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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

9

\`dfgiwiie O`prikixieie D`ehgopz \vgerg| Graid=Rpizp Zpezpzie Mgkij

\vcn% Dijwi Jv% If% Dpdge If% Hkieg jie Jv% Ecv lI}}ik Oidvg

Mifizie Rwivgik jie \`ehpvprieIoij`dg \`ehimgie GraidPeg~`vrgzg Diaiwi

Ifrzvio

\`vo`dfiehie o`prikixieie Graid d`d|`vagkizoie |`vapewirpizp rgrz`d rcocehie wieh diezi|% Gi z`vdirpoaik jivg r`hg

|`dfgiwiie wieh d`ewcoceh ir|`o o`xiehie prikixie gzp r`ejgvg%

R`fihig prikixie Graid! rpdf`v |`dfgiwiie |`vegihiie wieh

jgmiaieoie |`vap jg|irzgoie jiziehewi jivg|iji rpdf`v wieh kiaia jie

f`fir jivg|iji b`ehoidie vgfi% O`vzir o`vmi geg ioie d`dfgebiehoie

|`voivi z`vr`fpz j`ehie d`df`vg ncopr o`|iji |vgerg|$|vgerg| Graid

wieh d`ejirivg gerzvpd`e$gerzvpd`e |`dfgiwiie o`prikixieie wieh

jgzixivoie ca`k gerzgzprg$gerzgzprg o`xiehie Graid diri ogeg%

\`e`vgdiie jie ridfpzie |ivi prikixie z`vkiji| gerzvpd`e$

gerzvpd`e |`dfgiwiie Graid d`vp|ioie rpizp mgkij wieh d`ewpdfieh

o`|iji |`vo`dfiehie `ocecdg Graid gzp r`ejgvg%

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

6

9%< O`prikixieie D`epvpz \`vr|`ozgn Graid

Graid r`fihig ihidi wieh d`df`vg |iejpie kgjp| pezpo o`r`mikz`viie

r`apvpk dieprgi jg jpegi jie iokgviz idiz d`diejieh zgehhg o`|iji

iozg~gzg o`prikixieie% O`prikixieie d`epvpz |`vr|`ozgn Graid fca`k

jgj`ngegrgoie r`fihig diei$diei iozg~gzg |`o`vmiie wieh jgprikioie

r`bivi |`vegihiie ca`k r`r`cvieh ridi iji j`ehie d`ehkirgaoie

r`rpizp fiviehie izip d`df`vg r`rpizp |`vokgjdizie fihg d`d|`vca`k

v`}`og wieh kiaia gigzp j`ehie bivi wieh zgjio f`vz`eziehie j`ehie

rwivgik% Kia geg f`vz`|izie j`ehie ngvdie Iaaik r%x%z%=

wd v.p)*"wz87*"zwd p+":z#k7*"Diorpjewi = \ijikia Iaaik z`aik d`ehkiaiaoie f`vmpia f`ag

