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Monday, January 12, 2015

Alternative medicine: Carefully lead to shirk.

Unfinished journey (180)

(Part one hundred and eighty, Depok, West Java, Indonesia, January 10, 2015, 3:49 pm)

Alternative medicine: Carefully lead to shirk.


Alternative medicine usually has a sense, we are treated not to (in addition to) the doctor, who is a medical expert, who finished school, college academic majors who majored in medicine, the level of S1 still a general practitioner, and if followed to the S2 level (specialist) there is a specialist in internal medicine, surgeons, ophthalmologists, neurological, cardiac, pediatric, skin, ear nose and throat (ENT) and many other majors.
So a doctor treating their patients based on the scientific method.
While alternative medicine, usually done herbalist power, the normal, shamans, and also often called '' smart people ''. The method is mostly empirical methods there are also based on a combination of empirical and scientific method. The combined scientific and empirical methods usually done a doctor who practices acupuncture for example. Empirical and scientific method can also be an expert herbalist (herbs), when it is steeped expert herbalist, or school who studied medicine herbalist method.
Dangerous is when they do not treatment with both methods. And this is mostly done charlatans, who claims he can cure all diseases, but only made more severe patients, or patients recovering not because the patient can be treated shaman, but thanks to the devil (jin), to burn incense and certain spells (call Jin ) to help the patient to recover, usually done by a witch, by means of deception (or use the call incubus / jin) who used a shaman. Witchcraft is a way unseen, which actually belongs only God. The witch comes from Jin / devil who stole from the two angels who fell to earth when the time of Solomon. So knowledge is used to aid witch Jin.
When I had a stroke a few years ago, after a year of doing therapy with Dr. nervous, because I want a cheap switch to alternative medicine, to treat post-stroke and blurry eyes (due to bleeding in the eyes of the impact of stroke).
Alternative medicine is done in the area of Central Jakarta, after a year there is a change in stroke, because the method is done gymnastics and remembrance, and perhaps herbs provided setap come consultation.
However, not all patients recovered (improved) course, there is a grandmother who had a stroke, is becoming increasingly severe, and no patient from Sumatra, who went to the region to kos (room rent) near the location of the practice of medicine. The Sumatran man from the disease (swollen stomach) until he returned again to his village in Sumatra, even hundreds of millions of dollars out of money, there is no change, even the stomach does not go flat.
Oddly enough, her therapist in doing pemgobatan to patients jointly, up as a witch, with the lights turned off, seems there is light at the hands of the shaman. At the time of ongoing therapy room lights turned off, because there is a small flashlight in the hands of the therapist. He does prana therapy. The impression there was light out of the hands of the healer.
The therapist said, Prana therapy is done to clean up our brain that we are always positive thinking, until there is a patient suspected the therapist is able to prevent a negative event is headed.
Once there was a story of a married couple want treatment increased Bajay of Cempaka Putih towards Central Jakarta, there is a pair of robbers riding a motorcycle tried to pull his wife's bag containing the money, but failed to do. And in this patient's suspected failure thanks to the shaman through this light therapy.
Yet if we believe with this interpretation, as has been described a Ustad in Radio / TV Rodja it could lead to shirk (associating partners with Allah), whereas each event, it is the will of god kauniah events (acts of God) which is written in the book "Lawh Mahfuz" God already written 50,000 years before God created the heavens and the Earth.
Though Shirk is a great sin, that sin is removed only Taubatan Nasuha (truthfully Repentance), because God warns us that God will forgive the sins of mankind despite of heaven and earth except shirk. Nauzubillahi Minzalik. Many more shirk as we came to where kramat (grave), with the intention to meet interpreter kinci (guard) kramat grave that, in order to ask the same that had been dead in the grave in order to grant the request of the client. Usually the clamp to give some money to the caretaker.
In Central New village <Balikpapan, East Kalimantan, there is a Bandar Judi, his wife often go to various cemeteries kramat in Balikpapan, with members something (money) to the caretaker so filed as (pray) to the dead in order that her husband always wins gambling, I at the age of six years, never brought the king's wife (airport) to the grave kramat gambling around the harbor Semayang, Balikpapan.

