad harus ada keterbukaan dari pihak bank. Kebanyakan Bank Syariah juga tidak
menyerahkan barang kepada nasabah, tetapi memberi uang kepada nasabah sebagai wakil
untuk membeli barang yang}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 dibutuhkan.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langnp33 \langfe1033 \langfenp1033 Hal}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langnp33 \langfe1033 \langfenp1033 ini}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langnp33 \langfe1033 \langfenp1033 menyimpang}{\fs22 \rtlch \alang1025 \ltrch \dbch
lang33 \langnp33 \langfe1033 \langfenp1033 dari}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 aturan}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 fikih,}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 karena}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 ada}{\fs22 \rtlch \alang1025 \ltrch \
pard \plain \ql \li0 \ri0 \sb0 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin0
\rin0 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \sect }\
sectd \sbkpage \pgwsxn9080 \pghsxn13610 \marglsxn1020 \margrsxn1020 \margtsxn1040 \
margbsxn860 \guttersxn0 \headery0 \footery672 \pgbrdropt32 \sectdefaultcl \endnhere
\pard \plain \s19 \qj \fi0 \li113 \ri108 \sb84 \sa0 \sl264 \slmult1 \nowidctlpar \
langfenp1033 dua transaksi dalam satu akad yaitu }{\i1 \fs22 \rtlch \alang1025 \
wakalah }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 dan }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 murabahah}{\
langfe1033 \langfenp1033 . Dengan transaksi yang demikian, bisa saja nasabah
melakukan penyelewengan terhadap dana yang diberikan oleh Bank Syariah. Dalam
praktik, masih ada Bank Syariah yang hanya mau memberikan pembiayaan pada usaha
yang sudah berjalan selama kurun waktu tertentu, artinya bank memilih calon nasabah
(}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 mudharib}{\fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 ). Pembagian }
langnp33 \langfe1033 \langfenp1033 return }{\fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 pembiayaan
tidak berdasarkan pada sistem bagi hasil dan rugi (}{\i1 \fs22 \rtlch \alang1025 \
profit and loss sharing}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 ) tetapi menggunakan sistem bagi
pendapatan (}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 revenue sharing}{\fs22 \rtlch \alang1025
langfenp1033 ). Sistem ini dipilih karena Bank Syariah belum sepenuhnya berani
berbagi resiko secara penuh. Jika keadaannya seperti ini maka dapat dikatakan bahwa
kegiatan bank syariah belum secara sempurna mengacu pada tujuan Ekonomi Islam
(Hidayat,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-
1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025
t.t).}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
ri0 \sb3 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin396 \rin0 \tql \tx397 \
itap0 \ls2 \ilvl2 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
langfenp1033 \f5 c.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Hukum Bunga Bank: Riba atau}{\
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 bukan?}
lang33 \langnp33 \langfe1033 \langfenp1033 Melihat fungsi dan peranannya yang
bermanfaat bagi manusia dan masyarakat dalam perekonomian modern sekarang,
keberadaan bank dapat dibenarkan dalam ajaran Islam. Permasalahannya adalah, apakah
bunga bank yang dipungut oleh bank dan bunga yang diberikan kepada nasabah termasuk
riba atau bukan. Jawaban terhadap pertanyaan ini sangat erat hubungannya dengan
pemahaman seseorang atau sekelompok orang tentang riba sebagai hasil ijtihad
mereka. Oleh karena itu para ulama sampai saat ini belum berkonsensus secara bulat.
Berikut pendapat para ulama yang berbeda-beda}{\fs22 \rtlch \alang1025 \ltrch \dbch
lang33 \langnp33 \langfe1033 \langfenp1033 tersebut.}{\fs22 \rtlch \alang1025 \
par }\pard \plain \s16 \qj \fi-284 \li679 \ri112 \sb2 \sa0 \sl264 \slmult1 \
nowidctlpar \adjustright \lin679 \rin112 \tql \tx680 \itap0 \ls2 \ilvl3 \fs22 \
dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 1)\
langnp33 \langfe1033 \langfenp1033 \scaps0 Abu Zahra, Guru Besar Hukum Islam dari
Universitas Kairo Mesir, mengatakan bahwa bunga (}{\i1 \fs22 \rtlch \alang1025 \
scaps0 rente}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ) adalah sama dengan riba }{\
\langfe1033 \langfenp1033 \scaps0 nasi\uc1 \u8217 ?ah }{\fs22 \rtlch \alang1025 \
scaps0 yang dilarang dalam Islam. Akan tetapi karena sistem perekonomian sekarang
dan peranan bank dan bunga tidak dapat dihapuskan, maka umat Islam dapat melakukan
transaksi melalui bank berdasarkan keadaan}{\fs22 \rtlch \alang1025 \ltrch \dbch \
langfenp1033 \scaps0 }{\fs22 \rtlch \alang1025 \ltrch \dbch
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0
darurat.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
ri111 \sb1 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin679 \rin111 \tql \
tx680 \itap0 \ls2 \ilvl3 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \fs22 \
langfe1033 \langfenp1033 \f2 2)\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Menurut
Mustafa Ahmad Az Zaqra, Guru Besar Hukum Islam dan hukum Perdata, bunga dalam
hutang piutang yang bersifat konsumtif adalah riba, sedangkan bunga dalam hutang
piutang yang bersifat produktif tidak sama dengan riba}{\fs22 \rtlch \alang1025 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 nasi\uc1 \
u8217 ?ah}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
pard \plain \s16 \qj \fi-284 \li679 \ri109 \sb0 \sa0 \sl264 \slmult1 \nowidctlpar \
adjustright \lin679 \rin109 \tql \tx680 \itap0 \ls2 \ilvl3 \fs22 \rtlch \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 3)\tab }{\fs22
langfe1033 \langfenp1033 A. Hasan, ahli tafsir dan tokoh Islam Persatuan Islam
(PERSIS), berpendapat bahwa bunga bank bukanlah riba yang diharamkan karena tidak
bersifat berlipat ganda, sebagaimana disebut dalam Q.S. Ali Imron}{\fs22 \rtlch \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 1}{\fs22 \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 4)\tab }{\fs22
langfe1033 \langfenp1033 Hasil muktamar Muhammadiyah tahun }{\fs22 \rtlch \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 968 di Sidoarjo
menyatakan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd33
\expndtw33 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \
langfenp1033 \scaps0 bahwa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 \scaps0 bunga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\scaps0 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \scaps0 yang}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 diberikan}{\fs22 \
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 oleh}
{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd36 \expndtw36
scaps0 bank}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 \scaps0 milik}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
plain \qj \li0 \ri0 \sb0 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin0 \rin0
\itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \sect }\sectd \sbkpage \
\s19 \qj \fi0 \li679 \ri110 \sb84 \sa0 \sl266 \slmult1 \nowidctlpar \adjustright \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 gar}
langfenp1033 ad}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 ra}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nas}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 h}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 ny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 term}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
expnd4 \expndtw4 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \
langfe1033 \langfenp1033
k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd13 \
expndtw13 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 da}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 kateg}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ori}{\fs22
1 \lang33 \langnp33 \langfe1033 \langfenp1033 dak }{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 j}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 ela}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 h}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ukum}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Ali}{\fs22 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 ,1}{\
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 -}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 1}{\fs22 \rtlch \alang1025 \
langfenp1033 \scaps0 )}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
ls2 \ilvl3 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
langfenp1033 \f2 5)\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Hasil lokakarya Majlis Ulama
Indonesia yang diselenggarakan pada tanggal }{\fs22 \rtlch \alang1025 \ltrch \
19}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \scaps0 -}{\fs22 \rtlch \alang1025 \ltrch \
2}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33
\langfe1033 \langfenp1033 \scaps0 0 Agustus }{\fs22 \rtlch \alang1025 \ltrch \
1}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33
\langfe1033 \langfenp1033 \scaps0 990 tentang status bunga bank menyebutkan bahwa
untuk menghindari kesulitan, maka dapat dimungkinkan adanya }{\i1 \fs22 \rtlch \
langfenp1033 \scaps0 rukhshah }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 (keringanan
hukum) jika dapat dipastikan adanya kebutuhan (Lubis,}{\fs22 \rtlch \alang1025 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 2}{\fs22 \
langfe1033 \langfenp1033 \scaps0 000:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps1 42}{\fs22 \
langfe1033 \langfenp1033 \scaps0 -46).}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
lin0 \rin0 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
adjustright \lin396 \rin0 \tql \tx397 \itap0 \outlinelevel2 \ls2 \b1 \fs22 \rtlch \
langfenp1033 {\listtext \pard \plain \b1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 C.\tab }
{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 Etos Kerja Dan Kemandirian}{\b1 \fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Hidup}{\b1 \fs22 \
langfenp1033 \f2 1.\tab }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Etos Kerja}{\b1 \fs22 \
