Harga Emas, Perak, Platinum, Palladium

The Best Investment Special Business Indonesia


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


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

Footbal TV Schedule


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:

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


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:

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

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


3% Fixed Daily Profit For 90 Business Days.
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:

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


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:

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

The Money Galaxy

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

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:

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

FX Easy Trade !

Welcome to FX Easy Trade !


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


Bank Of 7-Exclusive Instant Withdraw

Bank OF7-Exclusive Investment Instant Withdraw

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:
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:
Royalty7 - Rate Banner
Support: Royalty7@Members.only
Payment Method: Liberty Reserve, Perfect Money, AlertPay, SolidTrustPay

Register For Free Today!

Allworld HYIP- Top Life Time Automatic Instant


1%-3% monthly until you receive 200%.
Payments everyone 10th of each month.
Pay directly to e-currency.
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:
AllworldHYIP - Rate Banner
Support: allworldhyip@gmail.com
Payment Method: Liberty Reserve
2708578, 972303, 3611225, U8987271

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.
1%-3% daily for lifetime.

200% after one week
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:

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

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.
200% after one week

1%-3% daily forever.
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 IP:
RTB Club - Rate Banner
Support: admin@rtb-club.com
Payment Method: Liberty Reserve, Perfect Money

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.
3% daily for lifetime.

200% after one week
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 IP:

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

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.
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 IP:

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

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
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


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.
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:
Expert Portfolio - Rate Banner
Support: admin@expertportfolio.com
Payment Method: Liberty Reserve, Perfect Money
U8854190, U4009588

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.
50% daily for 5 days
1%-3% daily for lifetime.
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:

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

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.

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:
Global Bond Fund - Rate Banner

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

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.
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 IP:
Green Financial Services - Rate Banner
Support: admin@green-fs.biz
Payment Method: Liberty Reserve


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:

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


Invest : BaseBucks-200%Back ASAP!


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


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 $3 with flexible rate until you reach 200% ROI
- automatic payment to LR, calendar days earning, principal included
- LR only
- 5% referral commission
for the cycler :
- investment must be a multiplication of 3$ (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 )
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