I was six years old when taken Bookies often have to park locations around kebub vegetable gambling, there is cockfighting, Rollet games, dice, and dozens of other types of gambling games. I've tried to play Rollet, and it always wins, until this little kid has a lot of money.
At the age of 6 years old, my father often come to the vegetable garden hanging out with his father in a coffee shop, sometimes in the restaurant, many touke-touke and friend of my father's love of gambling plug tail, and sometimes they ask me how the tail code number (two digits) are will come out tomorrow, I still say blindly, I say number 67. Uh taunya tomorrow out right number 67, a lot of people who put this number suddenly rich, including my father apparently put this number, so my father could buy a motorcycle, whereas motorcycles in 1968-1970 was classified as a luxury item at that time.
Fortunately my whole family and early rahun moved to Jakarta in 1973, and lived in the dorms Kobekdam V Jaya Small Cililitan No, 52, adjacent to the Mosque sehinnga I could learn the Koran by H.Thoyib, so I no longer grew up with gamblers environment.
Or no candidate regent, mayor, governor, president, whice came smart people, smart people who said these holy men, who are closer to God, so that could be asked in order to please the client's wishes come true so regent. Is not only God the only one who can bring relief directly without intermediaries, if you use an intermediary can be considered shirk. So in the Qur'an: an and Hadith there is no argument that we would make pilgrimage to the graves of saints, pilgrimages to the tombs to a specific person we will be rewarded, but leads to the danger of shirk, only there is a hadith of the tomb shrine just to remind us that we would meyusul as it has been in the tomb (died), but not necessarily the grave pilgrimage in the month of Ramadan or before Eid (Eid), or certain days specified, as is the custom in Indonesia, grave pilgrimage also only be done man.
We are also not allowed to read the Quran (Yasin) in graves. Moreover, using intermediaries others pray or read the Koran (Yasin) in graves.

A few years ago I opened a soup stall in the Kelapa Dua, Depok, in addition to the University Gunadarma.
I started to open shop in the wrong way, my first start out in the month of Ramadan (fasting), secondly, I borrowed capital by way of usury (interest) are very high from a rural banks (BPR) and my third big mistake is to let the chef (cook) shop I went to the shaman asked that my stall selling, by throwing up women's panties tile stall.
First, open in the month of Ramadan, is clearly less a blessing, should shop closed in honor of Ramadan, is even open, a second request '' loss leader '' of the shaman, it is clear shirk, also do usury of the banks, this is also a big sin , because these measures are not in ridhoi God, do not believe that the provision is set by God, so my soup stall businesses went bankrupt, even my debt (usury) of BPR earlier. Hopefully I can Repentance, do not repeat this sin again.
2000; late when the magazine D & R lid I applied to the US oil company Unocal, from hundreds of applicants who want to be a public relations staff at Unocal, stay two strong candidates, of the two candidates in the selection of this will again be a candidate.
Two candidates are then invited to Unocal headquarters in London, to test for Unocal officials, and socialization test.
I am a hotel room with my rivals who said the former public relations subsidiary of Astra in Samarinda.
I see my rival is in the room seems to be diligent prayer (prayer) in addition to the five time prayers also Duha and Tahajjud.
I myself returned home in the village of Memories, Balikpapan Opposite. I met eldest son of my sister's mother namnya Sumitha bladder. In my memories with Sumitha if my story again participate in the Unocal test. Immediately, I was taken to the elder brother of Mahdin, yangnampaknya worked so shaman. I initially refused, because this is shirk. '' It's not shirk he just smart people, who can bring the blue queen, queen of the Kingdom of Paser past. After the meet '' I'm in love know, if I were going to graduate work at Unocal with a big salary he said. It turns out, then after I returned to Jakarta, if the pass is my rival. Now I realize that such a thing is Shirk (menyukutukan God) and a major sin.
At the time of the year 1960-1970an many Dayak (Dayak darts) still believe in animism, my father only when sick (though heartburn), my grandmother held a ritual ceremony in the village Karingau, with ceremonial dances and burn incense summon the genie that my father would treat diseases, by sprinkling water with leaves into the body of my father, thank God bless you after old age my grandmother lived in Jakarta returned to pray, and never again did animist rituals by calling genie, which in Islam is called shirk .
My father, who suffered from chronic heartburn, vomiting blood until the end of 1970 recovered after hospitalization and outpatient three months in Cikini Hospital internal medicine physician who handled dr Arifin
And which need to be considered in this treatment is to avoid of ways religiously forbidden as visiting shamans, psychics, 'smart people', and the like are often packaged with the label 'alternative medicine'. In addition, the treatment is also not allowed to wear forbidden objects such as blood, khamr, carcasses and so on because it has no ban on shallalllahu Prophet alaihi wa sallam who said:


"Allah created the disease and the cure, then Berobatlah and do not seek treatment with an unclean". (HR. Ad Daulabi in al-Kuna, dihasankan by Shaykh al-Albani in Genealogy book Hadiits ashram Shohihah no. 1633).



"Allah does not make your healing in anything unlawful".

(HR. Abu Ya'la and Ibn Hibban no. 1397. Dihasankan by Sheikh Albani in the book Mawaaridizh Zham-aan no. 1172).