\langnp33 \langfe1033 \langfenp1033 }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Islami}{\b1 \
langfenp1033 {\fs22 \rtlch \alang1025
langfe1033 \langfenp1033 lu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 to}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ja}{\fs22 \rtlch \
langfe1033 \langfenp1033 Is}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 la}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 mi,}{\fs22 \rtlch \
langfenp1033 dipa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 mi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 ak}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ik}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 t }{\fs22 \rtlch \alang1025 \ltrch \dbch
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 rja.}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 Ke}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 rja}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ada}
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 se}{\
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 b}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 ua}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 akt}
lang33 \langnp33 \langfe1033 \langfenp1033 iv}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfenp1033 ta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 di}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nca}
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 dan
dil}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 kuk}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 dem}
langfe1033 \langfenp1033 aga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nda}
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ka}{\
lang33 \langnp33 \langfe1033 \langfenp1033 il}{\fs22 \rtlch \alang1025 \ltrch \dbch
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 bih}{\fs22 \rtlch \
langfe1033 \langfenp1033 dem}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i m}{\fs22
ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100
\lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 nu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 h}{\
lang33 \langnp33 \langfe1033 \langfenp1033 up}{\fs22 \rtlch \alang1025 \ltrch \dbch
lang33 \langnp33 \langfe1033 \langfenp1033 rik}{\fs22 \rtlch \alang1025 \ltrch \
\lang33 \langnp33 \langfe1033 \langfenp1033 nfa}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ag}{\fs22 \rtlch \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 se}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 h m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nu}{\fs22 \rtlch \
langfe1033 \langfenp1033 sia}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
lang33 \langnp33 \langfe1033 \langfenp1033 (}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 A}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 gun}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langnp33 \langfe1033 \langfenp1033 \scaps1 7:}{\fs22 \rtlch \alang1025 \ltrch \dbch
langnp33 \langfe1033 \langfenp1033 \scaps0 ).}{\fs22 \rtlch \alang1025 \ltrch \dbch
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \
langfenp1033 Dengan pemahaman tersebut, sebuah pekerjaan tidak menge-
nal waktu dan tempat sehingga dapat dilakukan kapanpun dan dimanapun. Adalah
persepsi yang keliru jika memahami pekerja adalah mereka yang hanya bekerja pada
sebuah instansi pemerintah atau pada sebuah perusahaan. Seorang penggembala kambing
adalah pekerja karena ia memiliki motif untuk mendapatkan nilai tambah, baik bagi
dirinya sendiri maupun bagi orang lain.}{\fs22 \rtlch \alang1025 \ltrch \dbch \
langfenp1033 Seorang muslim harus memiliki prinsip bahwa bekerja adalah ibadah
dengan menjadikan takwa sebagai landasannya. Sehingga yang menjadi tujuan utamanya
adalah meraih ridha Allah, tidak semata mengejar materi belaka. Selain itu seorang
muslim harus juga memperhatikan etika kerja,}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 yaitu:}{\fs22 \rtlch \alang1025 \ltrch \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 a.\tab }{\fs22
langfe1033 \langfenp1033 Menyadari pekerjaannya terkait dengan Allah, sehingga
membuat dia bersikap cermat, bersungguh-sungguh dalam bekerja, dan menjalin
hubungan yang baik dengan relasinya demi memperoleh keridhaan}{\fs22 \rtlch \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Allah;}{\fs22 \
sa0 \sl-249 \slmult0 \nowidctlpar \adjustright \lin679 \rin0 \tql \tx680 \itap0 \
ls2 \ilvl2 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Bekerja dengan cara yang halal
dalam seluruh jenis}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\expnd-17 \expndtw-17 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \
langfenp1033 pekerjaan;}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-284
\li679 \ri109 \sb26 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin679 \
rin109 \tql \tx680 \itap0 \ls2 \ilvl2 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \
plain \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \f5 c.\tab }{\fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Tidak
memberikan beban berlebihan pada pekerja, alat produksi atau binatang dalam
bekerja. Semua harus dipekerjakan secara profesional dan}{\fs22 \rtlch \alang1025 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 wajar;}{\fs22 \rtlch \
langfenp1033 \par }\pard \plain \s16 \qj \fi-284 \li679 \ri0 \sb0 \sa0 \sl-249 \
slmult0 \nowidctlpar \adjustright \lin679 \rin0 \tql \tx680 \itap0 \ls2 \ilvl2 \
dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 d.\
langnp33 \langfe1033 \langfenp1033 d. Tidak melakukan pekerjaan yang melanggar
aturan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-8 \
Allah;}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
tx680 \itap0 \ls2 \ilvl2 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \fs22 \
langfe1033 \langfenp1033 \f5 e.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Profesional dalam
setiap pekerjaan (Ismail,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 0}{\fs22 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ).}{\fs22 \
lang33 \langnp33 \langfe1033 \langfenp1033 Untuk mendapatkan kesuksesan dalam
bekerja dan mendapatkan rezeki yang baik dan berkah, seorang muslim dituntut
untuk memiliki etos kerja yang tinggi. Etos berasal dari kata Yunani \uc1 \u8222 ?}
langnp33 \langfe1033 \langfenp1033 ethos\uc1 \u8217 ?}{\i1 \fs22 \rtlch \
langfenp1033 \par }\pard \plain \ql \li0 \ri0 \sb0 \sa0 \sl264 \slmult1 \
nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \
langfenp1033 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033
s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
\langfe1033 \langfenp1033 ka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 adia}{\fs22 \rtlch \alang1025 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ,}{\
\langfe1033 \langfenp1033 w}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ka}{\fs22 \rtlch \alang1025 \
langfenp1033 akte}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 ser}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ta}{\
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 na}{\
charscalex100 \expnd5 \expndtw5 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 tas sesuatu}{\fs22 \
langnp33 \langfe1033 \langfenp1033 .}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Sik}
langfenp1033 saj}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 dimilik}{\fs22 \rtlch \alang1025 \ltrch
\charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 nd}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 v}{\fs22 \rtlch
2 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 u,}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 teta}{\fs22 \rtlch \alang1025
langnp33 \langfe1033 \langfenp1033 juga}{\fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \
langfe1033 \langfenp1033 h }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 ompok}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfenp1033 ka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 akat}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 .}{\fs22 \
langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \expnd18 \expndtw18 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 E}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch
lang33 \langnp33 \langfe1033 \langfenp1033 k}{\fs22 \rtlch \alang1025 \ltrch \
2 \lang33 \langnp33 \langfe1033 \langfenp1033 er}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 agai
k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
langfe1033 \langfenp1033 bi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 asa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
loch \f5 \expnd14 \expndtw14 \lang33 \langnp33
\langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 p}{\fs22 \
langnp33 \langfe1033 \langfenp1033 ngar}{\fs22 \rtlch \alang1025 \ltrch \dbch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 h,}{\fs22 \
langfe1033 \langfenp1033 ser}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ta}{\
langfenp1033 il}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 an}{\fs22 \rtlch \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 diyak}{\fs22 \rtlch \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 (}{\
expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 I}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 smai}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 , }{\fs22 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ).}{\
langfe1033 \langfenp1033 \scaps0 D}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfenp1033 \scaps0 enga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd4 \expndtw4
scaps0 rja}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 kuat}{\
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ,}{\fs22 \rtlch \alang1025 \
langfenp1033 \scaps0 se}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
loch \f5 \charscalex100 \expnd-1 \expndtw-1
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ua}{\fs22 \rtlch \alang1025 \
\langfe1033 \langfenp1033 \scaps0 er}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 ja}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 \scaps0 nca}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langnp33 \langfe1033 \langfenp1033 \scaps0 i h}{\fs22 \rtlch \alang1025 \ltrch \