Admin Hyip Garuda

Minggu, 22 Juli 2012




 Sukhoi Superjet 100 dari Russia adalah pesawat penumpang canggih. Namun akhirnya harus menabrak tebing di Gunung Salak  yang memang sering memakan korban. Mari bersama dilihat dari sisi supranatural.
Gunung Salak sebenarnya berdiri dengan anggun di wilayah Kabupaten Sukabumi dan Kabupaten Bogor, Jawa Barat. Gunung ini mengagumkan dan itu sebabnya banyak pendaki gunung yang melakukan pendakian di sana. Sebenarnya gunung itu tidak begitu tinggi yaitu 2.221 meter dibanding dengan pegunungan lain di Jawa yang mencapai 3000 meter lebih. Namun kenapa gunung ini menyimpan misteri kecelakaan-kecelakaan pesawat berujung maut?
 Setidaknya kecelakaan pesawat yang pernah terjadi di sekitar Gunung Salak antara lain Helikopter Sikorsky, Pesawat Cessna, Pesawat Cassa, Pesawat latih jenis Sundowner, Helikopter Puma dan terakhir Pesawat Sukhoi Superjet 100 yang sedang melakukan joy flight saat pengetesan dan promosinya untuk maskapai-maskapai di Indonesia, hilang kontak di kawasan Gunung Salak, Bogor, pada hari Rabu 9 Mei 2012 
Pesawat Sukhoi buatan Rusia kali ini jatuh dengan kondisi mengenaskan. Badan pesawat pecah berkeping-keping. Mirip seperti sebuah gelas yang dilempar ke dinding dengan sangat keras.
 Pesawat tersebut dioperasikan oleh pilot senior terbaik Rusia yaitu Aleksandr Yablontsev, co-pilot Aleksandr Kochetkov. Dan terdapat 45 penumpang, 8 di antaranya merupakan kru asal Russia, 2 orang Italia, satu orang warga negara Perancis dan satu orang warga negara Amerika.
 Tak hanya pesawat, manusia yang sedang mendaki pun terkadang bisa ‘hilang kontak’ di kawasan Gunung Salak. Pada April tahun 1987 lalu, pernah ada pula tujuh pendaki dari siswa STM Pembangunan, Jakarta Timur, ditemukan tewas di kawasan gunung itu. Mereka terperosok ke jurang di Curug Orok yang memiliki kedalaman sekitar 400 meter di punggung gunung.
 Gunung Salak lebih populer sebagai ajang tempat pendidikan bagi klub-klub pecinta alam, terutama sekali daerah punggungan Salak II. Ini dikarenakan medan hutannya yang rapat dan juga jarang pendaki yang mengunjungi gunung ini. Gunung ini memiliki jalur yang cukup sulit bagi para pendaki pemula. Hal ini dikarenakan di jalur yang dilewati jarang ditemukan cadangan air.
 Gunung Salak memiliki keunikan tersendiri baik karakteristik hutannya maupun medannya. Untuk tipe gunung serendah itu, Gunung Salak termasuk memiliki medan yang tergolong sulit ditembus, itu sebabnya gunung ini sangat cocok dijadikan lokasi latihan oleh berbagai kalangan pencinta alam dan militer.
 Di wilayah gunung Salak, untuk mencari sumber mata air saja, pendaki tidak boleh sembarangan mengambilnya dari anak-anak sungai disana karena hampir semua air di sungai tersebut masih mengandung sulfur yang berbahaya untuk tubuh.
Di kawahnya yang juga disebut “kawah ratu” masih terdapat sumber sulfur dan belerang baik berupa gas, uap ataupun kubangan yang panas dan mendidih. Pernah juga siswa-siswa SMP di Jawa Barat dan jjuga masih ada sederet peristiwa di wilayah “kawah ratu” ini yang meninggal dunia. Ini diakibatkan kawah tersebut dapat dengan tiba-tiba mengeluarkan asap belerang yang dapat meracuni paru-paru. Karena kondisi inilah, maka Kawah Ratu dianggap angker dan berbahaya oleh para pencinta alam.
 Masyarakat Sunda yang tinggal di sekitar Gunung Salak meyakini disanalah tempat bersemayam dan turunnya para Batara dari Kahyangan sehingga sering disebut gunung kabuyutan. Peran gunung sebagai kabuyut dapat dilihat dari cerita-cerita rakyat dan juga tuturan para pini sepuh. Gunung Salak ini juga dipercaya merupakan asal usul kehidupan sehingga siapa yang dapat menemukan hakekatnya akan menjadi manusia arif.
 Menurut masyarakat, nama Salak berasal dari Siloka dan salaka yang berarti simbol atau tanda dan juga asal-usul. Masyarakat adat disana periodik menggelar acara-acara ritual seperti seren taun, muludan, yang hakekatnya adalah penghormatan terhadap alam.