+f`vegihi' jie d`ehkividoie vgfi%

Rpvik ia$Fiyivik! 6=680

O`prikixieie jiaid |`vr|`ozgn Graid ijiaik z`vdirpo jiaid fgjieh

nivjkp ogniwik% Geg f`v`vzg ziehhpehmixif prikixie ijiaik f`riv o`viei

gi ijiaik rpizp o`ximg|ie% Bpdi o`ximg|ie gzp ijiaik r`bivi

f`vopd|paie gigzp mgoi iji rizp |gkio z`aik d`aiorieioie iozg~gzg

o`prikixieie! dioi z`va`|iraik ziehhpehmixif o` izir r`apvpk ikag

opd|paie% R`fiagoewi mgoi zgiji r`cvieh|pe jivg|iji ikag opd|paie

z`vr`fpz wieh d`emiaieoie iozg~gzg o`prikixieie! dioi r`dpi ikag

opd|paie z`vr`fpz jgogvi f`vjcri jg rgrg Iaaik r%x%z%

R`kpfpehie gzp! z`vji|iz fiewio |vgerg| jie ioij jiaid dpidiaiz

wieh z`aik jg|`vo`eiaoie ca`k Graid r`mio }idie Virpapaaik r%i%x% aihg%

O`r`dpi |vgerg| geg z`aik d`df`vg vpieh wieh bpop| apir o`|iji pdiz

Graid pezpo f`vdpidiaiz j`ehie dpjik jie z`vizpv% Kia geg ijiaik

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

2

r`aivir j`ehie zpmpie o`prikixieie Graid wieh diei gi f`vzpmpie

d`ebi|ig o`miwiie jg jpegi jie iokgviz +ia$niaik'%

Prikixie |pai jgf`vg ziovgnie wieh |`afihig% D`epvpz @ebwbac|`jgi

Id`vgbiei! prikixie jgziovgnoie r`fihig ikag |`vegihiie wieh

d`ehidfga vgrgoc d`ehhifpehoie niozcv |`eh`apivie z`vdirpo dcjia!

fpvpk! fikie jie d`e`vgdi hiemivie d`aiapg o`pezpehie jivg|iji egaig

|irivie fiviehieewi%9

Opvizoc jie Kcjh`zrr +6$8%

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

:

Diorpjewi = R`rpehhpkewi cvieh$cvieh wieh r`aiap d`dfibi

Ogzif Iaaik jie d`ejgvgoie rcaiz jie d`einoikoie r`fikihgie jivg

v`}`og wieh oidg ieph`vikoie o`|iji d`v`oi j`ehie jgid$jgid jie

z`vieh$z`viehie! d`v`oi gzp d`ehkivi|oie |`vegihiie wieh zgjio

ioie o`vphgie%

Rpvik ia$Nizgv! 20=67

R`fihig prikixie Graid! d`v`oi d`dgopa ziehhpehmixif pezpo

d`ehidiaoie rgrz`d `ocecdg Graid r`|`vzgdiei wieh z`aik jghivgroie

ca`k rwivgiz Graid% Graid zgjio |`veik r`r`oiag d`d`vgezikoie pdiz

Graid pezpo d`emizpkoie cvieh aige ridi iji r`ridi Graid izip|pe

fpoie Graid% Fikoie ir|`o wieh |iageh |`ezgeh ijiaik gi ji|iz

d`d`agkivi o`fimgoie r`dpi |gkio ridi iji jivg |gkio |`ehpvprie!

|`o`vmi izip |`dgago kivzi%:

6%< O`prikixieie Graid Rpizp Mgkij @ocecdg

O`prikixieie Graid d`digeoie |`vieie |`ezgeh z`vkiji| jgvg!

