tag:blogger.com,1999:blog-33757749835209263352024-03-13T03:49:37.170-07:00Catatan Annisa"Jika anda mau berusaha, maka anda akan mendapatkannya."Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.comBlogger38125tag:blogger.com,1999:blog-3375774983520926335.post-3156789078329219462017-08-15T00:20:00.005-07:002017-08-15T00:20:56.082-07:00Tuhan, maaf kami sedang sibuk<!--[if gte mso 9]><xml>
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<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Tuhan, maaf selama ini kami merasa sok
sibuk. Padahal Engkaulah Yang Maha sibuk. Kami sering telat menghadapMu,
padahal Engkau tak pernah sekali pun telat memberi kami makan dan minum setiap
hari.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Kami sering kali lupa menunaikan kewajiban
padaMu, padahal Engkau tak pernah lupa menerbitkan matahari di pagi hari. Kami
sering lalai mengingatMu, padahal Engkau tak pernah sekalipun lalai
mempergilirkan siang dan malam. </span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Tuhan, harap maklumi kami, manusia-manusia
yang begitu banyak kegiatan. Kami benar-benar sibuk, sehingga kami amat
kesulitan menyempatkan waktu untukMu. Hanya untuk ibadah kita dicipta bukan
untuk memuaskan ambisi dunia kita. Tak sadar dihadapan Tuhan seolah-olah kita
adalah orang tersibuk. Padahal seluruh waktu, seluruh jatah usia bahkan hidup
kita seharusnya kita persembahkan dalam pengabdian kepadaNya. </span></div>
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<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">“ Dan Aku tidak menciptakan jin dan
manusia, melainkan supaya mereka mengabdi kepadaKu ( QS. Adz-Dzariyat : 56 ).</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Jangan pernah menganggap kematian kita masih
lama. Merasa dekat dengan kematian sering kali membuat hidup kita makin
produktif. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Created by : Ahmad Rifai Rifan, buku “Tuhan,
maaf kami sedang sibuk”. </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-73734459408578056162017-08-15T00:15:00.001-07:002017-08-15T00:15:02.979-07:00Potensi Kehidupan Manusia<!--[if gte mso 9]><xml>
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<span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;">Umat manusia adalah makhluk
terbaik yang telah diciptakan Allah. Hal ini difirmankan Allah di dalam
Al-Quran: “Sungguh, Kami telah menciptakan manusia dalam bentuk yang
sebaik-baiknya,” (At-Tin: 4). Karena itulah Allah melengkapi manusia dengan
berbagai potensi kehidupan, yang membuat manusia terdorong untuk beraktifitas
dalam kehidupannya.</span></div>
<div style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;">Beberapa potensi kehidupan ini
bisa dibagi menjadi tiga bagian: <b style="mso-bidi-font-weight: normal;">akal,
kebutuhan jasmani, dan naluri.</b></span></div>
<div style="line-height: 150%; text-align: justify;">
<br /></div>
<div style="line-height: 150%; text-align: justify;">
<em><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 11.0pt; font-style: normal; line-height: 150%; mso-bidi-font-style: italic;">Akal</span></b></em><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;"> </span></i></b><span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;">adalah
alat dan proses utama bagi manusia untuk berpikir dan mempertimbangkan sesuatu.
Ini adalah keistimewaan yang diberikan Allah kepada manusia dan tidak kepada
makhluk-makhluk yang lain. Dengan akal, manusia bisa mempertimbangkan mana yang
benar dan mana yang salah dan dengan akal pula manusia bisa mewujudkan sesuatu
untuk mempermudah kehidupannya.</span></div>
<div style="line-height: 150%; text-align: justify;">
<br /></div>
<div style="line-height: 150%; text-align: justify;">
<em><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 11.0pt; font-style: normal; line-height: 150%; mso-bidi-font-style: italic;">Kebutuhan Jasmani</span></b></em><span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;"> adalah
dorongan yang dihasilkan dari metabolisme tubuh manusia. Dorongan ini datangnya
dari dalam tubuh manusia itu sendiri, seperti: rasa haus, rasa lapar, kantuk,
ingin buang air besar atau buang air kecil, rasa lelah dan sebagainya.
Dorongan-dorongan ini wajib dipenuhi, karena jika tidak dipenuhi akan
mengakibatkan kerusakan tubuh dan bahkan kematian. Dorongan ini pulalah yang
menjadikan hidup manusia dinamis dan selalu bergerak. Karena rasa lapar,
manusia butuh makan dan karena butuh makan itulah maka manusia bekerja mencari
nafkah. Pergerakan ekonomi pun menjadi aktif, salah satunya karena ada rasa
lapar dalam diri manusia.</span></div>
<div style="line-height: 150%; text-align: justify;">
<br /></div>
<div style="line-height: 150%; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;">Naluri</span></b><span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;"> adalah
dorongan-dorongan naluriah manusia yang mewujud dalam berbagai tingkah laku dan
kecenderungan manusia. Naluri ini dibagi menjadi <b style="mso-bidi-font-weight: normal;">tiga bagian</b>: <b style="mso-bidi-font-weight: normal;">Naluri
mempertahankan diri (<em><span style="font-family: "Comic Sans MS";">gharizatul
baqa’</span></em>)</b> yang perwujudannya adalah rasa takut, malu, marah, bangga,
ingin dihormati dan diakui dan sebagainya. <b style="mso-bidi-font-weight: normal;">Naluri
mempertahankan jenis (gharizatun nau’) </b><span style="mso-spacerun: yes;"> </span>yang perwujudannya adalah rasa cinta kepada
lawan jenis, naluri seksual, rasa sayang kepada sanak keluarga, rasa kasihan
kepada orang-orang yang teraniaya dan sebagainya. <b style="mso-bidi-font-weight: normal;">Naluri mensucikan/menyembah (<em><span style="font-family: "Comic Sans MS";">gharizhatut
tadayyun</span></em>) </b>yang perwujudannya adalah rasa lemah di hadapan sosok
yang lebih agung, rasa ingin mengagungkan dan menyembah sesuatu.</span></div>
<div style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 11.0pt; line-height: 150%;">Dengan adanya potensi kehidupan
ini, manusia menjadi makhluk yang aktif dan dinamis. Peradabannya akan penuh
warna dan romantika. Islam diturunkan oleh Allah untuk menuntun manusia dalam
memenuhi semua potensi kehidupannya ini, agar tetap di atas jalan yang benar dan
tidak menjadi bencana bagi dirinya sendiri</span></div>
<div style="line-height: 150%; text-align: justify;">
<br /></div>
<span style="font-family: "Comic Sans MS"; font-size: 11.0pt;">Created by : </span><a href="https://app.kirim.email/lt.php?c=21153&m=19690&nl=6507&s=aaa4912e3947dbcf64d7c7bb65e22ab6&lid=107130&l=-http--instagram.com/yukngajiid" target="_blank"><span style="font-family: "Comic Sans MS"; font-size: 11.0pt;">instagram.com/yukngajiid</span></a><span style="font-family: "Comic Sans MS"; font-size: 11.0pt;"></span><br />
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Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-3356505533371924842017-08-01T06:59:00.000-07:002017-08-01T06:59:04.439-07:00Jangan Baper<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Jangan
terlalu baper ngeliat pasangan yg sudah menikah. Boleh aja sih baper tapi di
imbangi juga dengan mencari ilmunya. Bila masih tahap mencari dan menanti, yuk
berusaha memperbaiki kualitas diri dulu. Karena jangan pernah menuntut mendapatkan
pasangan baik, bila diri sendiri tidak mau memperbaiki diri. Bila tahap sudah
menemukan yang idamkan, mantapkan hati, berusaha dan berdoa untuk menuju niat
yang baik.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Tapi
katanya lelaki yang baik akan bersama wanita yang baik. Terus gimana kalau cuma
lelakinya aja yang baik atau malah sebaliknya ? </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Hijrahnya
suami akan menjadi hijrahnya istri juga ( dan sebaliknya ya ). Hijrah jadi
jalan untuk pasangan yang salah satunya baik atau malah keduanya belum baik
menjadi lebih baik.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Yang
terpenting kalau kata Ust @felixsiauw, jangan utamakan memilih karena fisiknya.
