0 Muhammad The Real Enterprenuer

Muhammad, by hearing this name what comes to mind Muslims. Arabian Peninsula is a very affluent area and luxurious (the source of Strabo Eratosthenes). Arabic is the country where the growth of plants fragrances and other spices; people love and enjoy the freedom and independent character of this highly admired oeh Western nations. This does not ditunujukkan with dutanya sent to Alexander, who has a plan to make the central Arabian kingdom. The Arabs called their business so there are many business centers and markets advanced form of a regional economic standing then many of the kingdoms of the ruling as the ruling Nabasia between Egypt and Mesopotamia region. The market economy is central to the very influential in economic development and a country. The Arab market in old age is a gathering place for caravans of traders and artisans. These markets, such as: Busra markets located in countries Sham, Mushaqqar market, once the capital of the Arab kingdom and there is also a great heritage of a mosque yatiu Hadrat Umar ibn al-Khattab, and market-Jandal is located Dumatul desert Sham Damascus position in the region Dumatul Jandal Kingdom of Saudi Arabia. This area is known for the arms industry, stone carvings, and carpets and also an important area of agriculture in Saudi Arabia. And many other markets that are in the Arabian Peninsula and the economic pulse Arab bangasa.
Arab nations also known as nomadic peoples (badawah) that because life is often the case a war between duku or tribes to fight the water, fields and rights to rumout herding. But all that changed around the sixth century, an opportunity emerged as a result of the transportation revolution. The Bedouin create untu menungkinkan saddle-camels carrying loads much more, traders from India, East Africa, Yemen, and Bahrain began to replace the mule trains them with the camels, which can last for days without water and very suitable for crossing the desert. So, alaih-over to avoid the Arab country, the foreign traders buying and selling luxury goods, incense, spices, ivory, wheat, diamonds, wood, cloth, and medicines; began directly to the Byzantines and across the field Syuirah steppe, employed to guard the Bedouin untu-camel, and guide them from one well to another well. And with the development of such a Mecca to stop for the caravan that moves to the north of this. Slowly and surely the Arabs of Mecca began to establish itself became an independent trader and can take over power trade in the region.


Muhammad, Entrepreneur Handal
In many studies that have been conducted and writings from various sources both classical writing or even good writing by writers of modern Muslim or non-Muslims have many called that Muhammad was a holy and without deceit in his life. But more than that of Muhammad Muhammad was a successful pengusah in the field of trade, because he is a businessman who always emphasize that a business is one way Fisabilillah jihad, or better known as the road Allah.dengan strategies to optimize existing resources . Because of his assets are capital or the means to worship. Thus, the property is not a goal but just one more tool to get closer to Allah SWT. In practice, Muhammad always puts kemashlahatan (good) for commodities trading and in every transaction with his customer. Muhammad's first use of our marketing strategy which many refer to as a modern marketing strategy. Ibn Umar, RA, he said: "Muhammad was asked about whether the business is best?" He replied, "Business person with his own hands and the trade fair" (Thabrani).
In business perdangannya Muhammad always a good resource to optimize the human resources or natural resources have to be processed into goods or people with high-quality and ability, and in employing people memperkaerjakan people Rosuluulah always best to conduct rigorous selection to promote the values of religion, namely piety and honesty. So no one if he often refuse people who applied for her job. In the development of human resources and the withdrawal belaiu always focused on the productivity performance. Thus the compensation (wages) can be done in a fair and equitable. Muhammad workers compensation for financial compensation and a non-fnansial. Compensation includes non-financial rewards from God and man. Compensation of the human form of career and social rewards which are often highly valued by employees. Career and social rewards including career development, security, career flexibility, praise, recognition and friendship. Sehinggan with such a system then there will always be improvement and development of human resources.
Muhammad trading system based on noble values that he embraced religion of Islam. So in any element of financial management is always based to kemashlahatan (good) and can help others. Muhammad's financial strategy aims to take advantage of the financial resources to support the business, both long term and short term. This financial strategy includes the elimination of interest (usury), speculation (gharar) and gambling (maisir) in all transactions, kekeyaan improvement of income distribution and equity and the achievement of a prosperous society under the protection of Allah SWT. The principles of business transactions include the principle of profit-sharing, buying and selling, renting beliefs and principles of virtue.
Marketing model, he was always polite and friendly to customers and of any transaction based solely on the honesty and love as love without any element of fraud with profanity, because Rusulullah hate it. Although the customer is rude to him, he still valid and remain gentle smile on his customers. His marketing strategy including market segmentation and market targeting, product strategy, pricing strategy, the strategy places, and promotion strategies. And for consumer product marketing, the primary segmentation variable is geographic segmentation, demographic segmentation, psychographic segmentation, behavior segmentation, and segmentation benefits. And to do it all he always malakukan observation that he can see their traditional consumer culture. Even in a history he knows customary dinner drink and a region, so that he can determine what items can be sold every place with the right and the right price too.