dirwivioiz jie mphi e`hivi% O`xpmpjie prikixie Graid fpoieaik

r`dizi$dizi pezpo d`eh`miv o`pezpehie jie o`f`ejiie! diaik gi a`fgk

d`empvpr o`|iji d`df`vg rpdfiehie o` ivik d`emijgoie e`hivi

r`fihig r`fpik e`hivi wieh dimp jie diodpv% R`zgi| prikixie Graid

|`vap r`jiv fikixi fgjieh o`prikixieie wieh jgb`fpvg d`vp|ioie

rizp gfijiz pezpo d`ebivg o`v`jkiie Iaaik r%x%z% r`aige jivg|iji

d`ebivg o`pezpehie wieh diorgdpd! d`v`oi mphi kivpr f`vegiz pezpo

f`vokgjdiz o`|iji dirwivioiz jie d`ehkirgaoie fiviehie wieh fca`k

d`df`vg dieniiz o`|iji dieprgi ridi iji r`bivi aiehrpeh dikp|pe

zgjio aiehrpeh%0

: kzz|=##xxx%`|przioi%bcd! Cozcf`v 6

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

0

Jgvg R`ejgvgD`emijg prikixie f`vdioei r`r`cvieh gzp d`aiopoie gfijik jg

diei d`emiaieoie rizp o`vmi wieh jgmiaieoie ca`k Eifg jie Virpa%

Jg rid|geh gzp! d`v`oi mphi ji|iz d`a`|iroie jgvg jivg|iji

f`a`ehhp |`ehiehhpvie% Kia geg d`dfpozgoie fikixi d`v`oi zgjio

|`vap f`vhiezpeh o`|iji zixivie |`o`vmiie jg r`ozcv ixid

dikp|pe rxirzi% \`ehagfizie r`fihig prikixie mphi r`bivi zgjio

aiehrpeh ji|iz d`xpmpjoie a`fgk fiewio |`apieh |`o`vmiie o`|iji

cvieh vidig jie did|p d`eh`dfiehoie iozg~gzg o`prikixieie gzp

r`ejgvg%

\`vegihiie jiaid Graid jgiehhi| mgkij ngrifgagaaik o`viei jiaid

r`r`fpik |`vegihiie! prikixie z`v|iori d`eiehhpeh f`fie wieh

f`viz r`vzi d`d`vapoie ocr jie diri wieh fiewio pezpo

jgocvfieoie% Bcezckewi! jiaid |`vegihiie prikixie |`vap iji

rgniz rifiv% Rifiv d`aiwieg oiv`eik |`aiehhie jie rifiv j`ehie

r`zgi| pmgie wieh Iaaik zpvpeoie% Jiaid |`vegihiie mphi! xpmpj

o`vmiridi iezivi |`egihi j`ehie |`df`ag! |`df`oia! |`dfgiwi jie

r`fihigewi% O`vmiridi wieh figo jie o`vmi r`bivi f`vm`diik

r`d`diehewi jgzpezpz jiaid Graid%

\`ehagfizie prikixie Graid jiaid fgjieh |`vegihiie mphi d`df`vg

vpieh jie |`apieh o`|iji d`v`oi pezpo d`d|viozgooie |vgerg|$

|vgerg| jie kpopd$kioid Graid jiaid |`vegihiie d`v`oi% Gadp

f`vkpfpeh |`vegihiie! `ocecdg jie o`xiehie Graid dgriaewi

ji|iz jg|viozgooie jiaid idiaie |`vegihiie r`kivgie% J`ehie geg

f`vdioei! d`v`oi zpvpz z`aik f`vpriki pezpo d`aiorieioie rpvpkie

jie rwivgiz Graid gzp r`ejgvg% I|ifgai rwivgiz z`aik f`eiv$f`eiv ji|iz

jgz`hiooie jiaid |`vegihiie! gi ioie d`dfixi dieprgi dioge

ziopz j`ehie Iaaik r%x%z% jie f`vpriki pezpo d`ej`oizoie jgvg

j`ehie$Ewi%

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

>

DirwivioizD`emijg prikixie f`vdioei r`r`cvieh gzp z`aik f`vmiwi

d`epfpkoie rizp |`vegihiie wieh fivp% Kia geg ji|iz d`xpmpjoie

o`|`afihigie jiaid |`eh`apivie |vcjpo$|vcjpo fivp jg |irivie

wieh ji|iz d`df`vg opiri d`dgagk jg oiaiehie |`df`ag jie

dirwivioiz% \`vrigehie wieh a`fgk rgkiz jg oiaiehie |ivi prikixie

mphi ji|iz jgxpmpjoie%

Jiaid ocez`or wieh a`fgk apir! iozg~gzg |`vegihiie r`bivi aiehrpeh

izip|pe zgjio aiehrpeh d`ewpdfieh o`|iji d`d|`vrgi|oie jie

d`d`epkg o`|`vapie dirwivioiz jivg r`hg dioie dgepd! |ioigie!

vpdik! z`d|iz zgehhia jie aige$aige% J`ehie oizi aige! d`aiapg

iozg~gzg |`vegihiie d`dfca`koie pdiz Graid okprprewi d`d`epkg

jie d`d`agkivi jivpvgwik ia$okidrik d`v`oi gigzp ihidi! mgxi!

ioia! o`zpvpeie jie kivzi d`v`oi% Geg d`vp|ioie rpizp priki wieh

dpagi jie idiz jgzpezpz ca`k rwivio%

\`eji|izie wieh jg|`vca`kg jivg|iji bpoig jie }ioiz |`vegihiie

|pai ji|iz d`dfiezp o`vimiie jiaid d`ew`a`rigoie diriaik

o`dgrogeie e`hivi% \`apieh |`vegihiie wieh jgb`fpvg ca`k

prikixie mphi ji|iz d`vi|izoie mpvieh |`vf`}iie `ocecdg jg

oiaiehie dirwivioiz%

E`hiviD`emijg prikixie d`vp|ioie riaik rizp oi`jik pezpo

d`ehpviehoie oijiv |`ehiehhpvie! d`ehhiaiooie |`vzpdfpkie

|`vegihiie o`bga jie r`j`vkiei r`vzi d`ehh`viooie o`dimpie

`ocecdg r`r`fpik e`hivi% Gi r`bivi zgjio aiehrpeh ji|iz d`df`vg

o`rie |crgzgn o`|iji e`hivi z`vpzidiewi jivg ir|`o f`vgopz=

g% \`vo`dfiehie rwivgoiz dgago viowiz z`d|izie ioied`ehpviehoie |`vhiezpehie e`hivi o`|iji rwivgoiz$

