konsep penggunaan dari perspektif ekonomi islam

7/23/2019 Konsep Penggunaan Dari Perspektif Ekonomi Islam

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Skdbagy Nk{sglg}gaga Bs`gd BB _kybamngu Nkigamsgga

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Nfaskp _kamm{agga egyb _kyspknubh Knfafdb Bs`gd

Igsyb iba Gie! Mlgab, Gie Gzbz iba Lgyjba ega Sgr{ub iba Gie!Mlgab

Gisuygn

_kysfg`ga knfafdb geg`gl dky{pgnga nfdpfaka pkaubam eg`gd sbsukdlbe{p Bs`gd! Bgarg ikymkygn eg`gd pkaebsbp`baga b`d{ nkdgsrgygnguga nkygag

ibegam pkamngjbgaarg ukyu{dp{ nkpgeg ubaegn$ugae{n baebxbe{ ega dgsrgygngu

eg`gd nkmbguga pkamk`{gyga pkamgmblga ega pkamm{agga skyug sk`gyb ekamga

pkygu{yga G``gl s!}!u Bab geg`gl nkygag g`$W{yga ikmbu{ dkabubnikygunga

nkigjbnga mf`famga dbsnba ega mf`famga ikypkaegpguga ykaegl! F`kl bu{

nkpkamm{agga skikagyarg ubegn egpgu dkamk`gn egybpgeg sgu{ gdgagl rgam

ukyugn`{n nkpgeg nkukau{ga B`glb! Bdp`bngsbarg dga{sbg egpgu dkamg}g` sbhgu

ega nklkaegn rgam ubegn ukyigugs skcgyg ukypbdpba ikypgae{nga nkpgeg

pkygu{yga ega ng}g`ga$ng}g`ga srgygn! Gnubxbub nkpkamm{agga bab pkaubam

ebibcgygnga nkygag dk`blgu nkpgeg pkamgy{l nkikaegga rgam skdgnba lkigu

dk`gaeg dgsrgygngu nl{s{sarg eg`gd gspkn pkamm{agga! ]g`g{p{a dgu`gdgu

baebxbe{ knfafdb eg`gd gnubxbub pkamm{agga geg`gl {au{n dkacgpgb

nkskjglukygga nklbe{pga! Agd{a nkskjglukygga eg`gd nfaukns knfafdb igygudkdi{gu pkam{n{yga gpgib`g skskfygam baebxbe{ knfafdb egpgu dkd{gsnga

pk`igmgb nklkaegn ukylgegp igygamga ega pkynlbedguga skdgug$dgug!

_gaegamga skekdbnbga ikyikzg ekamga nklkaegn Bs`gd! Ab`gb kubng knfafdb

Bs`gd c{ig dkam{ygamnga nkpky`{ga dga{sbg ukylgegp nkikaegga rgam

iky`kiblga pgeg dgsg nbab s{pgrg ukagmg dkykng egpgu ebgyglnga eg`gd sfg`

nkyflgabga! J{suky{ dgsg`gl pkdigzbyga iky`{dig$`{dig dkamkjgy sugu{s

i{egrg ikyl{ugam rgam ubammb ega bah`gsb skuky{sarg dkacku{snga pk`igmgb

dgsg`gl$dgsg`gl sfsbg` eg`gd dgsrgygngu egpgu ebk`gnnga! Iglnga ukfyb

pkamm{agga eg`gd knfafdb Bs`gd egpgu dkdikybnga sgu{ cgyg pkyik`gajgga

rgam igbn ega pygnubng` ugapg dkarkiginga iky`gn{arg bah`gsb ega pkdigzbyga!

Skng`b m{s pka{`bsga bab egpgu dkdikybnga sgu{ pgae{ga nkpgeg pkamm{ag

d{s`bd {au{n ikybigegu nkpgeg G``gl s!}!u dk`g`{b pkamm{agga igygamga ega

pkynlbedguga rgam dkykng m{agnga eg`gd nklbe{pga sklgybga! Nkpkamm{agga

ubegn eb`blgu skigmgb b`d{ rgam ukypbsgl ekamga bekf`fmb ega gnbegl Bs`gd bu{

skaebyb! Bs`gd skigmgb sgu{ sbsukd lbe{p rgam dkark`{y{l ubegn dkaghbngankpkaubamga b`d{ nkpkamm{agga ukugpb dksub`gl iky`gaegsnga sbsukd knfafdb

Bs`gd skyug nku{ae{nnga nkpgeg sbsukd G``gl s!}!u!


