{"id":10531,"date":"2012-10-03T00:12:33","date_gmt":"2012-10-02T16:12:33","guid":{"rendered":"http:\/\/buletinonline.net\/v7\/index.php\/2012\/10\/belanjawan-berhutang-bercanggah-prinsip-ekonomi-islam\/"},"modified":"2012-10-03T00:12:33","modified_gmt":"2012-10-02T16:12:33","slug":"belanjawan-berhutang-bercanggah-prinsip-ekonomi-islam","status":"publish","type":"post","link":"https:\/\/buletinonlines.net\/v7\/index.php\/belanjawan-berhutang-bercanggah-prinsip-ekonomi-islam\/","title":{"rendered":"Belanjawan Berhutang Bercanggah Prinsip Ekonomi Islam"},"content":{"rendered":"<p style=\"text-align: left;\"><img decoding=\"async\" class=\"decoded\" src=\"https:\/\/buletinonline.net\/v7\/wp-content\/uploads\/2012\/09\/atTakiri.jpg\" border=\"0\" alt=\"http:\/\/www.buletinonline.net\/images\/stories\/aberita4\/atTakiri.jpg\" width=\"480\" height=\"310\" style=\"float: left; margin: 7px;\" \/>Merangka perbelanjaan di luar batas  pendapatan sehingga berlakunya tunggakan hutang negara adalah \u00a0bajet  defisit yang bercanggah dengan prinsip ekonomi Islam. Dalilnya ialah  firman Allah dalam surah al-Talaq ayat 7 :<\/p>\n<div style=\"text-align: left;\">\u0644\u0650\u064a\u064f\u0646\u0652\u0641\u0650\u0642\u0652 \u0630\u064f\u0648 \u0633\u064e\u0639\u064e\u0629\u064d \u0645\u0650\u0646\u0652 \u0633\u064e\u0639\u064e\u062a\u0650\u0647\u0650  \u0648\u064e\u0645\u064e\u0646\u0652 \u0642\u064f\u062f\u0650\u0631\u064e \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0631\u0650\u0632\u0652\u0642\u064f\u0647\u064f \u0641\u064e\u0644\u0652\u064a\u064f\u0646\u0652\u0641\u0650\u0642\u0652 \u0645\u0650\u0645\u064e\u0651\u0627 \u0622\u062a\u064e\u0627\u0647\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0644\u0627  \u064a\u064f\u0643\u064e\u0644\u0650\u0651\u0641\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0646\u064e\u0641\u0652\u0633\u064b\u0627 \u0625\u0650\u0644\u0627 \u0645\u064e\u0627 \u0622\u062a\u064e\u0627\u0647\u064e\u0627 \u0633\u064e\u064a\u064e\u062c\u0652\u0639\u064e\u0644\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0628\u064e\u0639\u0652\u062f\u064e  \u0639\u064f\u0633\u0652\u0631\u064d \u064a\u064f\u0633\u0652\u0631\u064b\u0627 } \u0627\u0644\u0637\u0644\u0627\u0642:7<\/div>\n<p style=\"text-align: left;\">Bermaksud: &#8221; hendaklah berbelanja orang  yang berkelapangan daripada kelapangannya dan sesiapa yang disempitkan  rezkinya maka hendaklah dia berbelanja daripada apa yang diberikan oleh  Allah. Allah tidak membebankan seseorang melainkan apa yang  diberikannya.&#8221;<\/p>\n<p style=\"text-align: left;\">Selama berbelas tahun sebelum ini bajet  defisit dan laporan kewangan menyaksikan hutang negara yang semakin  meningkat. Tunggakan hutang \u00a0 apatah lagi apabila melibatkan negara  sangat dibimbangi mendedahkan negara dan kerajaan kepada penguasaan  pihak asing. Justeru itu, Nabi Muhammad SAW berdoa<\/p>\n<p style=\"text-align: left;\">\u0627\u0644\u0644\u0647\u0645 \u0627\u0646\u064a \u0627\u0639\u0648\u0630 \u0628\u0643 \u0645\u0646 \u063a\u0644\u0628\u0647 \u0627\u0644\u062f\u064a\u0646 \u0648\u0642\u0647\u0631 \u0627\u0644\u0631\u062c\u0627\u0644<\/p>\n<div style=\"text-align: left;\">Bermaksud :<\/div>\n<p style=\"text-align: left;\">Ya Allah, sesungguhnya saya berlindung dengan kamu daripada dikelilingi hutang dan daripada penguasaan manusia-manusia lain<\/p>\n<div style=\"text-align: left;\">Pada 28 September yang lalu YAB PM  selaku Menteri Kewangan telah membentangkan bajet untuk tahun 2013.  Sejam selepas itu dan hari berikutnya segunung pujian diberikan kepada  Kerajaan pimpinan YAB Dato\u2019 Seri Najib. Kenyataan seperti \u2018mesra  rakyat\u2019, menyeluruh, prihatin, cakna dan segala pujian yang baik  dihamburkan oleh pakar-pakar ekonomi termasuk profesor-profesor yang  dianggap berkelayakan dan mempunyai autoriti dalam memberikan pendapat  berkenaan dengan ekonomi.<\/div>\n<p style=\"text-align: left;\">Malangnya setiap tahun pujian demi pujian sedangkan hutang makin  bertambah sudah hampir belasan tahun. Ini bermakna secara mudahnya  pemikiran pembuat bajet lebih kepada menambah hutang bukan ingin  membayar hutang. Bahasa yang mudah ekonomi kita tenat dan makin tenat.