Shirk sin, and the sin of usury, Sustenance

great sin Shirk

8 June 2008, 5:29 pmakidah, Aqeedah, the danger of shirk, faith, idolaters, Polytheism, Monotheism
Every Muslim knows that shirk is haraam. However, if we have to know the nature of shirk and the extent of the prohibition and danger? Perhaps there is a saying, "Shirk was unclean, had to be abandoned!", But in daily life wallowing in practice shirk it while he was not aware of it. Therefore it helps us to peel this issue in order to avoid confusion in it.
meaning Shirk
Allah announces that the purpose of our creation is not to serve him, as the word of Allah, "And I did not create the jinn and mankind except that they should worship Me." (Adh Dzariyat: 56). Worship is everything that is loved and blessed by Allah either word or deed, which was born as well as the mind. Worship here include prayer, prayer, nadzar, sacrifice, fear, istighatha (for help), and so on. This service should be directed only to Allah not to other than Him, as the word of Allah Ta'ala, "Only the one we worship Thee and Thee only was our call for help." (Al-Fatihah: 5)
Whoever is directing one of the worship to other than Allah, then this is shirk, and the culprit is called polytheists. For example, a pray to the dead, sacrificed (slaughtered animals) to jin, afraid to wear green clothes when going to the south coast with the belief he would have swallowed by the waves due to anger Nyi Roro Kidul and so on. It's all included shirk and he has made a dead man and jinn it as an ally for Allah Subhanahu wa ta'ala.
Position Shirk
Shirk is the greatest big sin. Abdullah bin Mas'ud rodhiyallohu ta'ala 'anhu said: I once asked Rosululloh, "Sin is the greatest in the side of Allah?" He shollallohu' alaihi wa sallam said, "You make allies for Allah, when He has created you . "(HR. Bukhari and Muslim)
Then it is proper for us to be careful lest we worship com- bined with suspended with kesyirikan slightest, by studying the science of true religion so that we know which are included and which are not shirk shirk. Let us fear falling into shirk, because this issue vague as Prophet shollallohu 'alaihi wa sallam, "O mankind, fear your to shirk, because shirk it more vague than (trace) ant step." (HR. Ahmad)
Shirk overthrows the whole Charity
People who are in their lifetime do pious deeds like prayer, fasting, and other shodaqoh, but if in his life he did not shirk akbar and repent before death, then the whole charity will be deleted. Allah the Exalted says, which means, "And even if they associate Allah, then indeed will delete deeds they have done." (Al-An'am: 88)
Once the magnitude of this affair, until Allah Ta'ala said to His Prophet shollallohu 'alaihi wa sallam, "And verily revealed to you and to (Prophets) that before you If you ascribe Allah, He will delete your deeds and surely thou -people are the losers. "(Az-Zumar: 65). The Prophet's just that so many of their deeds by Allah warned against the danger of shirk, which impinge on themselves when they will eliminate the entire charity, then what about us? Do we feel safe from the danger of shirk?
Therefore lucky people who busied themselves in studying the problem of tawhid (the opposite of shirk) and shirk in order to avoid as far as possible, and lost the people who busied themselves in other problems or even hinder the monotheistic call! !
Performers Shirk Akbar and His sin Eternal Hell Will Not Be Forgiven By Allah Ta'ala
Allah the Exalted says that means, "Verily Allah will not forgive the sin of shirk, and He will forgive sins but shirk for whom He wills." (An-Nisa ': 48). Also his word which means, "He who mensekutukan Allah, surely Allah forbade it to go to heaven. And his place is in hell. And there is nothing for people who have dhalim helpers. "(Al-Ma'idah: 72).
People polytheists Haram married
It is based on the word of Allah, which means, "And do not marry polytheistic women, before they believe. Truly believing slave woman is better than polytheistic women, although he impress you. And do not marry idolaters (with women believers) before they believe. Truly believing slave is better than the idolaters, even though she pulls your heart. They invite to Hell, while Allah invites to Paradise and forgiveness by His permission. And Allah explains His verses (His commands) to mankind that they may take heed. "(Al-Baqarah: 221)
Slaughter People polytheists Haram Eaten
Allah the Exalted says, "And do not eat animals that are not mentioned the name of Allah when slaughtered. Indeed, such an act is a wickedness. Indeed, the devil whispered to his friends so they argue with you; and if you obey them, ye shall surely be those of the idolaters. "(Al-An'am: 121)
Once the magnitude of the danger of shirk, then it is proper for everyone to be afraid to fall into this sin that will cause it to lose money in the world and in the hereafter. How could we not be afraid when the Prophet shollallohu 'alaihi wa sallam be afraid of this problem? To the extent that he shollallohu 'alaihi wa sallam pray that kept away from shirk. He taught a prayer which means, "O Allah, I seek refuge in You from Your associate and I know that it is shirk. And forgive me for the sins I do not know. "(HR. Ahmad)
May Allah Ta'ala keep us all from shirk. Sholawat and greetings may always devoted to the Prophet we shollallohu 'alaihi wa sallam, family, friends and people who follow them well until doomsday.
***
Author: Ibn Ali Sutopo Yuwono