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7!? _kaegl{`{ga_kamm{agga ikyngbu ygpgu ekamga pkysfg`ga pkygacgamga pkyik`gajgga bsb y{dgl

eg`gd dkdka{lb nkpky`{ga lbe{p sgdg geg pkyik`gajgga {au{n igygamga gug{

pkynlbedguga rgam ukyegpgu eg`gd pgsgyga! F`kl bu{ nkpky`{ga$nkpky`{ga gsgs

skpkyub dgngaga dba{dga pgngbga ukdpgu ubammg` nkaekygga pkamgamn{uga

pkaebebnga ega skigmgbarg dkajgeb dgu`gdgu pkamm{agga skubgp bsb y{dgl! ,]ga

Sgiyb : 7228"!

_ky{au{nga pkyik`gajgga ega cfygn pkyik`gajgga bsb y{dgl igargn ebpkamgy{lb

f`kl jkabs igygamga ega nkdgdp{ga n{gsg ik`b rgam geg pgeg dkykng! _kamm{ag

gnga dkdi{gu nkp{u{sga {au{n dkdik`gajgnga pkaegpguga dkykng sgdg geg

{au{n igygam dk}gl igygam ibgsg gug{ igygam ig}gl! I{nubarg pkabamnguga

knfafdb gnga u{y{u dkabamngunga nkdgdp{ga ega nk{pgrgga pkamm{ag {au{n

dkdik`b `kibl igargn igygamga ega pkynlbedguga! ,Afygbab : 7228"!

Skiglgmbga iksgy pkaegpguga gnga ebpky{au{nnga {au{n dkaegpgunga igygam

nkpky`{ga gsgs rgam dgag pkamm{aggaarg ikygeg pgeg lbkygynb pkydbaugga rgam

ukyubammb nkygag pybasbp dkdka{lb nkpky`{ga `kibl {ugdg egybpgeg dkd{gsnga

nklkaegn rgam dky{pgnga fijknubh gnubxbub knfafdb! Dgng nkskd{g ikau{n

pkyik`gajgga pkamm{agga eg`gd knfafdb pky`{ ebygacgam skigbn$igbnarg!

Nkmgmg`ga dkygacgam pkyik`gajgga ekamga ibjgn igng` dkam{aegam pk`igmgb

dgsg`gl sfsbf knfafdb! F`kl bu{ skd{g bsb y{dgl lgy{s dkdi{gu pkyubdigamga

eg`gd pkyik`gajggaarg {au{n hgkegl jgamng pgajgam ega hgkegl jgamng pkaekn!

,]ga Sgiyb : 7228"!

Nbug j{mg lgy{s dkarkegyb iglg}g mk`gmgu baebxbe{ skigmgb pkamm{ag dkdikyb

nksga i{nga lgarg nkpgeg ebyb ega gl`b nk`{gymg nbug sglgjg iglnga j{mg nkpgeg

nksugib`ga knfafdb akmgyg! Cfauflarg pkyik`gajgga rgam ubegn ukyng}g`

uky{ugdg dk`g`{b pbajgdga ega pkamm{agga nge nykebu gnga dkagdigl ikiga


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l{ugam ega dkabamngunga ngegy bah`gsb nk`{gymg ega akmgyg! ,Afygbab : 7228"!

J{suky{ bu{ skubgp pkamm{ag nl{s{sarg pkamm{ag d{s`bd dksub`gl dkdgu{lb

mgybs pgae{ga gug{ kubng pkamm{agga rgam uk`gl ebukugpnga f`kl Bs`gd

uky{ugdgarg eg`gd pkamm{agga igygamga nkpky`{ga! Gaugygarg bg`gl dkamgdib`

nbyg gspkn lg`g` nk{ugdgga sks{gu{ igygam nkikysblga nks{cbga nkskekylgagga

ubegn ifyfs gug{ dkdigzby eb sgdpbam dkamgdg`nga sbhgu$sbhgu ega gnl`gn rgam

ukyp{jb! Dgng pkamm{ag d{s`bd pky`{`gl dkdglgdb nfaskp pkamm{agga Bs`gd

rgam skikagyarg! Skuky{sarg dgdp{ dkab`gb skyug dkakpgub egsgy$egsgy

pkamm{agga Bs`gd!