Book title : Muhammad Business strategy & Ethics
Writer : M. Suyanto
Publisher : Andi, Yogyakarta
Publish : I, 2008
Pages : 299 pages

0 Preemtive Strategy

Preemtive strategy similar to the generic strategy, but emphasize his superiority. This approach is oriented to the overall cost advantage and differentiation. Highlight the overall cost advantage is lower prices than competitors. Differentiation highlights the striking difference in the brand with the brand is not a superior competitor. Preemtive strategy is a smart strategy, because the highlight of superiority and a unique statement. This strategy was used because of superior benefits compared to competing products have only a small difference. Diekploitasi this difference so that the benefits of a product appear different from competitors' products. Thus, blocking a competitor to say the same. However, do not exaggerate the benefits of your product by saying things that are making it up, because it includes advertising sin (Eric Schulz, 2001).

Preemtive strategy used by Dove to show the superiority of its products Dove Silkening Body Lotion and Dove Cream Oil Shower. Skin like silk (silk) is the gold standard of skin conditions. Dove Supreme Silk contains perceive pure silk providing superior care compared with its competitors. Dove ads in Indonesia by using the execution witness evidence, namely Dove users to feel their softness. In this way, the Dove into the superior looks different than its competitors.

Visine eye drops are also using preemtive strategy. By using the "Getting the red out". And all the drugs designed to relieve eye redness in the eyes, but who started the ad is Visine. Consumers associate the drug that can eliminate eye redness is Visine, Visine has since made a dramatic statement. There is no other company that makes a statement like this, for fear of being called a plagiarist.
Kopi Kapal Api preemtive strategy in 1978, which is advertised in the Fire Ship Coffee TVRI using Paimo comedians such as advertising support. Strategy done because no one has done promotions via television. Whereas overseas has many food products, beverages at diklankan by television. The strategy is a good strategy, so as if there is no other coffee brand Kopi Kapal Api besides. Since then Kopi Kapal Api brand and grow its market melijit throughout the archipelago. Currently Fire Ship Coffee became the market leader for coffee products in Indonesia.

0 ENTREPRENEUR VIRUS

We have just discussed significant uproar-the virus that causes bird flu and its effects, but we rarely talk about the virus name virus entrepreneur. The virus must be injected entrepreneur since childhood to make the State of Indonesia is superior. If the virus is injected only 5% of the entire population of Indonesia and the virus could be 5% Entrepreneurs, Indonesia has more than Taiwan and Japan. Existing entrepreneurs in Taiwan is only 4.8% of the population, whereas in Japan reached 4% of the entire population. Indonesia, currently has only reached 1.2%, still less with the Philippines, which entrepreneurnya already reached 1.5% of the entire population. Education budget was said in 2006, has reached 20%, how beautiful part is used to inject the virus of this entrepreneur.

Genesis interesting, I experienced when my child was sick. I bought drugs at the drug store owned by my friend, who happened to his wife Tionghoa. When I was buying drugs at the drug store to my friend, I was made to ask, because dilemari-closet and the tables are full of these drugs have a different box, which turned out to contain several packs of cigarettes. "Mbak kok kok sampeyan drug sales are also selling cigarettes?". My friend's wife was smiling as he replied "Nah kok mas Yanto. This cigarette case was not me who has, but it is hers Diana ". Diana was the son who was still in Elementary school. That way the family business Tionghoa to teach her son since childhood. So when his son was great, I believe, he would be skilled in the business world. Because the business school since elementary school with a capital of the parent box containing cigarettes. Tionghoa our brother, has been used to inject the virus to her child entrepreneur since childhood, so naturally when the soul entrepreneurnya above average.

