Harga Emas, Perak, Platinum, Palladium

The Best Investment Special Business Indonesia

Welcome To UINVEST EXCLUSIVE

Uinvest.com.ua – invest your money to the shares of real businesses
Invest money. Оnline investment / investing. How to invest money online? Investing today
You want invest money and you don’t know best way to invest money online? You don’t know how to invest money online? We can help you. Online investing today it is the best way to be rich. More detail about investing and investment projects you can find on our web-site

Investment opportunities in Europe are part of a successful, diversified portfolio. As financial experts, we identify these projects and guide clients through this process with transparency and convenience.

Each of these businesses, including factories, facilities, restaurants and service companies, is a potential source of income or ownership. In fact, our success with these brands is the result of our proven record, in Europe, as specialists who understand the economic and regulatory guidelines on this region.

Our website enables investors to find, buy or sell, and manage a potentially profitable enterprise. By simplifying the ability to invest online, we also balance the benefits and liabilities of each business, while empowering people to make money in a suitable business.

To learn more about these advantages, please take a moment to create an account on our site. We look forward to helping people in this dynamic economy.

Plan Invest: Profit % Variable Every Invest

Status:PAYING

Minimal Spend: $Variable
Maximal Spend: $N/A
Referral: 1-5%
Withdrawal: Manual
Added:Nov 13th, 2011


Footbal TV Schedule

TV STREAMING INDONESIA






Best Investment Club Ltd



Best Investment Club is a global leader in alternative investments. The company serves more than 10 thousand merchant locations, and thousands of investors worldwide. We have merchants in more than 80 countries and investors in 150 countries.

Best Investment Club is a money management company providing global investment opportunities that offer security, stability and impressive financial performance. Our service to investors and merchants is based on three main principles: guarantee, stability and no risk.

Best Investment Club provides investors with opportunities to invest in carefully configured, high interest investment plans.

Best Investment Club provides investments to global users and payment-processing services to the European largest financial services providers, to the merchant around the corner, and to businesses of all sizes. We ensure that investments will generate earnings stable and risk free, and money moves accurately and securely anytime, anywhere.
Plan Invest , 7%-9% Daily For 20 Days.

Min Spend:$1
Referral Bonus:5%
Withdraw Type:Instant
Start Date:Sat, 01 September 2012
Payout Ago:1 Days, 0 Hours, 9 Minutes
Hosting Country:US, United States
Hosting City:Chicago
Hosting ISP:nLayer Communications
Hosting IP:198.144.120.51

Support: admin@bestinvestmentclub.com
Payment Method: Liberty Reserve, Perfect Money
#MONITOR#
Best Investment Club HYIP Details on GoldPoll
JOIN NOW

STALLION GOLD

Welcome To StallionGold

StallionGold - Making The Prosperity Possible
1.5%-4% daily for 100 days.

Min Spend:$1
Referral Bonus:8% multilevel affiliate
Withdraw Type:Instant
Start Date:Wed, 30 May 2012
Payout Ago:43 Minutes
Hosting Country:VG, Virgin Islands, British
Hosting City:Houston
Hosting ISP:Akrino Inc
Hosting IP:91.202.63.91

Support: support@stalliongold.com
Payment Method: Liberty Reserve, Perfect Money, Bank Wire
JOIN NOW

AVO INC- Instant Withdraw

Uinvest.com.ua – invest your money to the shares of real businesses Invest money. Оnline investment / investing. How to invest money online? Investing today

AVO INC Banner Picture

AVO INC

3% Fixed Daily Profit For 90 Business Days.
STATUS: PAYING
Min Spend:$10
Referral Bonus:8%
Withdraw Type:Manual
Start Date:Thu, 09 August 2012
Payout Ago:8 Hours, 41 Minutes
Hosting Country:US, United States
Hosting City:New York
Hosting ISP:Staminus Communications
Hosting IP:72.8.141.109

Support: support@avo.net
Payment Method: Liberty Reserve, Perfect Money
U5699172, U0027652, PerfectMoney U1104573
JOIN NOW AVO INC.

MUTUAL WEALTH


Mutual Wealth Banner Picture

Welcome To Mutual Wealth

Profit :
3%-8% weekly for 180 days,
2.5%-6% weekly for 90 days,
2%-5% weekly for 1 month.


Min Spend:$100
Referral Bonus:3% - 12% commission + bonuses
Withdraw Type:Instant
Start Date:Wed, 22 December 2010
Payout Ago:1 Days, 22 Hours, 0 Minutes
Hosting Country:US, United States
Hosting City:San Francisco
Hosting ISP:CloudFlare
Hosting IP:198.41.186.35


Support: m.salmon@mutualwealth.com
Payment Method: Perfect Money, Egopay, SolidTrustPay, Bank Wire, Bitcoin, Payoneer
U7162958, PerfectMoney U3040798
JOIN NOW


The Money Galaxy


2.1% daily for 100 days,
2.5% daily for 120 days,
4% daily for 160 days.

STATUS:
Min Spend:$10
Referral Bonus:6%
Withdraw Type:Manual
Start Date:Thu, 02 August 2012
Payout Ago:1 Hours, 52 Minutes
Hosting Country:CA, Canada
Hosting City:Vancouver
Hosting ISP:Cipherkey Exchange Corp.
Hosting IP:209.205.72.133

Support: helpdesk@themoneygalaxy.com
Payment Method: Liberty Reserve, Perfect Money, Payza, BitCoin, Egopay, OKPay, SolidTrustPay
JOIN NOW

FX Easy Trade !

Welcome to FX Easy Trade !


LIKE TO GENERATE A PASSIVE INCOME ON THE forex MARKET BUT NOT SURE HOW?

FX Easy Trade, is a global investment management company with approximately $7 million under management as at 24th of August, 2010. We provide a premier range of products to institutional and individual investors. The company is focused on stock market, forex, property and other infrastructure assets. Established in 2007, FX Easy Trade, is now in a position where we proudly serve a growing international client base from the Americas, Europe, Asia the Middle East and Africa. We employ 25 investment professionals.
Status : Paying
3% Daily for 150 Days!
Min/Max: $1 / N/A
Referral: 5%
Withdrawal: Instant
Added: Jun 13th, 2012
Monitored: 134 days
Lifetime: 134 days

JOIN NOW

Bank Of 7-Exclusive Instant Withdraw

Bank OF7-Exclusive Investment Instant Withdraw

STATUS:PAYING
Fixed monthly profit rate (7%).
Withdrawing the principal or profits at any time.
A minimum investment limit of 100 USD/EUR.
A minimum profit withdrawal limit of 1 USD/EUR.
Possibility of profits reinvestment.
Ongoing technical support around the clock

“We do not only invest our money;
We invest our time, expertise and our energy”

BANK OF 7 is a private investment company operating in the field of local and global investment, we offer investment opportunities to individuals and companies so to allow for participation in the business market within a safe and risk- free investment environment.


Welcome To Bank OF 7Plan Money Invest : 7% Monthly.

Min Spend:$100
Referral Bonus:1%
Withdraw Type:Instant
Start Date:Thu, 17 May 2007
Payout Ago:2 Days, 9 Hours, 11 Minutes
Hosting Country:US, United States
Hosting City:Columbus
Hosting ISP:Ecommerce Corporation
Hosting IP:173.83.183.247
Bank OF 7 - Rate Banner
Support: support@bankof7.comPayment Method: Liberty Reserve, Bank Wire, MoneyGram, Western Union

Address:BANK OF 7 Corporation.
United Arab Emirates - Dubai - Media City - 356 - 106

Tel. (Outside Dubai) +96277 5 775723
Fax. (Outside Dubai) +962 6 5820759
P.O.Box. 242 Dubai - Media City

Email: info@bankof7.com

JOIN NOW BANK OF 7 Corporation.