rwivgoiz dgago viowiz irgeh% D`rog|pe |`aifpv jivg e`hivi

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

8

irgeh idiz jg|`vapoie! eidpe o`dimpie gejprzvg z`d|izie

ji|iz d`ehidfgaiagk |`vieie d`v`oi%

gg% \`vegihiie o`bga d`vp|ioie irir o`|iji |`vzpdfpkie jie|`vo`dfiehie |vcjpo fivp jiaid |irivie% O`dimpie jiaid

iozg~gzg |`vegihiie wieh jgmiaieoie d`emijg niozcv o`|iji

|`dfiehpeie r`r`fpik fiejiv% Gejprzvg |`dfpizie jie

ovinziehie dgriaewi ji|iz d`eivgo o`jiziehie |`aiebceh o`

r`rpizp z`d|iz jie r`z`vprewi ji|iz d`dfiehpeoie

`ocecdg z`d|iz z`vr`fpz%

ggg% D`dgagog |`vegihiie r`ejgvg ji|iz d`aikgvoie o`wiogeiewieh zgehhg o`|iji |ivi prikixie jie r`z`vprewi ji|iz

d`egehoizoie |vcjpozg~gzg o`vmi jg oiaiehie d`v`oi%

F`vjirivoie |`vieie f`riv wieh jgdigeoie ca`k |ivi prikixie Graid

geg! dioi ijiaik d`emijg ziehhpehmixif d`v`oi pezpo d`dirzgoie

r`zgi| iozg~gzg |`vegihiie wieh jgmiaieoie d`e`|izg |vgerg| jie

o`k`ejio rwivio% Geg z`vdirpoaik jiaid ir|`o rpdf`v dcjia wieh

d`dfgiwig `ezgzg |`vegihiie gzp r`ejgvg% R`fihig prikixie Graid! dcjia

|`vegihiie |`vap jg|irzgoie jgidfga jivg rpdf`v wieh kiaia jie f`fir

jivg|iji perpv vgfi j`dg d`eji|izoie o`f`voizie jie o`v`jkiie Iaaik

r%x%z% jg jpegi jie iokgviz% Ridfpzie jie rcocehie jivg|iji |ivi

prikixie Graid geg d`ehhiaiooie |`vzpdfpkie jie |`ebg|ziie

gerzvpd`e$gerzvpd`e o`xiehie fivp f`vjirivoie |vgerg|$|vgerg| Graid%

R`eivgc r`f`hgeg r`z`vprewi d`ewpdfieh o`|iji priki Diaiwrgi pezpo

zid|ga r`fihig |`dgd|ge kpf o`xiehie Graid hacfia%

2%< Rpdf`v \`dfgiwiie Pezpo Prikixie

\`dfgiwiie d`vp|ioie iaiz izip gerzvpd`e wieh jghpeioie ca`k

rwivgoiz pezpo d`eid|peh |`vf`aiemiie dcjia izip c|`virg kivgie

rwivgoiz% \`dfgiwiie f`v|`vieie pezpo d`ehh`viooie r`hiai |pebi

izip rpdf`v dcjia wieh iji j`ehie bivi wieh b`oi| rp|iwi mpdaik

wieh jg|`vapoie pezpo |`aifpvie jie |`ehhpeiie ioie r`ezgiri ji|iz

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

;