9!? Nfaskp _kamm{agga

9!7 _kaegl{`{ga

Nkmbguga knfafdb ikymkygn dkambn{u dgu`gdgu$dgu`gdgu baebxbe{ knfafdb rgam

uk`gl ebukugpnga! ]g`g{p{a pgeg zglbyarg geg pkyikegga gaugyg skskfygam

baebxbe{ ekamga baebxbe{ knfafdb rgam `gba agd{a pgeg gsgsargikydgu`gdgunga nkskjglukygga! Geg baebxbe{ knfafdb dkdkaubamnga

nkskjglukygga ebyb dk`g`{b pkdgnsbd{dga nkp{gsga skyug nk{au{amga igmb

pkamm{ag ega pkamk`{gy! Dkykng ikyubaegn dkambn{u nkdgdp{ga ega

pkyubdigamga skaebyb gsg`nga nklkaegn dkykng egpgu ebpka{lb! Ubegn egpgu

ebaghbnga iglg}g geg j{mg pblgn rgam dkdkaubamnga nkskjglukygga g}gd!

Dbsg`arg pkdkybaugl rgam ikyubaegn skigmgb pkamg}g` pkdgae{ ega pkammg`gn

s{pgrg nkskjglukygga baebxbe{ ega g}gd egpgu ikyjg`ga skbybamga!

]g`g{ igmgbdgagp{a eg`gd sbsukd rgam ikysbhgu ufug``r cf``kcubxbske skpkyub

sbsukd pgsgyga ikigs ngpbug`bs pgsgyga ukugp dkajgeb n{acb {ugdg eg`gddkakau{nga nkpky`{ga$nkpky`{ga eg`gd gspkn pkamm{agga! _kamm{agga p{`g

ikyngbu ygpgu ekamga pkydbaugga skpkyub j{mg pkamk`{gyga ega pkag}gyga!


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_kaefyfam {ugdg nkmbguga knfafdb skskfygam pkamm{ag bg`gl nklkaegnarg

sgdg geg {au{n dgsg nbab gug{p{a {au{n dgsg ekpga! _kamm{agga i{nga sglgjg

dkammg`gnnga baebxbe{ dkdik`gajgnga pkaegpgugaarg ukugpb bg j{mg

dkaefyfamarg {au{n dkabamngunga `gmb pkaegpguga ukyski{u ,D! Gie! Dgaga:

72


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9!3 Hg`sghgl _kamm{agga

_kamm{agga eg`gd lbkygynb igygamga ega pkynlbedguga dky{pgnga pkybamngu

ukygnlby sk`kpgs gnubxbub pkamk`{gyga ega pkamgmblga! Gnubxbub pkamk`{gyga geg`gl

skdgug$dgug {au{n u{j{ga pkamm{agga! Ugapg }{j{earg pkamm{agga nk gugs

sks{gu{ igygamga ubegn d{amnba pkamk`{gyga gnga eb`gn{nga! Ikikygpg hg`sghgl

pkamm{agga uk`gl ebikau{n {au{n dkdikybnga mgybs pgae{ga nkpgeg skubgp

baebxbe{ knfafdb Bs`gd bgbu{:$

9!3!7 Nkdgs`glguga

Nkpky`{ga dga{sbg ukylgegp igygamga ega pkynlbedguga i{nga skdgug$dgug

ikygsgsnga nklkaegn rgam ubegn ukyigugs ukugpb `kibl nkpgeg nkpky`{ga skikagy

ikygsgsnga dgs`glgl! Dka{y{u Bdgd g`$Srgubib ukyegpgu `bdg pkyngyg rgam

pg`bam gsgs rgam dksub ebjgmg f`kl skubgp baebxbe{ bgbu{ arg}g gmgdg gng` lgyug

ega nku{y{aga! Skd{g igygamga ega pkynlbedguga dkdp{argb dgs`glgl {au{n

dkajgmg `bdg pkyngyg ukyski{u skyug dky{pgnga nkpky`{ga nkpgeg dga{sbg ega

ebgammgp skigmgb igygamga pky`{ {au{n pkamm{agga ,Sgbh{` Gzlgy Yfs`r : 72


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dkam{gsgb ugapg skigygam mgamm{ga! Ikigs dkamknsp`fbugsbngaarg sk`gdg ubgeg

lg`gamga srgygn! Sgdg`gl nke{e{nga pkamm{ag rgam ubegn dkdp{argb lgn

pkdb`bnga {au{n dk`gnsgagnga pkamm{agga sgdg geg {au{n ebyb skaebyb ega

fygam `gba! Lgn pkdb`bnga j{mg ugaeg pkamgn{ga Bs`gd ukylgegp hbuygl skd{`gjgeb

dga{sbg {au{n dkdb`bnb lgyug ega bamba dkamm{agngaarg! Lgyug rgam ebpkyf`klb

ebbnubygh skigmgb lgn db`bnarg iglnga Bs`gd j{mg dkarkebgnga {aegam${aegam

{au{n dk`bae{amb sks{gu{ pkdb`bnga pkamm{ag skigmgbdgag hbydga G``gl:

Ukyjkdglga:

Ega fygam `k`gnb rgam dkac{yb ega fygam pkykdp{ga rgam dkac{yb dgng

,l{n{darg" pfufam`gl ugamga dkykng skigmgb sgu{ ig`gsga ekamga skigi gpg

rgam dkykng uk`gl {sglgnga ,j{mg skigmgb" s{gu{ l{n{dga pkackmgl egyb G``gl!

ega ,bamgu`gl" G``gl Dglg N{gsg `gmb Dglg Ibjgnsgag!