ROYALTY 7- Exclusive Manual Withdraw


Welcome To Royalty7

Royalty7. is a private investment and wealth management company that allows international participation of individual and group a like. Our service provides highly lucrative return on investment along with a complete account privacy, top level online security, an efficient account management and 24/7 fully dedicated support team. Our company financial portfolio is backed-up by an active pool of realized profits from various high-yield assets that we hold around the globe. All our members have equal opportunity to benefit from an attractive 7% Daily / 110% Weekly plans on a long term basis, with the lowest possible risk of losing the initial principle invested.
Market Index
Our areas of expertise are varied, we are active in the world's top markets including but not limited to: Real Estate (Dubai sea-land residential development concepts, mutual investments in few cacao and tobacco production fields). Financial (Start-up initial public offerings, foreign currencies exchange, holding stocks of insurance firms and mortgage brokers). Tourism (Casino resort shares in Macau, and a silent partnership with one of the biggest traveling guides). Import / Export (Trading electronic toys and aluminum profiles using a real-time trading platform between china & north America), and as of lately Energy (Alternative fuels and green power)
We were incorporated as an offshore limited company in England and Wales, a well-known and reputable jurisdiction. This facts gives us the advantage of trading flexibility, to buy & sell quickly and privately without being subjective to severe regulation. Our company's key strategy is to minimize the operation risk chances by participating only in a high quality businesses of the world's biggest industries, with a constant alertness for even the smallest market events.
Our plans were carefully thought of to provide mutual stability & lowest possible risk over the long term. With such plans you can't go wrong, we strive to return members initial principle as fast as possible and process withdrawals in a reasonable time frame of 48 business hours. Constant members satisfaction isn't an easy task and our main goal in today's changing market will stay the same : Members Success!

INVEST PLAN : 7% Daily for 30 days,
110% Weekly, Compoundable.


Min Spend:$25
Referral Bonus:5%
Withdraw Type:Manual
Start Date:Fri, 11 November 2011
Payout Ago:6 Hours, 39 Minutes
Hosting Country:US, United States
Hosting City:Stamford
Hosting ISP:FortressITX
Hosting IP:65.98.62.11
Royalty7 - Rate Banner
Status:Monitoring
Support: Royalty7@Members.only
Payment Method: Liberty Reserve, Perfect Money, AlertPay, SolidTrustPay

Register For Free Today!

Allworld HYIP- Top Life Time Automatic Instant

AllworldHYIP

1%-3% monthly until you receive 200%.
Payments everyone 10th of each month.
Pay directly to e-currency.
Status:Paying
Min Spend:$100
Referral Bonus:n/a
Withdraw Type:Automatic
Start Date:Fri, 30 December 2005
Payout Ago:31 Days, 1 Hours, 19 Minutes
Hosting Country:NL, Netherlands
Hosting City:Frankfurt Am Main
Hosting ISP:FOP Litvinenko Sergey Nikolaevich
Hosting IP:91.220.101.12
AllworldHYIP - Rate Banner
Support: allworldhyip@gmail.com
Payment Method: Liberty Reserve
2708578, 972303, 3611225, U8987271
JOIN NOW

ARXN Group-Normal Manual Withdraw

Welcome To ARXN Group

Our program is intended for people willing to achieve their financial freedom but unable to do so because they're not financial experts.
ARXN Group is a long term high yield private loan program, backed up by Forex market trading and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term.
Plan:
1%-3% daily for lifetime.

200% after one week
Status;PAYING
Min Spend:$10
Referral Bonus:5%
Withdraw Type:Manual
Start Date:Sun, 28 February 2010
Payout Ago:13 Hours, 10 Minutes
Hosting Country:CA, Canada
Hosting City:London
Hosting ISP:Inline Internet Online Dienste Gmbh
Hosting Organization:VPS4LESS
Hosting IP:93.186.171.49

Support: admin@arxn-group.biz
Payment Method: Liberty Reserve, Perfect Money
JOIN NOW

RTB CLUB-Normal Top Life Time Manual Withdraw

Welcome To RTB Club

Our program is intended for people willing to achieve their financial freedom but unable to do so because they're not financial experts.
Plan:
200% after one week

1%-3% daily forever.
Status:Paying
Min Spend:$10
Referral Bonus:5%
Withdraw Type:Manual
Start Date:Tue, 10 November 2009
Payout Ago:12 Hours, 58 Minutes
Hosting Country:DE, Germany
Hosting City:Houston
Hosting ISP:VPS4LESS
Hosting IP:193.200.193.171
RTB Club - Rate Banner
Support: admin@rtb-club.com
Payment Method: Liberty Reserve, Perfect Money
JOIN NOW

VLS CLUB-Normal Manual Withdraw


Welcome To VLS Club

VLS Club is a long term high yield private loan program, backed up by Forex market trading and investing in various funds and activities.
Plan:
3% daily for lifetime.

200% after one week
STATUS;PAYING
Min Spend:$10
Referral Bonus:5%
Withdraw Type:Manual
Start Date:Sun, 28 March 2010
Payout Ago:13 Hours, 18 Minutes
Hosting Country:DE, Germany
Hosting City:Dallas
Hosting ISP:VPS4LESS
Hosting IP:193.200.193.171

Support: admin@vlsclub.com
Payment Method: Liberty Reserve, Perfect Money
JOIN NOW

GVB Funds-Normal Top Life Time Manual Withdraw

Welcome To GVB Funds

GVB Funds is a long term high yield private loan program, backed up by Forex market trading and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term.
Plan:1.1%-3.3% daily for lifetime.
Status:Paying
Min Spend:$10
Referral Bonus:5%
Withdraw Type:Manual
Start Date:Sun, 31 January 2010
Payout Ago:12 Hours, 13 Minutes
Hosting Country:DE, Germany
Hosting City:Houston
Hosting ISP:VPS4LESS
Hosting IP:193.200.193.171

Support: admin@gvb-funds.com
Payment Method: Liberty Reserve, Perfect Money
JOIN NOW

World Wide Capital-Exclusive Instant Withdraw



Worldwide Capital ® is a trademark of Theorem Investment LTD, an international investment company founded in 2010, that promotes a wide range of investment services for private and corporate investors. The company’s principle line of business is asset management. Our team has been engaged in investment activity since 2001, it has a clear investment strategy, which enables the diversification of risks by investing in stocks, bonds, futures and options in different markets and it demonstrates fantastic results year after year.
Monitored by Www.invest-tracing.com
Plans:
1.5%-2.3% Daily for 150 Business Days
(Principal return & Compounding)

Minimal Spend: $10
Referral: 5%-7%
Withdrawal: Manual
Support: Support E-Mail Support FormTG |MMG|DTM|MMGP
Administrative Contact:
Robinson, Tim

Theorem Investment LTD
Intershore Chambers, P.O. Box 4342
Road Town, Tortola -
Virgin Islands (British)
(740) 337-4137

JOIN NOW

Expert Portfolio Exclusive Top Life Time Manual Withdraw



Welcome To Expert Portfolio

Premiere Consulting Limited is a successful privately owned marketing research, consulting and investment company. Since the company started officially in February 2010, it has already grown into a large, financially sound company. The company specializes in providing consulting and market research services also providing money management services, focusing on identifying suitable business opportunities and modern investment trends.

Premiere Consulting Limited is the team of traders, analysts, brokers and other experts in different spheres with the global priority - portfolio investments and market researches. An intelligent and well-balanced spread of investments is the key to achieving long-term capital growth. In order to deliver this clear objective, the specialists from Premiere Consulting Limited company have developed the site ExpertPortfolio.com that would help investors searching for the reliable investment opportunity online. Our experts, all with proven track records, select and manage the best international stocks for growth portfolios tailor-made for private investors.

The spheres, we are currently working with: stock market, gold investment market, alternative energy, emerging markets, dividend paying stocks, futures market and physical commodity.


Plan Invest:1.5%-2% daily for 12 weeks.
Status:Paying
Min Spend:$10
Referral Bonus:7%
Withdraw Type:Manual
Start Date:Fri, 05 February 2010
Payout Ago:20 Hours, 14 Minutes
Hosting Country:US, United States
Hosting City:Columbus
Hosting ISP:eNET
Hosting Organization:XLHost.com
Hosting IP:64.79.76.165
Expert Portfolio - Rate Banner
Support: admin@expertportfolio.com
Payment Method: Liberty Reserve, Perfect Money
U8854190, U4009588
JOIN NOW

RXN Investments-Normal Top Life Time Manual Withdraw

Welcome To RXN Investments

RXN Investments is a long term high yield private loan program, backed up by Forex market trading, and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term.
Plan:
50% daily for 5 days
1%-3% daily for lifetime.
STATUS:PAYING
Min Spend:$10
Referral Bonus:5%
Withdraw Type:Manual
Start Date:Fri, 11 December 2009
Payout Ago:13 Hours, 7 Minutes
Hosting Country:US, United States
Hosting City:Fullerton
Hosting ISP:Staminus Communications
Hosting IP:72.8.129.1

Support: admin@rxn-inv.com
Payment Method: Liberty Reserve, Perfect Money
JOIN NOW

Global Bond Fund-Normal Top Life Time Automatic Withdraw

Welcome To Global Bond Fund

Global Bond Fund was created to enable people to increase their wealth safely and easily with no work and no risk. We do not offer pie in the sky returns, but good reliable daily returns from your deposit.