Karena rumput tetangga bisa jadi lebih hijau. Hari ini dia memuji cantik, tapi
besoknya ngeliat wanita lain kok kayanya yang ini lebih cantik ya.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Wanita
idaman ialah yang bisa menjaga kehormatannya, sedangkan lelaki idaman ialah
yang pemberani dan bertanggung jawab untuk berusaha mendapatkan wanita yang di
idamkannya.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created
by : Annisa Assadah </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-15801078774539468842017-08-01T06:53:00.000-07:002017-08-01T06:53:44.551-07:00Sedekah<!--[if gte mso 9]><xml>
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<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Ketika seseorang sudah meninggal ada 3
amalan yang tidak akan putus dan akan terus mengalir di akhirat, yaitu :</span></div>
<ol>
<li><span style="font-family: "Comic Sans MS";"> </span><span style="font-family: "Comic Sans MS";">Ilmu yang bermanfaat</span><span style="font-family: "Comic Sans MS";"> </span></li>
<li><span style="font-family: "Comic Sans MS";">Sedekah jariyah</span><span style="font-family: "Comic Sans MS"; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span></li>
<li><span style="font-family: "Comic Sans MS"; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Comic Sans MS";">Doa anak yang sholeh </span></li>
</ol>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Sesungguhnya di dalam rezeki yang kita
punya terdapat hak milik orang lain yang harus kita keluarkan kepada orang yang
membutuhkan. Dan sesungguhnya kalau kita menghitung dalam ilmu matematika,
memberikan uang berarti uang menjadi berkurang. Tapi, dalam ilmu sedekah
sesungguhnya itu menjadi bertambah. Kenapa bisa begitu ? karena setiap uang
yang dikeluarkan akan Allah lipat gandakan. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Dijelaskan dalam ayat berikut : </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";"><span style="mso-spacerun: yes;"> </span>“Perumpamaan
(nafkah yang dikeluarkan oleh) orang-orang yang menafkahkan hartanya di jalan
Allah adalah serupa dengan sebutir benih yang menumbuhkan 7 bulir, pada tiap-tiap
bulir 100 biji. Allah melipat gandakan (ganjaran) bagi siapa yang Dia
kehendaki. Dan Allah Maha Luas karuniaNya lagi Maha Mengetahui. “ ( QS. Al
Baqarah : 261 ).</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Dalam Surat Al Lail ayat 5-10 : </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">“Adapun orang yang memberikan hartanya di
jalan Allah dan bertaqwa dan membenarkan adanya pahala yang terbaik (surga),
maka Kami kelak akan menyiapkan baginya jalan yang mudah. Dan adapun
orang-orang yang bakhil dan merasa dirinya cukup serta mendustakan pahala yang
terbaik, maka kelak Kami akan menyiapkan baginya (jalan) yang sukar.” </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Dalam Surat Ibrahim ayat 31 :</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">“Katakanlah kepada hamba-hambaKu yang telah
beriman, Hendaklah mereka mendirikan shalat, menafkahkan sebagian rezeki yang
Kami berikan kepada mereka secara sembunyi ataupun terang-terangan sebelum datang
hari kiamat yang pada hari itu tidak ada jual beli dan persahabatan”. </span></div>
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<span style="font-family: "Comic Sans MS";">Created by : Annisa Assadah</span></div>
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<span style="font-family: "Comic Sans MS";">Pernikahan adalah ikatan (akad) perkawinan
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<span style="font-family: "Comic Sans MS";">Nikah juga dianggap sebagai simbol
kematangan dan kedewasaan seseorang dalam pergaulan bermasyarakat. Dengan
menikah berarti dianggap telah mampu bertanggung jawab untuk membentuk sebuah
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<span style="font-family: "Comic Sans MS";">Secara fitrah tentu saja muncul dorongan
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disepakati sebagai satu-satunya cara untuk menghalalkan perbuatan itu.
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di saksikan oleh Allah dan dilegalkan oleh agama, adat dan Negara. </span></div>
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<span style="font-family: "Comic Sans MS";">Berapa idealnya umur seseorang untuk
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membuat orang menunda menikah. Menurut Undang-undang RI No 1 tahun 1974 tentang
Perkawinan, kalau pria umur 19 tahun dan wanita umur 16 tahun sudah bisa
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izin dari orangtua masing-masing. </span></div>
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minimal pada usia 20-25 tahun. Pertimbangannya karena dari segi pikiran dan
kesiapan mental sudah cukup dewasa. Alat reproduksi wanita juga sudah sangat
matang pada usia 18-20 tahun. Penelitian Penn-State University USA menemukan
pasangan yang nikah muda (18-25 tahun) memiliki perkembangan psikologis jauh
lebih baik dibandingkan pasangan yang terlambat menikah.<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Usia kehamilan yang aman pada wanita juga
terdapat pada rentang umur 20-35 tahun. Wanita yang menunda nikah dan baru
hamil diatas umur 40 tahun, memiliki resiko cukup tinggi terhadap kehamilannya.
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<span style="font-family: "Comic Sans MS";">Created by : Buku AKU, KAU, KUA </span></div>
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<br /></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-36907943340933739452017-05-07T00:53:00.004-07:002017-05-07T00:53:56.373-07:00Tarbiyah Dzatiyah<!--[if gte mso 9]><xml>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Tarbiyah
Dzatiyah</span></div>
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<span style="font-family: "Comic Sans MS";">Question : </span></div>
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<span style="font-family: "Comic Sans MS"; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;"> 1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Comic Sans MS";">Jika anda tidak mentarbiyah (membina) diri
anda, siapa yg akan mentarbiyah anda ?</span></div>
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<span style="font-family: "Comic Sans MS"; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;"> 2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Comic Sans MS";">Siapa yang mentarbiyah seseorang saat ia
berusia 15, 20, 30 tahun atau lebih ?</span></div>
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<span style="font-family: "Comic Sans MS";">Ask :</span></div>
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<span style="font-family: "Comic Sans MS";">Sebenarnya bila seseorang tidak mentarbiyah
dirinya sendiri maka tidak ada orang lain yang akan mentarbiyah /
mempengaruhinya. Ini karena orang tuanya secara khusus atau manusia pada
umumnya berkeyakinan bahwa ia telah dewasa, lebih mengetahui apa yang lebih
mendatangkan kemaslahatan bagi dirinya. Mereka (orang tua & manusia lainnya
) sibuk dengan pekerjaan mereka masing-masing. Sehingga tidak punya waktu untuk
mengurusinya. Alhasil, jika ia tidak mentarbiyah dirinya sendiri maka ia akan
kehilangan waktu-waktu ketaatan & kebaikan. Hari dan umur terus berjalan.
Karena ingatlah hisab kepada setiap hambaNya bersifat individual.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Created by : Abdullah bin Abdul Aziz
al-Aidan,<span style="mso-spacerun: yes;"> </span>ebook “Tarbiyah Dzatiyah” </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-51717941169169637972017-05-07T00:47:00.000-07:002017-05-07T00:47:31.066-07:00Ketampanan VS Keimanan <!--[if !mso]>
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<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 115%;">Ketampanan
VS Keimanan </span></div>
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<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Tak bisa dipungkiri manusia menyukai
hal-hal yang indah. Kalau ada yang cantik, tampan, kinclong dikit-dikit suka
ngelirik, eh lama-lama dipelototin sampai ga nyadar bermenit-menit ngeliatin
orang tersebut.</span></div>
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<span style="font-family: "Comic Sans MS";">Saya pun terkadang begitu, kadang suka
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tertuju ke arah cowo tersebut. Tapi, biasanya kalau saya setelah ngelirik
tiba-tiba langsung kesadar gitu. Langsung dalam hati bilang “ itu cowo memang
tampan tapi belum tentu akhlak dan agamanya baik”. </span></div>
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<span style="font-family: "Comic Sans MS";">Menjaga penampilan fisik memang perlu ya,
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dimakan waktu seiring dengan bertambahnya umur.</span></div>
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<span style="font-family: "Comic Sans MS";">Tapi kalau saya lebih terpesona banget dengan
cowo beriman, karena auranya tuh bersinar terang bikin silau di hati. Eaaeaaa</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Jadi pilih yang mana ketampanan atau
keimanan ?</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Created by : Annisa Assadah </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-91532169562724153332017-02-28T04:34:00.001-08:002017-02-28T04:34:28.184-08:00Siap-siap Jawab Pertanyaan Ini Ketika Taaruf<!--[if !mso]>
