Kesalahpahaman dalam berzakat

2.
Fwd: 21 Common Misconceptions about Zakaah
Posted by: "Morry Infra" morry.infra@gmail.com
Mon Aug 31, 2009 7:15 pm (PDT)


---------- Forwarded message ----------
From: Adil ibn Manzoor Khan
Date: Sun, Aug 30, 2009 at 10:17 AM

* *

**

** *In the name of Allah, the Most-Merciful, the All-Compassionate* *** * **

*"May the Peace and Blessings of Allah be Upon You"*

**

Praise be to Allaah, we seek His help and His forgiveness. We seek refuge
with Allaah from the evil of our own souls and from our bad deeds.
Whomsoever Allaah guides will never be led astray, and whomsoever Allaah
leaves astray, no one can guide. I bear witness that there is no god but
Allaah, and I bear witness that Muhammad is His slave and Messenger.

*Bismillah Walhamdulillah Was Salaatu Was Salaam 'ala Rasulillah*
*As-Salaam Alaikum Wa-Rahmatullahi Wa-Barakatuhu*

**

**

*21 Common Misconceptions about Zakaah*
*by Asma bint Shameem*

* *

*** *

**

Misconception # 1

I pray, dont I?

Whats the big deal if I dont give Zakaah?
*

*Zakaah is one of the PILLARS of Islam and NOT an option. It is just as
important to ones faith as Salaah. In fact, anyone who denies it is a Kaafir
and the Prophet (pbuh) and his Sahaba waged war against such persons even
though they uttered the Shahadah and prayed Salaah.
About such people Abu Bakr said: "By God! I shall certainly wage war against
the people who discriminate between Salaah and Zakaah." (Bukhaari, Muslim)

* *

Misconception # 2:

But it will decrease my wealth!
**

Abu Hurayra said that the Prophet (pbuh) said,

"Whoever is given wealth by Allaah and does not pay the Zakaah due thereupon
shall find that on the Day of Arising it is made to appear to him as a
hairless snake with two black specks, which chains him, and then seizes him
by his jaw and says, -I am your wealth! I am your treasure!'

Then he recited the verse, Let not those who are miserly with what God has
given them of His bounty think that this is good for them. Rather, it is bad
for them. That which they withhold shall be hung around their necks on the
Day of Arising. [3:180] (Bukhaari)

* *

Misconception #3:

I dont have to pay Zakaah every year.

Zakaah is an obligation that must be paid each year. The Prophet (pbuh) used
to send the zakaah-collectors to the tribes and cities, and they did not
differentiate between those who had paid their zakaah the previous year and
those who had not, rather they used to take the zakaah that was due on all
the “zakaatable” wealth that people possessed.

------------ --------- ---------

Misconception # 4:

I never paid Zakaah before.

I will just repent and that should be enough

The one who never paid Zakaah before should repent to Allaah first. Then he
should estimate the amount of Zakaah that was due on him over the years as
best he can, and pay it as soon as possible

Misconception # 5:

I dont have to pay Zakaah if I owe a debt

The one who has any “zakatable” wealth must pay zakaah on it, when one year
has passed since he acquired it, even if he has debts, according to the more
correct of the two scholarly opinions. The Prophet (pbuh) used to command
his agents to take zakaah from those who owed zakaah, and he did not tell
them to ask them whether they had any debts or not. (Majmoo Fataawa -Abd
al-Azeez ibn Baaz)

Misconception # 6:

I will waive my debt and count that as Zakaah

The Prophet (pbuh) said to Muaadh ibn Jabal, when he sent him to Yemen: “Teach
them that Allaah has enjoined upon them zakaah on their wealth, to be taken
from their rich and given to their poor.”

He (pbuh) explained that zakaah is something which is to be taken and given,
so on this basis it is not permissible to let off someone who owes you money
and count that as zakaah, because letting someone off a debt does not
involve taking and giving.

(Fataawa Manaar al-Islam by Shaykh Ibn Uthaymeen)

Shaykh al-Islam said: “letting someone off a debt does not relieve one of
the obligation of zakaah, and there is no scholarly dispute on this matter.
But you can give this needy person some of your zakaah and he can meet his
needs using what you give him as zakaah; and Allaah will help him to pay off
his debt in the future, inshaAllaah.”

------------ --------- ---------

Misconception #7:

I have lent someone some money. I dont have to pay Zakaah on it.

In this situation, there can be two scenarios;
1. If the borrower is rich and is known to repay debts promptly: The lender
has to pay Zakaah annually on the money lent, because it is possible to
recover the money readily and it is like money that is in ones possession.

2. If it is unlikely that the lender will get his money back or the borrower
is known to delay repayment: Then the lender does not have to pay zakaah
before he gets the money back, because it is not readily accessible and is
not like money that is in ones possession.

Misconception # 8:

I pay my taxes so I dont have to pay Zakaah!

The taxes we pay are to Uncle Sam/govt , not to Allaah to Whom the Zakaah is
due. And this Zakaah money is to be only spent according to the rules of
Shareeah in certain specific ways. Thus, it is not permissible for the taxes
we pay on our wealth to be counted as part of Zakaah. The obligatory Zakaah
must be paid separately.