40%-120% daily for 5 days.
Paid directly to e-currency.

STATUS ;PAYING
Min Spend:$20
Referral Bonus:20%
Withdraw Type:Automatic
Start Date:Mon, 09 November 2009
Payout Ago:1 Hours, 2 Minutes
Hosting Country:US, United States
Hosting City:Dallas
Hosting ISP:PrivateSystems Networks
Hosting Organization:PrivateSystems Networks TX
Hosting IP:207.7.80.150
Global Bond Fund - Rate Banner

Support: admin@global-bfund.biz
Payment Method: Liberty Reserve, Perfect Money
JOIN NOW

Green Financial Services-Normal Top Life Time Manual Withdraw

Welcome Green Financial Services

Our program is intended for people willing to achieve their financial freedom but unable to do so because they're not financial experts.
Green Financial Services is a long term high yield private loan program, backed up by Forex market trading and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term.
1%-3% daily forever.
STATUS;PAYING
Min Spend:$10
Referral Bonus:5%
Withdraw Type:Manual
Start Date:Mon, 17 August 2009
Payout Ago:12 Hours, 47 Minutes
Hosting Country:DE, Germany
Hosting City:Houston
Hosting ISP:VPS4LESS
Hosting IP:193.200.193.171
Green Financial Services - Rate Banner
Support: admin@green-fs.biz
Payment Method: Liberty Reserve
JOIN NOW

TURE PROFIT


Welcome To Ture Profit

Have you ever thought of becoming a successful trader to earn a lot of money which will guarantee you financial independence? Have you ever thought of decent retirement? Or just the money rolling into your account passively? Of course you have! Otherwise you would not have arrived at this website.
TureProfit A Private online investment firm works with you to help find the best financial approach to make those desires come true. With robust advice on a wide range of issues. Money management and investment management to the most efficient way to set up your investment and future.Our mission is to promote the online investments for those of you new in this business or have been investing online for a long time not with such a success that you desire.
8% weekly for 50 weeks.
TureProfit HYIP Details on GoldPoll
Min Spend:$10
Referral Bonus:6%
Withdraw Type:Instant
Start Date:Mon, 12 December 2011
Payout Ago:19 Hours, 59 Minutes
Hosting Country:US, United States
Hosting City:Los Angeles
Hosting ISP:Black Lotus Communications
Hosting IP:208.64.126.190

Support: admin@tureprofit.com
Payment Method: Liberty Reserve, Perfect Money, Egopay, SolidTrustPay

JOIN NOW


Invest : BaseBucks-200%Back ASAP!

footer

Make your deposit using the form below:
No maximum. Minimum Deposit: $3.00
After depositing, join us at our forum

STATUS:PAYING

No registration required!

Just make a deposit.We pay directly back into your
Liberty Reserve Account each and every day until you earn 200% Back Automatic.

You can view the status of your investment

(and all our other investors) here.JOIN NOW

Deposit ¦ View Investments

maybe some of you remember with this program,
now after 13 months ( as mentioned on site/forum ) the program returns.

it has 2 offering programs, investment and cycler

for the investment :
- start from $3 with flexible rate until you reach 200% ROI
- automatic payment to LR, calendar days earning, principal included
- LR only
- 5% referral commission
-JOIN NOW
for the cycler :
- investment must be a multiplication of 3$ (3, 6, 9 etc)
- will get 118% when it's cycled
- 3, 5 or 10 times auto-reinvest options
- $33 will shuffle the line
- manual payment.
- cyclers reset on each Tuesday << i don't really get the meaning of the reset yet ...
- not sure about is there any referral commission for cycler ( maybe there's no )
-JOIN NOW
so ... what do you have in mind for basebucks right now ?
as for me, i have made my go couple of hours ago and just received my first automatic payment

Cara Tips Trick Ringan Bermain HYIP

Saya punya trick ringan bermain hyip.
Trick ini saya namakan system "Gerilya"
Gampang dan Mudah Di Ikuti
Serbu Serang Hancurkan Dapatkan Dollarnya...!!!


1. Lihat di hypmonitor(hyip.com, dll) situs2 hyip yg berumur kurang dari 4 hari. Jangan Lebih!!!

2.Jika Hyip Tersebut BerUmur Panjang Mainkan Saja BunganyaYang Sudah Berbunga
( Untung +Untung/Profit+Profit)
Modalnya yang Penting Balik Dulu...!


3. Pilih program terpendek. Kalo bisa yang hourly(Withdraw tiap jam) dan setiap ada earning, anda harus langsung me-withdrawnya.

4. setelah Investasi anda balik modal+bunganya. JANGAN PERNAH INVEST LAGI DI SITUS TERSEBUT!!!! intinya untuk 1 situs 1 investasi.

5. jangan invest banyak-banyak

******************************************

$APA Yang Di Maksud INVESTASI $?....
Investasi adalah: penggunaan sumber sumber untuk menciptakan modal baru.