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<b><span style="font-family: "Comic Sans MS"; font-size: 16.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Siap-siap Jawab Pertanyaan Ini Ketika Taaruf</span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvR2I1R8FKMg2aV4aP-YUmASFjVPb3byk7yciafLkffzqIpKzcDnQa_PARdueYEKMWWdQovYsSHtf1cWgjqqwVKDbydKYmf8v4Hc31weC-Fr3e2bLy6Der2TLDddhS3sWeghPRCflzAPG-/s1600/IMG_2997%255B1%255D.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvR2I1R8FKMg2aV4aP-YUmASFjVPb3byk7yciafLkffzqIpKzcDnQa_PARdueYEKMWWdQovYsSHtf1cWgjqqwVKDbydKYmf8v4Hc31weC-Fr3e2bLy6Der2TLDddhS3sWeghPRCflzAPG-/s320/IMG_2997%255B1%255D.jpg" width="320" /></a></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">1). Apa visi misi rumah tanggamu?<br />
2). Bagaimana caramu mendidik anak?<br />
3). Apa pendapatmu tentang wanita karir?<br />
4). Digunakan untuk apakah waktu luangmu?<br />
5). Bagaimana sikapmu jika kondisi keuangan suami melemah?</span></div>
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<br /></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Nah #Lovalila , kalau kamu ditanya
seperti diatas oleh pasangan ta’arufmu pada proses tanya jawab langsung.. kamu
mau jawab apa?<br />
Jangan sampai jawabannya buat PR yaa </span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Beberapa pertanyaan diatas itu hanyalah
contoh pertanyaan yang harus kita perhatikan ya dear (sebenernya masih banyak
yg lainnya). Biasanya laki-laki menanyakan hal tersebut untuk mengetahui
seperti apa diri kita dan seberapa siap kita untuk berumah tangga.</span></div>
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Nah.. jadi perhatikan tuh pertanyaan
diatas, siapkan jawabannya yang matang. Jawaban jangan hanya sekedar kata-kata
ya dear, tapi juga harus siap untuk kita praktikkan.</span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> Ga perlu bohong, ga perlu
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Sehingga dari jawaban-jawaban inilah
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pondasi rumah tangga nanti.</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Jadi yuk kita persiapkan dari sekarang
agar kita tidak kaget, serta dapat menjawab segala pertanyaan dengan bijak dan
tanggungjawab sesuai dengan isi hati kita. </span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Created by Hijab Alila </span></div>
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<br /></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-80663056362305416752017-02-28T04:24:00.001-08:002017-02-28T04:24:29.315-08:00Rahasiakan Taaruf, Sebarkan Pernikahan<!--[if !mso]>
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<div align="center" class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 1; text-align: center;">
<b><span style="font-family: "Comic Sans MS"; font-size: 16.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Rahasiakan Taaruf, Sebarkan Pernikahan</span></b></div>
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<br /></div>
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</span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Pernikahan yang diberkahi oleh Allah
bukan saat hari pernikahannya saja tetapi juga dari awal proses yang dijalani
hingga menuju pernikahan tersebut.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">“Rahasiakan pinangan, umumkanlah
pernikahan (HR. Ath Thabrani)</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Dear bagi yang sedang menjalankan
Ta’aruf, ingatlah pesan Rasulullah untuk merahasiakan pinangan. Ta’aruf adalah
bagian dari pinangan, jadi sebaiknya kita rahasiakan. Karena ta’aruf bukan jaminan hubungan kita berlanjut ke pelaminan. Seandainya
tidak cocok, maka taaruf tak harus dilanjutkan. Dan.. prosesnya yang rahasia
menghindarkan kita dari rasa malu apabila ketidak cocokan ini terjadi. Menjaga
nama baik satu sama lain, dan tidak menimbulkan fitnah serta
prasangka-prasangka dari orang lain.</span></div>
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Dear sejatinya, pernikahan dalam Islam
memang tak boleh ditutup-tutupi. Ia harus dipublikasikan. Agar orang-orang
merestui serta turut medoakan kebaikan atas pernikahan kita. Juga agar
orang-orang mengenal mempelai serta keluarganya, sehingga tidak menjadi fitnah.</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Created
by Hijab Alila </span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;"></span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-77989810553490984752017-02-28T04:16:00.000-08:002017-02-28T04:16:31.568-08:00Jangan Baper ! Taaruf Belum Tentu Berujung Pelaminan<!--[if !mso]>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5qS95DsA8AX1F0RawE7-0LDV7XG_vKRRcKlfvmhi8gfXTOd5rIVDK9mdTLY_xFC2w9r-OvaoQuIuJMWsgQtT0PlFxATpY0r_dnzg508-4psCtVjKApOL8-tG1N8o2EhtJXEqChsFqdZHk/s1600/IMG_3002%255B1%255D.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5qS95DsA8AX1F0RawE7-0LDV7XG_vKRRcKlfvmhi8gfXTOd5rIVDK9mdTLY_xFC2w9r-OvaoQuIuJMWsgQtT0PlFxATpY0r_dnzg508-4psCtVjKApOL8-tG1N8o2EhtJXEqChsFqdZHk/s320/IMG_3002%255B1%255D.jpg" width="320" /></a></div>
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</span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Jangan BAPER!! Taaruf belum tentu
berujung pelaminan.<br />
Taaruf merupakan proses perkenalan yang merupakan rangkaian dari khitbah.
Seperti yang kita ketahui, dalam proses taaruf banyak pertanyaan-pertanyaan
tentang pribadi dan pandangan kedua belah pihak.</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Nah.. dalam perkenalan kedua karakter
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untuk bisa menerima dan mau melanjutkan atau tidak.</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Terkadang dari salah satu pihak masih
ada rasa kurang cocok. Tapi pihak lainnya sudah terlalu suka.. terlalu sering
memikirkan pasangan taarufnya, akhirnya sudah benar-benar mengimpikan menikah.
Sehingga ketika rasa tidak cocok disampaikan, hati rasa remuk bagai diiris
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Jangan ya dear.. anggaplah taaruf ini
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pasti.</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Ya memang pasti ada rasa kecewa karena
bahagia tertunda. Tapi tak apa, mungkin Allah tengah menyiapkan yang lain, yang
lebih baik dan lebih cocok untukmu. Maka, tetap semangat dan jangan berhenti
hanya karena kegagalan taaruf. Jodohmu diluar sana masih menunggu. </span></div>
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Created by Hijab Alila </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-69169550890145926992017-02-28T04:09:00.003-08:002017-02-28T04:09:43.790-08:00Ajukan Pertanyaan Ini Untuk Calon Suami <!--[if !mso]>
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<div align="center" class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 1; text-align: center;">
<b><span style="font-family: "Comic Sans MS"; font-size: 16.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Ajukan Pertanyaan Ini Untuk Calon Suami</span></b></div>
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<br /></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjl6FoA_jKY9d1H2fe9t6Uh0Ht5xenMulvOdAD5JVDI8HQ64tt8zBctHBTvkqsdrbunUiROjr05GMkPSNfAyqG8WsfXa0RfIJ4qqaoTqjkYUQOXLWJUG728GWb5fcK4up_0pbRTTCqGtjR3/s1600/Picture1.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjl6FoA_jKY9d1H2fe9t6Uh0Ht5xenMulvOdAD5JVDI8HQ64tt8zBctHBTvkqsdrbunUiROjr05GMkPSNfAyqG8WsfXa0RfIJ4qqaoTqjkYUQOXLWJUG728GWb5fcK4up_0pbRTTCqGtjR3/s320/Picture1.png" width="306" /></a></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br />
Sudah siapkan pertanyaan untuk lebih mengenal calon suamimu ?<br />
Kalau belum, semoga 5 pertanyaan ini bisa menjadi referensi ya </span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Pertama, tanyakan visi misi dia untuk
berumah tangga. Agar jelas tujuan dan kiat-kiat dia dalam membangun keluarga.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kedua, tanyakan juga kepadanya tentang
kualitas ibadah. Ibadah sunnah apa saja yang biasanya ia lakukan, ibadah yang
dapat diunggulkan, agar kita juga bisa mengimbanginya. Kalau yang wajib dan
sunnahnya oke, alhamdulillah semoga kita dapat mengimbangi. Namun kalau belum,
itu bisa jadi pertimbangan. Karena suami adalah panutan bagi istrinya dan
menikah adalah bagian dari ibadah, maka jangan sampai kelalaian si dia juga
membuat kita lalai.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Nah yang ketiga, cara dia memperlakukan
ibunya. Jawabannya sangat berpengaruh bagaimana caranya memperlakukan istrinya
kelak. Karena Ibu adalah wanita yang paling dekat dengannya, sama seperti kita
nanti. Kalau perlakuannya baik kpd ibunya, maka insya Allah perlakuannya juga
baik kepada wanita yang akan menemani kesehariannya nanti.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Tanyakan pula cara dia mengatur dan
sumber nafkah yang akan ia berikan kepada keluarganya kelak. Karena tak dapat
dipungkiri, kehidupan berumah tangga memang butuh kejelasan materi. Meski kita
tau bahwa Allah Sang Pemberi Rezeki, namun mempertanyakan ini kepadanya bukan
berarti tanda tidak syukur kita yaa. Hanya saja hal ini perlu ditanyakan untuk
melihat kesiapan dan tanggung jawab si calon.</span></div>
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kelima, tempat tinggal setelah menikah.
Bukan menanyakan rumahnya semewah apa.. bukan juga menyakan luas tanahnya.
Cukup tanyakan dimana kita akan tinggal setelah menikah. Baik itu rumah sepetak
ataupun ngontrak, setidaknya si dia sudah mempersiapkan tempat dimana memulai
rumah tangganya.</span></div>
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Pertanyaan diatas hanya sebagian kecil,
biasanya wanita lebih banyak bertanya karena memiliki ke-kepoan yang tinggi.
Mulai dari kebiasaan sehari-hari sampai pandangannya tentang poligami. Tak apa,
selama pertanyaannya syar’i dengan tujuan perkenalan yang baik.</span></div>
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Oh ya.. Pertanyaan-pertanyaan tersebut
dilakukan secara langsung, tapi tidak berduaan. Pertemuan dilakukan berempat.