Misconception # 9:

I will use the money that I receive from my bank as interest to pay off
Zakaah

First of all, putting money in the bank in return for interest is a kind of
riba which Allaah and His Messenger have forbidden, and it is a major sin.
The Prophet(pbuh) cursed the one who consumes riba and the one who
pays it.(Muslim)
This money cannot be used to pay Zakaah or other kinds of charity since it
is impure and a haraam form of wealth.

------------ --------- ---------

Misconception # 10:

I will pay Zakaah on whatever is OVER the Nisaab

If ones wealth surpasses the amount of nisaab, then Zakaah is due upon it
ALL, and not upon the surplus only.

Misconception #11:

Zakaah is due on precious gems, stones and diamonds

No zakaah is due on gems, precious stones, diamonds, etc. unless they are
prepared for trade, in which case they come under the same ruling as all
other trade goods

Misconception # 12:

I will buy diamonds so that I dont have to pay Zakaah

Some people try to get out of Zakaah by investing in diamonds, since no
Zakaah is due on them, and think they can outsmart Allah.

Doesnt Allaah know whats in our hearts and minds?

They forget that Zakaah is due on them if they are prepared for trade. “They
seek to deceive Allah and those who believe, but they deceive none except
themselves, though they do not sense it.“ (Surah al-Baqarah: 9)

------------ --------- ---------

Misconception # 13:

The husband HAS to pay Zakaah on the wifes jewelry and wealth

It is NOT the husbands duty to pay Zakaah on his wifes jewelry, wealth, etc.
Rather, it is her responsibility, since she is the possessor of the wealth.
If her husband or someone else pays zakaah on her behalf with her
permission, that is o.k., and he will be rewarded for this voluntary action.

Misconception # 14:

I only have gold, but I do not have any money. So, I dont have to pay
Zakaah….

Shaykh Ibn Uthaymeen said:“ Zakaah must be paid on jewelry if it reaches the
nisaab (minimum threshold), which is 85 grams. If it reaches this amount,
zakaah must be paid on it. If she has other wealth and pays from that, there
is nothing wrong with it. If her husband or one of her relatives pays it on
her behalf, there is nothing wrong with that. If neither of these options is
available to her, then she should sell some of it and pay zakaah with that
money.”

Misconception # 15:

I will use my Zakaah money on my immediate family

Shaykh Ibn Baaz said: “The Muslim cannot give his zakaah to his parents or
to his wife and children; rather he is obliged to spend on them from his
wealth if they need that and he is able to spend on them.”

------------ --------- ---------

Misconception # 16:

I cannot give Zakaah to my poor relatives

It is actually preferable for a person to give their zakaah to a brother,
sister, paternal uncle, paternal aunt or to any other relative, if they are
poor. This is because, giving zakaah to them is both an act of charity and
upholding family ties.

The Prophet (pbuh) said: “Charity given to the poor is charity and charity
given to a relative is charity and upholding of family ties.” (Ahmad,
al-Nasaa’i)

Misconception # 17:

A woman cannot give Zakaah to her Husband

It is okay for a woman to give zakaah to her husband, if he is qualified to
receive zakaah, because she is not obliged to spend on him. Also, the
Prophet (pbuh) gave permission to the wife of Abd-Allaah ibn Masood to give
her zakaah to her husband

Misconception # 18:

Zakaah can be given to Non-Muslims if they are poor

It is not permissible to give Zakaah to any kaafir except the one who is
inclined towards Islam, in the hope that he will become Muslim if you give
him zakaah (al-Tawbah:60) .

------------ --------- ---------

Misconception # 19:

I will use Zakaah to build hospitals, masjid and orphanages

That is not permissible, because this is not included in the eight
categories on which zakaah may be spent.

Allaah tells us that Zakaah may be spent on the following:
“As-Sadaqaat (Zakaah) are only

for the Fuqaraa (poor),

and Al-Masaakeen (the poor)

and those employed to collect (the funds);

and to attract the hearts of those who have been inclined (towards Islam);

and to free the captives;

and for those in debt;

and for Allaah’s Cause (Mujaahidoon — those fighting in a holy battle),

and for the wayfarer (a traveler who is cut off from everything)”[ al-Tawbah: 60]

But if the intention in giving the money to an orphanage is so that this
money will be spent on the poor orphans, then this is permissible, if the
orphans are poor.
Similarly, Zakaah cannot be used to print Quraans and other Dawah material.

Misconception # 20:

Zakaah is the same as Zakaat ul-Fitr

Zakaat al-Fitr is NOT the same as Zakaah. These are two separate entities
and whoever paid Zakaah is NOT relieved of paying Zakaat al-Fitr and
vice-versa.

Misconception # 21:

I have to inform the one I am giving, that it is Zakaah

You *do not* have to tell the recipient that it is zakaah.

