A man of 92 years, short, very well-presented, who takes great care in
his appearance, is moving into an old people's home today. His wife of
70 has recently died, and he is obliged to donate his home for orphan house.

After waiting several hours in the retirement home lobby, he gently
smiles as he is told that his room is ready. As he slowly walks to the
elevator, using his cane, I described his small room to him, including
the sheet hung at the window which serves as a curtain.

"I like it very much", he said, with the enthusiasm of an 8 year old boy
who has just been given a new puppy.

"Sir, you haven't even seen the room yet." I wonderingly asked.

"That has nothing to do with it", he replied.

"Happiness is something I choose in advance.

Whether or not I like the room does not depend on the furniture, or the
decor rather it depends on how I decide to see it & how I look at it."

"It is already decided in my mind that I like my room. It is a decision
I take every morning when I wake up."

"I can choose. I can spend my day in bed enumerating all the
difficulties that I have with the parts of my body that no longer work
very well, or I can get up and give thanks to heaven for those parts
that are still in working order."

"Every day is a gift, and as long as I can open my eyes, I will focus on
the new day, and all the happy memories that I have built up during my
life."

From A School Principal's speech at a graduation...

He said "Doctor wants his child to become a doctor...
Engineer wants his child to become engineer...
Businessman wants his ward to become CEO...
BUT a teacher also wants his child to become one of them!
Nobody wants to become a teacher BY CHOICE"... Very sad but that's the truth!

The dinner guests were sitting around the table discussing life. One man, a CEO, decided to explain the problem with education. He argued, "What's a kid going to learn from someone who decided his best option in life was to become a teacher?"

To stress his point he said to another guest;
"You're a teacher, Bonnie. Be honest. What do you make?"

Teacher Bonnie, who had a reputation for honesty and frankness replied,
"You want to know what I make?
(She paused for a second, then began...)

"Well, I make kids work harder than they ever thought they could.

I make a C+ feel like the Congressional Medal of Honor winner.

I make kids sit through 40 minutes of class time when their parents can't
make them sit for 5 min. without an I Pod, Game Cube or movie rental.

You want to know what I make?
(She paused again and looked at each and every person at the table)

I make kids wonder.

I make them question.

I make them apologize and mean it.

I make them have respect and take responsibility for their actions.

I teach them how to write and then I make them write.
Keyboarding isn't everything.

I make them read, read, read.

I make them show all their work in math.
They use their God given brain, not the man-made calculator.

I make my students from other countries learn everything they need to know about English while preserving their unique cultural identity.

I make my classroom a place where all my students feel safe.

Finally, I make them understand that if they use the gifts they were given, work hard, and follow their hearts, they can succeed in life

( Bonnie paused one last time and then continued...)

Then, when people try to judge me by what I make, with me knowing money isn't everything, I can hold my head up high and pay no attention because they are ignorant. You want to know what I make?

I MAKE A DIFFERENCE IN ALL YOUR LIVES,EDUCATING KIDS AND PREPARING THEM TO BECOME CEO's ,AND DOCTORS AND ENGINEERS...

What do you make Mr. CEO?

His jaw dropped; he went silent.

On His First Day In office
As President Abraham Lincoln Entered To Give His Inaugural Address, One
Man Stood Up, he Was A Rich Aristocrat.

He Said,

"Mr Lincoln, You Should Not Forget That Your Father Used To make Shoes
For My Family"
And The Whole Senate Laughed, They Thought They Had Made A Fool Of Lincoln.
But Certain People Are Made Of A Totally Different Mettle.

Lincoln Looked At The Man Directly In the Eyes And Said

"Sir, I Know That My father Used To Make Shoes For Your Family,
And There Will Be Many Others Here,
Because He made Shoes The Way Nobody Else Can.
He Was A Creator.
His Shoes Were Not Just Shoes
He Poured His Whole Soul Into Them.
I Want To Ask You,
Have You Any Complaint??
Because I Know How To Make Shoes Myself.
If You Have Any Complaint I Can Make You Another Pair Of Shoes.
But As Far As I Know,
Nobody Has Ever Complained About My Father's Shoes.
He Was A Genius,
A Great Creator
And
I Proud Of My Father.
The Whole Senate Was Struck Dumb
They Could Not Understand What Kind Of Man Abraham Lincoln Was.
He Was Proud Because His Father Did His Job So Well That Not Even A
Single Complaint Had Ever Been Heard

"Remember"
"No One Can Hurt Us Without Consent"

"It is Not What Happens To us That Hurts Us
It Is Our Response That Hurt Us"

FATWA
DEWAN SYARI’AH NASIONAL
NO: 28/DSN-MUI/III/2002
Tentang
JUAL BELI MATA UANG (AL-SHARF)

---

Menimbang :
Mengingat :
Memperhatikan :
MEMUTUSKAN :
Menetapkan : FATWA TENTANG JUAL BELI MATA UANG (AL-SHARF)

Pertama : Ketentuan Umum:
Transaksi jual beli mata uang pada prinsipnya boleh dengan ketentuan sebagai berikut:

1. Tidak untuk spekulasi (untung-untungan)
2. Ada kebutuhan transaksi atau untuk berjaga-jaga (simpanan)
3. Apabila transaksi dilakukan terhadap mata uang sejenis maka nilainya harus sama dan secara tunai (at-taqabudh).
4. Apabila berlainan jenis maka harus dilakukan dengan nilai tukar (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.

Kedua : Jenis-jenis Transaksi Valuta Asing

1. Transaksi Spot, yaitu transaksi pembelian dan penjualan valuta asing (valas) untuk penyerahan pada saat itu (over the counter) atau penyelesaiannya paling lambat dalam jangka waktu dua hari. Hukumnya adalah boleh, karena dianggap tunai, sedangkan waktu dua hari dianggap sebagai proses penyelesaian yang tidak bisa dihindari (ِمَّما لاَ ُبَّد مِنْهُ) dan merupakan transaksi internasional.
2. Transaksi Forward, yaitu transaksi pembelian dan penjualan valas yang nilainya ditetapkan pada saat sekarang dan diberlakukan untuk waktu yang akan datang, antara 2 x 24 jam sampai dengan satu tahun. Hukumnya adalah haram, karena harga yang digunakan adalah harga yang diperjanjikan (muwa’adah) dan penyerahannya dilakukan di kemudian hari, padahal harga pada waktu penyerahan tersebut belum tentu sama dengan nilai yang disepakati, kecuali dilakukan dalam bentuk forward agreement untuk kebutuhan yang tidak dapat dihindari (lil hajah).
3. Transaksi Swap, yaitu suatu kontrak pembelian atau penjualan valas dengan harga spot yang dikombinasikan dengan pembelian antara penjualan valas yang sama dengan harga forward. Hukumnya haram, karena mengandung unsur maisir (spekulasi).
4. Transaksi Option, yaitu kontrak untuk memperoleh hak dalam rangka membeli atau hak untuk menjual yang tidak harus dilakukan atas sejumlah unit valuta asing pada harga dan jangka waktu atau tanggal akhir tertentu. Hukumnya haram, karena mengandung unsur maisir (spekulasi).

Ketiga :
Fatwa ini berlaku sejak tanggal ditetapkan dengan ketentuan jika di kemudian hari ternyata terdapat kekeliruan, akan diubah dan disempurnakan sebagaimana mestinya.
Ditetapkan di : Jakarta
Tanggal :  14 Muharram 1423 H / 28 Maret 2002 M