Kamu, perantaramu, calon, dan perantara si calon. Tujuannya agar ada saksi dari
jawaban pertanyaan serta menghindari fitnah.</span></div>
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<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created
by Hijab Alila </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-31723202673667386202017-02-28T00:09:00.002-08:002017-02-28T00:09:49.162-08:00Seminar Pra Nikah<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 20.0pt; line-height: 150%;">Seminar pra nikah </span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Salah
satu ikhtiar menjemput jodoh adalah persiapan dalam mempelajari ilmu untuk bekal
pernikahan. Oleh karena itu, saya mengikuti seminar pra nikah di STAI Asy
Syukriyah tanggal 19 februari 2017. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Pembahasannya
tentang ……</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Proses
mencari pasangan antara umur 20 – 30 tahun. Karena kisaran umur tersebut fisik
masih bugar dan secara mental pun sudah dewasa. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Makna
cinta : </span></div>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Cinta adalah anugerah dari Allah</span></li>
</ul>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Cinta thobi’i ( Q.S 3 : 14 )</span></li>
</ul>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Cinta yang bersifat syari’i ( Q.S 49 :7 )</span></li>
</ul>
<br />
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Tanda-tanda
jatuh cinta :</span></div>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Ada rasa ta’ajub</span></li>
</ul>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Ada rasa roja (harap) dan khouf (cemas)</span></li>
</ul>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Dll * tapi belum sempet kecatet, ketinggalan </span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;"></span></li>
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<br />
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Tingkatan
cinta : Q.S At Taubah : 24</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Salah
satu cara memantaskan diri dalam menjemput jodoh adalah memperbaiki diri. Ingat
niatkan karena Allah untuk memperbaiki diri bukan karena ingin memperoleh
pujian dan simpati oleh orang lain. Agar tidak menyesal di kemudian hari bila
tidak mendapatkan apa yang di inginkan.<span style="mso-spacerun: yes;">
</span>(Q. S 2 : 216) </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Tahap-tahap
siap menikah : </span></div>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Niat </span></li>
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<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
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karena Allah semata. </span></div>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
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<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Dalam hal
persiapan seperti : mental, ilmu, materi. </span></div>
<br />
<ul>
<li><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
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<br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Usaha
mencari jodoh bisa lewat perantara murobi, teman, orang tua. Tapi ingat
utamakan lihat agamanya. Nah bila sudah berusaha semaksimal mungkin, jangan
lupa selalu libatkan Allah terus berdoa agar dimudahkan segalanya.</span></div>
<br />
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</span></span></span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Tawakal</span></li>
</ul>
<br />
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Terakhir,
bila semua sudah dijalankan kita harus bertawakal. Karena sejatinya Dia Yang
Mengetahui apa yang terbaik bagi hambaNya. </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-22591290208721983952015-01-05T00:13:00.004-08:002015-01-05T00:13:43.320-08:00You Are Not Alone<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">You Are Not Alone</span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Saat
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diri merasa tidak kuat lagi berjuang. Waspadalah karena di saat seperti itulah
kita sering merasa sendirian.</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Anda yang
pernah mengalami masa-masa itu pasti sangat paham tapi ketahuilah bahwa anda
tidak sendirian. Buang jauh-jauh pemikiran bahwa anda berjuang sendirian
menghadapi masalah. Ingatlah, anda masih punya Allah … Dia tau apa yang sedang
kita rasakan dan Dia juga tau bagaimana mambantu kita keluar dari masalah yang
terpelik sekalipun. Jangan terlalu mengandalkan kekuatan diri sendiri dalam
menghadapi masalah karena manusia memang punya kemampuan terbatas.</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Berserahlah
kepada Allah … mendekatlah kepadaNya. Mohon ampunanNya dan mintalah bantuanNya.
Ingat, setan akan menggunakan segala cara dan upaya untuk membuat anda semakin
yakin bahwa anda benar-benar sendirian menghadapi masalah ini. Padahal Allah
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dari urat nadi di lehermu.” </span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created :
Indra Noveldy & Nunik Hermawati - Buku “Menikah Untuk Bahagia”</span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-90121715163454830022015-01-05T00:13:00.000-08:002015-01-05T00:13:06.274-08:00Mama<!--[if gte mso 9]><xml>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">( 26
April 2005 ) </span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created :
Annisa Assadah </span></div>
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<br /></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-53266290694044376692015-01-05T00:12:00.001-08:002015-01-05T00:12:15.018-08:00Diamonds Of Love<!--[if gte mso 9]><xml>
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kuat di perut bumi, sekitar 5 giga pascal. Paduan tekanan yang sangat kuat,
suhu yang sangat tinggi serta proses yang mencapai jutaan sampai miliaran
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harus dipotong dan dibuang di bagian tertentu. Tentu proses pemotongan ini
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kehidupan pernikahan. Untuk bisa mendapatkan kualitas kehidupan pernikahan yang
berkilau, indah dan solid, kita harus mau melewati proses yang sama. Kita akan
melewati tekanan yang sangat besar serta panasnya suasana hati dan emosi yang
terjadi dalam prosesnya. Kita juga harus rela dipotong dan dibuang bagian yang
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Terakhir,
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bersedia menjalani semua proses tersebut, Insya Allah kita akan memiliki dan
menikmati kehidupan pernikahan yang bukan hanya solid tapi juga berkilau sangat
indah. Aamiin </span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created :
Indra Noveldy & Nunik Hermawati - Buku “Menikah Untuk Bahagia”<span style="mso-tab-count: 1;"> </span></span></div>
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<br /></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-64261758008585633832014-11-11T22:51:00.001-08:002014-11-11T22:51:14.977-08:00Pengaruh Dana Pihak Ketiga dan Non Performing Financing (NPF) Terhadap Laba Pada PT Bank BNI Syariah Periode Juni – September 2010 - 2013<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Pengaruh Dana Pihak Ketiga dan Non Performing
Financing (NPF) Terhadap Laba Pada PT Bank BNI Syariah Periode Juni – September
2010 - 2013</span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Ini judul
skripsi yang telah membuat saya mendapat gelar sarjana ekonomi. Sebuah
perjuangan yang tidak mudah dan tidak juga terlalu sulit mengerjakan skripsi. Dalam
waktu 3 bulan, saya mengerjakan skripsi. Perjuangannya luar biasa mulai dari ke
UIN dan UI mencari referensi judul skripsi, ke LIPI mencari jurnal ilmiah, magang
di BNI Syariah selama 1 bulan, balik lagi ke UIN mencari referensi skripsi,
lalu riset ke OJK (Otoritas Jasa Keuangan) dan BI (Bank Indonesia). Dan itu
semua terbayar, dengan lulus menjadi sarjana ekonomi.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Mau
sedikit cerita tentang hasil skripsi ini yaa …</span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Dalam
mengelola usahanya perbankan melakukan pendanaan dan pembiayaan. Dana pihak
ketiga adalah dana yang dihimpun dari masyarakat berupa tabungan, deposito dan
giro. Sedangkan NPF adalah pembiayaan bermasalah. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Hasilnya
dana pihak ketiga terhadap laba yaitu positif dan signifikan, artinya setiap dana
pihak ketiga meningkat maka akan diikuti dengan kenaikan laba dan dana pihak
ketiga berpengaruh terhadap laba. Sedangkan NPF terhadap laba yaitu negatif dan
signifikan, artinya setiap NPF meningkat maka akan diikuti dengan penurunan
laba dan NPF berpengaruh terhadap laba. Secara simultan, dana pihak ketiga dan
NPF terhadap laba yaitu positif dan signifikan. <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created :
Annisa Assadah </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-20271405479723866832014-11-11T22:50:00.003-08:002014-11-11T22:50:38.276-08:00Muslimah, yuk menutup aurat<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Muslimah, yuk menutup aurat</span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Perintah
berjilbab langsung dari Allah loh. Makanya tidak ada alasan lagi buat muslimah
untuk tidak berjilbab. Perintah memakai jilbab diturunkan justru untuk
menyelamatkan para muslimah.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Betapa Allah
memuliakan para wanita. Karena perintah menutup aurat<span style="mso-spacerun: yes;"> </span>Allah jelaskan dalam Q.S Al Ahzab : 59 dan
Q.S An Nur : 31. Muslimah… kecantikanmu amat berharga, maka tutupilah auratmu
itu. Karena sesungguhnya hidayah itu harus dijemput bukan untuk ditunggu. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Semoga
muslimah yang belum menutup aurat, segera mendapatkan hidayah. Saya dan kaum
muslimah lain yang sudah menutup aurat, semoga tetap istiqomah dalam menjaga
kesucian dan kehormatan dengan menutup aurat. Aamiin </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created :
Annisa Assadah </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-45251966586667644852014-11-11T22:49:00.002-08:002014-11-11T22:49:53.823-08:00Merindukan<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Merindukan</span></b></div>