* *

*
------------ --------- ---------
*

**

*Must Watch :*
[image: Common Mistakes Commiteed By Muslims During Ramadan]

Is giving Charity (zakat) to Sayyid (Syed) forbidden (HARAM) in Islam?
http://www.youtube. com/watch? v=FukPRQH- QCw

Islam the solution for poverty
http://www.youtube. com/watch? v=NJx2CtQ8ZSk

What amount should be given in Sadaqah (voluntary charity)?
http://www.youtube. com/watch? v=pyypATmoVns& feature=related

------------ --------- ---------

Also read :
*Some Common Mistakes in Ramadaan*
http://groups. yahoo.com/ group/LoveIslam_ LiveIslam/ message/709

*As-salaam Walekum*

*Adil Khan*

Kesalahpahaman dalam berzakat

2.
Fwd: 21 Common Misconceptions about Zakaah
Posted by: "Morry Infra" morry.infra@gmail.com
Mon Aug 31, 2009 7:15 pm (PDT)


---------- Forwarded message ----------
From: Adil ibn Manzoor Khan
Date: Sun, Aug 30, 2009 at 10:17 AM

* *

**

** *In the name of Allah, the Most-Merciful, the All-Compassionate* *** * **

*"May the Peace and Blessings of Allah be Upon You"*

**

Praise be to Allaah, we seek His help and His forgiveness. We seek refuge
with Allaah from the evil of our own souls and from our bad deeds.
Whomsoever Allaah guides will never be led astray, and whomsoever Allaah
leaves astray, no one can guide. I bear witness that there is no god but
Allaah, and I bear witness that Muhammad is His slave and Messenger.

*Bismillah Walhamdulillah Was Salaatu Was Salaam 'ala Rasulillah*
*As-Salaam Alaikum Wa-Rahmatullahi Wa-Barakatuhu*

**

**

*21 Common Misconceptions about Zakaah*
*by Asma bint Shameem*

* *

*** *

**

Misconception # 1

I pray, dont I?

Whats the big deal if I dont give Zakaah?
*

*Zakaah is one of the PILLARS of Islam and NOT an option. It is just as
important to ones faith as Salaah. In fact, anyone who denies it is a Kaafir
and the Prophet (pbuh) and his Sahaba waged war against such persons even
though they uttered the Shahadah and prayed Salaah.
About such people Abu Bakr said: "By God! I shall certainly wage war against
the people who discriminate between Salaah and Zakaah." (Bukhaari, Muslim)

* *

Misconception # 2:

But it will decrease my wealth!
**

Abu Hurayra said that the Prophet (pbuh) said,

"Whoever is given wealth by Allaah and does not pay the Zakaah due thereupon
shall find that on the Day of Arising it is made to appear to him as a
hairless snake with two black specks, which chains him, and then seizes him
by his jaw and says, -I am your wealth! I am your treasure!'

Then he recited the verse, Let not those who are miserly with what God has
given them of His bounty think that this is good for them. Rather, it is bad
for them. That which they withhold shall be hung around their necks on the
Day of Arising. [3:180] (Bukhaari)

* *

Misconception #3:

I dont have to pay Zakaah every year.

Zakaah is an obligation that must be paid each year. The Prophet (pbuh) used
to send the zakaah-collectors to the tribes and cities, and they did not
differentiate between those who had paid their zakaah the previous year and
those who had not, rather they used to take the zakaah that was due on all
the “zakaatable” wealth that people possessed.

------------ --------- ---------

Misconception # 4:

I never paid Zakaah before.

I will just repent and that should be enough

The one who never paid Zakaah before should repent to Allaah first. Then he
should estimate the amount of Zakaah that was due on him over the years as
best he can, and pay it as soon as possible

Misconception # 5:

I dont have to pay Zakaah if I owe a debt

The one who has any “zakatable” wealth must pay zakaah on it, when one year
has passed since he acquired it, even if he has debts, according to the more
correct of the two scholarly opinions. The Prophet (pbuh) used to command
his agents to take zakaah from those who owed zakaah, and he did not tell
them to ask them whether they had any debts or not. (Majmoo Fataawa -Abd
al-Azeez ibn Baaz)

Misconception # 6:

I will waive my debt and count that as Zakaah

The Prophet (pbuh) said to Muaadh ibn Jabal, when he sent him to Yemen: “Teach
them that Allaah has enjoined upon them zakaah on their wealth, to be taken
from their rich and given to their poor.”

He (pbuh) explained that zakaah is something which is to be taken and given,
so on this basis it is not permissible to let off someone who owes you money
and count that as zakaah, because letting someone off a debt does not
involve taking and giving.

(Fataawa Manaar al-Islam by Shaykh Ibn Uthaymeen)

Shaykh al-Islam said: “letting someone off a debt does not relieve one of
the obligation of zakaah, and there is no scholarly dispute on this matter.
But you can give this needy person some of your zakaah and he can meet his
needs using what you give him as zakaah; and Allaah will help him to pay off
his debt in the future, inshaAllaah.”

------------ --------- ---------

Misconception #7:

I have lent someone some money. I dont have to pay Zakaah on it.

In this situation, there can be two scenarios;
1. If the borrower is rich and is known to repay debts promptly: The lender
has to pay Zakaah annually on the money lent, because it is possible to
recover the money readily and it is like money that is in ones possession.