<\/p>\n<div style=\"text-align: left;\">Kami kemukakan di sini beberapa noktah agar mudah difahami berkenaan dengan bajet yang baru dibentangkan baru-baru ini:<\/div>\n<p style=\"text-align: left;\">\u2022 Kadar hutang negara makin bertambah.  Ketua Menteri Pulau Pinang mengulas belanja tahun lepas mencecah RM 20  bilion. Hutang naik RM 456 bilion. Sekarang hutang sudah menjadi RM 502  bilion. Semasa pembentangan tiada disentuh langsung oleh pembentang  untuk melunas dan melangsaikan hutang. Begitu juga seolah-olah angka  hutang dibiarkan \u2018tersilent\u2019. Sedangkan angkanya bertambah dari tahun ke  tahun dan mengikut statistik terkini hampir menuju ke tahap yang  dibenarkan. Jika melebihinya akan menuju kepada muflis. Inilah yang  sepatutnya difikirkan oleh pemimpin utama negara supaya tidak terjerumus  ke gaung bangkrap seperti yang berlaku di Greece.<\/p>\n<div style=\"text-align: left;\">\u2022 Bajet hutang. Sebuah negara yang  mengamalkan hutang sehingga menjadi kemestian mengingatkan kita falsafah  karut \u2018biar papa asal bergaya\u2019. Bayangkan satu keluarga yang mempunyai  pendapatan RM4 ribu sebulan, tetapi setiap bulan perbelanjaannya 5 ribu  sebulan dengan pelbagai aksesori dan keperluan yang tidak diperlukan  sangat. Apa kata kita terhadap keluarga tersebut? Jawapannya kita hilang  respek atau penghormatan dan nampak betapa keluarga tersebut gagal  menguruskan ekonominya sendiri. Kita akan katakan kepadanya: Hai saudara  ukurlah baju dibadan sendiri. Inilah yang terjadi kepada negara kita.  Hutang, hutang, hutang dan hutang\u2026.<\/div>\n<p style=\"text-align: left;\">\u2022 Semangat membayar hutang. Sejauh mana  prihatinnya kerajaan dalam membayar hutang sama ada pokok atau bunga  (ini kerana dasar ekonomi yang masih terbelenggu dengan sistem ribawi).  Berdasarkan setiap kali belanjawan dibentangkan sudah hampir 14 tahun,  sentiasa menambahkan hutang. Inilah penyakit dalam pemikiran pemimpin  seperti \u2018Pak Pandir\u2019 yang berkata: \u2018Bukan anak aku sahaja yang mati.\u2019  Justeru, samalah seperti katanya: Bukan aku sahaja yang berhutang tetapi  yang terdahulu pun berhutang. Soalnya bila mahu bayar hutang???  Kalaulah rakyat marahen yang berhutang 10-15 ribu untuk PTPTN, pembelian  motorsikal yang lambat bayar sudah pasti bank-bank mengejarnya hingga  ke lubang cacing. Justeru, alangkah gembiranya rakyat jika dalam bajet  dari tahun ke setahun sentiasa diumumkan pembayaran hutang melebihi dari  berhutang seperti kata Menteri kewangan yang akan datang: \u201cTahun ini  kita telah melangsaikan 40 bilion hutang negara. Begitulah setiap tahun  yang menunjukkan komited dan \u2018kebertanggungjawaban pemimpin yang berada  di tampuk kuasa.\u201d<\/p>\n<div style=\"text-align: left;\">\u2022 Bajet tambahan. Hampir setiap tahun  kebelakangan ini akan dibentangkan bajet tambahan. Ini menandakan  bertambahnya hutang negara. Soalnya mana dia pakar-pakar ekonomi yang  begitu cerdik pandai, bertaraf profesor dan sentiasa menghadiri seminar  antarabangsa tetapi setiap kali diamanahkan menggubal bajet, angka-angka  yang besar dalam bajet tambahan menunjukkan jangkaan amat meleset.<\/div>\n<p style=\"text-align: left;\">Sudah sampai masanya sebuah keinsafan  dipamerkan dalam hati yang takutkan Allah untuk menggubal dan melaksana  bajet agar ia benar-benar memberi manfaat semaksimum mungkin kepada  rakyat jelata dan negara.<\/p>\n<div style=\"text-align: left;\">\u2022 Mencontohi bajet berhemah Khalifah  Umar bin Abdul Aziz. Sudah sampai masanya pemimpin negara merujuk kepada  dasar-dasar ekonomi khalifah Islam yang berjaya seperti Khalifah Umar  bin Abdul Aziz yang mencatatkan kemasukan harta negara yang melimpah  ruah sehingga boleh membantu pelbagai lapisan masyarakat dan rakyat.  Hinggakan yang ingin berkahwin pun dapat dibantu. Inilah yang kita  dambakan. Pastikan negara sifar hutang bahkan mampu memberi hutang dan  membantu negara Islam yang lain.