*****************************************
Semoga Bermanfaat...Dan Sukses Selalu

Terimakasih
Admin Hyip Garuda

Minggu, 18 Desember 2011

Meditasi Islam

Meditasi Islam

 Dunia pengobatan semenjak dahulu selalu berjalan seiring dengan kehidupan umat manusia. Karena sebagai mahluk hidup, manusia amatlah akrab dengan berbagai macam penyakit ringan maupun berat. Keinginan untuk terlepas dari segala macam penyakit inilah yang mendorong manusia untuk membuat upaya menyingkap berbagai metode pengobatan, mulai dari mengkonsumsi berbagai jenis obat-obatan, baik berupa tumbuh-tumbuhan secara tunggal maupun yang sudah terkomposisikan, yang diyakini berkhasiat menyembuhkan jenis penyakit tertentu, atau sistim pemijatan, pembekaman, hingga operasi pembedahan. Semua dilakukan dengan trial dan error. Teknologi medis boleh saja semakin modern dan canggih, namun perkembangan jenis penyakit juga tidak kalah cepatnya ber-regenerasi. Sementara banyak manusia yang tidak menyadari bahwa Allah tidak pernah menciptakan manusia dengan ditinggalkan begitu saja. Setiap kali penyakit muncul, pasti Allah juga menciptakan obatnya. Hanya ada manusia yang mengetahuinya dan ada juga yang tidak mengetahuinya.
Namun tentu semua jenis pengobatan dan obat-obatan tersebut hanya terasa khasiatnya bila disertai dengan sugesti dan keyakinan. Disinilah kekuatan Do’a - Dzikir, maka Islam mengenal istilah do’a dan keyakinan. Dengan pengobatan yang tepat (tentunya berdasarkan pengetahuan dan pengalaman puluhan tahun), dosis obat yang sesuai disertai doa dan keyakinan, tidak ada penyakit yang tidak bisa disembuhkan terkecuali maut.
Merujuk pada praktek-praktek agung tasawuf praktis, praktik-praktik sufi, seperti sholat, dzikir, tafakur (meditasi), ternyata tidak sekedar ritual-ritual tanpa makna. Dibalik praktik-praktik sufi tersebut, tersimpan potensi-potensi penyembuhan bagi penyakit- penyakit yang tidak bisa disembuhkan oleh kedokteran modern, seperti kanker, strooke, kerusakan kromosom/ DNA, dan jenis-jenis penyakit emosional, psikologis dan non medis.
Bahwa untuk mengatasi kekecewaan, kita harus mencari sumbernya dulu yaitu pikiran. Untuk mengatasinya bisa dengan latihan meditasi. Belajar meditasi merupakan bagian dari latihan mengendalikan pikiran. Meditasi adalah latihan konsentrasi yang dapat digunakan untuk mempertajam tehnik dan meningkatkan kepekaan terhadap suasana sekitar.
PENGERTIAN MEDITASI
Perkataan Meditasi itu sendiri diserap dari bahasa Latin, meditatio yang berarti merenungkan dan juga berakar dari kata Mederi (kesehatan) dari kata ini pula diserap kata medisin. Jadi jelas meditasi itu sebenarnya baik bagi kesehatan. Dalam bahasa Indonesia, Meditasi, yang menurut Kamus Besar Bahasa Indonesia, adalah pemusatan pikiran dan perasaan untuk mencapai sesuatu. Jadi bermeditasi adalah memusatkan pikiran dan perasaan untuk mencapai sesuatu, tetapi kata meditasi itu lebih dikenal dengan nama samedi yang diserap dari bahasa Sansekerta, samadhi yang juga disebut dhyana atau pranayama. Samedi itu artinya meditasi dalam bahasa Sangsekerta atau dalam bahasa Ibrani = hagah. Dalam Alkitab bahasa Inggris perkataan tsb diterjemahkan sebagai Meditation.
Sedangkan pengertian meditasi dalam kamus Cambridge International Dictionary of English, adalah:
Meditate is to think seriously (about something), esp. for a long time · if you meditate, you give your attention to one thing, and do not think about anything else, usually as a religious activity or as way calming or relaxing your mind. Meditation is serious thought or study, or the product of this activity. Meditation is also the act of giving your attention to only one thing, either as a religious activity or as a way of becoming calm and relaxed: prayer and meditation.
Kata ‘meditasi’ [meditation] didefinisikan sebagai “praktek berpikir secara mendalam dalam keheningan, terutama untuk alasan keagamaan atau untuk membuat batin tenang.” (Oxford Advanced Learner’s Dictionary). Dalam kamus yang bersifat umum ini, ‘meditasi’ dianggap sebagai proses ‘berpikir’. Ini hampir sama dengan ‘kontemplasi’ yang didefinisikan secara persis sama. Tetapi kalau dikaji secara lebih mendalam dan dipraktekkan, akan ternyata bahwa di dalam ‘meditasi’ justru proses berpikir berhenti untuk sementara.
Pada dasarnya, ‘meditasi’ adalah “pemusatan perhatian pada suatu obyek batin secara terus-menerus.” Memang ada obyek-obyek meditasi tertentu yang berupa pikiran atau ide/konsep, sehingga terjadi tumpang tindih dan tidak dapat dibedakan secara tegas antara ‘meditasi’ dan ‘kontemplasi’.
Dengan demikian, meditasi adalah cara lain untuk memahami diri, yang berbeda dengan introspeksi. Justru pemahaman yang diperoleh dari meditasi jauh lebih tepat dan sesuai dengan keadaan sebenarnya dibandingkan dengan pemahaman dari introspeksi yang dipengaruhi oleh kebiasaan-kebiasaan pikiran yang tidak disadari sehingga memberikan hasil yang bias. Di samping itu,pemahaman diri yang diperoleh dari meditasi bersifat transformatif (mengubah), oleh karena pemahaman itu melibatkan seluruh aspek diri (kognitif, afektif, volisional, dsb). Di lain pihak, pemahaman melalui introspeksi kebanyakan hanya bersifat kognitif saja, sehingga biasanya tidak banyak perubahan yang terjadi.
Ada juga yang memberi pengertian bahwa meditasi yang sering kita dengar mempunyai pengertian yaitu: sikap menenangkan pikiran dengan cara-cara tertentu di mana pikiran kita sampai menemukan sensasi-sensasi sehingga menimbulkan rasa damai dalam hati untuk mencapai ketenangan jiwa (ruhani). Dan ada juga yang mengartikan bahwa meditasi adalah sebuah pelatihan yang menggunakan pikiran untuk tujuan mengatur pikiran dengan usaha kita. Meditasi dapat didefinisikan sebagai suatu aktivitas yang mengakibatkan hubungan erat beberapa orang dengan Tuhan. Kita meditasi pada yang abstrak, tidak berbentuk, tidak bernama. Karena Yang Tertinggi tidak mempunyai bentuk dan tidak mempunyai nama, tidak juga mempunyai kwalitas atau lambang-lambang.
Perbedaan Konsentrasi dan Meditasi
Terdapat perbedaan jelas antara konsentrasi dan meditasi, meskipun keduanya dalam pelaksanaannya berhubungan. Pengertian konsentrasi ialah untuk memahami dan menguasai pikiran-perasaan sehingga ia tidak lagi menanggapi dengan kacau terhadap suatu peristiwa. Latihan-latihan konsentrasi adalah suatu pendidikan kembali mengenai tekniknya pikiran-rendah, sehingga ia menurut perintahnya sang Pribadi, dan menghentikan sifatnya yang bergerak kian kemari dan tidak menentu. Atau dengan kata lain, konsentrasi adalah sebuah upaya keras (baca: dipaksa) untuk memusatkan pada sesuatu, hal ini dianggap bukanlah bagian/tahapan meditasi.
Sedangkan tujuan meditasi ialah melatih pikiran, dalam keadaan tenang, dan beristirahat/ berhenti pada pokok yang dipilih, lebih baik pada hal yang mengandung arti yang dalam dan rohaniah, sehingga pokok-caranya dapat membukakan kesadaran yang sedang bermeditasi akan arti makna yang lebih luas dan dalam.
Dalam ajaran Budha terdapat sebuah tahapan meditasi, yaitu Dharana yang berarti pemusatan perhatian tanpa paksaan. Pemusatan perhatian tidaklah berarti anda kosong. Sebagaimana namanya pemusatan perhatian, perhatian anda tertunjukkan pada sesuatu. Tidak dianjurkan bagi anda untuk berada dalam keadaan kosong seratus persen karena ini mungkin dapat membiarkan masuknya kekuatan dari luar yang dapat mengganggu. Meditasi tingkat tinggi biasanya mengajarkan untuk memusatkan perhatian ke cakra mahkota untuk menerima lebih banyak kekuatan spiritual, atau ke antara alis mata untuk membangkitkan mata spiritual, ataupun ke cakra jantung untuk memberikan lebih banyak kekuatan kepada roh. Jadi, tidaklah kosong sama sekali.
MANFAAT MEDITASI
Menurut ajaran Buddhis, meditasi adalah suatu cara untuk mengembangkan bathin menuju taraf kesempurnaan yang selanjutnya menjadi dasar dari kebijaksanaan. Latihan meditasi dengan pemusatan fikiran pada pernafasan disebut Anaspanasati. Dengan metode ini, fikiran tetap terjaga dengan baik dan senantiasa terkontrol, dengan demikian membuahkan jasmani dan rohani yang selalu jernih dan segar. Juga daya fikir bertambah kuat dan tajam, membawa pada kecerdasan otak.
