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."
If only good debt is to rebuild the country, maybe we are not taught by Usmatun Hasanah us to take refuge from the bondage of debt such as prayer in matsur (exemplified) is above every morning and evening. But because of this debt can be wrapped around us and make us stuck in the pressure of other people, it is important for us to take refuge from this debt.
Ten years ago this country's shattered economy until the money we live is worth a quarter, among others, the cause is the size of our foreign debt. The need for such a high dollar compared with our ability to generate dollar has caused dollar rose more than fourfold during the crisis.
Now repeat the same mistakes - as we so easily forget previous mistakes. If donkeys are not mired in the same hole twice, we can fall into the same hole over and over again.
Concerned I read the news in Republika today that reveals our corporate debt has reached around U.S. $ 50-60 billion, slightly below the state debt reached U.S. $ 62 billion. What is sadder is the amount of debt that will mature this year alone will reach U.S. $ 17.4 billion, the amount which has the potential to undermine our foreign exchange reserves as of March only U.S. $ 53.7 billion.
I recall when we first crisis, there is a commitment (leaders) to oversee the country's private debts abroad; Allaah knows best - whether this surveillance path?, Who is responsible for this?; Why do people like us have often been surprised with a very serious problem and eventually just become the victim?.
It is probable that such problems will continue to repeat as long as we are still wrong in choosing Uswah (example); If the Prophet Muhammad - Boarding we give examples of refuge from the debt separately as in the supplication mentioned above; this country prefer to imitate the teachers that in the west who taught that debt solutions.
Ben Bernanke, chairman of the Fed that the U.S. central bank is an example / reference to the central banks of countries in the world pointed out that the prediction that the country will be free of a recession late this year or early next year on condition that banks would Lends More Many Funds Free ...!. That means more debt stocked ....
Now there are two examples, one being our Boarding teaches us to take refuge from debt morning and evening (meaning as much as possible to avoid the debt). The second was Ben Bernanke that represents the current world economy that encourages a lot of debt, then who should we choose as an example?.
We should select our Boarding example of the Prophet Muhammad, the next question is what could be major projects of this country was funded without debt?. The answer is definitely can!. This religion is the religion of the end times, our example is the prophet of the End Times - then the solution must be valid until the end of time.
Examples we have started is that we are printing the gold dinar spread disseminated to the public; though our capital is not much - thank God we can continue to print the Dinar is needed by the community without any 'debt' as in the conventional business sense. Solution Qirad or Mudharabah is enough for us to continue to work to meet the needs that exist in society.
Another example is the crisis of national meat. To reduce the need for meat imports to only 10% just like the Ministry of Agriculture, the target for 2010 for example, this country needs an additional 2.5 million cows in 2 years. How to overcome this deficiency?; Conventional approach is to look for large investors that he should not have any money - yet the bank can borrow! to provide seed capital procurement of the necessary cow, so a great chance of adding 2.5 million cows it will be an opportunity for large investors. Later, when he could not repay the loan - it is the people who became victims with bad credit bank, or eroded his income if the loan is a loan abroad.
What if we change the current approach, rather than relying on large investors, individual investors but we rely on her partner with a cattle rancher who is also an individual - not corporate. If only one person trained individuals who can manage 5 cows, then each individual investor may also invest an average of 5 cows, then the problem of national meat has now turned into new opportunities for 500,000 farmers and 500,000 individual investors!.
Was this theory? God willing not limited to theory, we will continue to seek ways for our ideas do not stop at the level of mere theory. God willing.