scaps0 il}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-
1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \
langfenp1033 \scaps0 ks}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 im}{\fs22 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 l}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 B}{\fs22 \rtlch \alang1025 \ltrch \
scaps0 r}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 ka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 it}{\fs22 \
scaps0 nga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
langnp33 \langfe1033 \langfenp1033 \scaps0 rja,}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 A}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 lla}{\fs22 \rtlch \alang1025 \ltrch \
langnp33 \langfe1033 \langfenp1033 \scaps0 er}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 \scaps0 fi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 rm}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 :}{\fs22 \rtlch \
af5 \hich \af5 \loch \af5 \lang33
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \sect }\sectd \
sbknone \pgwsxn9080 \pghsxn13610 \marglsxn1020 \margrsxn1020 \margtsxn1280 \
margbsxn860 \guttersxn0 \headery720 \footery720 \pgbrdropt32 \sectdefaultcl \
cols6 \colsx40 \colno1 \colw609 \colsr40 \colno2 \colw1064 \colsr39 \colno3 \
colw839 \colsr40 \colno4 \colw589 \colsr40 \colno5 \colw516 \colsr39 \colno6 \
colw3225 \endnhere \pard \plain \qr \li0 \ri0 \sb0 \sa0 \sl148 \slmult1 \
langfenp1033 \sect }\sectd \sbknone \pgwsxn9080 \pghsxn13610 \marglsxn1020 \
pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \qj \fi0 \li254 \ri250 \sb20 \sa0
langfenp1033 {\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af7 \loch \f7 \
lang33 \langnp33 \langfe1033 \langfenp1033 Katakanlah: "Hai kaumku, berbuatlah
sepenuh kemampuanmu, sesungguhnya akupun berbuat (pula). Kelak kamu akan
mengetahui, siapakah (di antara kita) yang akan memperoleh hasil yang baik di dunia
ini. Sesungguhnya orang-orang yang zalim itu tidak akan mendapatkan keberuntungan }
langfe1033 \langfenp1033 (Q.S. Al-An\uc1 \u8217 ?am:135)}{\fs24 \rtlch \alang1025 \
ltrch \dbch \af5 \hich \af7 \loch \f7 \lang33 \langnp33 \langfe1033 \
B}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 rja}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ada}{\fs22 \rtlch \
\langfe1033 \langfenp1033 sa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 ag}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 uma}{\fs22 \rtlch \alang1025 \ltrch \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m.}
langnp33 \langfe1033 \langfenp1033 Al}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 dak
aka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1
\lang33 \langnp33 \langfe1033 \langfenp1033 nu}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 z}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ek}{\
\langfe1033 \langfenp1033 dar}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 langi}{\fs22 \rtlch \
langfe1033 \langfenp1033 t,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 teta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 p}{\
lang33 \langnp33 \langfe1033 \langfenp1033 z}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 ek}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ter}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 s }{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch
1 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch \alang1025 \ltrch \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 akan}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Um}{\fs22 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 I}{\fs22 \rtlch
1 \lang33 \langnp33 \langfe1033 \langfenp1033 sl}{\fs22 \rtlch \alang1025 \ltrch \
n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 b}{\
lang33 \langnp33 \langfe1033 \langfenp1033 e}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 rja}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 dil}
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 g m}{\fs22 \rtlch \
langfe1033 \langfenp1033 nga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
\lang33 \langnp33 \langfe1033 \langfenp1033 ata}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 rm}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 -}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 lasa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 H}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 tk}{\fs22 \
alang1025 \ltrch \dbch \af5 \hich
\af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 Q}{\fs22 \rtlch \alang1025 \
langfenp1033 S}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 . }{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 al-Mul}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 5}{\fs22 \
langfe1033 \langfenp1033 \uc1 \u8220 ?Dialah Yang menjadikan bumi itu mudah bagi
kamu, maka berjalanlah di segala penjurunya dan makanlah sebahagian dari rezeki-
Nya. Dan hanya kepada-Nya- lah kamu (kembali setelah) dibangkitkan.\uc1 \u8221 ?}{\
\langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \fi566 \li113 \ri107 \sb151 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Ungkapan}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Arab}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 menyebutkan}{\fs22 \rtlch
charscalex55 \lang33 \langnp33 \langfe1033 \langfenp1033 \uc1 \u8222 ?}{\i1 \fs22 \
langnp33 \langfe1033 \langfenp1033 alfaraaghu}{\i1 \fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 mafsadatun}{\fs22 \rtlch \alang1025 \
ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex39 \lang33 \langnp33 \langfe1033 \
langfenp1033 \uc1 \u8223 ?,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 me- }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 nganggur itu merusak. Sifat
malas, tidak memiliki etos kerja, sikap menganggur, hanya akan melahirkan pikiran-
pikiran negatif, kesengsaraan, penyakit jiwa, kerapuhan jaringan saraf, menghayal
tanpa realitas, keresahan dan kegundahan. Sebaliknya, kerja dan semangat akan
menghadirkan kreatifitas, kegembiraan, sukacita dan kebahagiaan.}{\fs22 \rtlch \
langfe1033 \langfenp1033 Islam sangat menganjurkan kepada pemeluknya untuk bekerja
dan berusaha. Dalam sebuah kesempatan Rasulullah SAW memuji seorang sahabat yang
mencari nafkah dengan cara mencari dan membelah kayu di hutan. Tangannya keras dan
kaku, pakaian dan penampilannya sangat sederhana dan bersahaja. Itu dilakukannya
setiap hari untuk menafkahi anak dan istrinya. Rasulullah meng-}{\fs22 \rtlch \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 hampiri sahabat tersebut dan
memegang tangannya seraya berkata, \uc1 \u8220 ?Inilah tangan yang dicintai oleh
Allah SWT.\uc1 \u8221 ?}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \
af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Agama Islam
memberikan apresiasi yang sangat tinggi kepada siapa pun yang melakukan kerja keras
mencari rezeki yang halal, }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 thayyib }{\fs22 \rtlch \
langfenp1033 (baik), dan berkah. Lebih dari itu, bekerja merupakan sarana untuk
menjadikan watak dan kepribadian manusia bersifat mandiri, tekun, teliti, peduli,
berani, taat, dan bertanggung jawab. Rasul SAW bersabda:}{\fs22 \rtlch \alang1025 \
par }\pard \plain \ql \fi0 \li254 \ri0 \sb170 \sa0 \sl-252 \slmult0 \nowidctlpar \
af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\i1 \fs22 \rtlch \
langfenp1033 \uc1 \u8220 ?Adalah Nabiyullah Daud tidak makan kecuali dari hasil
kerja kedua tangannya\uc1 \u8221 ?}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
plain \s19 \ql \fi0 \li254 \ri0 \sb0 \sa0 \sl-252 \slmult0 \nowidctlpar \
af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\fs22 \rtlch \alang1025
(HR. Imam Bukhari dari Abi Hurairah)}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f7 \lang33 \langnp33 \langfe1033 \langfenp1033 .}{\i1 \fs22 \
charscalex100
\lang33 \langnp33 \langfe1033 \langfenp1033 B}{\fs22 \rtlch \alang1025 \ltrch \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 ka}{\fs22 \rtlch \alang1025 \ltrch \
\lang33 \langnp33 \langfe1033 \langfenp1033 seja}{\fs22 \rtlch \alang1025 \ltrch \
langfe1033 \langfenp1033 ncata}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \
\lang33 \langnp33 \langfe1033 \langfenp1033 h}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 w}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 R}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 as}{\fs22 \rtlch \
langfenp1033 lul}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 S}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 AW}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 se}{\fs22 \rtlch \alang1025 \
lang33 \langnp33 \langfe1033 \langfenp1033 m }{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 sia}{\fs22 \
langnp33 \langfe1033 \langfenp1033 8}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 rja}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
\lang33 \langnp33 \langfe1033 \langfenp1033 ng}{\fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \charscalex100 \lang33
\langnp33 \langfe1033 \langfenp1033 g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 al}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 mbi}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 as}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 lnya di}{\fs22 \rtlch \alang1025 \ltrch
1 \lang33 \langnp33 \langfe1033 \langfenp1033 ka}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ad}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 anny}{\fs22 \rtlch \
langfenp1033 untu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ri}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 nga}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 i }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100
\expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 e}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 luarg}{\fs22 \rtlch \alang1025 \ltrch \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nny}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Abu}{\fs22 \rtlch \
langfe1033 \langfenp1033 T}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 al}{\