 Selain misterius dan memiliki keterkaitan kuat dengan kepercayaan adat, di Gunung Salak ditemukan penemuan arkeologis berupa bebatuan yang berbentuk Punden Berundak dari masa neolithikum atau zaman batu baru di daerah Bogor. Tempat penemuan arkeologis itu sampai sekarang masih terjaga dan terawat dengan baik. Masyarakat meyakini bahwa di tempat tersebut pada masa lalu adalah pusat kekuasaan Sunda pada zaman baheula.
Sedangkan di daerah Girijaya juga selain terdapat batuan berupa Punden Berundak, walau lebih kecil dari yang terdapat di Bogor. Punden berundak yang terdapat di Jalur Girijaya, bila kita hendak mendaki puncak gunung Salak ini, dipercaya juga sebagai petilasan dari Eyang Santri ketika beliau berkhalwat. Di daerah ini juga terdapat makam yang diyakini oleh masyarakat sebagai makam keramat. Pada malam hari, terutama malam-malam tertentu makam dipenuhi peziarah. Makam ini merupakan makan Eyang Santri.
 Siapa Eyang Santri?
Eyang Santri sesungguhnya adalah Pangeran Djojokusumo, kerabat dekat Trah Mangkunegaran, cucu kandung Pangeran Sambernyowo atau Mangkunegoro I dan anak kandung dari putera Sambernyowo yaitu Pangeran Prabuamidjojo.  di masa lalu Keraton Mangkunegaran hubungannya amat dekat dengan Trah Bangsawan-Bangsawan Madura terutama Pamekasan, karena bantuan mereka pada konflik Mataram sebelum Giyanti 1755. Pernikahan ini kerap kali dijodohkan, Pangeran Prabuamidjojo dijodohkan oleh Pangeran Sambernyowo ayahnya, yang juga Mangkunegoro I dengan Puteri Ayu Trikusumo, puteri Pangeran Cakraningrat penguasa Pamekasan, Madura. Dari pernikahan inilah lahir Pangeran Djojokusumo yang sejak lahir memiliki kekuatan daya pikir dan daya batin yang linuwih.
Pangeran Djojokusumo lahir pada tahun 1770, di masa remajanya ia banyak berguru dengan banyak ulama, bahkan ia sampai belajar mengaji dan mendalami ilmu agama di Pasiriyan, Jawa Timur. Semasa muda ia bersahabat dengan Pangeran Sosroningrat dan Pangeran Jungut Mandurareja yang juga merupakan kakak dari Raden Mas Sugandi yang kelak menjadi Pakubuwono V. Adanya hubungan saudara antara Pangeran Djojokusumo dengan Pangeran-Pangeran dari Kasunanan Solo membuat dia semangkin akrab dan bersama-sama belajar sastra Jawa. Raden Mas Sugandi diangkat menjadi Putera Mahkota Pakubuwono sekitar tahun 1811 dan bergelar Adipati Anom Amangku Negoro III. Di masa inilah Pakubuwono IV memberikan latihan bagi Adipati Anom untuk mempelajari seluruh aspek kehidupan masyarakat, susastra dan segala permasalahan social agar kelak menjadi raja ia siap. Adipati Anom dibantu oleh Pangeran Jungut Mandurareja dan Pangeran Sosroningrat menyusun dasar-dasar pemerintahan, selain itu Pangeran Djojokusumo diminta bantuannya dalam nasihat-nasihat kepada Putera Mahkota.
Pada tahun 1814 Adipati Anom mencetuskan ide agar dibuat sebuah serat yang mempelajari seluk beluk masyarakat Jawa. Serat ini kemudian diperintahkan kepada satu tim yang terdiri dari : Raden Ronggosutresno yang telah berkeliling Jawa bagian Timur, Raden Ngabehi Yosodipuro II yang amat mengerti Jawa Bagian Barat serta Kyai Muhammad Ilhar yang tau masalah seluk beluk agama, disini kemudian semua fasilitas dibantu oleh Pangeran Jungut Mandurareja yang menguasai Perdikan Ngawonggo dan penguasa Klaten saat itu. Disini juga perlu dicatat tambahan-tambahan pihak yang membantu terselesaikannya serat centhini termasuk Pangeran Djojokusumo, masa serat centhini ini semasa dengan terbitnya sastra Serat Suryaraja yang berisi ramalan akan datang masanya Keraton Yogyakarta mengalahkan Keraton Surakarta dan menyatukan kerajaan Mataram ke dalam bentuknya yang semula.
Setelah selesainya Serat Centhini, Pangeran Djojokusumo tertarik dengan cerita-cerita yang diuraikan oleh Raden Ronggosutresno dan Sostrodipuro tentang keindahan Pulau Jawa, akhirnya Pangeran Djojokusumo memutuskan untuk berkeliling Jawa.