<\/div>\n<p style=\"text-align: left;\">Semoga bajet yang akan dibentangkan pada  tahun hadapan dan seterusnya adalah bajet yang boleh membayar hutang  dan melangsaikannya. Dengan iman dan takwa kita yakin pasti boleh kerana  janji Allah akan membuka keberkatan-keberkatan daripada langit dan  bumi.<\/p>\n<div style=\"text-align: left;\"><strong>Ustaz Dr Mohd Khairuddin A. Razali<\/strong><\/div>\n<div style=\"text-align: left;\"><strong>Setiausaha Dewan Ulamak PAS Pusat<\/strong><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Merangka perbelanjaan di luar batas pendapatan sehingga berlakunya tunggakan hutang negara adalah \u00a0bajet defisit yang bercanggah dengan prinsip ekonomi Islam. Dalilnya ialah firman Allah dalam surah al-Talaq ayat 7 : \u0644\u0650\u064a\u064f\u0646\u0652\u0641\u0650\u0642\u0652 \u0630\u064f\u0648 \u0633\u064e\u0639\u064e\u0629\u064d \u0645\u0650\u0646\u0652 \u0633\u064e\u0639\u064e\u062a\u0650\u0647\u0650 \u0648\u064e\u0645\u064e\u0646\u0652 \u0642\u064f\u062f\u0650\u0631\u064e \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0631\u0650\u0632\u0652\u0642\u064f\u0647\u064f \u0641\u064e\u0644\u0652\u064a\u064f\u0646\u0652\u0641\u0650\u0642\u0652 \u0645\u0650\u0645\u064e\u0651\u0627 \u0622\u062a\u064e\u0627\u0647\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0644\u0627 \u064a\u064f\u0643\u064e\u0644\u0650\u0651\u0641\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0646\u064e\u0641\u0652\u0633\u064b\u0627 \u0625\u0650\u0644\u0627 \u0645\u064e\u0627 \u0622\u062a\u064e\u0627\u0647\u064e\u0627 \u0633\u064e\u064a\u064e\u062c\u0652\u0639\u064e\u0644\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0628\u064e\u0639\u0652\u062f\u064e \u0639\u064f\u0633\u0652\u0631\u064d \u064a\u064f\u0633\u0652\u0631\u064b\u0627 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10460,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[],"class_list":["post-10531","post","type-post","status-publish","format-standard","has-post-thumbnail","category-kenyataan-media"],"better_featured_image":{"id":10460,"alt_text":"http:\/\/www.buletinonline.net\/images\/stories\/aberita16\/atTakiri.jpg","caption":"","description":"","media_type":"image","media_details":{"width":640,"height":448,"file":"2012\/09\/atTakiri.jpg","filesize":34632,"sizes":{},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1","keywords":[]}},"post":11720,"source_url":"https:\/\/buletinonlines.net\/v7\/wp-content\/uploads\/2012\/09\/atTakiri.jpg"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Belanjawan Berhutang Bercanggah Prinsip Ekonomi Islam | Buletinonlines.net<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/buletinonlines.net\/v7\/index.php\/belanjawan-berhutang-bercanggah-prinsip-ekonomi-islam\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Belanjawan Berhutang Bercanggah Prinsip Ekonomi Islam | Buletinonlines.net\" \/>\n<meta property=\"og:description\" content=\"Merangka perbelanjaan di luar batas pendapatan sehingga berlakunya tunggakan hutang negara adalah \u00a0bajet defisit yang bercanggah dengan prinsip ekonomi Islam. Dalilnya ialah firman Allah dalam surah al-Talaq ayat 7 : \u0644\u0650\u064a\u064f\u0646\u0652\u0641\u0650\u0642\u0652 \u0630\u064f\u0648 \u0633\u064e\u0639\u064e\u0629\u064d \u0645\u0650\u0646\u0652 \u0633\u064e\u0639\u064e\u062a\u0650\u0647\u0650 \u0648\u064e\u0645\u064e\u0646\u0652 \u0642\u064f\u062f\u0650\u0631\u064e \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0631\u0650\u0632\u0652\u0642\u064f\u0647\u064f \u0641\u064e\u0644\u0652\u064a\u064f\u0646\u0652\u0641\u0650\u0642\u0652 \u0645\u0650\u0645\u064e\u0651\u0627 \u0622\u062a\u064e\u0627\u0647\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0644\u0627 \u064a\u064f\u0643\u064e\u0644\u0650\u0651\u0641\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0646\u064e\u0641\u0652\u0633\u064b\u0627 \u0625\u0650\u0644\u0627 \u0645\u064e\u0627 \u0622\u062a\u064e\u0627\u0647\u064e\u0627 \u0633\u064e\u064a\u064e\u062c\u0652\u0639\u064e\u0644\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0628\u064e\u0639\u0652\u062f\u064e 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