langfe1033 \langfenp1033 b.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 P}{\fs22 \rtlch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ia}{\fs22 \
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ta}{\fs22 \
\langfe1033 \langfenp1033 \scaps0 un}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 M}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langnp33 \langfe1033 \langfenp1033 \scaps0 mm}{\fs22 \rtlch \alang1025 \ltrch \dbch
\af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 d
S}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 A}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 W}{\fs22 \rtlch \alang1025 \ltrch \
}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-6 \expndtw-
6 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \alang1025 \
scaps0 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 p}{\fs22 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 e}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 nalka}{\fs22
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 r}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 \scaps0 wi}{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 w}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 as}{\fs22 \
expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \
langfenp1033 \scaps0 nny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
scaps0 unt}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 u}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k b}{\fs22 \rtlch
langfenp1033 \scaps0 dagan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 \scaps0 lakuk}{\fs22 \rtlch \alang1025 \ltrch \dbch \
langfe1033 \langfenp1033 \scaps0 rja}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 ana}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 jauh}{\fs22 \
langfenp1033 \scaps0 ntas}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
fs22 \rtlch \alang1025
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 \scaps0 pa }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\fs22 \
langfenp1033 \scaps0 ne}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
langfenp1033 \scaps0 ger}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 \scaps0 m.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 Dengan bekerja, seseorang bisa hidup mandiri dan tidak menjadi beban
orang lain. Dengan bekerja pula, seseorang dapat memiliki harga diri dan percaya
diri, bahkan menjadi manusia terhormat karena bisa meringankan beban orang lain.
Sebagaimana sabda Rasulullah SAW bahwa sebaik-baik manusia adalah manusia yang
paling banyak manfaatnya (HR. Bukhari Muslim).}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 Islam adalah agama yang mengajarkan kepada umatnya untuk selalu berdoa
dan berusaha (bekerja) demi mencapai kebahagiaan di dunia maupun di akhirat. Hal
ini dinyatakan dalam al-Qur\uc1 \u8223 ?an,}{\fs22 \rtlch \alang1025 \ltrch \dbch \
plain \qj \fi0 \li254 \ri250 \sb12 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \
af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\i1 \fs22 \rtlch \alang1025 \ltrch
langfe1033 \langfenp1033 \uc1 \u8220 ?Barangsiapa yang mengerjakan amal saleh, baik
laki-laki maupun perempuan dalam keadaan beriman, maka sesungguhnya akan Kami
berikan kepadanya kehidupan yang baik dan sesungguhnya akan Kami beri balasan
kepada mereka dengan pahala yang lebih baik dari apa yang telah mereka kerjakan\uc1
\u8221 ? }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af7 \loch \f7 \lang33 \
langnp33 \langfe1033 \langfenp1033 (Q.S. An- Nahl:97).}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 Agar dalam bekerja bisa memperoleh kesuksesan dan
keridhaan, terdapat sejumlah panduan yang perlu dipatuhi, di antaranya}{\fs22 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 adalah:}{\fs22 \
sa0 \sl-248 \slmult0 \nowidctlpar \adjustright \lin540 \rin0 \tql \tx541 \itap0 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Mulailah mencari pekerjaan
yang}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-1 \
halal.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \qj \li0 \ri0 \sb0 \sa0 \sl-
248 \slmult0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 \sect }\sectd \sbkpage \pgwsxn9080 \pghsxn13610 \
marglsxn1020 \margrsxn1020 \margtsxn1040 \margbsxn860 \guttersxn0 \headery0 \
footery672 \pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \s16 \qj \fi-360 \
langfe1033 \langfenp1033 \f5 b.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Jadilah pekerja
yang jujur (bisa dipercaya) saat mengembangkan usaha.}{\fs22 \rtlch \alang1025 \
par }\pard \plain \s16 \qj \fi-360 \li540 \ri114 \sb0 \sa0 \sl261 \slmult1 \
nowidctlpar \adjustright \lin540 \rin114 \tql \tx541 \itap0 \ls6 \fs22 \rtlch \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 c.\tab }{\fs22
langfe1033 \langfenp1033 Carilah mitra kerja yang baik dan ajak mereka bekerja
secara baik}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 pula.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-360 \
langfe1033 \langfenp1033 \f5 d.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Gunakan cara yang
baik dalam bekerja supaya memperoleh hasil yang}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 baik.}{\fs22 \rtlch \alang1025 \ltrch \
loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 e.\tab }{\fs22 \rtlch \
langfenp1033 Setelah memperoleh upah, keluarkanlah sebagian rezeki yang diperoleh
untuk zakat, infak atau}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch
langfenp1033 sedekah.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-
360 \li540 \ri110 \sb5 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin540 \
rin110 \tql \tx541 \itap0 \ls6 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \
langfe1033 \langfenp1033 \f5 f.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Bersyukurlah atas
nikmat Allah yang diperoleh dengan menjalankan segala perintah-Nya dan menjauhi
segala larangan- Nya.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \fi566 \
\lang33 \langnp33 \langfe1033 \langfenp1033 nad}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 de}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ga}{\fs22 \rtlch \
\langfe1033 \langfenp1033 nda}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 p}{\fs22 \
langfe1033 \langfenp1033 tas}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langnp33 \langfe1033 \langfenp1033 U}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 ch}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 w}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 wa untu}{\fs22 \rtlch \alang1025 \ltrch
lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 uk}{\
fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-22 \expndtw-22
\lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 pi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nt}{\
\langfe1033 \langfenp1033 ksesa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 d}{\fs22 \rtlch \alang1025 \
langfenp1033 luk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ima}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 kunci}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 it}{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 : b}{\fs22 \
langfenp1033 er}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 c}{\
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 -c}{\
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 as}{\
lang33 \langnp33 \langfe1033
\langfenp1033 ,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 sam}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 rh}{\fs22 \
expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 jr}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 h.}{\fs22 \rtlch \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 S}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 - }{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 ng}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch
4 \lang33 \langnp33 \langfe1033 \langfenp1033 k}{\fs22 \rtlch \alang1025 \ltrch \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \
langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 nu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ada}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 o}{\fs22 \rtlch \alang1025 \ltrch \dbch
\langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 iki}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 n}{\fs22 \rtlch \alang1025
langfenp1033 ngk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 tan setia}{\fs22 \
langfenp1033 ny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 da}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ik}{\fs22 \rtlch \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 o}{\
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 g}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 te}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 r}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 se}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
lang33 \langnp33 \langfe1033 \langfenp1033 mb}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 an}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m }{\fs22 \rtlch \
langfe1033 \langfenp1033 uni}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfenp1033 ak}{\fs22
langnp33 \langfe1033 \langfenp1033 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 da}{\
langfenp1033 w}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 dan k}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 agia}
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 dala}{\fs22 \rtlch \alang1025
\langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 hi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 du}{\
langnp33 \langfe1033 \langfenp1033 (Ano}{\fs22 \rtlch \alang1025 \ltrch \dbch \
3 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \
expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 3}{\fs22 \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 :}{\fs22 \rtlch \
langfenp1033 \scaps0 ).}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \qj \
T}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 asmar}{\fs22 \
rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 :73}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 -}{\fs22 \