Dalam keliling Jawa itu ia menikmati keindahan Pulau Jawa yang ia catat ‘Sebuah Pulau yang teramat indah’. Ia kunjungi seluruh makam-makam keramat, ia kunjungi ulama dan ahli kebatinan dan ‘ngangsu ilmu’. Kemampuan ilmu-nya luar biasa tinggi. Pada tahun 1823 Pakubuwono V sahabatnya itu wafat dia dipanggil pulang ke Solo untuk menjadi penasihat Pakubuwono VI saat itu Pangeran Djojokusumo sedang berada di Sumedang, . Sesampainya di Solo ia merasakan akan ada perubahan besar di bumi Jawa, ia akhirnya bertapa sebentar di sebuah danau bernama Cengklik di pinggiran Kota Solo. Di danau itu ia mendapatkan wangsit bahwa ‘Jawa akan masuk ke pinggir jurangnya, tapi kelak Jawa akan bersinar cerah secerah matahari pagi’. Masa suram inilah yang membuat Pangeran Djojokusumo akhirnya sadar bahwa perang akan diiringi dengan kelaparan hebat.
Pangeran Djojokusumo membaca bahwa ‘sebentar lagi ada perang besar’ yang bisa menjadikan kemungkinan Raja Jawa kembali menguasai pelabuhan-pelabuhan penting di Semarang dan Tuban serta menguasai Surabaya kelak kalau Surabaya bisa ditaklukkan maka impian Sultan Agung akan tercapai dan Mataram kembali mewujud. Tapi apakah keadaan itu bisa terwujud. Pada tahun 1824 Pangeran Diponegoro menonjok Patih Danuredjo di Kepatihan karena persoalan patok jalan yang digunakan Belanda untuk membangun jalan dari Semarang-Yogya, patok jalan itu rencananya akan jadi jalan penghubung ke pusat jalan kota di Banaran, Banaran dijadikan tangsi terakhir Belanda sebelum masuk Yogyakarta. Pangeran Diponegoro menolak tanahnya dicaplok Belanda tanpa ijin ia akhirnya berkelahi dengan Pangeran Danuredjo dan konflik ini berkembang menjadi perlawanan massa.
Sehabis menonjok muka Patih Danurejo, Pangeran Diponegoro langsung menemui pamannya Pangeran Mangkubumi, pamannya berkata dengan amat hati-hati : “Emosimu akan menjadikan Jawa sebagai lautan darah” lalu Mangkubumi berkata lagi “Tapi kamu akan jadi pahlawan di hati rakyat, bila kamu memulai perang, hubungi banyak ulama, karena ulama-lah yang akan membelamu” dan Pangeran Mangkubumi merekomendasikan agar Pangeran Diponegoro menemui Kyai Abdani dan Kyai Anom ulama paling berpengaruh di Tembayat, Klaten juga menemui Kyai Modjo ulama yang berpengaruh di Modjo, Surakarta.
Pada Mei 1824, Pangeran Diponegoro mulai membangun jaringan ulama dan bangsawan, di Banyumas ia mendapat dukungan para Kenthol banyumasan dan para Bangsawan ningrat, di pesisir timur ia mendapatkan dukungan dari Pangeran Tjondronegoro II yang menguasai Tuban, Sidoardjo dan Mojokerto sementara di Solo ia disuruh bertemu dengan Pakubuwono VI. Pertemuan Pakubuwono VI dan Pangeran Diponegoro adalah titik paling penting Perang Jawa 1825-1830, karena dari jaminan Pakubuwono VI, Pangeran Diponegoro percaya diri melawan Belanda dan Antek-anteknya di Keraton Yogya. Pertemuan ini berawal dari kunjungan diam-diam Pangeran Diponegoro kepada Kyai Modjo, yang kemudian Kyai Modjo mengantarkan Pangeran Diponegoro ke rumah Raden Mas Prawirodigdoyo, penguasa Boyolali dan merupakan bangsawan paling radikal di jamannya. Raden Mas Prawirodigdoyo langsung menjamin akan menyediakan pasukan sejumlah 6000 orang yang bisa mendukung Pangeran Diponegoro. Lalu Raden Mas Prawirodigdoyo berkata “Dukungan ini bisa aku lakukan asal ada perintah dari Sinuwun Pakubuwono VI”.
Pangeran Diponegoro akhirnya disarankan untuk bertemu langsung dengan Sinuwun Pakubuwono VI, yang memfasilitasi pertemuan ini adalah Pangeran Mangkubumi, paman Pangeran Diponegoro yang luas koneksinya. Pangeran Mangkubumi menghubungi sahabat lamanya Pangeran Djojokusumo dan meminta Sinuwun agar berkehendak menjumpai Pangeran Diponegoro.
Pangeran Mangkubumi lalu datang ke kota Solo dan berkunjung ke rumah Pangeran Djojokusumo disana hadir Pangeran Jungut Mandurareja yang juga paman Pakubuwono VI, disini Pangeran Mangkubumi menjelaskan seluruh duduk persoalan kenapa Pangeran Diponegoro bermusuhan dengan pihak Kepatihan. Pangeran Djojokusumo dan Pangeran Jungut memperhatikan dengan seksama cerita Pangeran Mangkubumi, lalu setelah selesai cerita, Pangeran Jungut berkata “Akan ada pencaplokan tanah besar-besaran oleh Belanda untuk kepentingan kekayaan mereka, sekarang masalahnya berani atau tidak orang Jawa melawan orang Hollanda itu?” kata Pangeran Jungut, Pangeran Djojokusumo hanya memejamkan matanya dan mengheningkan jiwanya, lalu tak lama ia membuka matanya dan berkata