I am also grateful to God, was introduced by my grandmother's business since the third grade, which is selling kedondong. The injected virus entrepreneur my grandmother is a sweet memory that I can not forget and is the first step I know the business world. Like a car that suddenly silent running, and after running the car never stopped until now, until the car is stopped by the Creator. Experience teaches that the move was the first car is the most difficult, because the greatest resistance, so many people who do not want to move the car and let the car remained in place. But the car has been running its resistance is relatively small compared to the silent car. If the virus to move the car or the virus was injected entrepreneurs to children currently in school or college, hopefully, become the State of Indonesia is unmatchable in the world of business in this world

0 FISCAL POLICY ON THE RASULULLAH S.A.W. ERA

Messenger is the head of the first countries to introduce new concepts in the field of state finance in the seventh century collection of all the countries should be collected first and then issued in accordance with state requirements. Results collection is state owned and not owned by individuals. Nevertheless, state leaders and the governor can use it to cover his personal needs. Gathering place called Baitul Maal (house property) or the state treasurer. There are two policies that made the Messenger of Allah for economic development and increase employment participation and production. The first policy is to encourage people to start economic activities both within their own group as well as cooperation with other groups without paid Baitul Maal. The second policy is a policy and action that made the Messenger of Allah by removing the Baitul Maal funds.

The first policy adopted adalam Messenger aggregate demand to improve the Muslim community in Medina after the hijra is to bring together immigrants with Ansar. This agreement, which places each Ansar was responsible for civil Muhajirinnya, causing the distribution of income from the Ansar to immigrants. Because people have a tendency immigrants greater consumption than people Ansar, the distribution of income in this way has increased the total demand in Medina. Other policies implemented Prophet in Medina in the early era of Islam after the hijra is providing employment for those immigrants and increase national income by implementing Muslims contracts muzaraa, musaqat, and mudaraba and limited cooperation between immigrants who provide labor with Ansar who own agricultural land, plantations and savings. Imam Bukhari narrated as follows:

Upon arrival the immigrants in Medina, the Prophet unite Abdur Rahman bin Awf and Sa'd ibn ar-Rabi '. Then Sa'd ibn ar-Rabi 'said to' Abdur Rahman bin Auf, "I'm including the Ansar who had many possessions. Property that will share two, half for you and half for me. I have two wives, which one you look at the most interesting view. Mention his name, he will soon I'm divorced. After you iddahnya expired kupersilakan marry. "Abdur Rahman bin Auf said," May Allah bless your family and wealth. Just show me, where is your city market? ". Abdur Rahman bin 'Auf and indicated the market place Qainuqa Bani'. When he returned he was carrying wheat and Samin. So he tried, and so forth trading in the market. Also narrated from Abu Hurairah, he said: The Ansar said to the Prophet , "Divide our date-palm trees between us and our comrade." He said, "Not." The immigrants said, "You meet our needs and we'll come work with you in the care of the fruit." The Ansar replied, "We hear and we obey. "

From the hadith is shown that the Ansar have a self-sacrificing nature, prioritize and loving people of the immigrants. While immigrants greatly appreciate the sincerity of the favor of the Ansar. They do not use it as an opportunity for the interests not in place. They only want to receive assistance from the Ansar in accordance with their efforts in putting in a job. Naturally, the expansion of production and trade facilities increase the total production of the Muslims and led to improved utilization of labor resources, land and capital. Later in the same period the Prophet distributed the land to the immigrants for settlement construction. This policy also increases the work participation and residential development activities in Medina and meet the essential needs of immigrants will be a place to live. In this way the general welfare of the Muslims increased

0 MARKETS ON ROSULULLAH ERA (1)

Overseas markets visited by the Prophet Muhammad was visited when I was 12 years old located in the Bushra or Basra in the country called Syria. This trip made in 582 AD following the uncle Abu Talib. Sham country is one of the most important neighboring country to the Arabian Peninsula region. The country is known for lush and rich, so always be a primary objective for the Arabian Peninsula residents who want to find a new livelihood. In this country they settled while herding cattle in a pasture that is or was also a trade relationship with the local population. Relations between Syria and the Arabian Peninsula was never broken from time to time, which is generally focused in the field of trade and exports and imports of food and basic industrial society. Hijaz Line-Sham is the most important point, which is packed with trade caravans that back and forth carrying their goods from one country to another country.