Meditasi bisa mengurangi kecemasan telah diselidiki oleh tokoh-tokoh sarjana Barat, seperti pada penyelidikan Zen Meditation, dan kemudian pada penyelidikan Transcendental Meditation. Tetapi kajian di barat juga telah membuktikan 33% hingga 50% mereka yang melakukan meditasi tanpa teknik yang betul akan mengalami peningkatan dalan tekanan darah, stress, kemurungan serta mudah marah. Maka jika anda benar-benar ingin mendalami meditasi, pastikan anda dilatih oleh mereka benar-benar mahir dan berpengalaman serta mampu memberi penjelasan untuk setiap keadaan.
Dalam latihan Meditasi Islam, perkara yang harus diperhatikan ialah bagaimana mereka dapat menemukan makna dan tujuan hidup yang memberikan sense of direction, justeru dapat mengatasi pelbagai masalah serta meningkatkan produktivitas dan meningkatkan kesehatan.
Tujuan dari meditasi ini adalah kesunyian yang indah, keheningan dan kejernihan pikiran.
AGAMA DAN MEDITASI
Meditasi bukan hanya dikenal oleh agama yang berasal dari India & Tiongkok saja bahkan hampir disemua agama mereka mempraktekan meditasi. Meditasi dalam agama Yahudi dikenal dengan nama hitbonenut ini bisa dibaca di Kabbalah sedangkan bangsa Yunani kuno mengenal meditasi dengan nama “Gnothi se auton” = “mengenal diri sendiri”.
Menurut kepercayaan orang India/Hindu, bahwa di udara bebas ini terdapat unsu-unsur gaib yang bersatu dengan zat asam (oksigen). Unsur-unsur gaib itu berupa zat yang sangat halus sebagai inti dari segala zat yang menjadi roh dari alam. Zat tersebut sedemikian halusnya hingga tak dapat ditanggapi dengan panca indera, maupun dengan alat-alat apapun.
Zat ini mempunyai tenaga gaib yang amat berkuasa untuk berbagai macam kepentingan, antara lain untuk penyembuhan penyakit. Zat inilah yang mereka beri nama Prana. Cara mendapatkan zat gaib atau prana tadi ialah dengan jalan pernafasan yang diatur dengan irama tertentu, yang menurut kepercayaan mereka sesuai dengan irama gerakan alam.
Beberapa cara meditasi melibatkan pengulangan suara tertentu secara internal, dan menganjurkan kepada para pelakunya agar tidak terlalu melakukan konsentrasi. Teknik seperti itu akan menyegarkan dan membuat orang relaks, namun untuk peningkatan rohani, konsentrasi tetaplah sangat perlu - yaitu usaha intensif untuk memfokuskan pikiran pada mantra.
Meditasi ada dua macam, yaitu meditasi duduk dan meditasi gerak (Tai-Chi). Meditasi duduk ini sebenarnya sudah diperkenalkan oleh Islam jauh sebelum Sidharta Gauthama lahir melalui ajaran Budhi Dharma. Meditasi ini juga sering dipraktikkan oleh Nabi Muhammad SAW ketika sebelum dan sesudah diangkat menjadi Nabi dan Rasul, yang pada saat itu disebut dengan berkhalwat dan tahannuts. Beliau melakukan meditasi di Gua Hira, ketika menghadapi masalah yang menimpa diri dan umatnya. Seperti halnya meditasi duduk, meditasi gerak juga sudah ada dalam ajaran Islam yaitu dalam bentuk gerakan shalat.
ISLAM DAN MEDITASI
Salah satu fase penting yang secara simbolik sering disebut sebagai mencerminkan corak misi yang dibawa oleh Nabi Muhammad adalah saat dia bertahannuts atau melakukan meditasi di Hira, sebuah gua di luar kota Mekah.
Setelah nabi mendapat wahyu pada 610 M, dia tidak terus tinggal di sana, menikmati meditasi yang soliter, menjauhkan diri dari masyarakat. Sebaliknya, ia balik ke kota, mendakwahkan ajaran-ajaran, dan melakukan apa yang dalam istilah sekarang disebut sebagai transformasi sosial.
Pada saat selanjutnya, Nabi saw pergi ke gua Hira hanya untuk bertemu dengan malaikat Jibril dengan tujuan tasmi? (memperdengarkan) hafalan Alqur’an beliau dihadapan Jibril. Maka, Gua Hira bukanlah tempat bertahannuts seperti yang dilakukan beliau sebelum diangkat menjadi Rasul. Tetapi dijadikan tempat untuk mengoreksi ayat-ayat Alqur’an yang telah diterimanya.
Al Qur’an dan Kesehatan
Arti Qur’an menurut pendapat yang paling kuat seperti yang dikemukakan Dr. Subhi Al Salih berarti ‘bacaan’, asal kata qara`a. Kata Alqur’an itu berbentuk masdar dengan arti isim maf’ul yaitu maqru` (dibaca). Adapun definisi Alqur’an adalah: “Kalam Allah swt. yang merupakan mu’jizat yang diturunkan (diwahyukan) kepada nabi Muhammad saw. dan ditulis di mushaf dan diriwayatkan dengan mutawatir serta membacanya adalah ibadah.”
Banyak ayat Al Qur’an yang mengisyaratkan tentang pengobatan karena AlQur’an itu sendiri diturunkan sebagai penawar dan Rahmat bagi orang-orang yang mukmin.
“Dan kami menurunkan Al Qur’an sebagai penawar dan Rahmat untuk orang-orang yang mu’min.” (QS. Al Isra/17: 82)
“(yaitu) orang-orang yang beriman dan hati mereka menjadi tentram dengan mengingat Allah. Ingatlah, hanya dengan mengingati Allah-lah hati menjadi tentram.” (QS. Ar Ra’d/13: 28)
Menurut para ahli tafsir bahwa nama lain dari Al Qur’an yaitu “Asysyifâ” yang artinya secara Terminologi adalah Obat Penyembuh.
“Hai manusia, telah datang kepadamu kitab yang berisi pelajaran dari Tuhanmu dan sebagai obat penyembuh jiwa, sebagai petunjuk dan rahmat bagi orang-orang yang beriman.” (QS. Yunus/10: 57)
Di samping Al Qur’an mengisyaratkan tentang pengobatan juga menceritakan tentang keindahan alam semesta yang dapat kita jadikan sebagai sumber dari pembuat obat- obatan.
“Dia menumbuhkan tanaman-tanaman untukmu, seperti zaitun, korma, anggur dan buah-buahan lain selengkapnya, sesungguhnya pada hal-hal yang demikian terdapat tanda-tanda Kekuasaan Allah bagi orang-orang yang mau memikirkan”. (QS. An-Nahl 16:11)
“Dan makanlah oleh kamu bermacam-macam sari buah-buahan, serta tempuhlah jalan-jalan yang telah digariskan tuhanmu dengan lancar. Dari perut lebah itu keluar minuman madu yang bermacam-macam jenisnya dijadikan sebagai obat untuk manusia. Di alamnya terdapat tanda-tanda Kekuasaan Allah bagi orang-orang yang mau memikirkan”. (QS. An-Nahl 16: 69)
Berdasarkan keterangan tadi, dapat dipastikan bahwa orang yang membaca Alqur’an akan merasakan ketenangan jiwa.
Banyak pula hadits Nabi yang menerangkan tentang keutamaan membacanya dan menghafalnya atau bahkan mempelajarinya.
“Sebaik-baik kalian adalah orang yang mempelajari Alqur’an dan mengajarkannya.” (HR Bukhori)
“Siapa saja yang disibukkan oleh Alqur’an dalam rangka berdzikir kepada-Ku, dan memohon kepada-Ku, niscaya Aku akan berikan sesuatu yang lebih utama daripada apa yang telah Aku berikan kepada orang-orang yang telah meminta. Dan keutamaannya Kalam Allah daripada seluruh kalam selain-Nya, seperti keutamaan Allah atas makhluk-Nya.” (HR. At Turmudzi)
“Tidaklah suatu kaum berkumpul di salah satu rumah (masjid) Allah, mereka membaca Alqur’an dan mempelajarinya, kecuali turun kepada mereka ketentraman, mereka diliputi dengan rahmat, malaikat menaungi mereka dan Allah menyebut-nyebut mereka pada makhluk yang ada di sisi-Nya”. (HR. Muslim)
“Hendaklah kamu menggunakan kedua obat-obat: madu dan Alqur’an” (HR. Ibnu Majah dan Ibnu Mas’ud)
Dan masih banyak lagi dalil yang menerangkan bahwa berbagai penyakit dapat disembuhkan dengan membaca atau dibacakan ayat-ayat Alqur’an (lihat Assuyuthi, Jalaluddin, Al Qur’an sebagai Penyembuh (Alqur’an asy Syâfî), terj. Achmad Sunarto, Semarang, CV. Surya Angkasa Semarang, cet. I, 1995).
Walaupun tidak dibarengi dengan data ilmiah, Syaikh Ibrahim bin Ismail dalam karyanya Ta’lim al Muta’alim halaman 41, sebuah kitab yang mengupas tata krama mencari ilmu berkata, “Terdapat beberapa hal yang dapat menyebabkan seseorang kuat ingatan atau hafalannya. Di antaranya, menyedikitkan makan, membiasakan melaksanakan ibadah salat malam, dan membaca Alquran sambil melihat kepada mushaf”. Selanjutnya ia berkata, “Tak ada lagi bacaan yang dapat meningkatkan terhadap daya ingat dan memberikan ketenangan kepada seseorang kecuali membaca Alqur’an”.
Dr. Al Qadhi, melalui penelitiannya yang panjang dan serius di Klinik Besar Florida Amerika Serikat, berhasil membuktikan hanya dengan mendengarkan bacaan ayat-ayat Alquran, seorang Muslim, baik mereka yang berbahasa Arab maupun bukan, dapat merasakan perubahan fisiologis yang sangat besar.
Penurunan depresi, kesedihan, memperoleh ketenangan jiwa, menangkal berbagai macam penyakit merupakan pengaruh umum yang dirasakan orang-orang yang menjadi objek penelitiannya. Penemuan sang dokter ahli jiwa ini tidak serampangan. Penelitiannya ditunjang dengan bantuan peralatan elektronik terbaru untuk mendeteksi tekanan darah, detak jantung, ketahanan otot, dan ketahanan kulit terhadap aliran listrik. Dari hasil uji cobanya ia berkesimpulan, bacaan Alquran berpengaruh besar hingga 97% dalam melahirkan ketenangan jiwa dan penyembuhan penyakit.
