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Ada yang berbeda pada Tabligh Akbar tanggal 31 Desember tahun ini. Tabligh Akbar yang biasa digelar oleh Habib Munzir bin Fuad Almusawa tiap tanggal 31 Desember dimaksudkan untuk mengimbangi kemaksiatan yang berlangsung di muka bumi tiap malam pergantian tahun. Hal ini dimaksudkan untuk meredam kemurkaan Allah dan juga untuk meredam kegeraman alam yang tidak rela melihat Tuhan mereka didurhakai oleh sebagian manusia.

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Gardu listrik Cawang terbakar. Akibatnya listrik di wilayah Jakarta Timur dan Jakarta Selatan padam. Bisa-bisa besok pagi saya tidak mandi nih.

Mungkin saya harus hemat baterai handphone saya. Supaya bisa tetap online untuk mengecek komentar yang masuk.

Sedikit saja tulisannya. Hemat bateraaai…

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Melanjutkan tulisan kemarin. Pemadaman bergilir akan berlangsung selama beberapa hari ke depan, bukan hanya di Jakarta Timur dan Selatan, tetapi seluruh Jakarta.
(Diperbarui tanggal 30-09-2009)

Alhamdulillah, untuk qoshidah pada MP3 Qoshidah Majelis Rasulullah sudah bisa didownload kembali. Jika link rusak lagi, mohon beritahu kami kembali. Terimakasih

Alhamdulillah pada bulan April 2009 yang bertepatan dengan bulan Rabiul Akhir 1430 H, kita kembali akan kedatangan tamu agung, yaitu Habib Umar bin Muhammad bin Salim bin Hafidz, dari Tarim Hadramaut. Beliau akan melakukan kunjungan da’wah beliau khususnya untuk melakukan ijtima’ dengan ulama dari berbagai daerah di Indonesia.

Berbeda dengan tahun-tahun sebelumnya, kali ini memang Habib Umar bin Hafidz singgah ke Indonesia dua kali, yang pertama Beliau hadir pada bulan Januari yang lalu atau bertepatan dengan bulan Muhamrram 1430 H, dan yang kedua beliau hadir pada pertengahan bulan April yang jadwalnya terlampir dibawah ini.

InsyaAllah dengan hadirnya guru mulia kita tersebut, banyak manfaat yang bisa kita terima khususnya buat kita pribadi, Umat Islam dan Bangsa Indonesia pada umumnya.

Sumber : rabithah.net

JAKARTA – INDONESIAN Vice President Jusuf Kalla on Sunday said Islamic banking had escaped the global economic crisis relatively unscathed as he took a swipe at the Western financial system.

‘The latest global crisis has taught us that an economic (system) which is based on unreal transactions will be easily ruined,’ he told a pre-opening conference of the fifth world Islamic economy forum.

He said the Islamic banking and finance system had proved its strength by escaping relatively untouched by the global financial crisis.

‘We all know that Muslim countries with an Islamic economic system during this current (crisis) situation are relatively unaffected by serious problems,’ he added.

Islamic banking, a booming 1.0 trillion dollar global industry that prohibits speculation and high levels of debt, has been relatively unscathed by the credit crunch.

The rules of the sector – which incorporate principles of sharia or Islamic law – prohibit many of the risky activities which triggered the crisis that is felling economies around the world.

Islamic law prohibits the payment and collection of interest, which is seen as a form of gambling, so highly complex instruments such as derivatives are banned.

Transactions must be backed by real assets – not repackaged subprime, or high-risk, mortgages – and because risk is shared between the bank and the depositor there is an incentive for the institutions to ensure the deal is sound.

The annual world Islamic economy forum will be officially opened on Monday by Indonesian President Susilo Bambang Yudhoyono and Malaysian Prime Minister Abdullah Ahmad Badawi.

Organising committee chief Tanri Abeng said thousands of delegates from 30 countries would attend the four-day meetings with the main focus on food, energy and financial security amid the global economic crisis.

(Agence France-Presse)

Those who devour usury will not stand except as stands one whom the Evil One by his touch hath driven to madness. That is because they say: “Trade is like usury,” but Allah hath permitted trade and forbidden usury. Those who after receiving direction from their Lord, desist, shall be pardoned for the past; their case is for Allah (to judge); but those who repeat (the offence) are Companions of the Fire; they will abide therein (forever). Allah will deprive usury of all blessing, but will give increase for deeds of charity; for He loveth not creatures ungrateful and wicked… O ye who believe! Fear Allah, and give up what remains of your demand for usury, if ye are indeed believers. [QS. Al-Baqoroh: 275, 276, 278]

If thou lend money to any of my people that is poor by thee, thou shalt not be to him as an usurer, neither shalt thou lay upon him usury. [Exodus 22:25]

The Abrahamic faiths prohibit collecting interest on money loaned. Interest is the excess amount of money paid (or paid in kind) on the loaned principal. This is considered exploitation. Some Islamic jurists, however, make a difference between “Interest” and “Riba” (usury).