2. If it is unlikely that the lender will get his money back or the borrower
is known to delay repayment: Then the lender does not have to pay zakaah
before he gets the money back, because it is not readily accessible and is
not like money that is in ones possession.

Misconception # 8:

I pay my taxes so I dont have to pay Zakaah!

The taxes we pay are to Uncle Sam/govt , not to Allaah to Whom the Zakaah is
due. And this Zakaah money is to be only spent according to the rules of
Shareeah in certain specific ways. Thus, it is not permissible for the taxes
we pay on our wealth to be counted as part of Zakaah. The obligatory Zakaah
must be paid separately.

Misconception # 9:

I will use the money that I receive from my bank as interest to pay off
Zakaah

First of all, putting money in the bank in return for interest is a kind of
riba which Allaah and His Messenger have forbidden, and it is a major sin.
The Prophet(pbuh) cursed the one who consumes riba and the one who
pays it.(Muslim)
This money cannot be used to pay Zakaah or other kinds of charity since it
is impure and a haraam form of wealth.

------------ --------- ---------

Misconception # 10:

I will pay Zakaah on whatever is OVER the Nisaab

If ones wealth surpasses the amount of nisaab, then Zakaah is due upon it
ALL, and not upon the surplus only.

Misconception #11:

Zakaah is due on precious gems, stones and diamonds

No zakaah is due on gems, precious stones, diamonds, etc. unless they are
prepared for trade, in which case they come under the same ruling as all
other trade goods

Misconception # 12:

I will buy diamonds so that I dont have to pay Zakaah

Some people try to get out of Zakaah by investing in diamonds, since no
Zakaah is due on them, and think they can outsmart Allah.

Doesnt Allaah know whats in our hearts and minds?

They forget that Zakaah is due on them if they are prepared for trade. “They
seek to deceive Allah and those who believe, but they deceive none except
themselves, though they do not sense it.“ (Surah al-Baqarah: 9)

------------ --------- ---------

Misconception # 13:

The husband HAS to pay Zakaah on the wifes jewelry and wealth

It is NOT the husbands duty to pay Zakaah on his wifes jewelry, wealth, etc.
Rather, it is her responsibility, since she is the possessor of the wealth.
If her husband or someone else pays zakaah on her behalf with her
permission, that is o.k., and he will be rewarded for this voluntary action.

Misconception # 14:

I only have gold, but I do not have any money. So, I dont have to pay
Zakaah….

Shaykh Ibn Uthaymeen said:“ Zakaah must be paid on jewelry if it reaches the
nisaab (minimum threshold), which is 85 grams. If it reaches this amount,
zakaah must be paid on it. If she has other wealth and pays from that, there
is nothing wrong with it. If her husband or one of her relatives pays it on
her behalf, there is nothing wrong with that. If neither of these options is
available to her, then she should sell some of it and pay zakaah with that
money.”

Misconception # 15:

I will use my Zakaah money on my immediate family

Shaykh Ibn Baaz said: “The Muslim cannot give his zakaah to his parents or
to his wife and children; rather he is obliged to spend on them from his
wealth if they need that and he is able to spend on them.”

------------ --------- ---------

Misconception # 16:

I cannot give Zakaah to my poor relatives

It is actually preferable for a person to give their zakaah to a brother,
sister, paternal uncle, paternal aunt or to any other relative, if they are
poor. This is because, giving zakaah to them is both an act of charity and
upholding family ties.

The Prophet (pbuh) said: “Charity given to the poor is charity and charity
given to a relative is charity and upholding of family ties.” (Ahmad,
al-Nasaa’i)

Misconception # 17:

A woman cannot give Zakaah to her Husband

It is okay for a woman to give zakaah to her husband, if he is qualified to
receive zakaah, because she is not obliged to spend on him. Also, the
Prophet (pbuh) gave permission to the wife of Abd-Allaah ibn Masood to give
her zakaah to her husband

Misconception # 18:

Zakaah can be given to Non-Muslims if they are poor

It is not permissible to give Zakaah to any kaafir except the one who is
inclined towards Islam, in the hope that he will become Muslim if you give
him zakaah (al-Tawbah:60) .

------------ --------- ---------

Misconception # 19:

I will use Zakaah to build hospitals, masjid and orphanages

That is not permissible, because this is not included in the eight
categories on which zakaah may be spent.

Allaah tells us that Zakaah may be spent on the following:
“As-Sadaqaat (Zakaah) are only

for the Fuqaraa (poor),

and Al-Masaakeen (the poor)

and those employed to collect (the funds);

and to attract the hearts of those who have been inclined (towards Islam);

and to free the captives;

and for those in debt;

and for Allaah’s Cause (Mujaahidoon — those fighting in a holy battle),

and for the wayfarer (a traveler who is cut off from everything)”[ al-Tawbah: 60]

But if the intention in giving the money to an orphanage is so that this
money will be spent on the poor orphans, then this is permissible, if the
orphans are poor.
Similarly, Zakaah cannot be used to print Quraans and other Dawah material.