Penelitian Dr. Al Qadhi ini diperkuat pula oleh penelitian lainnya yang dilakukan oleh dokter yang berbeda. Dalam laporan sebuah penelitian yang disampaikan dalam Konferensi Kedokteran Islam Amerika Utara pada tahun 1984, disebutkan, Alquran terbukti mampu mendatangkan ketenangan sampai 97% bagi mereka yang men dengarkannya.
Kesimpulan hasil uji coba tersebut diperkuat lagi oleh penelitian Muhammad Salim yang dipublikasikan Universitas Boston. Objek penelitiannya terhadap 5 orang sukarelawan yang terdiri dari 3 pria dan 2 wanita. Kelima orang tersebut sama sekali tidak mengerti bahasa Arab dan mereka pun tidak diberi tahu bahwa yang akan diperdengarkannya adalah Alqur’an.
Penelitian yang dilakukan sebanyak 210 kali ini terbagi dua sesi, yakni membacakan Alquran dengan tartil dan membacakan bahasa Arab yang bukan dari Alqur’an. Kesimpulannya, responden mendapatkan ketenangan sampai 65% ketika mendengarkan bacaan Alquran dan mendapatkan ketenangan hanya 35% ketika mendengarkan bahasa Arab yang bukan dari Alqur’an.
Alquran memberikan pengaruh besar jika diperdengarkan kepada bayi. Hal tersebut diungkapkan Dr. Nurhayati dari Malaysia dalam Seminar Konseling dan Psikoterapi Islam di Malaysia pada tahun 1997. Menurut penelitiannya, bayi yang berusia 48 jam yang kepadanya diperdengarkan ayat-ayat Alquran dari tape recorder menunjukkan respons tersenyum dan menjadi lebih tenang.
Sungguh suatu kebahagiaan dan merupakan kenikmatan yang besar, kita memiliki Alquran. Selain menjadi ibadah dalam membacanya, bacaannya memberikan pengaruh besar bagi kehidupan jasmani dan rohani kita. Jika mendengarkan musik klasik dapat memengaruhi kecerdasan intelektual (IQ) dan kecerdasan emosi (EQ) seseorang, bacaan Alquran lebih dari itu. Selain memengaruhi IQ dan EQ, bacaan Alquran memengaruhi kecerdasan spiritual (SQ).
Mahabenar Allah yang telah berfirman, “Dan apabila dibacakan Alquran, simaklah dengan baik dan perhatikanlah dengan tenang agar kamu mendapat rahmat” (Q.S. 7: 204).
Atau juga, “Dan Kami telah menurunkan dari Alquran, suatu yang menjadi penawar (obat) dan rahmat bagi orang-orang yang beriman dan Alquran itu tidaklah menambah kepada orang-orang yang zalim selain kerugian” (Q.S.17:82).
Atau, “Ingatlah, hanya dengan berdzikir kepada Allah-lah hati menjadi tentram” (Q.S. 13: 28).
Unsur Meditasi Al Qur’an
Kitab ini, tentu saja bukanlah sebuah buku sains ataupun buku kedokteran, namun Alqur’an menyebut dirinya sebagai ‘penyembut penyakit’, yang oleh kaum Muslim diartikan bahwa petunjuk yang dikandungnya akan membawa manusia pada kesehatan spiritual, psikologis, dan fisik.
Kesembuhan menggunakan Alqur’an dapat dilakukan dengan membaca, berdekatan dengannya, dan mendengarkannya. Membaca, mendengar, memperhatikan dan berdekatan dengannya ialah bahwasanya Alqur’an itu dibaca di sisi orang yang sedang menderita sakit sehingga akan turun rahmat kepada mereka. Allah saw menjelaskan, “Dan apabila dibacakan Alqur’an, maka dengarkanlah baik-baik dan perhatikanlah dengan tenang agar kamu mendapat rahmat.” (QS. Al A’raf: 204)
Menurut hemat penulis, salah satu unsur yang dapat dikatakan meditasi dalam Alquran adalah, pertama, auto sugesti, dan kedua, adalah hukum- ukum bacaan yaitu waqaf.
Aspek Auto Sugesti
Alqur’an merupakan kitab suci umat Islam yang berisikan firman-firman Allah. Banyak sekali nasihat-nasihat, berita-berita kabar gembira bagi orang yang beriman dan beramal sholeh, dan berita-berita ancaman bagi mereka yang tidak beriman dan atau tidak beramal sholeh. Maka, alqur’an berisikan ucapan-ucapan yang baik, yang dalam istilah Alqur’an sendiri, ahsan alhadits. Kata-kata yang penuh kebaikan sering memberikan efek auto sugesti yang positif dan yang akan menimbulkan ketenangan.
Platonov telah membuktikan dalam eksperimennya bahwa kata-kata sebagai suatu Conditioned Stimulus (Premis dari Pavlov) memang benar-benar menimbulkan perubahan sesuai dengan arti atau makna kata-kata tersebut pada diri manusia. Pada eksperimen Plotonov, kata-kata yang digunakan adalah tidur, tidur dan memang individu tersebut akhirnya tertidur.
Pikiran dan tubuh dapat berinteraksi dengan cara yang amat beragam untuk menimbul kan kesehatan atau penyakit.
Zakiah Daradjat mengatakan bahwa sembahyang, do’a-do’a dan permohonan ampun kepada Allah, semuanya merupakan cara-cara pelegaan batin yang akan mengembalikan ketenangan dan ketentraman jiwa kepada orang-orang yang melakukannya.
Relaksasi
Aspek Waqof
Alqur’an adalah sebuah kitab suci yang mempunyai kode etik dalam membacanya. Membaca Alqur’an tidak seperti membaca bacaan-bacaan lainnya. Membaca Alqur’an harus tanpa nafas dalam pengertian sang pembaca harus membaca dengan sekali nafas hingga kalimat-kalimat tertentu atau hingga tanda-tanda tertentu yang dalam istilah ilmu tajwid dinamakan waqaf. Jika si pembaca berhenti pada tempat yang tidak semestinya maka dia harus membaca ulang kata atau kalimat sebelumnya.
Waqof artinya berhenti di suatu kata ketika membaca Alqur’an, baik di akhir ayat maupun di tengah ayat dan disertai nafas. Mengikuti tanda-tanda waqof yang ada dalam Alqur’an, kedudukannya tidak dihukumi wajib syar’i bagi yang melanggarnya. Walaupun jika berhenti dengan sengaja pada kalimat-kalimat tertentu yang dapat merusak arti dan makna yang dimaksud, maka hukumnya haram.
Jadi cara membaca Alqur’an itu bisa disesuaikan dengan tanda-tanda waqaf dalam Alqur’an atau disesuaikan dengan kemampuan si pembaca dengan syarat bahwa bacaan yang dibacanya tidak berubah arti atau makna.
Waqaf dalam Alquran
> Tanda awal atau akhir ayat
> Tanda awal atau akhir surat
> Tanda-tanda waqaf
Kemampuan nafas pembaca
Siapa saja bisa boleh membaca Alqur?an, baik anak kecil, muda maupun tua, baik pria maupun wanita selagi mereka dalam keadaan suci atau berwudlu. Jadi bagaimanapun kemampuan mereka bernafas mereka boleh membaca Alqur’an. Berhenti berdasarkan kemampuan nafas pembaca, dalam ilmu tajwid, bisa dikategorikan dalam bagian-bagian waqaf.
Adapula beberapa penekanan nafas dalam membaca Alqur’an. Penekanan-penekanan tersebut dalam ilmu tajwid dinamakan mad.
Indonesia adalah negara yang mayoritas umat Islam menerapkan hukum-hukum membaca Alqur’an menurut Rowi, Hafsh, yang telah berguru kepada imam ‘Ashim. Adapun hukum-hukum bacaan mad dalam ilmu Tajwid menurut Rowi Hafsh adalah:
1.Mad Munfashil, yaitu apabila terdapat mad bertemu dengan hamzah dalam kalimat yang terpisah. Cara baca hukum ini 4 harakat.
2.Mad Muttashil, yaitu apabila terdapat mad bertemu dengan hamzah dalam satu kalimat. Cara membaca hukum ini adalah 4 harakat.
3.Mad Badal, yaitu apabila terdapat hamzah yang berharakat bertemu dengan huruf mad yang sukun. Cara membaca hukum ini adalah 2 harakat.
Waktu Meditasi dengan Alqur’an
Pada hakikatnya tidak ada waktu yang makruh untuk membaca/meditasi Alqur’an, hanya saja memang ada beberapa dalil yang menerangkan bahwa ada waktu-waktu yang lebih utama dari waktu-waktu yang lainnya untuk membaca Alqur’an. Waktu-waktu tersebut adalah:
1. Dalam sholat
An-Nawawi berkata; ‘Waktu-waktu pilihan yang paling utama untuk membaca Alqur’an ialah dalam sholat.’
Al Baihaqi meriwayatkan dalam asy Syu’ab dari Ka’ab r.a. ia berkata: “Allah telah memilih negeri-negeri, maka negeri-negeri yang lebih dicintai Allah ialah negeri al Haram (Mekkah). Allah telah memilih zaman, maka zaman yang lebih dicintai Allah ialah bulan-bulan haram. Dan bulan yang lebih dicintai Allah ialah bulan dzulhijjah. Hari-hari bulan Dzulhijjah yang lebih dicintai Allah ialah sepuluh hari yang pertama. Allah telah memilih hari-hari, maka hari yang lebih dicintai Allah ialah hari Jum?at. Malam-malam yang lebih dicintai Allah ialah malam Qadar. Allah telah memilih waktu-waktu malam dan siang, maka waktu yang lebih dicintai Allah ialah waktu-waktu sholat yang lima waktu. Allah telah memilih kalam-kalam (perkataan), maka kalam yang dicintai Allah adalah lafadz ‘La ilâha illallâh wallâhu akbar wa subhanallâhi wal hamdulillâh.“
2. Malam hari
Waktu-waktu yang paling utama untuk membaca Alqur’an selain waktu sholat adalah waktu malam, Allah menegaskan, “Di antara Ahli Kitab itu ada golongan yang berlaku lurus, mereka membaca ayat-ayat Allah pada beberapa waktu di malam hari, sedang mereka juga bersujud (sholat).” (QS. Ali Imron 3:113)
Waktu malam ini pun dibagi menjadi 2:
- antara waktu Maghrib dan Isya
- bagian malam yang terakhir
3. Setelah Subuh
Sebagai penutup mudah-mudahan ini merupakan langkah awal untuk bisa lebih membuktikan unsur-unsur kesehatan dari Alqur’an, baik makna-maknanya, cara membacanya maupun lainnya.

