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Ya Allah Kurniakanlah Rezeki Yang Baik Pada Hari INI dan Jauhkanlah Daku Dari Keburukan

Ya Allah Kurniakanlah Daku Rezeki Yang Baik Pada Hari ini dan Jauhkanlah Daku Dari Keburukan. Ya Allah Kurnikanlah Cahaya Pada Hati ku Sebagaimana Terangnya Bumi Dengan Cahaya Matahari MU Selama-lamanya, Dengan Rhamat Mu Wahai Tuhan Yang Maha Pengasih dan Maha Penyayang.

Jom Mengerjakan UMrah


Sunday, April 24, 2011

Takzirah-Selingan


Bahaya Hutang Menurut Islam


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(20 votes, average 3.95 out of 5)

Fenomena Hutang Dan Keburukannya

Oleh :
Zaharuddin Hj Abd Rahman
Keadaan umat Islam menjadi memilukan apabila, aktiviti berhutang menjadi asas kehidupan masyarakat hari ini, ia mungkin tidak pelik bagi mereka yang tidak berkemampuan, tetapi ia telah menjadi kaedah dan teknik yang terbaik (sebagaimana didakwa) bagi mencapai keuntungan dan mengekalkan kekayaan sesebuah syarikat atau individu. Sila rujuk www.zaharuddin.com.
Maka lahirlah ramai individu yang berkemampuan untuk membuat pembayaran secara tunai, tetapi masih lagi suka berhutang dalam membeli kereta dan rumah. Hujah mereka mudah sahaja dalam hal ini, iaitu jika bayar tunai maka kita akan RUGI, RUGI dan RUGI. Inilah satu fenomena kurang sihat yang telah di anggap sihat oleh masyarakat hari ini.  Ia berpunca daripada kurangnya maklumat berkenaan bahaya hutang dalam keadaan berkemampuan.
Dalam konteks semasa, kita dapat melihat bagaimana ramainya peminjam-peminjam yang enggan membayar hutang pengajian, rumah, kereta, syarikat mereka, ada juga yang lebih rela digelar muflis asalkan tidak perlu membayar jumlah hutangnya yang menimbun. Ia kelihatan enak untuk tidak membayar hutang di dunia, tetapi ia pasti akan menjadi malapetaka di akhirat.
Minggu ini, sama-sama kita mempelajari pandangan Islam dalam hal hutang ini. Nabi SAW bersabda :-
يغفر للشهيد كل شيء إلا الدين
Ertinya : " Diampunkan semua dosa bagi orang mati yang terkorban Syahid kecuali jika ia mempunyai hutang (kepada manusia)" ( Riwayat Muslim, 6/38)
Lebih buruk lagi apabila terdapat sesetengah individu yang meminjam dengan niat untuk tidak memulangkan kembali. Sebagaimana Sabda Nabi SAW :
من أدّان أموال الناس يريد أداءها أدى الله عنه , ومن أخذها يريد اتلافها أتلفه الله
Ertinya : Barangsiapa yang meminjam harta orang lain dengan niat ingin mengembalikannya, Allah akan mengembalikan pinjaman itu, namun barangsiapa yang meminjamnya dengan niat ingin merugikannya, Allah pun akan merugikannya" ( Riwayat Al-Bukhari, 2/83 )
Rasulullah SAW juga kerap mengajar umat islam agar berdoa dilepaskan dari hutang :
اللهم إني أعوذبك من المأثم والمغرم ( الدين ) , فقيل له : إنك تستعذ من المغرم كثيراً يا رسول الله ؟ فقال : " إن الرجل إذا غرم حدث فكذب , ووعد فأخلف"
Ertinya : Ya Allah, aku berlindung kepadaMU dari dosa dan hutang, lalu Baginda ditanya : Mengapa engkau sering meminta perlindungan dari hutang, wahai Rasulullah ? ; Baginda menjawab : " Jika seseorang berhutuang, bila berbicara ia dusta, bila berjanji ia mengingkari" ( Riwayat Al-Bukhar, 1/214 )
Terdapat juga dalam sebuah hadith lain :