Different treatment is carried out against the group of Quraysh Bahira moment. "By Allah, O Bahira, we saw you act differently on this day. In previous times, you have never served us, and we often pass your place. What happened to you today? "Bahira replied," What you say is true. You currently are my guests and I want to glorify you by providing meals. I hope that you all can attend. "A few moments later, all members of the group had gathered in the hermitage Bahira, except Prophet Muhammad He stayed in place and did not attend the banquet because it was still a child. Because Bahira not seen among those present who was he observes, he then said, "O people of Quraysh, I do not want no one among you who do not attend this jamuanku." Quraysh delegation then answered, "No one in Those of us who are not present here, except for a small child. He is a member of the youngest group that should stay in place. "Bahira said," Do not do that. Panggilah him to attend with you always in this place. "One member of the Quraysh caravan was kemudia said," By Lata and Uzza, we will not be blamed for child Muthallib Abdullah bin Abdul sat and ate with us. "The man then went see Muhammad and took him to places such banquet.

At the time of Muhammad to enjoy the banquet, Bahira continue watching it carefully. Bahira also looked at his body with a probing look as if it was looking for something on his body. At the present time all had finished eating and started to leave his seat, then went to Bahira Prophet Muhammad and said, "O child, by Lata and Uzza, I want you to tell me what would I ask you." Bahira Lata's name and use it in the beginning Uzza word to Muhammad because he had heard someone Quraysh also swear by the name . Small Muhammad then said, "Thou shalt not mengjukan questions by calling me," By Lata and Uzza. By Allah, I have never hated anything for them.

0 PRIMARY STATE INCOME AT BEGINNING OF PERIOD ON ISLAM (1)

At the beginning of Islam the main source of state revenue is khums, sodaqoh nature, charity, kharaj (land tax) and jizya (tax collection). Khums issued in 2 hijra. Sodaqoh nature is also required in 2 hijra. Kharaj withdrawn at 7 years of Hijrah, after the bow of Khaibar. Zakat is required in the year 8 Hijri and jizya determined in 8 migrate as well (Sadr, 1989). At the time of the Prophet, government policies relating to state revenues are distributed all income received. The policy was changed at the time of Caliph Omar. At that revenue rose sharply and Baitul Maal permanently established in the city center and the provincial capital, which still remains

Khums in Arabic means one fifth. Khums is one source of income Baitul Maal, as mentioned in the Qur'an (8:41). A fifth is for Allah and His Messenger is to be used for the state public welfare (Pickthall, 1969). Prophet membagai usually khums into three parts, first part for himself and his family, the second to the third part of his relatives and to orphans, those in need and those who were on their way. Four-fifths of the other part is divided among the soldiers who participated in the war (in certain cases some people who did not participate in the war also get a share). The rider got two parts (for himself and his horse), the soldier, a woman who attended the war to help some things do not get a share of the spoils of war (Sabzwari, 1984).

In the second year after Hijrah required sodaqoh nature. Sodaqoh is also known as Zakat Al-Fitr is compulsory every fasting month of Ramadan. The amount of Sha dates, wheat (barley), flour cheese or raisins, or half-Sha wheat for every Muslim, slave nor free, male or female, young or old, and paid before the Id prayer (Bukhari, 1979).

Kharaj refers to income derived from rents of agricultural land and forests belonged to the Ummah. If the cultivated land and orchards owned by non-Muslims fell into the hands of Muslims due to losing the battle, these assets become part of the public ownership of Muslims. Therefore, anyone who wants to cultivate the land must pay the rent. Revenue from this lease is included in the scope kharaj. An example is the rent collected over some land in Khaibar, which is war booty and a Muslim public ownership (Sadr, 1989). When Khaibar was conquered, the land was taken over by the Muslims and old owners to cultivate the land offered as a substitute for land rent and are willing to give some production to the state. Kharaj amount of land still being half of the production. The Prophet used to send people who have knowledge in this matter to estimate the amount of production. After reducing the excess of the estimated one-third, two-thirds of their distributed and are free to choose, accept or reject the division. The same procedure was also applied in other areas. Kharaj became an important source of income (Sabzwari, 1984).