Misconception # 20:

Zakaah is the same as Zakaat ul-Fitr

Zakaat al-Fitr is NOT the same as Zakaah. These are two separate entities
and whoever paid Zakaah is NOT relieved of paying Zakaat al-Fitr and
vice-versa.

Misconception # 21:

I have to inform the one I am giving, that it is Zakaah

You *do not* have to tell the recipient that it is zakaah.

* *

*
------------ --------- ---------
*

**

*Must Watch :*
[image: Common Mistakes Commiteed By Muslims During Ramadan]

Is giving Charity (zakat) to Sayyid (Syed) forbidden (HARAM) in Islam?
http://www.youtube. com/watch? v=FukPRQH- QCw

Islam the solution for poverty
http://www.youtube. com/watch? v=NJx2CtQ8ZSk

What amount should be given in Sadaqah (voluntary charity)?
http://www.youtube. com/watch? v=pyypATmoVns& feature=related

------------ --------- ---------

Also read :
*Some Common Mistakes in Ramadaan*
http://groups. yahoo.com/ group/LoveIslam_ LiveIslam/ message/709

*As-salaam Walekum*

*Adil Khan*

Kehancuran Uang Kertas Mengikuti Deret Fibonacci...

Dikutip dari Gerai Dinar (M Iqbal)
Sunday, December 30, 2007

Bahwasanya uang kertas yang menjadi salah satu pangkal Riba pasti hancur, ini sudah dijanjikan Allah dalam surat Al Baqarah 276 : “Allah Memusnahkan Riba dan Mensuburkan Sedeqah...”.

Namun karena para ekonom dan ilmuwan sering mengabaikan peringatan Al-Qur’an dan mengandalkan teori dan analisa ilmiah semata, maka pada tulisan ini saya berusaha menjelaskan proses ilmiah kehancuran mata uang kertas (US Dollar, Rupiah ata apapun namanya) dengan menggunakan analisa statistik harga Dinar dalam Rupiah dan dalam US$ selama 40 tahun terakhir.

Dalam ilmu statistik ada yang dikenal sebagai Deret Fibonacci, yaitu deret angka-angka 0, 1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89,144, 233, 377, 610, 987, 1597, 2584, 4181, 6765..dst. Angka-angka ini dihasilkan dengan cara menjumlahkan dua angka sebelumnya menjadi angka berikutnya. Contoh angka 5 adalah 2+3 ; angka 8 adalah 5+3 dst.

Apa istimewanya bilangan tersebut ? . Coba Anda bagi mulai angka 34:21 kemudian 55:34 gunakan kalkulator Anda dan set menjadi 3 digit di belakang koma – maka hasil pembagian akan menjadi angka 1.618. Begitupun angka-angka sesudahnya apabila dibagi dengan angka sebelumnya hasilnya akan menuju angka 1.618 tersebut.

Nah sekarang sebaliknya, bagi angka sebelumnya dengan angka sesudahnya...maka Anda akan selalu mendapatkan hasil angka 0.618.

Lantas apa istimewanya angka 1.618 dan 0.618 ini?. Ternyata angka ini banyak sekali kita jumpai di alam dan di tubuh kita. Barangkali ini antara lain yang diperintahkan Allah kepada kita untuk berpikir dalam surat Adz Dzaariyaat 21 “Dan juga pada dirimu sendiri. Maka apakah kamu tidak memperhatikan ?”. Ternyata bilangan tersebut juga digunakan Allah untuk menciptakan keindahan tubuh kita.

Coba ukur bagian tubuh Anda di area-area berikut, maka Anda akan menjumpai angka Fibonacci tersebut :

1. Jarak antara ujung jari dan siku / jarak antara pergelangan tangan dan siku.

2. Jarak antara garis bahu dan unjung atas kepala / panjang kepala.
3. 
Jarak antara pusar dan ujung atas kepala / jarak antara garis bahu dan ujung atas kepala.
4. 
Jarak antara pusar dan lutut / jarak antara lutut dan telapak kaki.
5. dst. dst.

Lantas apa hubungannya ini semua dengan kehancuran Rupiah dan Dollar ?.

Allah menjanjikan keteraturan di bumi ini ; coba perhatikan ayat berikut “Kamu sekali-kali tidak melihat pada ciptaan Tuhan Yang Maha Pemurah sesuatu yang tidak seimbang. Maka lihatlah berulang-ulang, adakah kamu lihat sesuatu yang tidak seimbang? Kemudian pandanglah sekali lagi niscaya penglihatanmu akan kembali kepadamu dengan tidak menemukan sesuatu cacat dan penglihatanmu itu pun dalam keadaan payah”. (QS. Al Mulk, 67: 3-4).

Dengan keteraturan pulalah Allah menghancurkan apa-apa yang di bumi, termasuk dalam memusnahkan Riba tersebut. Bahkan proses terjadinya kiamat-pun terurai secara rinci di Al-Quran dan Al Hadits, kejadiannya tahap demi tahap.