Ertinya : Ya Allah, aku berlindung dari kekufuran dan hutang, Mendengar itu seseorang bertanya, " Apakah engkau menyamakan kekeufuran dengan hutang wahai Rasulullah ? ; " Benar " Jawab Rasulullah" ( Riwayat An-Nasaie, 2/316 ; Ahmad , 3/38 ; Al-Hakim berkata Sohih dan disepakati oleh Az-Zahabi; Menurut Albani : Dhoif )
Berlandaskan dalil-dalil di atas jelaslah kepada kita bahawa aktiviti berhutang ini adalah kurang sihat menurut pandangan Islam. Justeru, kita sewajarnya menjauhinya semampu boleh. Beberapa cadangan di bawah perlu difikirkan demi memastikan tanggungan dan beban hutang kita dikecilkan, ia seperti berikut :-
  • a) KAD KREDIT : -Jauhkan diri dari menggunakan kad kredit. Selain isu-isu riba yang begitu hampir dengan kad kredit, ia juga amat menggalakan hutang secara berlebihan. Malah jika seseorang ingin menggunakannya, adalah amat dinasihatkan agar digunakan untuk memudahkan urusan di saat-saat yang benar-benar terdesak. Selain itu, adalah lebih baik juga menggunakan "Charge Card" atau "Debit Card" sahaja. Jauhkan diri dari ketagihan penggunaan kad kredit.
  • b) PINJAMAN PERIBADI : Ini satu lagi jenis produk yang boleh mengakibatkan penyakit ketagihan duit di kalangan masyarakat. Pelru disedari bahawa seluruh jenis pinjaman peribadi secara konvensional adalah di haramkan oleh Islam dengan sepakat seluruh ulama. Cuma, hari ini, terdapat beberapa Bank Islam dan perbankan Islam yang menawarkan Pinjaman (pembiayaan) peribadi secara Islam. Sebagai makluman, tidak semua bank Islam menawarkannya kerana produk ini berlandaskan konsep "bai inah" ( jual dan beli semula antara dua pihak yang sama). Konsep ini amat konterversi dan di tolak oleh kebanyakan ulama timur tengah, bagaimanapun ianya diterima oleh ulama Malaysia dan Brunei. Apapun, pada kebiasaannya, kadar yang dikenakan adalah tinggi. Oleh itu, penggunaannya tanpa keperluan yang amat mendesak juga perlu dikurangkan atau dihapuskan terus demi mengurangkan beban hutang yang ditanggung.
  • c) PERUMAHAN DAN KERETA : dua item ini mungkin keperluan yang asas bagi kebanyakkan individu. Bagi saya, seeloknya, hutang peribadi kita eloknya dihadkan kepada dua jenis ini sahaja. Itupun , mestilah menilai kemampuan kewangan dengan sebaiknya agar tidak mendedahkan diri kepada bahaya ketidakmampuan membayar hutang. Sebarang pinjaman kereta dan rumah secara konvensional adalah disepakati haramnya oleh seluruh ulama dunia.
  • d) UMRAH DAN HAJI SUNAT (KALI KEDUA): Haji sememangnya wajib bagi umat Islam yang berkemampuan fizikal dan kewangan. Bagaimanapun, yang wajib hanyalah sekali sahaja. Justeru, umat Islam perlu memahami ‘priority' atau "awlawiyyat" di dalam pengendalian wang peribadi. Menurut Islam, menggunakan wang yang diperuntukan untuk ke umrah dan Haji kali kedua adalah lebih baik dan besar pahalanya untuk disalurkan bagi melupuskan pembayaran hutang peribadi yang bertimbun-timbun itu. Malangnya, ketidak fahaman kebanyakan umat islam hari ini menyebabkan mereka kerap mendahulukan sesuatu yang kurang penting berbanding yang lebih penting.
7 Ogos 2006
Hubungi Kami: 0134861990 Nordin atau e-mail kami nordi_jef@yahoo.com. Matlamat kami ialah membantu anda..KEJAYAAN ANDA KEJAYAAN KAMI JUA..