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tersebut bersembunyi di bangunan yang kokoh sekalipun. </span></div>
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kejadian yang benar-benar mengejutkan dan menyedihkan bagi saya dan bagi
orang-orang di sekeliling saya. Pada saat itu pikiran saya masih polos dan
menerima kabar itu pun rasanya berharap ingin hanya sebuah mimpi. Sampai saya tidur
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yang sudah dewasa, sampai sekarang pun aku masih merasa kehilangan dan sedih. Lalu
bagaimana dengan adikku, yang ketika mama meninggal dia masih berumur 7 tahun. Aku
sampai sekarang masih merasa rapuh karena tidak adanya kasih sayang dari
seorang ibu, lalu bagaimana dengan adikku… pasti dia juga merasakan hal yang
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masih berantem dan suka marah-marah dengan adikku tapi sesungguhnya aku sangat
menyayanginya. Insya Allah, selama aku masih hidup di dunia… aku akan selalu
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created :
Annisa Assadah </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-55639724355891499612014-11-11T22:48:00.000-08:002014-11-11T22:48:20.996-08:00Menikah Karena Allah atau Sendiri Karena Allah<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Menikah Karena Allah atau Sendiri Karena
Allah</span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Ketika
banyak perempuan seumuran saya memilih untuk berpacaran, katanya untuk mengenali
calon pasangannya nanti apakah pantas dijadikan suami atau tidak. Saya lebih
memilih untuk tidak berpacaran. Ini saya lakukan karena ingin menjaga
kehormatan saya, lagipula di dalam agama islam tidak ada namanya pacaran yang
ada hanya melalui taaruf. Mungkin sebagian teman yang belum mengenali prinsip
saya ini, menganggap saya tidak gaul. Karena banyak yang suka bertanya kepada
saya… kenapa tidak pacaran ? . Saya hanya bisa sedikit tersenyum sambil menjawab
tidak mau pacaran aja. Walaupun sebenarnya saya cape dan kadang suka kesel,
ketika yang ditanya hal itu lagi. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Memang
kalau belum mempunyai pasangan, ada aja di hati rasanya sedikit galau dan belum
tenang. Tapi saya lebih memilih untuk sendiri demi menjaga kehormatan ketimbang
menjalin hubungan yang tidak halal dan jauh dari rahmat Allah. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Saya
yakin<span style="mso-spacerun: yes;"> </span>bahwa Allah telah menciptakan
setiap manusia berpasang-pasangan, pasti setiap manusia mempunyai jodohnya
masing-masing. Entah nanti akan bertemu di dunia atau di akhirat. Itu semua
sudah ditetapkan olehNya. Bila ingin mendapatkan jodoh yang baik, pantaskanlah
dulu untuk menjadi pribadi yang baik. Insya Allah akan dipertemukan dengan yang
baik pula. Bukankah itu sudah diatur oleh Allah dalam Q.S An-Nur : 26, “Perempuan-perempuan
yang keji untuk laki-laki yang keji sedangkan perempuan-perempuan yang baik
untuk laki-laki yang baik pula”. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Dari Abu
Hurairah ra, Nabi SAW bersabda : “Seorang perempuan di nikahi karena 4 perkara
: karena hartanya, keturunannya, kecantikannya dan agamanya. Oleh karena itu,
nikahilah perempuan itu karena agamanya”. (HR. Bukhari dan Muslim).</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: .5in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Saya
memang bukan wanita yang baik dan tidak juga sholehah tapi saya berkeinginan
menjadi wanita yang terus memperbaiki diri menjadi lebih baik. Prinsip saya :
Menikah Karena Allah atau Sendiri Karena Allah. Semoga saya tetap istiqomah dengan
prinsip ini, sampai Allah mempertemukan saya dengan calon imam yang
dipersiapkan olehNya. Aamiin </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Cinta
Segitiga antara Allah, aku dan kamu. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%;">Created :
Annisa Assadah </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-24863089536290253692014-02-19T03:01:00.002-08:002014-02-19T03:01:54.222-08:00Hidup Tidak Seperti Novel<!--[if gte mso 9]><xml>
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<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Hidup
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menyakitkan, penuh masalah maka dengan bersabar membaca 10,20 halaman
berikutnya semua selesai berubah menjadi membahagiakan. Apalagi seperti film
yang cukup beberapa menit berubah menjadi happy ending. </span></div>
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<span style="font-family: "Comic Sans MS";">Di
kehidupan nyata, kita bahkan perlu 10,20 hari, bulan bahkan tahun harus terus
bersabar agar semua selesai, berubah menjadi membahagiakan. Karena itulah
menjadi dewasa oleh kehidupan, memiliki pemahaman baik karena proses kehidupan
akan menjadikan seseorang lebih kuat dan lebih kuat lagi. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">“ Darwis
Tere Liye “ </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-74501683720012388592014-02-19T02:50:00.001-08:002014-02-19T02:50:18.062-08:00Nasehat Untuk Wanita<!--[if gte mso 9]><xml>
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<span style="font-family: "Comic Sans MS";">Dear para wanita , percayalah semua wanita
itu cantik dengan sendirinya. Jadi tidak perlu meniru dandan orang lain,
mengikuti trend drama di layar kaca dan para hijabers gaul yang boleh jadi
tidak cocok dengan kecantikan diri sendiri. Tidak perlu berlebihan berdandan
dan berpakaian. </span></div>
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<span style="font-family: "Comic Sans MS";">Tenang saja, kalau ada laki-laki yang
menganggap kalian tidak cantik dengan menjadi diri sendiri , itu jelas
laki-laki yang tidak bisa menghormati wanita. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">“ Darwis Tere Liye “ </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-88258767004755812112014-02-19T02:39:00.001-08:002014-02-19T02:55:41.794-08:00Lepaskan Yang Belum Halal Bagimu <!--[if gte mso 9]><xml>
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<span style="font-family: "Comic Sans MS";">Tak ada kerugian sedikit pun jika harus
meninggalkan calon pendamping yang sering menyakiti hatimu, yang tak
memotivasimu berprestasi dan yang justru membuatmu jauh dari Allah. Jangan
hanya karena alasan cinta lalu kita rela menjatuhkan pilihan pada orang yang
tak baik. Karena keputusanmu saat ini bisa jadi berdampak pada puluhan tahun
hidupmu yang akan datang. </span></div>
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<span style="font-family: "Comic Sans MS";">Jangan berat hati melepas orang yang tak
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sudah punya jabatan. Karena hal utama yang jadi parameter adalah agama. </span></div>
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<span style="font-family: "Comic Sans MS";">Pilihlah yang baik agamanya. Mungkin saat
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memekarkan cinta dalam hatimu pada orang yang shalih itu. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Comic Sans MS";">“ Ahmad Rifai Rifan “ </span></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-52558151019871962272014-02-16T18:48:00.001-08:002014-02-16T18:48:45.895-08:00Kunci Bahagia<!--[if gte mso 9]><xml>
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<b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Kunci Bahagia</span></b></div>
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<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Saya yakin setiap
orang ingin bahagia. Banyak cara yang dilakukan orang untuk mencari
kebahagiaan. Ada yang pergi jalan-jalan keliling dunia, pergi ke gunung,
menyendiri di tempat yang sepi. Ada pula yang ikut training khusus tentang kebahagiaan.
Seolah-olah kebahagiaan itu misteri, sulit dicari dan tempatnya sangat jauh
dari kita.</span><br />
<a name='more'></a></div>
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<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Padahal, kebahagian
itu sangat dekat. Ia ada di pikiran dan hati kita. Maka jangan pernah berkata,
“Saya akan bahagia jika saya sudah kaya dan semua keinginan saya sudah menjadi
nyata.” Padahal kita bisa selalu bahagia saat proses menjadi kaya dan
mewujudkan impian kita. Bahagia tak perlu menunggu waktu yang lama.</span></div>
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<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Lantas apa kuncinya
agar orang bisa selalu bahagia? Cobalah tiga hal berikut ini. <b>Pertama,</b> selaraskan hidup kita dengan
keinginan Sang Pencipta. Siapa yang paling tahu tujuan diciptakannya manusia
dan alam semesta? Tentu jawabnya Allah swt, Tuhan Yang Maha segalanya. Karena
Dia yang serba tahu, maka pastikan hidup kita merujuk kepada ketentuan-Nya.</span></div>
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<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Semakin dekat kita kepada-Nya, semakin
bahagia hidup kita. Sebaliknya bila kita menjauh dan tak berusaha mendekat
kepada-Nya, yang datang adalah kegalauan dan kegelisahan. Dimanapun dan
kapanpun, Dia selalu dekat dengan kita. Dia melihat kita, mendengar kita dan
selalu tahu apapun yang kita kerjakan. Selaraskan hidup kita dengan
ketentuan-Nya, bahagia akan berebut datang kepada kita.</span></div>
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<b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Kedua,</span></b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">
kerjakan apa yang kita cintai atau cintai apa yang kita kerjakan. Dengan kata
lain, bekerjalah sesuai dengan passion kita. Apabila Anda belum menemukan
passion sejati Anda, syukurilah pekerjaan Anda sekarang. Caranya? Temukan semua
hal yang positif pada pekerjaan Anda sekarang. Selain itu, selalu melakukan
pekerjaan Anda sekarang dengan cara yang terbaik.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 0.5in;">
<b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Ketiga,</span></b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">
miliki mental “to give” bukan “to get”. Dimulai dari kehidupan berumah tangga,
selalu tanyakan, “Apa yang bisa saya berikan untuk anggota keluargaku.” Jangan
berpikir sebaliknya, “Apa yang bisa saya dapatkan dari anggota keluargaku.”
Kita harus sibuk memberi perhatian, jangan sibuk mencari dan meminta perhatian.