Di pasar modal, tahun 1937 ada ekonom yang terkenal R.N. Elliot yaang memperkenalkan teori gelombang yang disebut Elliot Wave Theory. Intinya naik turunnya harga saham juga mengikuti Deret Fibonacci tadi. Apabila kita bisa mengetahui kapan puncak yang satu, maka puncak berikutnya akan mendekati 1.618 kali puncak sebelumnya.

Dalam kaitan dengan nilai Dinar terhadap mata uang kertas Rupiah, titik puncak yang pertama dalam sepuluh tahun terkahir adalah di tahun 1998, sekarang sudah melewati puncak kedua. Bisa saja dalam waktu yang tidak terlalu panjang Dinar akan kelihatan lebih murah lagi, tetapi ini hanya sementara, selanjutnya akan menuju Deret Fibonacci berikutnya. Anggap puncak itu sekarang adalah Rp 1,096,900 per Dinar. Maka setelah menurun beberapa lama, harga Dinar insyaallah akan menuju puncak berikutnya yaitu 1.618 x Rp 1,096,900 atau berarti Rp 1. 8 juta , berikutnya lagi Rp 2.9 juta, Rp 4.6 juta, Rp 7.5 juta dst....sampai Rupiah benar-benar nggak ada nilainya.



Dollar Amerikapun demikian, puncak Harga Dinar tertinggi sebelumnya terjadi tahun 1980 dengan harga 1 Dinar setara US$ 88. saat ini harga Dinar yang mencapai US$ 116 masih belum mencapai puncak berikutnya. Berdasarkan Deret Fibonacci tersebut maka harga Dinar dalam waktu nggak terlalu lama insyaallah akan mencapai US$ 124. setelah itu akan turun sebentar, sebelum akhirnya rally menuju puncak-puncak berikutnya yaitu US$ 200 ; US$ 326, US$ 527 dst...sampai US$ benar-benar tidak ada nilainya.



Rentang waktu antara puncak satu dengan puncak lainnya bisa panjang (lihat US Dollar) – bisa pendek (lihat Rupiah)– tetapi polanya jelas dan jaraknya dari puncak satu ke puncak lain untuk seluruh mata uang kertas makin lama makin pendek. Ini juga sejalan dengan salah satu Hadits Rasulullah SAW yang pernah saya baca – mudah-mudahan Allah mengampuni saya bila saya keliru – yaitu apabila awal tanda kiamat sudah terjadi – maka tanda-tanda berikutnya akan beruntun terjadi dengan sangat cepat seperti jatuhnya butiran rantai kalung yang putus talinya....

Tanda-tanda kehancuran mata uang kertas sudah sangat jelas...., mudah-mudahan kita bisa mengambil pelajaran darinya.

*Catatan : Di pasar internasional yang pernah secara ringkas menggunakan Deret Fibonacci untuk analisa harga emas adalah Gold Price Organization, Ilmu duniawinya tulisan ini diilhami oleh analisa di situs mereka www.goldprice.org - saya hanya berusaha menambahkan sudut pandang saya sebagai seorang muslim melihat fenomena tersebut.

Dinar Investment Yield: Mistar Untuk Mengukur Hasil Riil Dari Investasi Kita...

Thursday, January 3, 2008
Dinar Investment Yield: Mistar Untuk Mengukur Hasil Riil Dari Investasi Kita...
Selama ini para pelaku bisnis dan juga individu menggunakan referensi suku bunga perbankan, SBI dan sejenisnya untuk mengukur apakah suatu investasi memberikan hasil yang baik atau kurang. Kalau hasil investasi tersebut lebih tinggi dari bunga deposito atau lebih tinggi dari SBI, maka investasi tersebut dikatakan berhasil dan sebaliknya.

Masalahnya adalah, alat ukur yang kita pakai tersebut menyusut nilainya dari waktu ke waktu – jadi hasil investasi yang diukur dengan alat ukur yang menyusut tentu juga tidak mencerminkan nilai yang sebenarnya. Mengenai penyusutan nilai uang kertas ini saya sudah bahas di tulisan sebelumnya.

Lantas apa alat ukur investasi kita yang lebih mencerminkan nilai daya beli yang sesungguhnya ?, lagi-lagi ya menggunakan Dinar sebagai pembanding. Namun kalau kita katakan tahun ini Dinar mengalami penguatan 32 % terhadap Rupiah maupun Dollar, apa artinya ini terhadap hasil investasi kita yang di Rupiah ataupun Dollar ? – tidak mudah bukan untuk mengkaitkannya ?.

Nah saya mencoba membuat alat ukur sederhana untuk keperluan tersebut, alat ini saya pakai sendiri untuk menilai investasi saya di beberapa usaha kecil-kecilan yang saya tangani. Saya share disini untuk para pembaca siapa tahu bermanfaat juga bagi orang lain.

Cara kerjanya sederhana saja, semua dibandingkannya dengan harga Dinar berdasarkan statistik rata-rata 40 tahun yang kita miliki, Dinar yang diam saja (tidak diinvestasikan = 0% hasil investasi dalam Dinar) memberikan hasil yang setara dengan hasil investasi dalam Rupiah rata-rata 30.04%/ tahun. Sedangkan terhadap hasil investasi dalam Dollar, ini setara dengan hasil investasi rata-rata 11.29%/tahun. Memang tahun 2007 lalu Dinar memberikan hasil yang exceptional 32% terhadap US$ Dollar – tetapi rata-ratanya 40 tahun ya 11.29% itu tadi.