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COMMERCE LEGAL FUNDAMENT FOREX

COMMERCE LEGAL FUNDAMENT FOREX

Before doing invesment, asks how commerce legality forex? Where must report if happened commerce mistake causing loss at investor? Commerce of forex admission in future trading, below(under observation Departemen Perdagangan, and arranged in the form of [code/law], that is Law No. 32 The year 1997. This done by its(the complex business character, high berisiko and entangles many party(sides in it. With existence, rule of law hence public can be protected against practice of harming commerces.

Arrangement of Future trading

There is two arrangement layers in future trading. Layer firstly done by Futures exchange in this case Futures Exchange Jakarta/BBJ and clearing house expects in this case Kliring Berjangka Indonesia/KBI through as of ldf regulation. Second layer done by Badan Pengawas Perdagangan Berjangka Komoditi ( Bappebti), what represents government ( Department of Commerce). Third the institute together arranges future trading in Indonesia to be created honest and fair future market.

Arrangement of Commerce of Forex

Because included in future trading hence commerce of forex arranged in Law NO 32 the year 1997, especially chapter VII. This [code/law] include;covers rule about things having the character of public, institution, permit, commerce mechanism, pembukuan/pelaporan and law applying.

Chapter VII from Law No. 32 The year 1997 arranging execution of future trading which for example studying guidance of behavior of tycoon to expect, that is company entitled executes sell order and buys client or investor. Section 51 of Commercial legislation expects this explains that tycoon expects before me1aksanakan transaction of financial futures for client, [is] obliged to draw margin from client for the transaction guarantee where the margin cans be in the form of certain money and/or marketable securities.

Tycoon expects is obliged to treat margin property of client is including addition of fund result of transaction of the client as fund property of client. Fund property of this client is obliged to kept in account which separated from tycoon account to expect in bank agreed by Bappebti. The deposit fund can only be pulled from separate account, for payment of other commission and cost referring to the transaction of financial futures dan/ or for other to comand written from the client.

With guarantee section 51 Law no. 32 The year 1997 is, investor is not necessarily worry fund remited by it to brokerage house will be misused. Still, do not mean investor may choose any pialang/broker, must be observed also its(the kapability and credibility.

Supervisor Body

One of excess in invests in future trading especially forex with existence of supervisor body from government. In Law No. 32 The year 1997 government of Indonesia contends that Badan Pengawas future trading merupa-kan job(activity unit which below and responsible to The Minister of Trade, which so called Badan Pengawas Perdagangan Berjangka Komoditi ( Bappebti).

FOREX in PUNISHING ISLAM/Moeslime

In its(the book Prof. Drs. Masjfuk Zuhdi is entitling MASAIL FIQHIYAH; Kapita Selecta Hukum Islam, obtained that Forex ( Foreign exchange Commerce) enabled in punishing islam. Commerce of foreign currency arisings from existence of commerce of goods kebutuhan/komoditi inter-states having the character of international. Commerce ( Ekspor-Impor) this of course requires equipment of payee that is UANG which each of state has rule x'self and differs in one other same as according to offer and request between the nations causing arises Diffrent Nominal MoneyKurs/
PERBANDINGAN NILAI MATA UANG
inter-states.

Comparison of inter-states currency value collected in a BURSA or PASAR is having the character of international and tied in an agreement with mutual profitting. Currency value a state with this other state changes ( fluctuation) every when according to its(the supply and demand volume. Existence of this supply and demand generates transaction of currency. Manifestly only tukar-menukar different currency assessed.

FOREIGN EXCHANGE TRANSACTION in PUNISHING ISLAM

There Is Ijab-Qobul: ---> There is agreement to give and receives • Seller delivers goods and buyer to pay in cash. • its(the Ijab-Qobul is done by mouth, article and courier. • Buyer and seller has authority full of executing and does law actions ( sensible and adult)

Up to standard become transaction object of merchant that is: • Holy of its(the goods ( non excrement) • Can be exploited • Can be diserahterimakan • Explains goods and the price • Sold ( bought) by owner of his own or its(the power to permit from its(the owner • Goods had resided in hand [by] it if its(the goods is obtained with reward. Need to be added opinion Muhammad Isa, that the arbitrage enabled in religion.

????????????????????????????
" You doesn't buy fish in water, because in fact such sales contained deception".
( Hadis Ahmad bin Hambal and Al Baihaqi from Ibnu Mas'ud)

Not goods sales in place of transaction is enabled on condition that must be explained its(the characters or its(the marking. Then if goods as according to description of seller, hence its(the sales validity. But otherwise according to hence buyer had rights khiyar, mean may continue or cancels its(the sales. This thing is as according to hadis Nabi history Al Daraquthni from Abu Hurairah:

??????????????????????????????
Goods who buys thing s(he doesn't see it, hence s(he khiyar [is] entitled to if s(he had seen it".

Result sales plants which still hiddening, like ketela, potato, onion etcetera also is enabled, of gave a lead [by] it, because will find difficulties or loss if having to releases all crop results hiddening to be sold.

This thing is as according to Islam law method:

????????????????
The difficulty draws amenity. And so do goods sales which terbungkus/tertutup has, like canned goods, LPG, etcetera, asalkam is given lable explaining its contents. Vide Sabiq, op. cit. thing. 135. About above mentioned Islam law method text, vide Al Suyuthi, Al Ashbah wa al Nadzair, Mesir, Mustafa Muhammad, 1936 things. 55.

FOREIGN CURRENCY SALES AND SHARE

The concerned foreign currency is overseas currency as of American dollar nymph, British L, two-and-a-half rupiah Malaysia etcetera. If between states happened international trade hence every state requires foreign currency for equipment of overseas payee which in commerce world called as foreign exchange. For example Indonesia exporter will obtain foreign exchange from result of its(the export, on the contrary Indonesia importer requires foreign exchange to import from outside country.

Thereby will arise offer and perminataan in foreign exchange. every authoritative state full specifying its(the exchange rate is each ( rate is comparison of its(the money value to foreign money) for example 1 American dollar = Rp. 12000. But exchange rate or comparison of exchange rate every when can be fluctuate, depend on strength of each political economy. Record-keeping of exchange rate and transaction of foreign currency sales is carried out in Foreign exchange ( A. W. J. Tupanno, et. al. Economic and Koperasi, Jakarta, Depdikbud 1982, the 76-77)

RELIGIOUS ADVICES MUI ABOUT FOREIGN EXCHANGE COMMERCE

Council Religious Advices Syari'ah Nasional Majelis Ulama Indonesia no: 28/DSN-MUI/III/2002, about Currency Sales ( Al-Sharf).

CONSIDERS :

That in a number of activities to fulfill various needs, often is required transaction of currency merchant ( al-sharf), either between conspecific currencies and also between different currencies of type.

That in ' urf tijari ( tradition of commerce) transaction of currency sales is recognized [by] some form of transactions which its(the law status in looking into Islam teaching to differ in between one forms with other form.

That that activity of the transaction is done as according to Islam teaching, DSN considers necessary specifies religious advices about al-Sharf to be made guidance.

REMEMBERS :

" Firman Allah, QS. Al-Baqarah[2]:275: "... And God has permitting sales and illicit of lap..."