0 MONETARY POLICY IN FIRT CENTURY OF ISLAM

At the time of the Prophet and all the first four caliphs foreign coins with different weights are well known in Arabia, like the dinar, a gold coin and a silver coin and a copper coin filthy lucre. Dinar value equal to ten dirhams. Value of one dirham equals 48 filthy lucre. Filthy lucre coin used for the purchase of cheap goods. The weight of the dinar is equal to one mitsqal or equal to two hundred twenty qirat or barley grain. One mitsqal also equivalent to 4.25 grams (Johnson, 1968:547). Weight dirhams not uniform. To avoid confusion, Umar ruled that a silver coin weighing 14 or 70 grain qirat barley. Then the ratio between the dirham and one mithqal is seven-tenths (Sabzwari, 1984). At the time of Caliph Abu Bakr Assidiq, he did not make changes to the circulating currency dinar and dirham is still the country's currency unit (Al Maqrizy, 1988:129)

At the time of Caliph Umar ibn al-Khattab, the Muslims of financial administration is delegated to the people of Persia. At that time Umar hired bookkeeper and accountant Persian people in large numbers to adjust income and expenditure of money in the Baitul Maal (state finances). They also use the unit coin to help improve the circulation of money. During the Caliphate Umar also published a letter that use check payment accepted by the community. According to Al-Yaqubi, Umar instructed to import some goods from Egypt to Medina. Because the goods imported large numbers, distribution become restricted. Therefore, the Caliph Omar published a number of checks to people who are eligible and that households gradually everyone can go to the treasury of the Muslims and collecting treasure. The use of checks by the Caliph Omar received by the public to show its use as a means of payment in the early period of Islam (Sadr, 1989).

Defeat of Persian mint continued to operate. At the time of Caliph Uthman ibn Affan existing currency that reads Bismillah, Barakah, Rabbi Bismillah, Allah and Muhammad with a kind of writing Kufi (Al Maqrizy, 1988:60). Even Usman treat the immigrants did not like at the time of 'Umar could not move around. The immigrants are allowed to move in all the empires that had been banned, and acquire sufficient wealth and pleasures abundant. Life versatile easier than in the days that Omar had to restrain myself (Haykal, 1973:119).

Transactions naturally in the area of Egypt or Syria to use the dinar as a medium of exchange, whereas in the Persian Empire using dirhams. Expansion of Islam to the region made Persian Empire (Iraq, Iran, Bahrain, Transoxania) and the Roman Empire (Syria, Egypt, Andalusia) causes the velocity of currency is increased. Even during the reign of Imam Ali, the dinar and the dirham is the only currency used (Sadr, 1989).

When the currency was imported, the Muslims only control the quality of the imported money, but after scoring the Muslims themselves directly control the money supply (Sadr, 1989). Caliph Ali ibn Abi Talib scored dirhams modeled Khalif Uthman ibn Affan and write in the ring one sentence Bismillah, Barakah, Bismillah Rabbi and the kind of writing Rabiyallah Kufi (Al-Naqsyabandi, 1969:22).

0 DEVELOPMENT INVESTMENTS ON RASULULLAH (1)

One of the special purpose economy in the early development of Islam is penginvestasian community-owned savings. This is manifested in two ways, namely to develop investment opportunities appropriate legal and sharia and prevent leakage or the use of savings for goals that are not Islamic. Development investment can be through cooperation, qardul hasan, infaq and endowments.

According to Sadr (1989) development of investment opportunities that are legal and conducted according to Islamic investment by adopting conventional system which then adjusted so that the surplus (savings holders) and entrepreneurs can work together with the ex-ante share agreement that generates added value. Because the main activity is the service economy, agricultural, trade and crafts, the appropriate legal form for all these activities is mudarabah, muzara'ah, musyakat and Musharaka. Community-owned savings allocated to the trade and crafts, while the physical assets such as land, machinery, etc.. Used for agricultural. The instigation and guidance of the Messenger of immigrants and Al-Ansar is ready to cooperate with the division of ownership 50% -50%. Given the immigrants are "less" in terms of capital and skills pertaining to agricultural and trade, the ownership of which they received does not match the value that they contribute pastisipasi. Through this partnership contract, the Ansar teach the required skills, so that productivity increases. For owners of capital, this form of cooperation is very beneficial because they can be involved directly in the investment process. Experiences, information, and methods of supervision and management that they have can be applied directly. In this partnership, the business risk borne by both parties. Experience and information obtained by participants and informed the public for their interest in such cooperation. Gradually, perfect information and knowledge society will be able to reduce the risk of investors in business. In addition to earned income, information and administrative methods of trade / economy they get the main attraction for people to make investments.