jgr`jgioie d`aiapg zifpehie% \`dfgiwiie geg fca`k f`vrgniz miehoi

|`ej`o! r`j`vkiei dikp|pe miehoi |iemieh%>

Jg |`vgehoiz |`vdpaiie |`vegihiie! o`fiewioie prikixie ai}gdewi

d`ehkiji|g diriaik dcjia wieh z`vkij% Mprz`vp! d`v`oi z`v|iori

d`ehhpeioie rpdf`v o`xiehie wieh iji r`figo dpehoge% Iji

o`zgoiewi prikixie z`v|iori d`df`aioiehoie o`|`ezgehie jgvg jie

o`apivhi r`ejgvg! d`ehhpeioie xieh rgd|ieie r`ejgvg#o`apivhi pezpo

|`vegihiie! d`empia ir`z dgagoie |`vgfijg fihg zpmpie |`vegihiie

izip|pe d`eji|izoie |`dfgiwiie jivg|iji fieo! ih`erg jie gerzgzprg

f`voigzie%

Z`vji|iz |`afihig m`egr fiezpie! |gemidie jie |`dfgiwiie wieh

jgr`jgioie ca`k |gkio o`vimiie pezpo d`dfiezp prikixie$prikixie jg

Diaiwrgi wieh fpoie rikimi f`vf`ezpo oce~`ergceia diaik mphi

f`vz`viroie |vgerg|$|vgerg| rwivgik% Ieziviewi giaik O`d`ez`vgie

\`dfiehpeie Prikixie jie Oc|`virg +D@BJ'! Fieo O`vmiridi

Viowiz Diaiwrgi F`vkij! Ihvc Fieo Diaiwrgi jie f`f`vi|i fieo aige%

F`vjirivoie o`|iji m`egr$m`egr |`dfgiwiie wieh jgzixivoie ca`k

o`d`ez`vgie jie ih`erg z`vfifgz! prikixie$prikixie jg Diaiwrgi

d`d|pewig |gagkie fihg d`eji|izoie |gemidie izip |`dfgiwiie

f`viriroie |vgerg| rwivgik wieh f`vr`rpigie j`ehie o`k`ejio jie m`egr

|`vegihiie d`v`oi% Iezivi rpdf`v |`dfgiwiie wieh fca`k jg|ckce

ca`k |ivi prikixie ijiaik r`|`vzg f`vgopz=

> Dckid`j Jikaie Gfvikgd +6

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

7

Gerzgzprg#

FieoEidi Rogd# Jiei# Zifpeh \vgerg|

Fieo

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Diaiwrgi

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+DprO'

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\`dfgiwiie Ocezvio$g +Zgmivg'

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[bkieh`

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+V`~ca~geh Acie'

Rogd Prikixie Zieg

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Imga

Fiwl Fgzkidie

Imga

8/8/2019 Pembiayaan Keusahawanan Mengikut Prinsip Islam: Suatu Tuntutan Jihad

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R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

9

Iezivi bgvg$bgvg pzidi ocezvio geg ijiaik r`|`vzg f`vgopz=

g% Ocezvio r`xiie wieh jgz`ezpoie fiwivie r`xi jie z`d|ckr`xiieewi% I|ifgai z`d|ck r`xiie zidiz! ocezvio

z`vfpfiv jie |`ew`xi jgf`vg |gagkie pezpo d`dgagog

fivieh wieh jgr`xi izip d`dpaiehoieewi o`|iji

|`dgagoewi +ia$Gmivik Dpezikgwik Fg$Ziokwgv'%

gg% Ocezvio mpia f`ag f`vaiop |iji iokgv z`d|ck r`xiie+r`ogviewi |`ew`xi gehge d`dgagog fivieh wieh jgr`xi gzp

izir kivhi wieh jg|`vr`zpmpg f`vridi'%

ggg% \`dgago fivieh f`vmiemg ioie d`dgejikoie kio dgagofivieh wieh jgr`xi o`|iji |`ew`xi r`z`aik zidizewi

z`d|ck r`xiie d`aiapg ocezvio mpia f`ag izip kgfik%

g~% \vcr`r |`dgejikie dgago geg f`vaiop r`bivi f`vierpv$ierpv%

Fiwl ia$JiweGi d`vpmpo o`|iji |`dfgiwiie kpzieh! gigzp |`vpezpoie o`xiehie

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j`ehie bivi mpia#f`ag jcopd`e#o`vzir |`vjihiehie% Gi d`vp|ioie

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d`a`fgkg rizp zikpe% Kiewi jcopd`e wieh d`dfpozgoie kpzieh

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8/8/2019 Pembiayaan Keusahawanan Mengikut Prinsip Islam: Suatu Tuntutan Jihad

17/17

R`dgeiv O`prikixieie Graid GG \`vgehoiz O`fiehriie

98

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|`vegihiie ihiv vgrgocewi ji|iz jgdgegdioie% J`ehie j`dgogie! kirviz

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