The main source of profit for the banks is from the interest they charge and from other ancillary services. The bank relies on their client to pay back the borrowed money with interest. As a precautionary measure the bank obtains collateral against the loan. The primary interest of the bank is to make a profit from the interest and not from reclaiming collateral.

The borrower believes that by leveraging the commodity/collateral he will make more money than interest paid to the bank. For example: If you buy a $100,000 house with a 20% downpayment, and sell the house after 2 years for $110,000, your profit is 50%. That is, on your initial downpayment of $20,000. The interest you paid on the borrowed money was the rent you would have paid if you had lived elsewhere. The transaction occurs on mutual confidence. The bank being confident of his client’s ability to make interest and principal payments on regular basis. The client being confident of making more money on his product against which he has borrowed money.

Note, the payment of interest from one party to another is unrelated to the value of the house. You may put down 10% (instead of 20%) in order to make more profit and the bank will be willing to lend you more in the hope of receiving more interest. These type of transactions ultimately create fear, greed and corruption.

In Islamic financing, the purchaser of the house and the “lender” both become partners in the equity of the house in proportions to their contributions say, 20% and 80% as in the above example. Here the “Islamic banker” either rents him the house till the price is paid off or sells him the house outright with an agreed-upon long term payment contract.

Can you see the difference in both systems? In the present banking system one party gains at the expense of the other withoutdue regard to the price paid for the home. In Islamic finance, the arrangement is based on equity participation, called murabaha. The focus in this type of financing is the individual, the product and the society. Islam has no objection in creating wealth, but must be based on partnership and fairness. The Islamic Bank providing the equity to finance the house will share in the loss as well as in the profit as earlier agreed upon when the product is sold. The whole society ultimately benefits from such transactions.

The major premise of the present “free market” banking system is to loan money on interest to any individual able to repay principal and interest. This is irrespective of whether he makes profit or loss, and irrespective of whether society is a beneficiary or not. Profit is the ultimate motive and the individual is the focus rather than goods or the society. The driving force being profit, the loaner and loaned has to create a mutual confidence, and once it takes root the fear, greed and corruption takes off–resulting in the current debacle of major institutions like Merrill Lynch, Lehman, Fannie Mae, Freddie Mac, Bear Stearns, WaMu, AIG……and others yet to follow. It seems the trend will continue in to next year indicates we as a nation are in serious financial trouble.

In the case of businesses that require capital or that need venture capital, the Islamic system providing finances is called mudarabha. Here the bank or the individual provides the financing and the person receiving the fund provides his entrepreneurial skills. Profit or loss from the business is shared on an agreed basis.

Arrangements regarding leasing cars are called ijara. This system is more or less same as the Western banking system and with an option to buy the leased car is called Ijara Wa Iqtiana. The recent development of “Bonds” transaction, called suku–based on equity participation–is gaining popularity in some Middle East countries. As we can see the process involved requires socially responsible investing in worthy causes and especially that would benefit the society.

The failures of these major financial institutions have raised a big question of overhauling of the entire system. The present question is “what is next” rather than “Who is next?”

“It’s the beginning of the end of the era of infatuation with the free market,” said Steve Fraser, author of Wall Street: America’s Dream Palace, and a historian. “It’s the end of the era where Wall Street carries high degrees of power and prestige. And it’s the end of the era of conspicuous displays of wealth. We are entering a new chapter in our history.”

Yet the fears are much more potent. The bailout of $700 billion by the Congress means personal-debt-ridden Americans will further struggle under the burden of this added debt. They will be squeezed more. With personal debt compounding, it will lead to less consumer spending and even lower growth resulting in to perhaps more prolonged and deeper recession.

The decline in confidence in the dollar may lead to a run on the dollar and diversification out of the dollar. This will further jeopardize the already-devastated US economy; and even the world economy.

What is the alternative? Islamic finances started coming on its own in 1970’s and it has established itself as a distinct discipline in the USA, Europe, and other parts of the world. There are more than 200 Islamic financial institutions worldwide. Notable in USA are “LARIBA” and “GUIDANCE” that cater for residential homes.

Many Western Banks and investment firms in USA, including Chase Manhattan, Goldman Sachs, Wellington Global Administrator, and ABC investment Services Co. have added Islamic finance divisions. The amount of wealth under Islamic finance sector, the halal banking system, is said to be over $500 billion–that is, roughly the size of Wells Fargo Bank, America’s fourth largest bank. And Hussain A. Hassan, of Deutsche Bank, predicts that Islamic finance will be the world’s fastest growing banking sector for years, based on what he calls a modest estimate of 20% annual increase in deposits.