In the early Islamic period, the government in various ways to provide investment-oriented facilities for the community. First, provide various facilities for producers to produce. Second, provide tax advantages, especially for new production units. This method does not harm the Islamic tax incentives for economic activity tax withdrawals made in proportion to the benefits; rents and quasi-rent earned from business activities that do not reduce the incentives and the efficiency of producers. Third, improve production efficiency and private sector participation in the investment community. This is done by introducing production techniques and new skills to the Muslims. Keterampilam ditrasfer new science of Persia and Rome which was later adopted by Muslim societies. In this case the introduction of technology financing beyond the financial capacity of private sector public funds are used. Weapons production technology and medical science adopted from Persia by the Prophet himself with funds from the cash masyarakat.Investasi infrastructure in improving the capacity and efficiency of production developed under the leadership of Umar. In the same time, accounting and administrative methods of Persia, irrigation techniques, and architecture of Rome was introduced to the public. During his leadership of the Caliph Ali, mint techniques, as well as kesustraan and science of human well-developed. This is a good omen for the public sector efforts to overcome obstacles in carrying out the production process and increase production efficiency in the form of action that not only improve efficiency but also encourages people to invest capital owned (Sadr, 1989).

0 Changing Dollars To The Dinar

Trade is the basis of the economy in Arabia before Islam came. Prerequisites for the transaction is a payment tool that can be trusted. Arabia and neighboring areas are directly under the control of Persia and Rome. The unit used the money that countries are dirhams and dinars. In a business transaction in Arabia two kinds of money are also accepted. With the growing political strength of those two countries, the payment means more reliable in the region under the influence of power. Because of that factor, the Persians and the Romans being the only trading partner Arabs (Sadr, 1989).

Dirham and the dinar coin has a fixed weight and a content of silver or gold that remained. However, during the Umayyad dynasty Abbassiyah and weight change, as well as in Persia itself. In the post-Islamic, the silver content of coins coin which differs from one region to another, but in the early period of Islam is fixed. At this time the amount of gold and silver zakat as mentioned in the Scriptures is based on the weight of dirhams and dinars coins stipulated at the time of the early Islamic period (Kattani, 1975:413). Value of one dinar equal to ten dirhams (Sadr, 1989). But at the Fathimiyah Dynasty during al-Hakim ibn Amrillah dinar price equal to 34 dirhams for dirhams many mixed-dirham (Al Maqrizy, 1988:70-80). During the Ottoman coordination, Utsmaniah formal financial system since 1534 is based on the goods of gold and silver mines in the ratio 1:15 (Imarah, 1993:101). Dinar and dirham addition, there is also money to meet the needs of selling goods slightly less expensive than the price of a dirham or a part of dirhams, because it had always been until now the people need a medium of exchange other than gold and silver. To meet the needs of this bargain purchase, they scored some of the copper in the process of small pieces called filthy lucre (money copper) (Al Maqrizy, 1988:90). Value filthy lucre than dirhams in the early Islamic period is 1: 48 (Al-Hallaq, 1986:17). Value is not fixed copper cash increase of dirhams in the year 756 AH in the ratio 1: 24 (Al-Sayuthi, 1975:104).

Dinar and the dirham is the currency stable world from early Islam to the present. Inflation after the year 1400 is zero. The price of chicken at the time of the Prophet s.a.w. is 1 dirham and now (2006) is still around 1 dirham (Vadillo, 1998). Dinar is the ideal currency to facilitate and improve international trade and minimizing speculation in paper money that could trigger the Asian currency crisis of 1997. The existence of a union funds between countries in the Muslim world will increase the quantity of trade between Muslim countries and help increase economic development if the conditions of supply of money managed tesebut dinars (Beshir, 2003). The idea of the gold dinar currency hagemoni help minimize currency U.S. dollars and once again use the dinar as an international currency because the value of paper currencies continue to fluctuate not as stable gold currency which has lasting value, its value is the value of the metal itself. The system is built on the idea that the Islamic government is keeping gold on the Central Bank and use it within the framework of commercial transactions rather than depend on foreign financial markets and foreign financial companies (Hanafi, 2003). Opportunity to use the dinar currency was big enough, because the population of members of the Islamic Development Bank (IDB) to reach 1.1 billion or 19.2% of the population of the world. So it's time we menghganti dollars to dinars.