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Urgent action needed against Penang swiftlet farming



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Wednesday, 23 June 2010 19:41

Rebecca Duckett highlights the risks posed by swiftlet farming in the George Town world heritage site in a letter to the Penang Chief Minister.

As a resident of George Town and as a council member of the Penang Heritage Trust, I want to bring to your attention yet again, the problem of swiftlet farming in our urban areas. The National Guidelines For Swiftlet Breeding are to be presented to Cabinet very soon and there has been no public discussion whatsoever with stakeholders, residents or NGOs. This lack of transparency has to be addressed before any Guidelines for Swiftlet breeding can be passed.

According to the June 2005 newsletter of the Malaysian Swiftlet Farmers Association, over 10% of houses - 400 houses- in George Town have been converted into swiftlet farms. The latest casual count estimates that these numbers could be closer to 20% of houses in George Town.

We do not oppose swiftlet farming in general; it is a very lucrative business which brings in approximately RM 1.5 billion per year. However, the damage urban swiftlet farming in George Town is doing to our "intangible heritage", by moving people out of buildings in order to open swiftlet farms, and to our "tangible heritage" by destroying the original features of the “exceptional range of shophouses and townhouses” that gave us our WHS listing in the first place is too great to be ignored.

Swiftlet farming encourages swiftlets to nest in a particular house, in order to harvest the nests that they build there. These nests are then sold on at an extremely lucrative price, to be used as the main ingredient in birds nest soup. We are not opposing the practice of swiftlet farming in general but we want it relocated from George Town into less populated, agricultural areas, for the following reasons:

1) Health concerns, including but not limited to:

- Cryptococcus
Dried bird droppings and bird’s nests have been known to harbour the yeast spore Cryptococcus, which ideally forms colonies at 20 - 37°C (perfect for Georgetown) and which is responsible for infections in human beings. Inhalation of Cryptococcus spores cause lung infections, cryptococcal meningitis and pneumonia in healthy children and adults, and is particularly dangerous to anyone who is immuno-compromised.
King, Dr. John W. and DeWitt, Meredith L., “Cryptococcosis,” http://emedicine.medscape.com/article/215354-overview, October 30th, 2009

- Avian Flu
Avian flu, or H5N1, is a rare but severe disease that can be fatal. The last person diagnosed with avian flu was in Vietnam on 16th March of this year. According to the WHO (World Health Organization), “all birds are thought to be susceptible to infection with avian influenza viruses”. It is possible that the avian flu virus could be introduced to swiftlets in George Town from migratory waterfowl, which scientists believe are “now carrying the H5N1 virus in its highly pathogenic form, sometimes over long distances.”

The WHO states: “Japan, the Republic of Korea, and Malaysia have controlled their outbreaks and are now considered free of the disease. Elsewhere in Asia, the virus has become endemic in several of the initially affected countries.” However, there is no reason to suggest that swiftlets coming into contact with infected migratory birds from other parts of Asia will not contract H5N1. Living in such close proximity to one another, contaminated swiftlets would quickly transfer the disease between themselves, increasing the chances for human infection either via direct contact with contaminated birds or contaminated feces, the two most common sources of infection. World Health Organisation, “Avian influenza “bird flu”,” http://www.who.int/mediacentre/factsheets/avian_influenza/en/#countries, February 2006

- Dengue Fever

Pools of water created by swiftlet farmers to ensure an ideal humidity and temperature for the birds also create perfect breeding grounds for mosquitos, including Aedes Mosquitos, which carry Dengue Fever. Outbreaks in George Town on specific streets have recently been very common.

2) The danger swiftlet farming poses to George Town’s Unesco status:

- The United Nations Educational, Scientific and Cultural Organization (Unesco) seeks to encourage the identification, protection and preservation of cultural and natural heritage around the world considered to be of outstanding value to humanity. George Town’s World Heritage Site status is not just a label that will increase tourism, but a treaty signed to conserve the unique “intangible heritage” of George Town.