scaps0 )}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langfe1033 \langfenp1033 \scaps0 j}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfenp1033 \scaps0 elask}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 \scaps0 w}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 a}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 rja b}
\langfe1033 \langfenp1033 \scaps0 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 ung}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 \scaps0 nga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-2 \
scaps0 pa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-
langfenp1033 \scaps0 nt}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
alang1025 \ltrch
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 se}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 i:}{\
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Orientasi ke masa depan, yaitu
segala sesuatu direncanakan dengan baik (waktu maupun kondisi) agar hari esok lebih
baik dari}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-
kemarin.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Menghargai waktu. Disiplin
waktu merupakan hal yang sangat penting guna efisiensi dan efektivitas}{\fs22 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 bekerja.}{\fs22 \
langfenp1033 \f5 c.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Tanggung jawab, yaitu
memberikan asumsi bahwa pekerjaan yang dilakukan merupakan sesuatu yang harus
dikerjakan dengan ketekunan dan}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 kesungguhan.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 d.\tab }{\fs22 \rtlch \
langfenp1033 Hemat dan sederhana agar pengeluaran bermanfaat untuk masa depan.}{\
langfenp1033 \f5 e.\tab }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Persaingan sehat, yaitu dengan
memacu diri agar saat bekerja tidak mudah patah semangat dan berusaha menambah
kreativitas}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-
diri.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
\sb123 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin113 \rin107 \itap0 \
langfenp1033 Et}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 o}{\
\lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025 \ltrch \dbch
\lang33 \langnp33 \langfe1033 \langfenp1033 e}{\fs22 \rtlch \alang1025
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 pa}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 ka}{\fs22 \rtlch \alang1025 \ltrch \
akter}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 t}{\fs22 \rtlch \alang1025 \ltrch \
\lang33 \langnp33 \langfe1033 \langfenp1033 dia}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 tara}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ya ada}{\fs22 \rtlch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 h:}{\fs22 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 (}{\
langfe1033 \langfenp1033 )}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ik}{\fs22 \
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 er}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nfa}
langfenp1033 ;}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 )}{\fs22 \rtlch \
langfe1033 \langfenp1033 kua}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 it}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 rja}{\fs22 \
langfe1033 \langfenp1033 nta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ;}{\fs22 \rtlch \
langfenp1033 c) k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfenp1033 e}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 te}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 at}{\fs22 \rtlch \
langfenp1033 f}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 (}{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 )}{\fs22 \rtlch
langfe1033 \langfenp1033 to}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 g- m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 g;}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 (}{\fs22 \rtlch \
langfenp1033 )}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 bj}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 ekt}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfenp1033 i}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 f}{\fs22 \
langnp33 \langfe1033 \langfenp1033 (}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 j}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 uj}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 ur}{\
expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 )}{\fs22 \rtlch \
langfe1033 \langfenp1033 ;}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 f}{\
lang33 \langnp33 \langfe1033 \langfenp1033 )}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 in}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ko}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 nse}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 uen}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ) }{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ns}{\
langfenp1033 te}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 q}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 (}{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 )}{\fs22 \rtlch
langfenp1033 er}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 cay}
lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch
\alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \expnd-1 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ri}
langfenp1033 ndi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 r}{\
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 n;}{\fs22 \
langnp33 \langfe1033 \langfenp1033 fi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 si}
langfe1033 \langfenp1033 n }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 (}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 I}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 smai}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 )}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 .}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
plain \ql \li0 \ri0 \sb0 \sa0 \sl264 \slmult1 \nowidctlpar \adjustright \lin0 \rin0
\itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \sect }\sectd \sbkpage \
\s19 \qj \fi566 \li113 \ri111 \sb84 \sa0 \sl264 \slmult1 \nowidctlpar \
langfenp1033 Dalam hadis Nabi juga disebutkan bahwa Allah sungguh sangat mencintai
orang yang berjerih payah untuk mencari yang halal (HR. al-Dailami), dan orang yang
bekerja dengan tekun (HR. Baihaqi). Bahkan, dalam hadis lain dijelaskan bahwa hanya
dengan kesusahpayahan dalam mencari nafkah dapat menghapuskan dosa yang tidak bisa
dihapus dengan pahala shalat dan sedekah atau haji (HR. Al-Thabrani).}{\fs22 \rtlch
slmult1 \nowidctlpar \adjustright \lin396 \rin0 \tql \tx397 \itap0 \outlinelevel2 \
ls2 \ilvl1 \b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \b1 \fs22 \rtlch
langfenp1033 \f2 2.\tab }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Kemandirian
dalam}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-
3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\b1 \fs22 \
langfe1033 \langfenp1033 \scaps0 Islam}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \
langfe1033 \langfenp1033 D}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 ala}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 Is}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m,}{\fs22 \rtlch \
alang1025 \ltrch \dbch \af5 \hich
\af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \
langfe1033 \langfenp1033 ndi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ada}
langfe1033 \langfenp1033 lakuk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
expnd2 \expndtw2 \lang33 \langnp33 \langfe1033 \langfenp1033 h}{\fs22 \rtlch \
langfenp1033 se}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ua}{\fs22 \rtlch \
langfe1033 \langfenp1033 t- }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfenp1033 kuatny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \rtlch \
langfe1033 \langfenp1033 untu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 k}{\fs22 \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 da}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 jadi}{\fs22 \rtlch \alang1025 \ltrch \
langfe1033 \langfenp1033 nal}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ag}{\fs22 \rtlch \
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 o}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 in}{\fs22 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ag}{\
lang33 \langnp33 \langfe1033 \langfenp1033 i}{\fs22 \rtlch \alang1025
\ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd19 \expndtw19 \lang33 \langnp33 \
langfenp1033 sese}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 g m}{\fs22
langnp33 \langfe1033 \langfenp1033 s}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ih}
{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd7 \expndtw7 \
\langfe1033 \langfenp1033 p}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 pa}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 lu}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 aka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Al}
expndtw2 \lang33 \langnp33 \langfe1033 \langfenp1033 S}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 W}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 T.}
{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd9 \expndtw9 \
langfenp1033 D}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 enga}
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 kat}
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 , }{\fs22 \
langfenp1033 nse}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 I}{\
dbch \af5 \hich \af5 \loch \f5 \charscalex100 \lang33
\langnp33 \langfe1033 \langfenp1033 m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 angu}
langfe1033 \langfenp1033 ata}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 s}{\fs22 \
\lang33 \langnp33 \langfe1033 \langfenp1033 tau}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 d}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 hi}{\fs22 \
expndtw-4 \lang33 \langnp33 \langfe1033 \langfenp1033 n}{\fs22 \rtlch \alang1025 \