RIBA

RIBA CONCEPT IN ISLAM
PART I
CONCEPT RIBA

1. Understanding Riba
Riba is meaningful language; ziyadah (extra). In another sense, usury linguistically means to grow and expand. [1] According to the technical terms, riba means taking extra of principal or capital assets are vanity [2]. The word also means usury; add or excessive growth. Al-usury or ar-rhyme origin meaning is added to grow and flourish. The understanding of usury is added in the context of additional money on capital obtained in a way that is not justified Personality ', whether it amounts to a little extra and numerous as required by the Qur'an. Riba people often translated into English as "usury" which means "the act of lending money at an Exorbitant or illegal rate of interest" while the scholars' jurisprudence defines usury as "excess property in a muamalah with no reward or instead". The intent of this statement is in addition to the capital money arising from transactions which must be given debts owed to the owner of the money at the time of maturing debt [3].
There are several opinions in explaining usury, but in general there is a common thread which confirms that usury is taking extra good in the sale and purchase transactions, as well as lending and borrowing in vanity or contrary to the principles of the Islamic mua'amalat. On this God reminds the Quran Surah An-Nisa ': 29 ..............................
Meaning: O ye who believe janganah you take your neighbor's property by way of vanity.
In relation to the notion of al-falsehood in the verse, Ibn ArobiAl-Maliki describes as dikutif by Afzalurrohman. [4]
.........
"Usury understanding 'in the language is extra, but that is usury in the verses of the Qur'an that any additions to that taken in the absence of a replacement transaction or counterweight is justified Shari'ah.
Transactions replacement or counterweight that business or commercial transactions which legitimizes the addition of the fair, such as buying and selling, mortgage, lease, or for the results of the project. In leases, the tenant pays the rent wages because of the benefits enjoyed by the lease, including the decline in the economic value of the goods due to the use of the tenant. Cars for example, after use the definite economic value decreased when compared to the previous. In the case of purchase, the buyer pays the price for a consideration of receipt of goods.
Likewise in the project for the results, the consortium participants are entitled to a capital gains as well as to include also participated bear the risk of loss possibilities that may arise at any time.
In the savings and loan fund transactions, conventional lender take additional interest in the absence of an acceptable balancing the borrower except for the opportunity and the time factor which runs during the lending process. However, that is not fair here applicable, the borrower is required to always and certainly profit in every use of that opportunity. Similarly, the fund will not grow by itself, just the time factor alone without those factors that are running and working on it. Even when the person could seek profit could have been a loss.
A similar notion conveyed by scholarly 'throughout the history of Islam from various madzahib fiqhiyyah, including the following.
a. Badr ad-Din al-Ayni author Umdatul Qari Sharh Saheeh al-Bhukhari.
..........................
The main principle in usury is the addition. According to Shari'ah usury meant increased over the subject property in the absence of real business transactions. [5]
b. Imam Hanafi madhhab Zarkasi of
.............
Riba is additional disaratkan in business transactions without iwadh (or equivalent which justified the addition of the shari'ah.
c. Raghib Al-Asfahani
.................................
Riba is the addition on the subject property.
d. Imam An-Nawawi of the Shafi'i madhhab [6].
...................................
Based on the above explanation of Imam Nawawi, it is understood that one of the forms of usury is forbidden by the Qur'an and Sunnah is ........................ ........ principal additions to property due to the element of time. In the banking world, it is known for a long time lending corresponding loan.
e. Qatada
.....................................
Riba Ignorance is someone who sells goods in tempo until a certain time. When the time has come to pay and the buyer is unable to pay, then he paid in addition to the suspension.
f. Zaid bin Aslam
...................................
What is meant by usury ignorance beramplikasi multiplication over time is a person who has a claim in respect of its partners. At maturity he said "pay now or add".
g. Mujahid
.........................................
They sell daganganya with tempo. When due and (not afford to pay) the buyer gives "extra" for the additional time.
h. Ja'far As-Shodiq of the Shi'i madhhab
............................................
Ja'far As-Shodiq said when asked why God forbids usury so that people do not stop doing good because when allowed to take interest on the loan so someone was not doing the good and again on lending and borrowing transactions and so on. Though Qord aims to establish a close relationship between humans and virtue.
i. Imam Ahmad Bin Hanbal. Founder Hanbali madhhab
.......................................
Imam Ahnad Bin Hanbal when asked about his usury usury real answer it is someone has a debt that it was said to him whether to pay off atauy pay more. If unable to repay, he must add funds (in the form of interest) of the additional time given.