However, homes that are converted into birdhouses suffer irreparable damage, as original windows, doors, plasterwork and features are removed, and sprinkler systems are set up to keep the house humid. This not only causes water damage, damp and rot to that house, but also to adjacent properties, thereby threatening the “unique architectural and cultural townscape without parallel anywhere in East and Southeast Asia...in particular [the] exceptional range of shophouses and townhouses” which gave George Town WHS status in the first place.

Puan Maimunah, as Acting General Manager to the George Town World Heritage Office, has stated that: “personally, the swiftlet industry poses a conflict to the World Heritage Site listing, and possibly needs to be relocated”. If action is not taken against urban swiftlet farming, and George Town “loses the characteristics which determined its inscription on the World Heritage List” it may be placed on the List of World Heritage in Danger or have its status as a World Heritage Site revoked. The Site listing undoubtedly brings more tourism and therefore more money to our city. The loss of our architecture and/or listing would negatively impact on tourism and harm the economy of George Town.

3) Noise pollution:

- The sound systems used to attract swiftlets by playing amplified birdsong continuously constitutes noise pollution, which is a nuisance for residents of and visitors to George Town. However, in recent months, the main source of noise pollution is the birds themselves because numbers have soared and are now out of control. The sky above residences in George Town are full of birds emitting piercing sounds especially in the early hours of morning, late afternoon and evening.

Responsibility of the Penang state government and its departments:

The Penang State Government controls the future of George Town. The decisions made now have long term consequences. In order to address these consequences, we urgently request that the State Government of Penang keeps to and enforces, the terms of the extended moratorium on Swiftlet breeding in George Town, that states that operators cannot start any new swiftlet farms in George Town. The moratorium was set up to halt the proliferation of swiftlet houses in George Town, not as a open bill for them to proliferate freely. The breeders are openly setting up new farms all over George Town. By condoning and allowing this to happen the State Government and MPPP accepts that it is responsible for any negative impact on public health and environment.

We request that the State Government creates a heft annual tax to be paid by each individual urban swiftlet farm until they have moved from the urban areas of George Town on or before the deadline set by the State Government. This tax creates a fund which can then be used when an outbreak of Avian Flu H5N1, Crytococcus or other disease relating to birds, breaks out enabling the State Government to act on any emergency measures needed for this outbreak or environmental disaster cleanup. For the swiftlet farmers, this tax payment will mark their dedication to the maintenance of their farms health and safety measures and further reinforces their responsibility and belief that swiftlet farming in urban areas amongst a dense human population, poses no dangers to humans. Non payment of this tax allows the State Government to forcibly close down the swiftlet farm.

We also insist that in addition, the State Government as a whole, with the Heads of the Veterinary Department and Public Health, be made personally responsible for any environmental and health and safety issues that will arise from the spiralling increase in the population of swiftlets over George Town and the environmental disaster that will take place within the next few years, if swiftlet farms are not removed immediately from our urban areas. The State Government and the Heads of the Veterinary Department and Public Health will also be personally responsible to pay any compensation required in events of death from any bird related disease, outbreak of disease, as well as the loss of investment made by stakeholders who have put huge investments into the belief that George Town will benefit from its Unesco World Heritage Status and is currently being marketed as a tourist destination and world class heritage site by the Penang State Government. Loss of investment should also include, but not be limited to, being forced to move from buildings because of an individuals fear to his/her own personal health and safety.

Laws are being enforced by the State Government on developers, on residents, on landlords that are trying to revitalise George Town as a residential, cultural, heritage and tourist hub, yet swiftlet farms are being allowed to proliferate freely, beyond the realms of law. The State Government must act with a balanced hand.

I would request your immediate assistance in lobbying the Malaysian Government to sign into law, guidelines explicitly prohibiting swiftlet farming in George Town and urban areas, and to act on bringing current owners of swiftlet farms in urban areas to justice. The health and safety of the rakyat and Malaysia's precious environment should be foremost in any Government initiative. Moving swiftlet farming out of George Town and urban areas is in keeping with the State Government of Penang's initiative for a "Cleaner, Greener, Penang" and must be viewed with long term benefit to all the rakyat, all cultures, all tangible and intangible heritage in George Town and our urban areas.

Rebecca Duckett is a council member of the Penang Heritage Trust

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