langnp33 \langfe1033 \langfenp1033 g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ga
\lang33 \langnp33 \langfe1033 \langfenp1033 nu}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 sia}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 c}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 g}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 nt}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 any}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 ad}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
lang33 \langnp33 \langfe1033 \langfenp1033 Al}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 SWT}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
loch \f5 \charscalex100 \expnd-4 \expndtw-4
\lang33 \langnp33 \langfe1033 \langfenp1033 n}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 pa m}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nafik}{\fs22 \
lang33 \langnp33 \langfe1033 \langfenp1033 rja}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 sam}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 de}{\fs22 \rtlch \alang1025 \
langfe1033 \langfenp1033 ga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 sesa}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 ma}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 at}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 anda}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 n }{\fs22 \rtlch \
langfe1033 \langfenp1033 rja.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \expnd6 \expndtw6 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 Ke}{\fs22 \rtlch \alang1025 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nd}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Is}{\fs22 \rtlch \
langfenp1033 r}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \expnd4 \expndtw4 \lang33 \langnp33 \langfe1033 \langfenp1033
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 dar}{\fs22 \rtlch \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 sa}{\fs22 \rtlch \alang1025 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 u}{\
\langfe1033 \langfenp1033 kat}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\fs22 \
langfe1033 \langfenp1033 kun}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfenp1033 c}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i,}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 kn}{\
lang33 \langnp33 \langfe1033 \langfenp1033 i h}{\fs22 \rtlch \alang1025 \ltrch \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 g}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 A}{\
langnp33 \langfe1033 \langfenp1033 \scaps0 ).}{\fs22 \rtlch \alang1025 \ltrch \dbch
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }
{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-13 \expndtw-
langfenp1033 \scaps0 ala}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 adi}{\fs22 \
langfe1033 \langfenp1033 \scaps0 riwa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfe1033 \langfenp1033 \scaps0 ya}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
Im}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
langnp33 \langfe1033 \langfenp1033 \scaps0 m D}{\fs22 \rtlch \alang1025 \ltrch \
scaps0 uqu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 t}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\scaps0 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ri}{\fs22 \
langfenp1033 \scaps0 J}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langnp33 \langfe1033 \langfenp1033 \scaps0 r,}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfenp1033 \scaps0 N}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 bi}{\
langfenp1033 \scaps0 S}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 AW}{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 s}{\fs22 \
langfenp1033 \scaps0 da:}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \ql \fi0 \
lang33 \langnp33 \langfe1033 \langfenp1033 {\i1 \fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af7 \loch \f7 \lang33 \langnp33 \langfe1033 \langfenp1033 \uc1 \
u8221 ?Suatu yang amat aku khawatirkan terhadap umatku adalah besar perut, tidur
siang hari, malas, dan lemah keyakinan (tekad)\uc1 \u8220 ?.}{\i1 \fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 D}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 ala}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \
langnp33 \langfe1033 \langfenp1033 hi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 p}{\
\langfe1033 \langfenp1033 sese}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
\lang33 \langnp33 \langfe1033 \langfenp1033 an}{\fs22 \rtlch \alang1025 \ltrch \
1 \lang33 \langnp33 \langfe1033 \langfenp1033 as}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 or}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ,}{\fs22 \rtlch
langfenp1033 n }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 teta}
lang33 \langnp33 \langfe1033 \langfenp1033 pi}{\fs22 \rtlch \alang1025 \ltrch \dbch
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ik}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 mat}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 hid}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 mb}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 in}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 ada}{\fs22 \rtlch \alang1025 \ltrch \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 hid}
langfe1033 \langfenp1033 p }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 muli}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 M}{\
\lang33 \langnp33 \langfe1033 \langfenp1033 ndi}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 ada}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 nta}
lang33 \langnp33 \langfe1033 \langfenp1033 l}{\fs22 \rtlch \alang1025 \ltrch \
lang33 \langnp33 \langfe1033 \langfenp1033 mb}{\fs22 \rtlch \alang1025 \ltrch \dbch
langfe1033 \langfenp1033 uat sese}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 or}
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 an}{\fs22 \rtlch \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 te}{\
charscalex100 \expnd2 \expndtw2 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\
langfenp1033 D}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ala}
\langfe1033 \langfenp1033 Q}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 .}{\fs22 \rtlch
\alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \expnd1 \
expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 S}{\fs22 \rtlch \alang1025 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Al}{\fs22 \
rtlch \alang1025
lang33 \langnp33 \langfe1033 \langfenp1033 -}{\fs22 \rtlch \alang1025 \ltrch \
langfe1033 \langfenp1033 R}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
charscalex51 \lang33 \langnp33 \langfe1033 \langfenp1033 \uc1 \u8223 ?d}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 ay}{\fs22 \rtlch \alang1025 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\
scaps0 di}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 gask}{\fs22 \rtlch \alang1025 \ltrch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Al}{\fs22 \
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 ngu}{\fs22 \rtlch \alang1025 \ltrch \
scaps0 nas}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ib}{\fs22 \
scaps0 uat}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 u}{\fs22 \rtlch \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 kau}{\fs22 \
langnp33 \langfe1033 \langfenp1033 \scaps0 m}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m }{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 kau}{\fs22 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 itu}{\fs22 \rtlch \alang1025 \
ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g}{\fs22 \
expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 i}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 gi}{\fs22 \rtlch \alang1025 \
\langfe1033 \langfenp1033 \scaps0 g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 ib}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 ny}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\fs22 \rtlch \
\langfe1033 \langfenp1033 \scaps0 send}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
ri.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \ql \li0 \ri0 \sb0 \sa0 \
sl264 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs22 \rtlch \alang1025
\ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033
langfe1033 \langfenp1033 \sect }\sectd \sbkpage \pgwsxn9080 \pghsxn13610 \
marglsxn1020 \margrsxn1020 \margtsxn1040 \margbsxn860 \guttersxn0 \headery0 \
footery672 \pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \qj \fi0 \li254 \
af5 \loch \f7 \lang33 \langnp33 \langfe1033 \langfenp1033 Bagi manusia ada
malaikat-malaikat yang selalu mengikutinya bergiliran, di muka dan di belakangnya,
mereka menjaganya atas perintah Allah. Sesungguhnya Allah tidak merubah keadaan
sesuatu kaum sehingga mereka merubah keadaan yang ada pada diri mereka sendiri. Dan
apabila Allah menghendaki keburukan terhadap sesuatu kaum, maka tak ada yang dapat
menolaknya; dan sekali-kali tak ada pelindung bagi mereka selain}{\i1 \fs22 \
af5 \hich \af5 \loch \f7 \lang33 \langnp33 \langfe1033 \langfenp1033 Dia.}{\i1 \
langfe1033 \langfenp1033 \par }\pard \plain \s19 \ql \fi566 \li113 \ri0 \sb177 \sa0
lang33 \langnp33 \langfe1033 \langfenp1033 Menurut ayat di atas, setiap manusia
diberi kemampuan Allah untuk mengubah nasibnya sendiri. Hal ini berarti kemampuan}
langfe1033 \langfenp1033 nu}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 sia}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 untu}{\fs22 \rtlch \alang1025
\langfenp1033 k}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
ngarung}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 hid}{\fs22 \rtlch \alang1025
expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 p}{\fs22 \rtlch \
langfenp1033 kunci y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \
f5 \charscalex100 \expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033
a}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
charscalex100 \expnd1 \expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 b}{\
langfe1033 \langfenp1033 rik}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 Al}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 nt}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 uk}{\fs22 \