2. Types of Riba
Broadly speaking usury grouped into two. Each is usury usury debts and buying and selling. The first group was divided again into ignorance and qardh usury. The second group is divided into a sale and purchase of usury usury usury Afdhl and nasi'ah. The description as follows [7]:
a. riba Qardh
A benefit or a certain level of excess disaratkan against debtor (muqtaridh).
b. riba Ignorance
Debt paid over anyway, because the borrower is unable to pay its debts at the specified time.
c. riba Fadl
Exchanges between similar goods with different levels or dose, whereas the exchanged goods including types of goods usury.
d. riba nasi'ah
e. Suspension, delivery or receipt of goods usury are interchangeable with other types of goods usury. Riba in nasi'ah arise due to the different, or additional changes between the current delivered to the submitted later.
In the book Fath Mu'in usury is divided into three, namely [8]:
1. Riba Fadl
Namely the difference between the goods on one exchange of two items of the same type. Included in this is the kind of usury qordh that if the debt back to the creditor.
2. Riba yad
Ie if one of penjuual and buyers split of the contract before the handover.
3. Riba Nasa '
Ie if there is a delay delivery requires that two goods ma'qud alaih in penukaranya (buying and selling).
3. Legal Riba
Riba in Islamic law has been clearly established, which prohibited and including UPS's one of the actions that are forbidden. But the process pelaranga usury in the Qur'an not sent down by Allah SWT as well, but lowered in four stages [9].
1. God gives the sense that usury will not increase with Allah SWT goodness. Allah says:
Paragraph Arrum ..................................... 39
2. Allah gives an overview of the punishment for the Jews with one character like taking usury.
(QS. An-Nisa ': 160-161) ...........................
3. God forbid devour usury multiplier
Ali Imran 130 ..............................
4. God forbid with hard-hitting all kinds of usury.
Albaqoroh 278-279 ...............................
To further clarify the prohibition of usury, Rosululloh SAW also explained and some traditions include [10]:
..............................................
Meaning: from Jabir he said Rosululloh SAW curse those who receive usury, those who pay and those who write them down, and two witnesses, then he said they were all the same (HR. Muslim)


.................................................. .... hadith
Judge meiwayatkan of Ibn Mas'ud that the Holy Prophet has said: "usury are paid 73 degrees, the lowest (sin) is equal to a person who committed adultery with her mother". (HR. Mutafaqun Alaihi) [11].
Even in a hadith it is stated that the sin of usury working on several-fold greater than the sin of adultery. This is based on the logic that adultery is usually caused by the turmoil that is not restrained lust and do without thinking, while the practice of usury done with careful consideration, clear and patient [12].
The nature of the ban firm, absolute, and not mengendung debate. There is no room to say that usury refers not just to the loan and interest, because the Prophet forbade taking, though small, providing services or benefits as a condition of the loan, in addition to the principal.
This interest prohibition tidaj applies only in Islam but in other religions Islampun also prohibited. Just as the Jews were forbidden to practice usury. The prohibition is widely available in their scriptures, both Old Testament (oldtestament). And the law, Talmud. In Religion Kresten book new agreement does not mention this problem clearly. However, some Christian circles consider that verse is found in Luke 6: 34-5 as a paragraph which condemned the practice of making flowers. Besides, the pastor Religion Kresten early in the century I - XII M. Also the view that taking interest is forbidden by religion.
In the Greek and Roman since the 6th century BC. Up to 1 M. Has there are several kinds of flowers. Nonetheless, the practice of taking interest denounced by philosophers. Two prominent Greek philosopher, Plato (427-347 BC) and Aristotle (384-322 BC), menbgecam flower practice. So also with the Cato (234-149 BC) and Cicero (106-43 BC). The philosophers are condemned those who practice making roman interest [13].
From the little description above can be concluded that any form of usury and interest implicitly prohibited by smua Religion, Religions especially heavenly. This is because the impact caused by the presence of riba or is deemed detrimental to the public interest.