Kalau diamnya Dinar saja memberikan hasil 4 kali lebih besar dari hasil deposito dalam Rupiah (setelah dipotong pajak Deposito Rupiah memberikan bagi hasil sekitar 7.5%/tahun) dan 3 kali deposito dalam US$ (setelah dipotong pajak Deposito US$ memberikan hasil sekitar 3.6%/tahun), maka alangkah baiknya kalau Dinar tersebut juga berputar untuk investasi. Kalau kita bisa berinvbestasi dengan hasil rata-rata 10% saja dalam Dinar, maka berdasarkan mistar Dinar Investment Yield tersebut hasil 10% dalam Dinar ini setara dengan 22.42 % dalam US$ dan setara dengan 43.04% dalam Rupiah.

Kalau deposito bagi hasilnya hanya antara seperempat sampai sepertiga dari Dinar yang disimpan saja, lantas apa investasi yang baik ?. Jawabannya adalah bisnis riil yang dijalankan dengan baik. Kalau belum ketemu bisnis yang baik atau mudharib yang bisa menjalankannnya, 'pertahankan dalam tangkainya' (Lihat QS : Ysuf 47-48) atau bahasa investasinya pegang dulu dalam bentuk asset yang paling aman - apa itu ya lagi-lagi Dinar. Lihat juga di dua tulisan saya sebelumnya mengenai Investai Dinar dan Bangun Ketahanan Ekonomi ...

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Mencegah Virus Masuk Komputer Melalui Flashdisk

Posted : Kamis, 06-11-2008 | 13:46:25 WIB
Salah satu cara pencegahan agar komputer kita tidak terserang virus adalah dengan mencegah terjadinya eksekusi terhadap file virus. Salah satu caranya adalah melakukan pencegahan penularan virus melalui flashdisk.
Untuk melakukan pencegahan, kita bisa menggunakan salah satu fitur yang ada di Windows XP yaitu Local Security Setting.
Adapun cara kerjanya adalah memproteksi komputer dari eksekusi terhadap semua file *.exe. Sehingga bila kita membuka file yang ada di flashdisk dan tanpa sepengetahuan kita ternyata menjalankan file virus, maka proses eksekusi tersebut akan di proteksi atau di batalkan.
Adapun langkah-langkahnya adalah:
1. Pilih Start >> Control Panel
2. Pilih Administrative Tools >> Local Security Policy
3. Pilih Software Restriction Policies >> Additional Rules
4. Pada Additional Rules klik kanan >> pilih New Path Rule…
5. Pada kolom Path, pilih Browes pilih dimana drive flshdisk berada, misal di I:\
6. Pada kolom Security Level, pilih Disallowed
7. Pilih OK dan Restart komputer
(fkr/rimbo)

Chip Super Canggih

Chip Super Canggih dari Korsel untuk Indonesia Posted : Jum'at, 13-06-2008 | 16:18:23 WIB

Seorang gadis terlihat sedang berkomunikasi via handphone dengan rekannya. Tak lama kemudian, mereka sepakat bermain gameonline melalui handphonenya. Setelah bosan, masih melalui handphonenya, mereka sama-sama menonton siaran televisi Korsel. Memang tak ada yang aneh. Tapi, akan terlihat menakjubkan ketika ternyata si gadis berada di Kota Jakarta, sedangkan rekannya berada di Seoul, Korea Selatan.

Apakah rahasianya? jawabannya, adalah satu chip mungil yang dibenamkan ke dalam handphone tersebut yang mampu menyediakan segala kebutuhan multimedia dan networking ke seluruh dunia. Teknologi seperti itu ternyata sudah ada di depan mata dan akan disodorkan ke dunia information technology (IT) Indonesia.

''Teknologi ini adalah kreativitas dengan menggabungkan semua fungsi seperti CATV, DVD, cable TV, game, displayphone, telepon tanpa GSM/CDMA, internet, navigation, GPS, dan MP3 ke dalam sebuah chip,'' ujar JH Lee, ketua United Nations Volunteers of The Word asal Korsel, kepada pers, Rabu malam (11/6).

Menurut Lee, teknologi IT terbaru yang diklaim sebagai teknologi generasi kelima atau dua tingkat di atas teknologi generasi ketiga atau yang dikenal dengan istilah 3G (third-generation technology). 3G adalah sebuah teknologi seluler dengan kecepatan minimal transmisi sekitar 2 megabytes per detik (2Mb/s). Evolusi 3G untuk teknologi seluler GSM adalah WCDMA (Wideband Code Division Multiple Access), sedangkan untuk teknologi selular CDMA, evolusinya adalah variannya seperti CDMA 2000 EV-DO (Evolution Data Only). Ini artinya, pengguna ponsel dapat melakukan konferensi video secara multipartai dari beberapa lokasi berbeda, baik domestik maupun internasional.