Sebab, terlalu sibuk mencari dan meminta perhatian itu dekat dengan kegalauan
dan kegelisahan.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Begitu pula saat bekerja atau
berbisnis. Kita sebaiknya selalu bertanya, “Hal terbaik apa yang bisa saya
berikan untuk perusahaan saya?” Bukan menyibukkan diri dengan menuntut agar
perusahaan memberikan sesuatu yang lebih kepada Anda. Carilah cara bagaimana
kita bisa melayani konsumen dengan sebaik-baiknya. Jangan hanya menyibukkan
diri mengajak konsumen membeli produk atau jasa kita.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;"> “ Dikutip dari blog </span></b><a href="http://jamilazzaini.com/author/admin/" title="View all posts by Jamil Azzaini"><b><span style="color: windowtext; font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%; text-decoration: none;">Jamil Azzaini</span></b></a><b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;"> “ </span></b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;"></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-41601961219122492162014-02-16T18:48:00.000-08:002014-02-16T18:48:23.443-08:00Pasar Modal Syariah <!--[if gte mso 9]><xml>
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<br />
<h2 style="margin-left: 0.5in; text-align: center; text-indent: -0.25in;">
<span style="font-size: small;">Pasar Modal Syariah </span></h2>
<h2 style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><a href="https://www.blogger.com/blogger.g?blogID=3375774983520926335" name="_Toc367879612">1.<span style="font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Pengertian
Pasar Modal Syariah</a></span></h2>
<div class="MsoListParagraphCxSpFirst">
Pasar modal syariah secara sederhana dapat
diartikan sebagai pasar modal yang menerapkan prinsip-prinsip syariah dalam
kegiatan transaksi ekonomi dan terlepas dari hal-hal yang dilarang seperti :
riba, perjudian, spekulasi dan lain-lain.</div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Pasar modal syariah adalah pasar modal yang
seluruh mekanisme kegiatannya terutama mengenai emiten, jenis efek yang
diperdagangkan dan mekanisme perdagangannya telah sesuai dengan prinsip-prinsip
syariah. Sedangkan yang dimaksud dengan efek syariah adalah efek sebagaimana
dimaksud dalam peraturan perundang-undangan dibidang pasar modal yang akad,
pengelolaan perusahaan maupun cara penerbitannya memenuhi prinsip-prinsip
syariah.<br />
<a name='more'></a></div>
<div class="MsoListParagraphCxSpLast">
<br /></div>
<h2 style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><a href="https://www.blogger.com/blogger.g?blogID=3375774983520926335" name="_Toc367879613">2.<span style="font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Sejarah
Pasar Modal Syariah</a></span></h2>
<div class="MsoListParagraphCxSpFirst">
Sejarah Pasar Modal Syariah di Indonesia
dimulai dengan diterbitkannya Reksa Dana Syariah oleh PT. Danareksa Investment
Management pada 3 Juli 1997. Selanjutnya, Bursa Efek Indonesia (d/h Bursa Efek
Jakarta) berkerjasama dengan PT. Danareksa Investment Management meluncurkan
Jakarta Islamic Index pada tanggal 3 Juli 2000 yang bertujuan untuk memandu
investor yang ingin menginvestasikan dananya secara syariah. Dengan hadirnya
indeks tersebut, maka para pemodal telah disediakan saham-saham yang dapat
dijadikan sarana berinvestasi sesuai dengan prinsip syariah.</div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Pada tanggal 18 April 2001, untuk pertama
kali Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) mengeluarkan
fatwa yang berkaitan langsung dengan pasar modal, yaitu Fatwa Nomor
20/DSN-MUI/IV/2001 tentang Pedoman Pelaksanan Investasi Untuk Reksa Dana
Syariah. Selanjutnya, instrumen investasi syariah di pasar modal terus
bertambah dengan kehadiran Obligasi Syariah PT. Indosat Tbk pada awal September
2002. Instrumen ini merupakan Obligasi Syariah pertama dan akad yang digunakan
adalah akad mudharabah.</div>
<div class="MsoListParagraphCxSpMiddle">
Sejarah Pasar Modal Syariah juga dapat
ditelusuri dari perkembangan institusional yang terlibat dalam pengaturan Pasar
Modal Syariah tersebut. Perkembangan tersebut dimulai dari MoU antara Bapepam
dan DSN-MUI pada tanggal 14 Maret 2003. MoU menunjukkan adanya kesepahaman
antara Bapepam dan DSN-MUI untuk mengembangkan pasar modal berbasis syariah di
Indonesia. </div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Dari sisi kelembagaan Bapepam-LK,
perkembangan Pasar Modal Syariah ditandai dengan pembentukan Tim Pengembangan
Pasar Modal Syariah pada tahun 2003. Selanjutnya, pada tahun 2004 pengembangan
Pasar Modal Syariah masuk dalam struktur organisasi Bapepam dan LK, dan
dilaksanakan oleh unit setingkat eselon IV yang secara khusus mempunyai tugas
dan fungsi mengembangkan pasar modal syariah. Sejalan dengan perkembangan
industri yang ada, pada tahun 2006 unit eselon IV yang ada sebelumnya
ditingkatkan menjadi unit setingkat eselon III.</div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Pada tanggal 23 Nopember 2006, Bapepam-LK
menerbitkan paket Peraturan Bapepam dan LK terkait Pasar Modal Syariah. Paket
peraturan tersebut yaitu Peraturan Bapepam dan LK Nomor IX.A13 tentang
Penerbitan Efek Syariah dan Nomor IX.A.14 tentang Akad-akad yang digunakan
dalam Penerbitan Efek Syariah di Pasar Modal. Selanjutnya, pada tanggal 31
Agustus 2007 Bapepam-LK menerbitkan Peraturan Bapepam dan LK Nomor II.K.1
tentang Kriteria dan Penerbitan Daftar Efek Syariah dan diikuti dengan
peluncuran Daftar Efek Syariah pertama kali oleh Bapepam dan LK pada tanggal 12
September 2007. </div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Perkembangan Pasar Modal Syariah mencapai
tonggak sejarah baru dengan disahkannya UU Nomor 19 tahun 2008 tentang Surat
Berharga Syariah Negara (SBSN) pada tanggal 7 Mei 2008. Undang-undang ini
diperlukan sebagai landasan hukum untuk penerbitan surat berharga syariah
negara atau sukuk negara. Pada tanggal 26 Agustus 2008 untuk pertama kalinya
Pemerintah Indonesia menerbitkan SBSN seri IFR0001 dan IFR0002.</div>
<div class="MsoListParagraphCxSpMiddle">
Pada tanggal 30 Juni 2009, Bapepam-LK telah
melakukan penyempurnaan terhadap Peraturan Bapepam-LK Nomor IX.A.13 tentang
Penerbitan Efek Syariah dan II.K.1 tentang Kriteria dan Penerbitan Daftar Efek
Syariah. </div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<a href="http://tokotuaforex.blogspot.com/2012/07/sejarah-perkembangan-forex-trading.html" target="_blank" title="Sejarah Perkembangan Forex"><span style="color: black; text-decoration: none;">Sejarah perkembangan</span></a> pasar
modal syariah di Indonesia secara umum ditandai oleh berbagai indikator
diantaranya adalah semakin maraknya para pelaku pasar modal syariah yang
mengeluarkan efek-efek syariah selain saham-saham dalam Jakarta Islamic Index (JII). Dalam perjalanannya perkembangan
pasar modal syariah di Indonesia telah mengalami kemajuan
.<br />
<br />
Perkembangan tersebut diterbitkan 6 (enam) Fatwa Dewan Syariah Nasional –
Majelis Ulama Indonesia (<u>DSN – MUI</u>) yang berkaitan dengan industri pasar
modal. Adapun ke enam fatwa dimaksud adalah:</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0.95in; text-indent: -0.25in;">
1.<span style="font: 7pt "Times New Roman";">
</span>No. 05/DSN-MUI/IV/2000 tentang Jual Beli Saham</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0.95in; text-indent: -0.25in;">
2.<span style="font: 7pt "Times New Roman";">
</span>No. 20/DSN-MUI/IX?2000 tentang Pedoman
Pelaksanaan Investasi untuk Reksa Dana Syariah</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0.95in; text-indent: -0.25in;">
3.<span style="font: 7pt "Times New Roman";">
</span>No. 32/DSN-MUI/IX/2002 tentang Obligasi Syariah</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0.95in; text-indent: -0.25in;">
4.<span style="font: 7pt "Times New Roman";">
</span>No. 33/DSN-MUI/IX/2002 tentang Obligasi Syariah
Mudharabah</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0.95in; text-indent: -0.25in;">
5.<span style="font: 7pt "Times New Roman";">
</span>No. 40/DSN-MUI/IX/2003 tentang Pasar Modal dan
Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0.95in; text-indent: -0.25in;">
6.<span style="font: 7pt "Times New Roman";">
</span>No. 41/DSN-MUI/III/2004 tentang Obligasi Syariah
Ijarah</div>
<div class="MsoListParagraphCxSpLast">
<span style="line-height: 150%;">Fatwa-fatwa tersebut mengatur </span><a href="http://tokotuaforex.blogspot.com/2012/10/prinsip-dasar-analisis-teknikal-forex.html" target="_blank" title="Prinsip dasar Analisis Teknikal"><span style="color: black; line-height: 150%; text-decoration: none;">prinsip-prinsip</span></a><span style="line-height: 150%;"> syariah dibidang pasar modal yang meliputi bahwa suatu efek
dipandang telah memenuhi prinsip-prinsip syariah apabila telah memperoleh
pernyataan kesesuaian syariah secara tertulis dari DSN-MUI.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<br /></div>
<div style="margin-left: 0.5in; text-indent: -0.25in;">
<a href="https://www.blogger.com/blogger.g?blogID=3375774983520926335" name="_Toc367879614">3.<span style="font: 7pt "Times New Roman";">
</span>Produk
Pasar Modal Syariah</a></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in; text-indent: 0in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Produk syariah di pasar modal antara lain
berupa surat berharga atau efek. Berdasarkan Undang-undang Nomor 8 Tahun 1995
tentang Pasar Modal (UUPM), Efek adalah surat berharga, yaitu surat pengakuan
utang, surat berharga komersial, saham, obligasi, tanda bukti utang, Unit
Penyertaan kontrak investasi kolektif, kontrak berjangka atas Efek, dan setiap
derivatif dari Efek. </div>
<div class="MsoListParagraphCxSpMiddle">
Sejalan dengan definisi tersebut, maka
produk syariah yang berupa efek harus tidak bertentangan dengan prinsip
syariah. Oleh karena itu efek tersebut dikatakan sebagai Efek Syariah. Dalam
Peraturan Bapepam dan LK Nomor IX.A.13 tentang Penerbitan Efek Syariah
disebutkan bahwa Efek Syariah adalah Efek sebagaimana dimaksud dalam UUPM dan
peraturan pelaksanaannya yang akad, cara, dan kegiatan usaha yang menjadi
landasan pelaksanaannya tidak bertentangan dengan prinsip – prinsip syariah di
Pasar Modal. Sampai dengan saat ini, Efek Syariah yang telah diterbitkan di
pasar modal Indonesia meliputi Saham Syariah, Sukuk dan Unit Penyertaan dari
Reksa Dana Syariah.</div>
<div class="MsoListParagraphCxSpLast">
<br /></div>
<h3 style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><a href="https://www.blogger.com/blogger.g?blogID=3375774983520926335" name="_Toc367879615">A.<span style="font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Saham
Syariah</a></span> </h3>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: 0in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Secara konsep, saham merupakan surat
berharga bukti penyertaan modal kepada perusahaan dan dengan bukti penyertaan
tersebut pemegang saham berhak untuk mendapatkan bagian hasil dari usaha
perusahaan tersebut. Konsep penyertaan modal dengan hak bagian hasil usaha ini
merupakan konsep yang tidak bertentangan dengan prinsip syariah. Prinsip
syariah mengenal konsep ini sebagai kegiatan musyarakah atau syirkah.