CHAPTER II
CONCEPT OF INTEREST
1. Definition of Interest
In lexical, flowers seabagai translation of the word interest. In terms as expressed in a dictionary is stated, that interest is a charge for afinacial loan, usually a presentage of the amount loaned (Flowers are borne on the loan money, which is usually expressed in percentage of the money lent. Another opinion expressed interest, namely a sum of money paid or calculated for the use of capital. the amount is for example expressed by one level or percentage of capital that has to do with the so-called interest rate of capital.
In contrast to the interest (Interest), in English usury known as "usury" which means "the act of lending money at an Exorbitant or illegal rate of interest" but when it is inferred from the history of western society, it is clear that "interest" and "usury "is known today is essentially the same. Both means extra money, usually in percentage, the term "usury" arises because there is consolidation of the financial markets at that time so pengusahaharus set an interest rate that is considered normal [14].
2. Interest and Usury Bang
In the matter sub this subject, will be more detailed if returned to the view of the similarity between the interest with usury practices forbidden in the Qur'an and hadith. The similarity was hard to argue, especially in real applications in the banking system more relationship mudharatnya perceived benefits. Kemudharatan system that categorized as usury interest, among others, are [15]:
1. Accumulate funds for his own benefit.
2. Interest is the concept that the cost is shifted to the next person.
3. Distribute property only to those who are able.
4. The latter is a public undertaking.
5. spay economic stability and investment policies.
6. There was a gap that will not be endless.
Besides, regardless of illicit / absence of bank interest, honestly should be recognized that there are some weaknesses in the application of the system of interest in the conventional banking system, among others [16]:
1. One of the causes of protracted crisis.
2. menganaktirikan real sector.
3. Creating a culture of lazy.
4. Widen the social chasm between simiskin and sikaya.
If there is a bank that was established to help the flow of trade, memuadahkan send send money, facilitate the sale of nations, helping human traders with capital, then all that is allowed Religion. Are not allowed to just picking up or give rents loans (usury / interest). Both are made by the bank / individual, ie picking rents loan. And also prohibited if the purpose "ihtikar" (piling food items at a time expensive to be sold in less expensive again), then everything is forbidden according to religious law [17].
In an analysis of the bank's disposal practices, listed some of the following [18]:
1. Interest is tamnbahan on money deposited in a financial institution or money borrowed.
2. Besarnyta specified interest to be paid in advance, regardless of whether the recipient's financial institution deposits or borrowers succeed in their business / no.
3. The amount of interest payable included in the percentage figures in a year, which means if the debt is not paid or deposits are not taken within a few years could happen multiplying.
Of the three things mentioned above it seems clear that the practice of them money is an attempt to earn extra money on the money originally by way of: (1). Additional payment of money that this initiative does not come from the borrowing, (2). With the additional amount as determined in advance, (3). Borrowers do not actually know for sure whether it would work or not and apaakah he would be able to pay an extra of pinjamanya it or not; (4). Additional payment of money that is calculated by the percentage so that it is possible at any time the total liabilities to be paid more than doubled.
From the description above, it can be said that the flowers as well as late-nasi'ah usury which the Qur'an and the Hadith has been described keharamanya. However, on the other hand many people assume that the interest and usury is different, because the interest is considered as a consideration for the loan which has been used for production. Berdasarkajn second opinion, then the bank institutions are considered as a way out of usury. That is, the element which forbids usury has been removed by the banking regulations which the interest rate set by the government are usually agreed upon by representatives of the people. However, is not it just a pretext to justify the anathema of God ?.
Allah is All-knowing God about what has happened and what will happen. So also with the changing times, as now, but God remains forbidden usury clearly in words Ny, it means that no pretext whatsoever that can justify usury. As a result, however dicfari dalihnya then interest is forbidden under Islamic hukun, not blessed by God and RasullNya.

3. Fatwa Fatwa About Flowers Bank
a. Majlis Legal Affairs Committee of Muhammadiyah [19]
Sidoarjo Majlis Legal Affairs Committee (1968) decided:
1. Riba is haraam with shorih texts of the Qur'an and Sunnah.
2. The bank with usury system is haraam and banks without usury lawful.
3. Interest granted by state-owned banks to clients who have been applicable, including the case musyabihat.
4. Suggest to Muhammadiyah to pursue the realization of the conception of the economic system, especially the banking institutions in accordance with the rules of Islam.
b. Committees Bahsul Masa'il Nahdhlatul Ulama '[20]
according to the committee, bank law and the law of the same interest as lien law. There are three scholarly opinion 'with respect to this issue.
1. Haram causes including rents collected debts.
2. Halal, because there is no requirement pad awaktu contract while the local communities can not simply be a requirement.
3. doubtful (not necessarily lawful illegitimate) because the law ahliu disagree about.
Although there are differing views committee decided that (option) is more cautious is the first opinion is calling interest is haram.
c. Session of the Islamic Conference (OIC)
All participants of the second session of the OIC held in Korachi, Pakistan, in December 1970, have agreed on two main issues:
1. The practice of banks with the system of interest is not in accordance with the Islamic Sharia.
2. It should be immediately established banks alternatives that run operations in accordance with the principles of Shariah.
   The result of this agreement underlying the development didirikanya Bank Islam / Islamic Development Bank (IDB).
d. State Mufti of Egypt
Egypt State Mufti's office decision on interest rates continue to maintain law and consistent. Recorded at least since 1900 hingg 1989, the Mufti of the Arab Republic of Egypt decided that bank interest is one form of usury which is forbidden.
e. Consul of the World Islamic Studies (;;;;;;;;;;;;;;;;)
Ulama'-scholars of the world who gathered in the World Islamic Studies Consul (KKID) has decided legal action against the bank interest. In the second conference KKID held at Al-Azhar University, Cairo, in the month of Muharram 1385 AH / May 1965 AD, it was determined that there was not the slightest loss on the illicit practice of flowering money as do conventional banks.
f. Indonesian Religious Leader.
In the workshop of the scholars' in Usaura 1991 determined that the MUI should immediately establish an alternative bank. Furthermore, the decision MUI No. 1 year 2004 on interest, that the practice of money at the time of flowering is in compliance with the criteria usury happened in the days Rosululloh Saw, namely usury nasi'ah. With semikian, this flowering practice one form of usury, and usury is haraam, whether performed by a bank, insurance, capital markets, mortgage, cooperatives, and other institutions as well as performed by individuals.


CHAPTER III
CONCLUSION

In the Islamic context, Riba is a case which is strictly prohibited. Applicability even be fatal for masyaraakat widely. Therefore, no longer a debate about illicit usury, both within the Islamic and non-Islamic.
As for conventional bank mpermasalahan and flowers there are many differences of opinion. Both of legal mauoun value of interest rate itself. However, after further analysis, it is inevitable that many have a common interest with usury. Even the applicability of this age, interest has met criteria that have clearly usury nasi'ah keharamanya. Although there ulama'-scholars and leaders who allow their usury, but it was only in a minority, while the majority of scholars' International agreed that the same interest with usury and is haraam (Forbidden) absolute.