0 Wakaf

Waqf is a glorious worship that aims to spread prosperity to all umat.sehingga prosperity was not confined to just some people who had been familiar with the term of the bourgeoisie (conglomerate). In the recent period of prosperity is never sided with the dhu'afa (weak / poor) which lives very, very far from the prosperous. Endowments are holding property (whether in the form of fixed assets and current assets) that can be utilized without the difference or just disappear, not by taking legal action against the object (to sell, give or leave it), to be distributed (results) in the Mubah Suat (not haram) is there, (Decree of the Central MUI Fatwa Commission dated May 11 2002/28 Safar 1423).
Endowments itself if hadistt prism of a prophet to guide argumentation (opinion), it is different endowments denngan zakat or alms, but almost similar to infaq and can be categorized into the concept infaq. The term itself embodied in the endowments of Al-Quran, but the birth of the opinion that Muhammad SAW Syayidina answer Umar, when he was about to menginfakkan a fertile plot of land in Khaibar. The Prophet then offered what if the garden was used as "baboon" and maintained only its immortality, while the exploited is the result. Rosul said:
"Narrated from Ibn` Umar that 'Umar ibn al-Khattab ra acquire land (garden) in Khoibar, and he told Muhammad ASW dating for instructions regarding the land. He said. "O Muhammad I have land in Khaibar, which I never get a better property than the land to me; what you ordered (to me) about it?" Of the Prophet replied: "If you want, you stand and you just sedekahkan (result) of his.
Ibn Umar bekata "then, Umar menyedekahkan land, (to require) that the land was not sold, not donated and are not inherited. He menyedekahkan results to fuqara, relatives, riqab (slave, the oppressed), Sabilillah, Ibn sabil, and guests. Not guilty of those who manage to eat from (the) land is ma'ruf (naturally) and feeding (to others) without making harata's. ". narrator said, "I told them to hadistt Ibn Sirin, and he berkata'ghaira mutaatstilin nights" (without saving it as property ownership). (Bukhari, Muslim, al-Tirmidhi and al-Nasa'i).

0 Hikmah Concluding

Wisdom is something that has meaning or a deeper meaning or something kebijakksanaan of which comes from God. Although it was from God's wisdom, but not everyone can accept the difficulties, suffering, sadness and failure. How to take this wisdom that distinguish successful people and those who fail. The man who failed so falling, he never woke up again and can not take lessons. While successful people, so fell she would wake up and take lessons. Philosophy Tionghoa family had desperately wanted before failing more than three times, while the Japanese will continue to rise seven times before it fails. That's the way they are dealing with the failure and take lessons.

When I failed to enter university that I desire, namely Bandung Institute of Technology majoring in Mechanical Engineering, so I accept the field as received in FMIPA Physics UGM. I can take a lesson from the incident. Maybe God wants me to have in the world of education. Alhamdulillah, now I have managed more than ten universities from the Academy to the University. When Primagama established with a very small capital, is only able to rent a room Rp25.000, 00 per month. After 3 months we were told to move. "Brother Purdi we usually talk of family problems, but this time I want to talk business. Considering you have not paid my rent for three months, so I ask all the items in my house is your take-home ", said the owner of the house. Mr. Purdi replied, "I'm with my friends, just spread brochure Pak. Please I am given a chance ". "I give a week's time to clean my house," said the owner of the house. Then Mr. Purdi home to me and tell what the landlord. When I answered, "God willing, there are lesson". Then we both strive to spread leaflets to students and not wasting a week's time. In one week we finally get the money Rp50.000, 00. Then, I was with Mr. Purdi find another place and finally got a place to rent Rp30.000, 00 per month. After signing the agreement, then Mr. Purdi I invite to see the new office from the front. Then I said, "Our new office a little better than his old office. That is the lesson ". Mr. Purdi nodded.

Likewise, when I founded STMIK AMIKOM Yogyakarta, I was asked to Primagama to rent a place or office. But Primagama not want to rent a place or office. I had to take lessons from the incident. "Maybe I should learn to find a way when no money to rent office" I said to myself. Of this difficulty I finally found a way, the future owner of an empty house on Jl. Monginsidi No. 8. That happened in April 1994 .. The owner of the house was named Mr. Drs. Budi Sutrisno. "Sir, I want you to rent a house for two years" I said. "Sure. the house was empty "said Mr Blake. Then I tried to pay the rent with August and September. Pak allows for rent dinotariskan condition. Every failure is always a lesson. If we already know the positive side, or we can take lessons, then that's the beginning of success. "Because really, hardship is a convenience, really, hardship is a convenience" (Nature NASYRAH: 5-6).