S{ygl g`$Dgbegl ;: 3 ega Ebg `gl rgam dkacbpugnga ubgp$ubgp sks{gu{ `g`{

dkakau{nga nkgegga dgnl`{n$dgnl`{n bu{ ekamga nkukau{ga ugneby rgam

skdp{yag!

S{ygl g` H{ywga 95 : 9

Eg`gd grgu rgam gba G``gl s!}!u ikyhbydga:

Ukyjkdglga:

Ega ,bamgu`gl" ikygpg igargn ibagugam rgam ubegn dkdig}g ykzknbarg

ikysgdg G``gl j{g`gl rgam dkdikyb ykzknb nkpgegarg ega nkpgeg ngd{> ega

Ebg `gl j{g Rgam Dglg Dkaekamgy `gmb Dglg Dkamkugl{b!

S{ygl g`$Gangi{u 92:8?

Bab jk`gs knfafdb Bs`gd dkaf`gn sgdg skng`b gaegbga pkydgsg`glga knfafdbebngbunga ukylgearg s{diky$s{diky knfafdb! _fnfnarg pkysfg`ga bsub`gl

nklkaegn gug{ nkbambaga ebmgdigynga skigmgb nkpky`{ga eg`gd knfafdb

nfaxkasbfag`! Ybclgye M! @bpskr dbsg`arg eg`gd u{`bsga `kibl igargn

dkam{`gam pkyngugga nkbambaga ,eksbyk" ega nklkaegn ,}gaus"! _kyngugga

nkpky`{ga ,akkes" jgygam ebm{agnga , Ybclgye M! @bpskr :72


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Gdgsg ]g`nky eg`gd Ulk Scbkack fh]kg`ul g Dga{g` fh _f`bubcg` Kcfafdr

nkubng dkdikyb mgdigyga ukaugam ebsbp`ba knfafdb rgam egl{`{arg ebnkag`b

skigmgb knfafdb pf`bubn dkargugnga:

Knfafdb pf`bubn dkamgjgy l{i{amga dga{sbg ukylgegp pkyngyg$

pkyngyg rgam ebnklkaegnbarg! _kyngyg$pkyngyg bab lgarg if`kl

ebpkyf`klb dk`g`{b {sglgarg skaebyb! Dga{sbg dkdp{argb nklkaegn:

ebg pky`{ nkpgeg dgngaga pgngbga ega ukdpgu nkebgdga> ebg j{mg

ikynklkaegnnga nkpgeg igargn pkyngyg rgam ubegn pkaubam eg`gd

lbe{parg! Eg`gd pkyspknubh knfafdb pf`bubn skd{g pkyngyg$pkyngyg

bab dkdikau{n nklkaegnarg

,Gdgsg ]g`nky : 7


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Ukyjkdglga:

]glgb skng`bga dga{sbg' Dgnga`gl egyb gpg rgam geg eb i{db rgam lg`g` `gmb

igbn ega jgamga`gl ngd{ bn{u jkjgn `gamngl srgbuga> nkygag sks{amm{larg

srgbuga bu{ bg`gl d{s{l rgam ukygam argug igmb ngd{

S{ygl g`$Igwgygl ,9": 78 nkygag sks{amm{larg G``gl dkamgsblb

fygam$fygam rgam iky{sglg dkdpkyigbnb gdg`gaarg!

S{ygl g`$Igwgygl 9 : 725

_kybaugl bab ebargugnga eg`gd Hbdga G``gl s!}!u :

Ukyjkdglga:

Ega dkamgpg ngd{ ubegn dkdik`gajgnga lgyug ikaeg ngd{ pgeg jg`ga G``gl6

_geglg` G``gl j{g`gl rgam dk}gybsb `gambu ega i{db ,skyug skmg`g bsbarg"!

Ubegn`gl sgdg eb gaugyg ngd{ fygam$fygam rgam dkdik`gajgnga lgyugarg

skyug u{y{u ikypkygam skik`{d nkdkagamga ,Agib dkam{gsgb Dkngl"! Dkykng


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