FOUR KINDS OF GOD REZEKI



Remembrance, thought and effort.
Keep your hands busy with works; keep your mouth busy with
remembrance of Allah and leave inheritance as much as possible


Bismilahirrahmanirrahiim

Peace be upon you, and Allah mercy and blessings
Allah is Rich and Giver of Sustenance. God will guarantee human life
this earth. God will provide in accordance with its sustenance. God will add the provision, if it were clever grateful. God provided all human needs without paying a cent. There is a phrase saying "life is to eat or eat is to live?"

After I read the handbook of human life, the opinion in the above expression is not true. The adage that the above is only suitable for the creatures of the Lord, namely: "the beast". They did every day in search of food (sustenance), after eating them frolic and then sleep, birth, and raising.

They never think about how to have a beautiful home, and has an advanced means of transport. Similarly, they do not think of anyone Tuhannnya, who created it, and mahu where after death. Since the first of bulls and goats do not have a home. The food remains sake only grass since time immemorial. His life is a day-to-day foraging for life. Nothing more than that. Do humans have the same sense with the animals?

Is life only to find food every day? Is not there more to be done for the good (pious charity) or produce works that are beneficial to human progress?

After I read the guidebook life, I find what the actual human task in this world according to God who created us.

Allah says: "And (remember) I did not create the jinn and mankind except to worship and worship Me."
Q.S Az-Zaariyaat: 56

In another verse Allah says:
"And to Thamud, We utuskan their brother: Sholeh Prophet. He said: O my people! Worship your God! Actually there is no god for you apart from Him. He who made you from the materials of the earth, and wants you prosper. By the ask God's forgiveness of shirk, then come back to him with devout and monotheism. Indeed, my Lord was always close, again was always allow application servants. "
Q.S Hud: 61

Allah said:
"And (remember) when your Lord said to the angels:
Actually I wanted to make a vicegerent on earth. They ask (about the wisdom of God's provision by saying): Are You (Our Lord) wanted to make the earth people who will make the disaster and shed blood (berbunuh-murder), when we was always glorify with praise and mensucikanMu ?. God said, Behold, I know what you do not know. Human appointed caliph (representative) of God on this earth. "
Q.S Al-Baqarah: 30

Obviously, the task given by God to man, that is, as the representative of God to work for God in the world by following the commandments contained in the Qur'an and the Hadith, the building or the welfare of man and that man can serve well to Allah.

What is needed by humans for life have been provided. Both in the content of the earth in the form of oil, gold, tin and others, in the earth's crust in the form of plants and animals farmed, and in the sea there is an assortment of fish and seaweed. All of it is for humans and other creatures of God. That is so that people can be grateful.

Animals that do not have any sense, life has not changed much from generation to generation. While human life is rapidly changing. If the first person there is only a camel or a horse as a vehicle. Now there are trains, advanced aircraft, ships and so on.

Similarly, the shape of the house, have very disparate-Beza and various rekabentukdan apparently. From greenhouse to home aluminum. From the house in the basement, until terraced house (except the people who are still alive in certain forests such as those in Brazil, from generation to generation even today still live naked).

About sustenance, humans are also various kinds, there are poor there is also rich. Surely God does not want people to live hard and poor. God wants people to live a happy, prosperous, safe and harmonious. Due to limited that Allah revealed handbook of human life into the world that is, the Torah, the Psalms, the Gospel and the past perfect, the Koran. Otherwise, people will like those in the forests of living naked, without clothes and no shame. it is
real man if life without guidebook life, without knowledge.

Regarding sustenance received by man, or how much sustenance given by God to mankind is dependent upon the 4 cases.

Allah is Just and Wise to the creatures. Only God gives warnings to people in the Qur'an, so that people are not misguided or not one choose between two paths, that is, the way of God in the Qur'an or the crooked path that follows kemahuan devil or uncontrolled lust.

Allah says:
"In the name of Allah, the Most Gracious, the Most-pity."
Q.S Al-Fatihah: 1

"Then he (Mariam who dinazarkan by his mother) received by his Lord with a good reception and brought up a good upbringing, and delivered to be maintained by the prophet Zechariah. Each time the Prophet Zechariah in to see Mariam in Mihrab, he found sustenance (fruits -buahan outstanding) at his side. the Prophet Zakaria asked: O Mariam where do you find (fruits) of this? Mariam answer; he is from Allah, Allah provides sustenance to the sesiapa
pleases with no thought. "
Q.S Aali Imran: 37

"He (God) which makes for you all that is in the earth,
He then headed to His will in the direction of (material) heaven and maketh the seven heavens perfectly and He has knowledge of all things going. "
Q.S Al-Baqarah: 29

"There is not anything out of the creatures that move on the earth but God step that bear sustenance and knowing his place of residence and where he kept. Everything was written in the Book (Luh Mahfuz) real (to the angels that regard)."
Q.S Hud: 6

"And THAT is actually no (children) for someone but (children) what it has earned;"
Surah An-Najm: 39

"And (remember) when your Lord told: For real! If ye are grateful nescaya I'm going to add to the favor to you and for real, if you actually broken azabKu Kufr is very hard."
Q.S Ibrahim: 7

"The person who is faithful and devoted to God, God will
provide sustenance from an unlikely source guess. "QS


From the words above, obviously the Prophet gave a statement to his people in the form of warnings and khabar excited.