langfenp1033 kse}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 ia}{\fs22 \
charscalex100 \expnd3 \expndtw3 \lang33 \langnp33 \langfe1033 \langfenp1033 a}{\
\lang33 \langnp33 \langfe1033 \langfenp1033 ak}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 hir}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 lak}
lang33 \langnp33 \langfe1033 \langfenp1033 . D}{\fs22 \rtlch \alang1025 \ltrch \
\langfe1033 \langfenp1033 ala}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 m}{\fs22 \
lang33 \langnp33
\langfe1033 \langfenp1033 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 i,}{\fs22 \rtlch \
langfe1033 \langfenp1033 G}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 ym}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 as}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 4)}{\fs22 \
langfe1033 \langfenp1033 \scaps0 j}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
langfenp1033 \scaps0 elask}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\langfe1033 \langfenp1033 \scaps0 w}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 a}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g }{\
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 di}{\fs22 \
langfe1033 \langfenp1033 \scaps0 kanka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd15 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ada}{\fs22 \rtlch \alang1025 \
scaps0 h}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd17 \
scaps0 ng}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g}{\fs22 \rtlch \
expnd-4 \expndtw-4 \lang33
\langnp33 \langfe1033 \langfenp1033 \scaps0 k}{\fs22 \rtlch \alang1025 \ltrch \
langfenp1033 \scaps0 ag}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
langfenp1033 \scaps0 idak}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
scaps0 jadi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 b}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 n b}{\fs22 \rtlch
1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ag}{\fs22 \rtlch \alang1025 \
scaps0 la}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 D}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 \scaps0 sa}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
pi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
langnp33 \langfe1033 \langfenp1033 \scaps0 g}{\fs22 \rtlch \alang1025 \ltrch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 itu}{\
langfe1033 \langfenp1033 \scaps0 ia}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 an}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 \scaps0 nc}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ba}{\fs22 \
scaps0 n}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \f5 \expnd22 \expndtw22 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 i m}{\fs22 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 nang}{\fs22 \rtlch \alang1025 \
langfenp1033 \scaps0 un}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 g}{\fs22 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 o.}{\
scaps0 O}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\langfe1033 \langfenp1033 \scaps0 y}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 nta}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ndi}{\fs22 \rtlch \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 r}{\fs22 \rtlch \alang1025 \
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 k}{\fs22 \
scaps0 aka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 n m}{\fs22 \rtlch
langnp33 \langfe1033 \langfenp1033 \scaps0 nga}{\fs22 \rtlch \alang1025 \ltrch \
g}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
scaps0 u}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 it}{\
langfenp1033 \scaps0 aga}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 ata}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ,}{\
langfenp1033 \scaps0 nka}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 agai ta}{\fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 \scaps0 ta}{\fs22 \rtlch \alang1025 \ltrch \dbch
scaps0 da}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 p}{\fs22 \rtlch \alang1025 \
\langfe1033 \langfenp1033 \scaps0 lua}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Ti}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 nda}{\fs22 \rtlch \
\langfe1033 \langfenp1033 \scaps0 se}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 jut}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ny}{\fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 ada}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\fs22 \rtlch \alang1025
\ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-3 \expndtw-3 \lang33 \langnp33 \
langnp33 \langfe1033 \langfenp1033 \scaps0 mp}{\fs22 \rtlch \alang1025 \ltrch \dbch
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 te}{\fs22 \
scaps0 l }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 na}{\fs22 \rtlch \alang1025 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ad}{\fs22 \
langfe1033 \langfenp1033 \scaps0 Al}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 h,}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langfe1033 \langfenp1033 \scaps0 Dia}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
D}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 z}{\fs22 \rtlch \alang1025 \
langfenp1033 \scaps0 nc}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 p}{\fs22 \rtlch \
\langfe1033 \langfenp1033 \scaps0 se}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 \scaps0 al}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch
\f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 igus p}{\
langnp33 \langfe1033 \langfenp1033 \scaps0 mb}{\fs22 \rtlch \alang1025 \ltrch \dbch
ri}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-3 \
\scaps0 rizk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 i.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Islam mengutamakan pemahaman
bahwa setiap manusia diciptakan oleh Allah SWT dalam keadaan terbaik (Q.S. Al-
tiin:4). Potensi yang dimiliki manusia menunjukkan bahwa setiap manusia memiliki
peluang untuk menjadi mulia. Oleh karenanya setiap muslim tidak layak menjadi beban
orang lain. Muslim yang mentalnya peminta dianggap rendah harga dirinya,
sebagaimana sabda Nabi SAW bahwa tangan yang di atas lebih baik dari tangan yang di
bawah (HR.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-2
\expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \
Muslim).}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Demikianlah konsep kemandirian
dalam Islam. Berusaha sekuat tenaga untuk tidak menjadi beban bagi siapapun, namun
tetap menjadikan Allah SWT sebagai tempat berharap dan meminta pertolongan. Prilaku
Rasulullah SAW dalam bekerja patut dicontoh dan dijadikan teladan bagi seluruh
aktivitas seorang muslim. Semangat kerja yang dilandasi dengan ketauhidan kepada
Allah SWT akan melahirkan produktivitas yang dapat menghadirkan manfaat bagi
dirinya, usahanya, dan orang lain, di dunia maupun di}{\fs22 \rtlch \alang1025 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 akhirat.}{\fs22 \rtlch \
pgbrdropt32 \sectdefaultcl \endnhere \pard \plain \s2 \qc \fi0 \li2056 \ri2056 \
sb84 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin2056 \rin2056 \itap0 \
outlinelevel2 \b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
lang33 \langnp33 \langfe1033 \langfenp1033 {\b1 \fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Daftar
Pustaka}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33
\langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s19 \ql \fi0 \li0 \ri0 \sb7
\sa0 \sl240 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs22 \rtlch \
langfenp1033 {\b1 \fs26 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \qj \fi-567 \li679 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 Abdur}{\fs22 \
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dbch \af5 \hich \af5 \loch \f5 \lang33
\langnp33 \langfe1033 \langfenp1033 \scaps0 }{\i1 \fs22 \rtlch \alang1025 \
J}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \charscalex100 \
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al}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
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9 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\i1 \fs22 \rtlch \
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loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \ql \fi-567
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tql \tx973 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \
langfe1033 \langfenp1033 fi\uc1 \u8223 ?}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5
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dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \tab }{\
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loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 A.}{\fs22 \
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expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 t}{\i1 \fs22 \rtlch \
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\hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 a}
lang33 \langnp33 \langfe1033 \langfenp1033 .}{\i1 \fs22 \rtlch \alang1025 \ltrch \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\i1 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 94.}{\
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Arb}{\i1 \fs22 \
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\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 n}{\i1 \fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 e}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 s}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 J}{\
expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 r}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ta: }{\fs22 \rtlch \alang1025 \
ltrch \dbch \af5 \hich \af5
\loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 B}{\
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 da}{\fs22 \rtlch \
scaps0 M}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 uamala}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 t}{\fs22 \rtlch \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Indo}{\