Berdasarkan analogi tersebut, maka secara konsep saham merupakan efek yang
tidak bertentangan dengan prinsip syariah. Namun demikian, tidak semua saham
yang diterbitkan oleh Emiten dan Perusahaan Publik dapat disebut sebagai saham
syariah. Suatu saham dapat dikategorikan sebagai saham syariah jika saham
tersebut diterbitkan oleh:</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: -0.25in;">
a.<span style="font: 7pt "Times New Roman";">
</span>Emiten dan Perusahaan Publik yang secara jelas
menyatakan dalam anggaran dasarnya bahwa kegiatan usaha Emiten dan Perusahaan
Publik tidak bertentangan dengan Prinsip-prinsip syariah.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: 0in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: -0.25in;">
b.<span style="font: 7pt "Times New Roman";">
</span>Emiten dan Perusahaan Publik yang tidak menyatakan
dalam anggaran dasarnya bahwa kegiatan usaha Emiten dan Perusahaan Publik tidak
bertentangan dengan Prinsip-prinsip syariah, namun memenuhi kriteria sebagai
berikut: </div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 67.5pt; text-indent: -13.5pt;">
1. kegiatan usaha tidak bertentangan dengan prinsip
syariah sebagaimana diatur dalam peraturan IX.A.13, yaitu tidak melakukan
kegiatan usaha: </div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<span style="font-family: "Calibri","sans-serif";"> perjudian
dan permainan yang tergolong judi;</span><span style="font-family: "Calibri","sans-serif";"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<span style="font-family: "Calibri","sans-serif";"> perdagangan
yang tidak disertai dengan penyerahan barang/jasa;</span><span style="font-family: "Calibri","sans-serif";"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<span style="font-family: "Calibri","sans-serif";"> per</span>dagangan
dengan penawaran/permintaan palsu;</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<span style="font-family: "Calibri","sans-serif";"> bank
berbasis bunga;</span><span style="font-family: "Calibri","sans-serif";"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<span style="font-family: "Calibri","sans-serif";"> perusahaan
pembiayaan berbasis bunga;</span><span style="font-family: "Calibri","sans-serif";"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.5in; text-indent: -0.5in;">
<span style="font-family: "Calibri","sans-serif";"> jual beli risiko yang mengandung unsur
ketidakpastian(gharar) dan/atau judi (maisir), antara lain asuransi
konvensional;</span><span style="font-family: "Calibri","sans-serif";"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.5in; text-indent: -0.5in;">
<span style="font-family: "Calibri","sans-serif";"> memproduksi, mendistribu</span>sikan,
memperdagangkan dan/atau menyediakan barang atau jasa haram zatnya (haram
li-dzatihi), barang atau jasa haram bukan karena zatnya (haram li-ghairihi)
yang ditetapkan oleh DSN-MUI; dan/atau, barang atau jasa yang merusak moral dan
bersifat mudarat;</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<span style="font-family: "Calibri","sans-serif";"></span> melakukan
transaksi yang mengandung unsur suap (risywah);</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1in; text-indent: -13.5pt;">
2. rasio total hutang berbasis bunga dibandingkan
total ekuitas tidak lebih dari 82%, dan</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1in; text-indent: -13.5pt;">
3. rasio total pendapatan bunga dan total pendapatan
tidak halal lainnya dibandingkan total pendapatan usaha dan total pendapatan
lainnya tidak lebih dari 10%. </div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in; text-indent: 0in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in; text-indent: 0in;">
Prinsip dasar saham syariah</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in; text-indent: 0in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: -0.25in;">
1.<span style="font: 7pt "Times New Roman";">
</span>Bersifat musyarakah jika ditawarkan secara terbatas</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: -0.25in;">
2.<span style="font: 7pt "Times New Roman";">
</span>Bersifat mudharabah jika ditawarkan kepada public</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: -0.25in;">
3.<span style="font: 7pt "Times New Roman";">
</span>Tidak boleh ada pembeda jenis saham, karna resiko
harus ditanggung oleh semua pihak</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: -0.25in;">
4.<span style="font: 7pt "Times New Roman";">
</span>Prinsip bagi hasil laba rugi</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: -0.25in;">
5.<span style="font: 7pt "Times New Roman";">
</span>Tidak dapat dicairkan kecuali dilikuidasi</div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.75in; text-indent: 0in;">
<br /></div>
<h3 style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><a href="https://www.blogger.com/blogger.g?blogID=3375774983520926335" name="_Toc367879616">B.<span style="font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Sukuk</a></span> </h3>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Sukuk merupakan istilah baru yang
dikenalkan sebagai pengganti dari istilah obligasi syariah (islamic bonds).