There are 4 levels of sustenance from God:
1. Sustenance guaranteed by Allah to every creature, including people who have sense. Does that mean God will give you eat, minumuntuk living beings in this world. This is the basic sustenance yangterendah, as we see people who live in the forests, they can survive even without the knowledge of the Qur'an, the Gospel or the Torah. Similarly, people who live in cities, although he had no knowledge or lazy to work, there sahajaorang which helps them to feed. Do Andaingin like it? If mahu you will surely get bantuandari another person or family. Do not be afraid that will not eat. All guaranteed sustenance Allah. The question, whether living kitaini just to eat?

2. The second level is the sustenance of God will give sustenance to people with full justice and wisdom. God akanmemberikan sustenance in accordance with what he did. Ertinyakalau he worked two hours, it can be the result of two hours. If kerjalebih longer, more industrious, more knowledgeable, more seriously, iaakan get more. Allah is Just. If people inginmendapatkan more sustenance, he must learn more banyakdan earnest work. That is the key.

3. The third level is the sustenance Sustenance the "plus" by Allahswt. This is the provision that to the loved ones of God diinginkanoleh swt.Kalau pemberianTuhan grateful we are clever and intelligent man, God will add. We can merasakankasih dear Allah to us, kerana sustenance and kebahagianselalu added. PemberianTuhan: time, intellect, senses inderadigunakan to seek knowledge and work earnestly, then the provision will be much better than the people yangtidak no science, such as the example of the Brazilian jungle. Years provision remains sake only look for the roots of plants. Atauorang city people who lack knowledge (lazy) then rezekinyalebih bit. Or a nation who diligently read the book, makabangsanya more prosperous than a lazy nation looking ilmu.Lihatlah Japanese or Western countries who diligently read helpful bukuyang and has become a culture in their rakyatnya.Hidup more prosperous. Example two: those who pandaimensyukuri help from his friends, or from whom sake only, it will be easy to get further help, but if he tidakpandai grateful, grateful clever or not will help
he has received (not just grateful dimulutsahaja) then he will not be able to help again. Akansusah her life again. Not God who wills, but he himself yangtidak clever grateful.

People who are good, thank kerana gets sustenance and
more happiness. God's promise not miss it one bit!
Grateful that intelligent people can live a happy, prosperous
and serene. His efforts will gain glory, God kerana
add always. Used his wealth in the way of Allah, so
generous, pangasih affectionate, obedient to worship. May Allah we characterize the class of clever people are grateful.

"And indeed We have given to Luqman, wisdom, (and We commanded him): Be grateful
Allah (going all the pleasure of you) and sesiapa are grateful then hath it just goes back to himself and anyone the ungrateful (hence not be to Allah), Allah is Rich kerana, Praiseworthy. "
Q.S Luqman: 12

"And We have enjoined man to do good to both father and mother; his mother had conceived him with bear weakness for the sake of weakness (from the beginning to the end containing menyusunya) and the entire period divorce milk is in a period of two years; (by the way) give thanks to Me and to both ibubapamu; and (remember), I am nevertheless a place to go back (to receive a reply). "
Surah Luqman: 14

"What are nevertheless good (delicious pleasure) that you would find that it is of God and what a disaster nevertheless that happens then it is of (error) yourself, and We have sent you (O Muhammad) to all mankind as an Apostle (which carries grace) and enough is Allah bears witness (which proves the truth of this nature). "
Surah An-Nisaa ': 79

"People who are good at bererti thank God he was good also grateful to humans, and vice versa."
Bayhaqi

4. Sustenance to four
Allah says; "People who are faithful and devoted to God, God will give sustenance from an unlikely source guess."
Q.S

So sustenance to these four very special, not everyone who should receive it, except those who truly devoted to Allah.

Signs are devoted people; If mentioned verses of Allah to him then his heart shiver of fear. Cuba examine ourselves how faith kitakepada God? Have we the level of pious as above?

The more self-inikenal and the fear of God and love of God, does that mean the more pious, God will help you. God will be added sustenance from an unlikely source. So many people devoted sustenance and easy. If a bit of luck (poor) sign it less devoted to Allah.

Thus Allah says in the Qur'an. God's promise never missed and always right.


Thus, there hope to give benefits. If there really was from God and that something was wrong came from our weakness nevertheless. Please forgive and reprimanded.

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