Frank Gaffney wrote an Op Ed in The Washington Times dated September 16, 2008, under the heading “ Wall Street, What Next?” He says, “Tragically, in the process of leaping out of the scalding subprime frying pan, Wall Street is heading directly in to a fire that promises, if anything, to be more devastating than the present disaster. Incredibly, it bears all the hallmarks of subprime with respect to a lack of transparency, a systematic failure to disclose and an utter absence of due diligence, good governance and accountability. The next “what” is called Sharia-Compliant Finance (CSF)”

(REUTERS/Darren Staples)

Alhamdulillah, telah bertambah satu situs lagi guna membentengi aqidah Muslimin dan Muslimat. Aswaja.net, situs yang dibangun oleh para pemuda Rabbani yang begitu mencintai Muhammad Sang Rasul, Tuan para nabi dan para utusan Allah. Mereka adalah para pemuda yang terus berjuang di bawah panji Rasulullah SAW dengan berusaha mengikuti bimbingan guru mereka yang penuh kelembutan, Al-Habib Munzir bin Fuad Al-Musawa.

Ide pembuatan aswaja.net berawal dari pembicara lewat teleconference antara Fakhrurozy, Rahardian dan Budi Cysco, untuk membuat satu komunitas blogger muslim. Namun diharapkan agar komunitas tersebut menghindari masukkan golongan radikal (seperti salafy-wahabi), yang gemar menyesatkan ummat. Sehingga dipilihlah nama Aswaja sebagai ciri dari komunitas blogger ini. Sesuai dengan usulan nama aswaja.net yang dimunculkan oleh Rozy, akhirnya disetujui sebagai nama komunitas ini. Yang bisa diartikan Jaringan Komunitas Blogger Muslim Aswaja (Ahlusunnah Wal Jama’ah).

Selain sebagai jaringan komunitas blogger Aswaja, situs Aswaja.net juga diharapkan dapat menjadi salah satu situs counter terhadap gerakan radikal yang kini kian menjamur menyusup di berbagai lapisan masyarakat. Diarapkan dengan bersama-sama merapatkan barisan di jaringan Aswaja, kita dapat saling berbagai informasi, ilmu dan meningkatkan iman dan ketaqwaan kita kepada Allah SWT. Aamiin.

Komisi Penyiaran Indonesia mengingatkan semua stasiun televisi agar tidak menayangkan acara yang menampilkan sosok kebanci-bancian dengan lawakan yang cenderung berbau porno. Hal ini perlu dilakukan untuk menghormati umat Islam yang menjalankan ibadah Ramadhan. Sebelumnya imbauan itu juga telag disampaikan oleh Majelis Ulama Indonesia (MUI). (lebih…)

Komisi Penyiaran Indonesia mengingatkan semua stasiun televisi agar tidak menayangkan acara yang menampilkan sosok kebanci-bancian dengan lawakan yang cenderung berbau porno. Hal ini perlu dilakukan untuk menghormati umat Islam yang menjalankan ibadah Ramadhan. Sebelumnya imbauan itu juga telag disampaikan oleh Majelis Ulama Indonesia (MUI).

“KPI dan MUI memberi peringatan kepada stasiun televisi untuk tidak menayangkan tayangan kebanci-bancian. Seperti reality show, komedi dan lawakan konyol yang biasa ditayangkan itu, ” kata Ketua KPI Pusat Sasa Djuarsa Sendjaja, di Jakarta, Senin (1/9).

Sasa menambahkan, KPI dan MUI khawatir jika tayangan seperti itu terus dieksploitasi maka akan mempengaruhi anak-anak.

“Bahkan dalam agama Islam, banci kan sebenarnya tidak boleh dan MUI telah mengeluarkan fatwa mengenai itu, ” ucapnya.

Jika hal ini tidak mendapat respon positif, lanjut Sasa, KPI akan menjatuhkan sanksi administratif sampai ke pencabutan izin siaran terhadap stasiun televisi tersebut.

Terkait model kebancian-bancian ini, KPI akan membuat dan mengeluarkan surat peringatan kepada semua stasiun televisi, untuk tidak menampilkan atau membuat tayangan dengan model kebancian-bancian.

Sebelumnya, Sasa mengatakan bahwa hampir disemua stasiun televisi mempunyai tayangan-tayangan dengan model seperti itu. Padahal, tayangan-tayangan dengan model kebancian merupakan bentuk dari pelecehan terhadap kelompok tertentu dan itu melanggar aturan dalam Pedoman Perilaku Penyiaran dan Standar Program Siaran (P3SPS) KPI.

Sementara itu, Pengamat pendidikan Arif Rahman mengatakan, gangguan seks pada komunitas tertentu (banci) yang ditiru sebagai gaya dalam beberapa tayangan televisi bukanlah untuk dieksploitir. Banci itu merupakan gangguan atau penyakit yang harus ditolong.

“Tayangan-tayangan dengan model kebanci-bancian ini harus dihilangkan dari wajah televisi kita, pasalnya ini akan membuat banyak peniruan-peniruan khususnya pada anak-anak,” jelas Arif. (novel)