Sukuk secara terminologi merupakan bentuk jamak dari kata ”sakk” dalam bahasa
Arab yang berarti sertifikat atau bukti kepemilikan. Sementara itu, Peraturan
Bapepam dan LK Nomor IX.A.13 memberikan definisi Sukuk sebagai berikut : “Efek
Syariah berupa sertifikat atau bukti kepemilikan yang bernilai sama dan
mewakili bagian yang tidak tertentu (tidak terpisahkan atau tidak terbagi
(syuyu’/undivided share) atas: </div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
a. aset berwujud tertentu
(ayyan maujudat);</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.5in; text-indent: -0.5in;">
b. nilai
manfaat atas aset berwujud (manafiul ayyan) tertentu baik yang sudah ada maupun
yang akan ada;</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
c. jasa (al khadamat) yang
sudah ada maupun yang akan ada</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
d. aset proyek tertentu
(maujudat masyru’ muayyan); dan atau</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
e. kegiatan investasi yang
telah ditentukan (nasyath ististmarin khashah)”</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: 0in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: -0.25in;">
1.<span style="font: 7pt "Times New Roman";">
</span>Karakteristik Sukuk </div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: 0in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Sebagai salah satu Efek Syariah sukuk
memiliki karakteristik yang berbeda dengan obligasi. Sukuk bukan merupakan
surat utang, melainkan bukti kepemilikan bersama atas suatu aset/proyek. Setiap
sukuk yang diterbitkan harus mempunyai aset yang dijadikan dasar penerbitan
(underlying asset ). Klaim kepemilikan pada sukuk didasarkan pada aset/proyek
yang spesifik. Penggunaan dana sukuk harus digunakan untuk kegiatan usaha yang
halal. Imbalan bagi pemegang sukuk dapat berupa imbalan, bagi hasil, atau
marjin, sesuai dengan jenis akad yang digunakan dalam penerbitan sukuk.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: -0.25in;">
2.<span style="font: 7pt "Times New Roman";">
</span>Jenis Sukuk </div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Jenis sukuk berdasarkan Standar Syariah AAOIFI
No.17 tentang Investment Sukuk, terdiri dari :</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.5in; text-indent: -0.5in;">
1.<span style="font: 7pt "Times New Roman";">
</span>Sertifikat kepemilikan dalam aset yang disewakan.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.5in; text-indent: -40.5pt;">
2. Sertifikat
kepemilikan atas manfaat, yang terbagi menjadi 4 (empat) tipe : Sertifikat
kepemilikan atas manfaat aset yang telah ada, Sertifikat kepemilikan atas
manfaat aset di masa depan, sertifikat kepemilikan atas jasa pihak tertentu dan
Sertifikat kepemilikan atas jasa di masa depan.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
3. Sertifikat salam.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
4. Sertifikat istishna.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
5. Sertifikat murabahah.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
6. Sertifikat musyarakah.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
7. Sertifikat muzara’a.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
8. Sertifikat musaqa.</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
9. Sertifikat mugharasa.</div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<br /></div>
<h3 style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="color: black; font-size: small;"><a href="https://www.blogger.com/blogger.g?blogID=3375774983520926335" name="_Toc367879617">C.<span style="font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Reksa
Dana Syariah</a></span>
</h3>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 0.5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
Dalam Peraturan Bapepam dan LK Nomor
IX.A.13 Reksa Dana syariah didefinisikan sebagai reksa dana sebagaimana
dimaksud dalam UUPM dan peraturan pelaksanaannya yang pengelolaannya tidak
bertentangan dengan Prinsip-prinsip Syariah di Pasar Modal. </div>
<div class="MsoListParagraphCxSpMiddle">
Reksa Dana Syariah sebagaimana reksa dana
pada umumnya merupakan salah satu alternatif investasi bagi masyarakat pemodal,
khususnya pemodal kecil dan pemodal yang tidak memiliki banyak waktu dan
keahlian untuk menghitung risiko atas investasi mereka. Reksa Dana dirancang
sebagai sarana untuk menghimpun dana dari masyarakat yang memiliki modal,
mempunyai keinginan untuk melakukan investasi, namun hanya memiliki waktu dan
pengetahuan yang terbatas.</div>
<div class="MsoListParagraphCxSpMiddle">
Reksa Dana Syariah dikenal pertama kali di
Indonesia pada tahun 1997 ditandai dengan penerbitan Reksa Dana Syariah
Danareksa Saham pada bulan Juli 1997.</div>
<div class="MsoListParagraphCxSpMiddle">
Sebagai salah satu instrumen investasi,
Reksa Dana Syariah memiliki kriteria yang berbeda dengan reksa dana
konvensional pada umumnya. Perbedaan ini terletak pada pemilihan instrumen
investasi dan mekanisme investasi yang tidak boleh bertentangan dengan
prinsip-prinsip syariah. Perbedaan lainnya adalah keseluruhan proses manajemen
portofolio, screeninng (penyaringan), dan cleansing (pembersihan). </div>
<div class="MsoListParagraphCxSpMiddle">
Seperti halnya wahana investasi lainnya,
disamping mendatangkan berbagai peluang keuntungan, Reksa Dana pun mengandung
berbagai peluang risiko, antara lain:</div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: -0.25in;">
•<span style="font: 7pt "Times New Roman";">
</span>Risiko Berkurangnya Nilai Unit Penyertaan.</div>
<div class="MsoListParagraphCxSpMiddle">
Risiko ini dipengaruhi oleh turunnya harga
dari Efek (saham, sukuk, dan surat berharga syariah lainnya) yang masuk dalam
portfolio Reksa Dana tersebut. Ini berkaitan dengan kemampuan manajer investasi
reksadana dalam mengelola dananya.</div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: -0.25in;">
•<span style="font: 7pt "Times New Roman";">
</span>Risiko Likuiditas</div>
<div class="MsoListParagraphCxSpMiddle">
Risiko ini menyangkut kesulitan yang
dihadapi oleh Manajer Investasi jika sebagian besar pemegang unit melakukan
penjualan kembali (redemption) atas sebagian besar unit penyertaan yang
dipegangnya kepada Manajer Investasi secara bersamaan. dapat menyulitkan
manajemen perusahaan dalam menyediakan dana tunai. Risiko ini hanya terjadi
pada perusahaan reksadana yang sifatnya terbuka (open-end funds). Risiko ini
dikenal juga sebagai redemption effect.</div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: -0.25in;">
•<span style="font: 7pt "Times New Roman";">
</span>Risiko Wanprestasi</div>
<div class="MsoListParagraphCxSpMiddle">
Risiko ini merupakan risiko terburuk,
dimana pada umumnya kekayaan reksa dana diasuransikan kepada perusahaan
asuransi. Risiko ini dapat timbul ketika perusahaan asuransi yang
mengasuransikan kekayaan Reksa Dana tersebut tidak segera membayar ganti rugi
atau membayar lebih rendah dari nilai pertanggungan saat terjadi hal-hal yang
tidak diinginkan. Selain itu, wanprestasi dimungkinkan akibat dari pihak-pihak
yang terkait dengan Reksa Dana, pialang, bank kustodian, agen pembayaran, atau
bencana alam, yang dapat menyebabkan penurunan NAB (Nilai Aktiva Bersih) Reksa
Dana</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 6pt 0.2in 0.0001pt 1.25in; text-indent: -0.25in;">
•<span style="font: 7pt "Times New Roman";">
</span>Risiko politik dan ekonomi</div>
<div class="MsoListParagraphCxSpLast">
Risiko yang berasal dari perubahan kebijakan
ekonomi dan politik yang berpengaruh pada kinerja bursa dan perusahaan
sekaligus, sehingga akhirnya membawa efek pada portofolio yang dimiliki suatu
reksadana.</div>
<h2 style="color: black; margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><a href="https://www.blogger.com/blogger.g?blogID=3375774983520926335" name="_Toc367879618"><span style="color: black;">4.<span style="font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><span style="color: black;">Jenis Investasi Berdasarkan Syariah</span></a></span></h2>
<div class="MsoListParagraph" style="margin-left: 0.75in; text-indent: -0.25in;">
1.<span style="font: 7pt "Times New Roman";">
</span>Tabungan Bagi Hasil<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 115%;"> </span><br />
<span style="font-family: "Calibri","sans-serif"; font-size: small; line-height: 115%;">2. Deposito Bagi Hasil </span></div>
<ol>
</ol>
Anonymoushttp://www.blogger.com/profile/08720874460533568448noreply@blogger.com0tag:blogger.com,1999:blog-3375774983520926335.post-64869756805163597012014-02-08T00:02:00.001-08:002014-02-16T18:49:03.181-08:00Nasihat untuk yang Jatuh Cinta<!--[if gte mso 9]><xml>
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<br />
<h1 align="center" style="line-height: 150%; text-align: center;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Nasihat
untuk yang Jatuh Cinta</span></h1>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 0.5in;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Anakku, saat kau
jatuh cinta, kau tetap tak boleh pacaran. Biarkan kau tetap terbungkus rapi dan
kulit lembutmu hanya boleh disentuh oleh suamimu. Ketahuilah bila kau jatuh
cinta dengan seseorang, belum tentu itu jodohmu. Maka tetap mintalah kepada
yang Maha Tahu untuk diberi jodoh terbaik bagimu.</span><br />
<a name='more'></a></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 0.5in;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Ketahuilah, wanita
yang hebat itu yang menyayangi anak-anaknya dan itu dibuktikan dengan
mencarikan ayah yg tepat buat anaknya. Anakku, apa yg kau harapkan belum tentu
kau dapatkan. Ingatlah rencana Allah adalah rencana terbaik dibandingkan
rencana terbaik seluruh penduduk bumi sekalipun.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Agar kau diberi “pangeran” terbaik
tugasmu hanya memantaskan diri dan minta kepada Allah. Semakin kau sering
mengadu dan dekat kepada Allah maka Dia akan mengirimkan “pangeran” terbaik
untukmu. Jangan ragu, Dialah yang Maha Tahu jodoh terbaikmu. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 0.5in;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Walau kau jatuh
cinta, jangan serahkan hatimu kepada lelaki itu, karena boleh jadi menurut
Allah dia bukan “pangeranmu”. Tetaplah serahkan hatimu kepada Allah dan setelah
Allah kirim “pangeran” kepadamu, baru serahkan hatimu kepada “pangeran” itu.
Air matamu di hadapan Allah dan kesabaranmulah yang membuat Allah mengirimkan
“pangeran” terbaik untukmu.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Bukti bahwa kau wanita hebat, kau tetap
lebih sering mengingat Allah dibandingkan lelaki yang kau jatuh cintai. Bila
Allah yang dihatimu, Dia akan kirimkan “pangeran” original kepadamu. Namun bila
kau menjauh, Allah akan kirim pangeran KW-3 bahkan mungkin KW-10 kepadamu. Dan
itu akan menyiksa hidupmu dan berkuranglah rasa banggaku kepadamu.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 0.5in;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Anakku, lelaki yang
cocok buat anak-anakmu adalah yang berani datang menemui ayahmu untuk melamarmu
dan bukan yang pandai memainkan perasaanmu. Percuma bila ada lelaki yang kau
cintai tetapi dia tak punya nyali bertemu dengan ayahmu.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">Terakhir, Ingatlah: Allah dulu, Allah
lagi dan Allah terus. Semoga kau menjadi kekasih Allah sehingga kau dikirimi
kekasih terbaik menurut Allah dan juga menurutmu. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;">“
Dikutip dari blog </span></b><a href="http://jamilazzaini.com/author/admin/" title="View all posts by Jamil Azzaini"><b><span style="color: windowtext; font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%; text-decoration: none;">Jamil Azzaini</span></b></a><b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;"> “ </span></b><b><span style="font-family: "Tw Cen MT","sans-serif"; font-size: 12pt; line-height: 150%;"></span></b></div>
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