One of efficacious prayer or exemplified for us to read every morning and evening to protect themselves from Al-Dain Ghalabati or rotate debt.
So far I do not appreciate the meaning of this prayer, but because it is recommended by Rasullullah SAW, so often I just read.
The days of the global financial crisis, it turns out that this prayer should be very relevant to our read-do every day by all elements of this nation - until we really animate.
More than that after we have internalized, it must also be coloring all our actions in carrying out our own lives as well - who became leader - yes run this country.
We know the base of all this crisis is the lifestyle owe, who conducted individual-do and those conducted by the government. We have been mistakenly take an example!.
Economy of this nation, this nation lifestyle modeled on the west especially the U.S. economy really can not at all our examples.
In terms of lifestyle do owe the government for example, this month the U.S. government filed a license to Congress to raise national debt limit. With the new upper limit on America's debt will reach U.S. $ 9.8 trillion. This means that any U.S. citizens from the old to the new born immediately have debts of about U.S. $ 33,000 or approximately USD 396 million, -!.
We are 'lucky' to be citizens; our country supposedly 'only' have a loan of Rp 1.320 trillion. Or, if distributed equally to all citizens old and new-born, each of us gets around Rp 5,280,000 or U.S. $ 440. (For fellow reporters not to quote these numbers, yes, I'm not too sure because of the difficulty of looking for definitive data on Indonesia).
Horrible is not the size of the debt, but with upward trend. Because the U.S. as a teacher has also continued to add debt - the value of their debt 'new' to reach U.S. $ 8.0 trillion three years ago, and Indonesia, at the same time three years ago the 'new' debt we USD 1.282 trillion.
This is the accident; debt bondage over debt that makes the whole world scrambling suffered a financial crisis like the bottomless well - not yet seen its end until now.
In the financial world, there are two types of debt which is called Self-liquidating Debt SLD and I call it the only course the opposite of Non-Self-liquidating or N-Debt-SLD.
SLD is a productive debt that could pay for itself. Examples we owe 100 for production of goods or services that result we can sell 130. From these sales, 10 we used to cost, 20 us for 50% of its debt to the giver. We can produce and providers of debt also obtain the results of the funds. Such debt does not matter a lot because it will encourage productivity.
Conversely N-SLD was not able to pay its own debt. Examples of employees with monthly income of Rp 10 million / to take the new car loans with installments of Rp 5 months million. So every month he would have difficulty because their income installment is not sufficient, to cover his lack of insufficiency of his monthly expenditure by credit card. So the debt is piling up from time to time the greater. This is Al-Dain Ghalabati it ... that we are taught to take cover against it.
State also, they owe not only for productive activities, but more for consumptive activity.In America a very large consumptive activities to finance the Iraq war and the actions do not bring benefits to their own people as their activities in Afghanistan and so on.
In a country like Indonesia, all of our loans are used for state budget shortfall, to 'everyday life of his' country.
So countries like America, Indonesia and all countries in the world today - together with its people - patched routine life of a credit card. When the credit card burden continues to swell - then bankruptcy is the state of those countries.
For while the bankruptcy is not visible because it is different with individuals, countries can print money. It is our children and grandchildren will be paying the credit cards used by these countries to so many generations to come.
Let us read the prayer below for debt relief
Allahumma innii a’udzubika minal hammi wal khazan, wa a’udzubika minal ‘adzji wal kasal, wa a’udzubika minal jubni wal bukhl, wa a’udzubika min ghalabati al-daini wa khohri al rijaal.
"Oh my God meant it to you from a sense of refuge hard and sad, and I seek refuge to You from weakness and laziness, and I seek refuge in you from cowardice and miserliness, and I seek refuge in you from the bondage of debt and the pressures of others."