langfe1033 \langfenp1033 \par }\pard \plain \ql \fi-567 \li679 \ri0 \sb1 \sa0 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 T}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 asmara}{\fs22 \rtlch \alang1025 \
langfenp1033 T}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfenp1033 o.}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 M}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 mbu}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 da}{\i1 \fs22 \
expndtw-4 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 y}{\i1 \fs22 \rtlch \
scaps0 an}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
langfe1033 \langfenp1033 \scaps0 Eto}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5
langfe1033 \langfenp1033 \scaps0 K}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 ja}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 }{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-3 \
langfe1033 \langfenp1033 \scaps0 J}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 : GIP.}
langfe1033 \langfenp1033 \par }\pard \plain \qj
\fi-567 \li679 \ri108 \sb5 \sa0 \sl261 \slmult1 \nowidctlpar \adjustright \
langfenp1033 Tim}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \expnd-3 \expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 D}{\
langnp33 \langfe1033 \langfenp1033 PAI}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 UM.}
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Aktu}{\fs22 \
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 al}{\fs22 \rtlch \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 P}{\i1 \fs22 \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ndid}{\i1 \fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 i}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 kan}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 }{\i1 \
langnp33 \langfe1033 \langfenp1033 \scaps0 I}{\i1 \fs22 \rtlch \alang1025 \ltrch \
langfenp1033 \scaps0 s}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 l}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfenp1033 \scaps0 m}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
af5 \hich \af5 \loch \f5 \expnd8 \expndtw8 \lang33 \langnp33 \langfe1033 \
loch \f5 \charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 R}{\
\langfe1033 \langfenp1033 \scaps0 p}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
langfe1033 \langfenp1033 \scaps0 o}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
scaps0 n }{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
scaps0 ter}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 h}{\i1 \fs22 \
expndtw1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\i1 \fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 d}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 ap}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
expnd-2 \expndtw-2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 r}{\i1 \fs22
expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 o}{\i1 \fs22 \rtlch \
langfe1033 \langfenp1033 \scaps0 bl}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
langfe1033 \langfenp1033 \scaps0 ti}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \
lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0
}{\i1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 U}{\i1 \fs22 \
expndtw-3 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 m}{\i1 \fs22 \rtlch \
langfenp1033 \scaps0 P}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
expnd-1 \expndtw-1 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ua}{\fs22 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Hil}{\fs22 \rtlch
2 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 a}{\fs22 \rtlch \alang1025 \
scaps0 P}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
charscalex100 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 s}{\fs22 \rtlch \
\lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 ta}{\fs22 \rtlch \alang1025 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \qj \li0 \
ri0 \sb0 \sa0 \sl261 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs22 \
\s2 \qc \fi0 \li2056 \ri2056 \sb84 \sa0 \sl240 \slmult1 \nowidctlpar \adjustright \
lin2056 \rin2056 \itap0 \outlinelevel2 \b1 \fs22 \rtlch \alang1025 \ltrch \dbch \
af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\b1 \fs22 \
langfe1033 \langfenp1033 Lembar Kerja Mahasiswa}{\b1 \fs22 \rtlch \alang1025 \ltrch
pard \plain \s19 \ql \fi0 \li0 \ri0 \sb7 \sa0 \sl240 \slmult1 \nowidctlpar \
adjustright \lin0 \rin0 \itap0 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5
\loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\b1 \fs26 \rtlch \alang1025
slmult1 \nowidctlpar \adjustright \lin540 \rin0 \tql \tx541 \itap0 \ls8 \fs22 \
dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f5 A.\
tab }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
langnp33 \langfe1033 \langfenp1033 Soal Dan}{\b1 \fs22 \rtlch \alang1025 \ltrch \
f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Latihan}{\b1 \fs22 \rtlch \alang1025
langfenp1033 \par }\pard \plain \qj \fi0 \li113 \ri114 \sb24 \sa0 \sl264 \slmult1 \
dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\b1 \
langfe1033 \langfenp1033 Jawablah pertanyaan-pertanyaan berikut dengan ringkas dan
jelas!}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Jelaskan
pengertian sistem ekonomi Islam dan prinsip-prinsip dasar sistem ekonomi}{\fs22 \
\af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0
Islam?}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \lang33 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 \scaps0 Ekonomi Islam
mempunyai nilai-nilai dasar yang merupakan implikasi dari asas filsafat tauhid.
Jelaskan nilai-nilai dasar tersebut!}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
langfenp1033 Uraikan perbedaan nilai instrumental sistem ekonomi kapitalis,
sosialis, dan sistem ekonomi}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
langfe1033 \langfenp1033 Islam!}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
lin540 \rin109 \tql \tx541 \itap0 \ls9 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \
hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \
langnp33 \langfe1033 \langfenp1033 \f2 4.\tab }{\fs22 \rtlch \alang1025 \ltrch \
Kemukakan pendapat anda tentang praktik-praktik perdagangan elektronika ditinjau
dari hukum}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-8
\expndtw-8 \lang33 \langnp33 \langfe1033 \langfenp1033 }{\fs22 \rtlch \alang1025 \
Islam!}{\fs22
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Apa yang akan anda lakukan
bila anda memiliki tabungan di bank konvensional yang menggunakan sistem bunga?
Jelaskan alasannya!}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5
\lang33 \langnp33 \langfe1033 \langfenp1033 \par }\pard \plain \s16 \qj \fi-360 \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Sebutkan keutamaan
bekerja dan etos kerja dalam perspektif Islam!}{\fs22 \rtlch \alang1025 \ltrch \
pard \plain \s16 \qj \fi-361 \li540 \ri0 \sb0 \sa0 \sl-250 \slmult0 \nowidctlpar \
adjustright \lin540 \rin0 \tql \tx541 \itap0 \ls9 \fs22 \rtlch \alang1025 \ltrch \
af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 7.\tab }{\fs22 \rtlch \
langfenp1033 Jelaskan pandangan Islam tentang kemandirian}{\fs22 \rtlch \
hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 hidup!}{\fs22 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Apa pendapat anda tentang
sebagian masyarakat Indonesia yang menjadikan mengemis sebagai profesinya? Jelaskan
dengan argumen akal dan dalil al-Qur\uc1 \u8223 ?an atau}{\fs22 \rtlch \alang1025 \
loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 hadis!}{\fs22 \rtlch \
langfenp1033 \par }\pard \plain \s19 \ql \fi0 \li0 \ri0 \sb1 \sa0 \sl240 \slmult1 \
slmult1 \nowidctlpar \adjustright \lin540 \rin0 \tql \tx541 \itap0 \outlinelevel2 \
ls8 \b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \af5 \lang33 \
langnp33 \langfe1033 \langfenp1033 {\listtext \pard \plain \b1 \fs22 \rtlch \
langfenp1033 \f5 B.\tab }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Tugas}{\b1 \fs22 \rtlch \
langnp33 \langfe1033 \langfenp1033 }{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5
\hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Kontekstual}{\b1 \
langfe1033 \langfenp1033 \par }\pard \plain \qj \fi0 \li113 \ri0 \sb26 \sa0 \
langfenp1033 {\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 Lakukan aktivitas-aktivitas berikut dan
catatlah hasilnya!}{\b1 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
rin108 \tql \tx541 \itap0 \ls10 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \
Wawancarai seorang pedagang kaki lima atau tukang becak di sekitar tempat tinggal
anda mengenai suka dan duka melakukan pekerjaan tersebut! Tanyakan kepadanya apa
yang membuat dia semangat}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
langfe1033 \langfenp1033 \scaps0 bekerja!}{\fs22 \rtlch \alang1025 \ltrch \dbch \
adjustright \lin540 \rin114 \tql \tx541 \itap0 \ls10 \fs22 \rtlch \alang1025 \ltrch
\dbch \af5 \hich \af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\
af5 \lang33 \langnp33 \langfe1033 \langfenp1033 \f2 2.\tab }{\fs22 \rtlch \
langfenp1033 \scaps0 Pelajarilah kehidupan masyarakat sekitar anda. Dari sudut
pandang agama, apa yang membuat negeri ini masih tertinggal jauh? Tuliskan dalam
bentuk}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \expnd-3 \
langfenp1033 \scaps0 essai!}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \
rin109 \tql \tx541 \itap0 \ls10 \fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \
af5 \loch \af5 \lang33 \langnp33 \langfe1033 \langfenp1033 {\listtext \pard \
dbch \af5 \hich \af5 \loch \f5 \lang33 \langnp33 \langfe1033 \langfenp1033 Pelajari
dan pahami diri anda sendiri dan cobalah temukan potensi apa yang anda miliki dan
bisa diberdayakan sehingga menjadi bermanfaat untuk mewujudkan kemandirian hidup
ala Islam!}{\fs22 \rtlch \alang1025 \ltrch \dbch \af5 \hich \af5 \loch \f5 \
lang33 \langnp33 \langfe1033 \langfenp1033 \par }}

Sistem Ekonomi Islam Dan Etos Kerja Islam

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Sistem Ekonomi Islam Dan Etos Kerja Islam

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