" Hadis history prophet al-Baihaqi and Ibnu Majah from Abu Sa'id al-Khudri:Rasulullah SAW uttered, ' In fact the sales shall only be done on the basis of alacrity ( between both partieses)' ( HR. al-baihaqi and Ibnu Majah, and assessed [by] shahih by Ibnu Hibban).

" Hadis Nabi Riwayat Muslim, David Ash, Tirmidzi, Nasa'i, and Ibn Majah, with text Muslim from ' Ubadah bin Shamit, Nabi s.a.w word: "( Sells) gold with gold, silver with silver, grist with grist, sya'ir with sya'ir, date with date, and salt with salt ( denga condition must) conspecific and same and in cash. If its(the type differed, sold as of your will;desire if it is done in cash.".

" Hadis Nabi history Muslim, Tirmidzi, Nasa'i, Abu Daud, Ibnu Majah, and Ahmad, from Umar bin Khattab, Nabi s.a.w word: "( Merchant) gold with silver is lap except ( done) in cash."..

" Hadis Nabi history Muslim from Abu Sa'id al-Khudri, Prophet s.a.w word: You doesn't sell gold with gold except same ( its(the value) and doesn't add partly to some other; doesn't sell silver with silver except same ( its(the value) and doesn't add as to some other; and doesn't sell the gold and silver which is not cash with cash.

" Hadis Nabi history Muslim from Bara ' bin ' Azib and Zaid bin Arqam : Rasulullah saw prohibits sells silver with gold in receivable ( not cash).

" Hadis Nabi history Tirmidzi from Amr bin Auf: " Agreement can be done among the muslimin, except lawful illicit agreement or permits illicit; and the muslimin tied with their conditions except lawful illicit conditions or permits illicit."

" Ijma. Moslem scholar mutuallies agree to ( ijma') that engagement letters al-sharf is disyariatkan with certain conditions.

PAYS ATTENTION TO:

Letter from pimpinah Bank Moslem law Business Unit BNI no. UUS/2/878

Meeting participants opinion Pleno Dewan Syari'ah Nasional at Hari Kamis, date of 14 Muharram 1423H/ 28 Marchs 2002.

DECIDES

Council Syari'ah Nasional Menetapkan : RELIGIOUS ADVICES ABOUT CURRENCY SALES ( AL-SHARF).

Firstly : Common Rule

transaction of Currency sales in principle may as follows:

Not to speculation ( speculative).

There is requirement of transaction or awake ( deposit).

If transaction is done to conspecific currency hence its(the value must be same and in cash ( at-taqabudh).

If different of type hence must be done with exchange rate ( rate) what applied at the time of transaction and in cash.

Second : Transaction types of Foreign currency

Transaction SPOT, that is transaction of purchasing and cambism for delivery at that moment ( over the counter) or its(the solution is slowest within two-day. Its(the law is may, because assumed [by] cash, while two-day time is considered to be [by] finishing process which cannot be avoided and is international transaction.

Transaction FORWARD, that is transaction of purchasing and sale of foreign exchange assessing it specified at present moment and implemented for in the future, between 2x24 hours up to one years. Its(the law is illicit, because price applied is price promised ( muwa'adah) and its(the delivery is done later, though the price of when the delivery is not necessarily the same with value agreed on, except done in the form of forward agreement for requirement which cannot be avoided ( lil hajah).

Transaction of Commercial forward contract that is a contract purchasing or sale of foreign exchange with spot price combined with purchasing between sales of the same foreign exchange with forward price. Its(the law is illicit, because containing element maisir ( speculation).

Transaction OPTION that is contract to obtain rights for the agenda of buying or the right to sell which is not must be done to a number of foreign currency units at the price and duration or date of certain end. Its(the law is illicit, because containing element maisir ( speculation).

Third : This religious advices applied commencing from the date of specified, with rule if later simply there is mistake, will be changed and made perfect properly.

Specified in : Jakarta

Date : 14 Muharram 1423 H / 28 Marchs 2002 M

NATIONAL SYARI'AH COUNCIL CEREMONY OF MOSLEM SCHOLAR INDONESIA

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Admin Street:3553 apple grove dr.
Admin City:beavercreek
Admin State/Province:Ohio
Admin Postal Code:45430
Admin Country:US
Admin Phone:+1.9376207534
Payment Method: PayPal,AlertPay
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THE SWIFT CODES BANK INDONESIA

SWIFT Code BANK OF INDONESIA
Bank Code
Bank Mandiri BMRIIDJA
Bank Syariah Mandiri BSMDIDJA
BNI (Bank Negara Indonesia) BNINIDJA
BRI (Bank Rakyat Indonesia) BRINIDJA
BCA (Bank Central Asia ) CENAIDJA
Bank Bukopin BBUKIDJA
ABN AMRO Bank ABNAIDJA
Bank Artha Graha ARTGIDJA
Bank Bumiputera Indonesia BUMIIDJA
Bank Niaga BNIAIDJA
Deutsche Bank AG DEUTIDJA
Bank Mizuho Indonesia MHCCIDJA
Hongkong and Shanghai Banking (HSBC) HSBCIDJA
Bank Internasional Indonesia (BII) IBBKIDJA
Bank Indonesia INDOIDJA
Lippobank LIPBIDJA
Bank NISP NISPIDJA
Bank Rabobank International Indonesia RABOIDJA
Bank Tabungan Negara (BTN) BTANIDJA
Bank UOB Indonesia UOBBIDJA
Bank Maybank Indocorp MBBEIDJA
Bank Chinatrust Indonesia CTCBIDJA
Bank Sumitomo Mitsui Indonesia SUNIIDJA
Bank OCBC Indonesia OCBCIDJA
Bank DBS Indonesia DBSBIDJA
Bank Mega MEGAIDJA
Bank of China, Jakarta Branch BKCHIDJA
Hagabank HAGAIDJA
CONTOH : Menggunakan Bank Wire
Funding by a Bank Wire Transfer

Wiring of funds is the preferred and the fastest way to transfer funds. Please allow 1-3 business days for the funds to be credited to the customer's account.


How to deposit using a bank wire:
Step 1. Go to your bank

Step 2. Fill the bank wire form (please ask your bank customer service to help you)


Step 3. Scan and Send the wire receipt to:xxxx@xxxxx.com


Please allow 1-3 days to arrive into your trading account



You can transfer through your bank, example: from HSBC, Citibank, Bank BCA, etc


Below is our bank account number

JPMorgan Chase Bank, N.A.
(1 Chase Manhattan Plaza, New York, NY 10081. USA)


* ABA Number: 021000021
* Account Number: 799826920
* Swift Code: CHASUS33
* Account Name (Beneficiary): FXDD Malta, LTD
* Special Instructions: (Please specify your name and login number here)


Beneficiary Address:
FXDD
K2, First Floor
Forni Complex,
Valleta Waterfront
Floriana, FRN 1913
Malta, European Union


Deposit - STEP 2 of 3
(Go to your bank and fill this wire form in there)

Below is the example of bank wire form

Deposit by JP Morgan Bank
Example of bank wire deposit form to JPMorgan Chase Bank



Deposit - STEP 3 of 3
(Scan and Send the wire receipt)

Email to finance@gainscope.com
Subject Deposit to account: YOUR_LOGIN_NUMBER (YOUR_NAME)
Attachment
File
Your scanned Wire Transfer Receipt in JPG, GIF or PDF file format
Email Content Dear Accounting,

I have made a deposit USD$DEPOSIT_AMOUNT to my account YOUR_LOGIN_NUMBER.

I have attached my wire receipt. Please proceed it as soon as possible.

Thank you

Kind Regards,
YOUR_NAME



NOTES:
  • Please mention your login number in the transfer memo
  • Write your name completely (must be same as your trading account name)
  • All redemption request will be returned the way the funds were received.
  • We does not accept 3rd party deposits.
  • You are free to withdraw any funds you deposit, at any time, 24 hours a day, 7 days a week.
  • Please allow 1-3 business days for the funds to be credited to the customer's account.
  • Usually the bank wire cost is around $10-$20 for full amount transfer.
  • Deposit with other Currencies will be converted automatically to USD.

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Your Money Currency Converter

 
Disclaimer: We do not promote or endorse any programs listed here. Some programs may be illegal depending on your country's laws. Past Performance of any of programs is no guarantee for the same or similar future performance. Paying status and others status is for this monitor not for your. We don't give practice, all investments decisions are yours. Please bear in mind that all HYIPs investments presuppose high risks. DON'T SPEND WHAT YOU CAN'T AFFORD TO LOSE! | Monitoring by HYIP GARUDA MONITOR| cheap international calls
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