Lee juga menegaskan bahwa chip tersebut memiliki teknologi di atas Worldwide Interoperability for Microwave Access (WiMAX). WiMAX ini lebih memfokuskan pada layanan data pada akses Internet. ''Dengan chip ini kita bisa mendownload gambar video dalam hitungan detik, main game bersamaan di negara yang berbeda, menyaksikan seluruh chanel TV di seluruh dunia, dan bisa teleconference dengan 10 orang sambil tetap menonton TV di layar yang sama,'' jelasnya.

Lebih jauh Lee menyatakan, teknologi itu dikembangkan oleh sebuah tim yang terdiri dari 30 ilmuwan IT asal Korsel. Hak paten di level dunia untuk teknologi ini juga sudah diperoleh pada 2005 lalu. ''Teknologi ini belum ada di seluruh dunia, sebenarnya teknologi IT itu gampang yang penting adalah kecepatan,'' cetusnya.

Uniknya, meski pabrik dan infrastruktur telah disiapkan di Korsel, Lee dan rekan-rekannya justru memilih Indonesia sebagai tempat pengembangan produk tersebut. Bahkan mereka rela jika teknologi tersebut menjelma menjadi 'Made in Indonesia', karena software dan hardware-nya akan diproduksi di Indonesia.

''Di Korsel saja belum dibuka, ini bukan mimpi buat Indonesia karena SDM dan infrastrukturnya sebenarnya sudah ada. Saya ingin Indonesia memiliki kawasan industri IT dan nanti bisa ekspor ke luar negeri termasuk ke Korsel,'' tegasnya.

Lee mengungkapkan, selama ini Indonesia hanya menjadi pasar penjualan dan service IT impor. Indonesia, lanjut dia, setiap tahun harus membayar demikian besar untuk layanan seluler CDMA dari Amerika Serikat dan GSM dari Eropa ''Kita punya SDM yang sama, Korsel punya teknologi, Indonesia punya sumber daya alam dan sumber daya manusia, semua bisa disinergikan,'' jaminnya.

Teknologi IT yang disebut-sebut sebagai generasi kelima ini sangat mengandalkan chip yang disebut dengan Utopia Puri Global (UPG). Lee yang juga menjabat Pemilik Royal Puri Corporation mengaku nama chip itu merupakan gabungan bahasa Korsel, Indonesia, dan bahasa Inggris sebagai bahasa global.

Dua chip akan dibenamkan masing-masing di set-top box, semacam modem di Speedy Telkom yang bernama UinNet 3.5-BR. Chip lainnya bisa dibenamkan di handphone atau mobile type misalnya UinNet 3.5-Mago, sejenis ultra mobile PC. Uniknya, jika handphone selama ini hanya berfungsi sebagai penerima dan penerus sinyal, maka dengan handphone yang diberi chip akan berfungsi sebagai penerima, penerus, dan pemancar sinyal. ''Tak perlu kabel, serat optik, atau jasa satelit. Isi dalam set-top box itu ada kode rahasianya, baru bisa dibuka jika sudah ada perjanjian kerja sama,'' ungkap Lee.

Ketika disinggung apakah teknologi ini tak akan memukul perusahaan, BUMN, operator yang bergerak di bidang IT, Lee memastikan itu tak akan terjadi asalkan ada kebijakan dari pemerintah Indonesia. ''Kalau Telkom setahun saja untung Rp 23 triliun, dengan menggunakan ini akan untung sepuluh kali lipat bahkan bisa sampai Rp 500 triliun. Konsumen juga akan membayar minimal 30 persen lebih hemat, misalnya karena tak perlu berlangganan internet dan TV kabel,'' tegasnya.

Lee mengaku ia dan para ilmuwan Korsel sudah mempresentasikan teknologi ini di depan Meneg BUMN, Menkoinfo, Ditjen Postel, perusahaan dan operator IT, dan beberapa angggota Komisi I dan XI DPR, serta DPD. ''Tanggapannya positif, tapi belum ada pembicaraan lanjutan,'' ungkapnya. Dirjen Aplikasi Telematika Departemen Komunikasi dan Informatika (Depkominfo) Cahyana Ahmadjayadi mengaku menyambut positif rencana pengembangan teknologi baru itu di Indonesia.

''Saya ingin tahu seberapa jauh teknologi ini menjadi inovasi dalam rangka 100 tahun kebangkitan nasional. Memproduksi UPC Chip dalam konteks kerja sama antarnegara memang sangat dimungkinkan, kita sudah melakukan kesepakatan kerja sama termasuk di bidang IT dengan Korsel,'' ujarnya.

Salah satu Ketua Masyarakat Telematika (Mastel) Heru Nugroho, menyatakan jika benar alat itu memiliki kemampuan seperti yang ditampilkan, maka tentu pengguna IT di Indonesia akan dapat manfaat yang besar. ''Tapi persoalannya adalah ini memerlukan lisensi dari pemerintah, didistribusikan ke market yang mana, dan butuh beradaptasi dengan sistem yang sudah ada,'' jelasnya. (fkr/rol)