“Akan ada banjir darah di Jawa, dan ada gelombang kelaparan tapi setelah itu Jawa akan berjaya, akan menjadi seperti Majapahit. Aku mendukung dimas Pangeran Diponegoro, sebagai pemimpinku untuk melawan Belanda, tapi kita harus bermain strategis, kalau keponakan-ku Pakubuwono VI ketahuan mendukung Pangeran Diponegoro maka Solo akan dihantam habis, dibikin crah, dibuat huru hara, itu malah memperlemah barisan perlawanan, ada baiknya perjanjian dukungan dengan Pangeran Diponegoro dibuat diam-diam”. Akhirnya Pangeran Djojokusumo meminta agar Pangeran Mangkubumi menunggunya di desa Paras Boyolali, karena ia dan Pangeran Jungut akan mengajak Sinuwun Pakubuwono VI bertapa tiga hari di gunung Merbabu.
Pangeran Djojokusumo dan Pangeran Jungut Mandurorejo bertemu dengan Pakubuwono VI meminta agar Pakubuwono VI mendukung Pangeran Diponegoro, pertemuan ini juga dilanjutkan dengan perjalanan ke gunung Merbabu untuk mengajak Pakubuwono VI bertapa dan menenangkan diri untuk mengambil keputusan, setelah bertapa Pangeran Djojokusumo mengajak Pakubuwono ke desa Paras di Boyolali untuk berjumpa dengan Pangeran Mangkubumi, disinilah kemudian terjadi kesepakatan rahasia dimana Pembesar Yogyakarta dan Pembesar Surakarta sepakat melawan Belanda.
Setelah kesepakatan Paras, Boyolali. Mereka : Pakubuwono VI, Pangeran Djojokusumo dan Pangeran Jungut Mandurorejo serta serombongan pengawal menuju alas Krendowahono di sekitar Karanganyar, disini mereka berjumpa dengan Pangeran Diponegoro yang sudah ditemani Kyai Modjo dan Raden Prawirodigdoyo. Pertemuan ini menghasilkan kesepakatan saling tidak mengganggu antara pihak Solo dengan konflik di Yogyakarta dan apabila Solo diminta membantu Belanda dalam perang nanti, maka Solo akan memberi data-data intelijen kepada Pangeran Diponegoro serta melakukan ‘perang sandiwara’. Disini juga perlu dicatat seorang sastrawan muda bernama Ronggowarsito yang hadir dalam pertemuan di Krendowahono, kelak 20 tahun kemudian Ronggowarsito mencatat peristiwa ini sebagai bentuk rasa kebangkitan harga diri orang Jawa.
Singkatnya Perang Diponegoro meletus, ditengah Perang ketika Lasem berhasil direbut Sang Pangeran, ada pertemuan lanjutan yang membahas penghadangan pasukan di Semarang dan sabotase yang membutuhkan bantuan pihak Solo. Suatu malam Pangeran Diponegoro datang ke Keraton Surakarta, namun rencana ini bocor karena ada pengkhianat yang melaporkan kepada Belanda akan ada tamu dari Yogya tengah malam, pasukan Belanda datang mengepung Keraton dan mencari tamu itu, namun tidak ketemu, Kereta kuda Pangeran Diponegoro rupanya dipendam oleh prajurit Keraton dan Pangeran Diponegoro meloncati tembok alun-alun utara lalu berlari ke arah Pasar Kliwon dan bersembunyi di sana sampai lima hari.
Perang Diponegoro akhirnya selesai dengan kekalahan banyak pihak, Pakubuwono VI ditangkap karena terbongkar rahasianya oleh Residen Semarang yang menemukan banyak data dukungan Solo kepada Yogya. Pangeran Djojokusumo juga dicurigai terlibat oleh Belanda, namun Pangeran Djojokusumo akhirnya melarikan diri ke Bagelen lalu ke Cilacap, disinipun ia dikepung banyak pendukung Belanda dan dengan menyamar sebagai petani ia ke Sukabumi tepatnya ke desa Cidahu, disana ia menyamar sebagai petani cabe dan petani sawah, ia juga mengajar mengaji penduduk sana.
Di Cidahu, Pangeran Djojokusumo dipanggil eyang santri. Setelah Perang Diponegoro lama usai, di tahun 1850 datanglah beberapa orang santri utusan dari Solo yang mencari Pangeran Djojokusumo mereka meminta Pangeran pulang ke Solo, tapi Pangeran menolak dan memilih menjadi petani saja di desa Cidahu. Sejak itu Eyang Santri dikunjungi banyak pejuang dan aktivis politik yang menentang Belanda.
Usia Eyang Santri mencapai 159 tahun. Ia menjadi saksi berlangsungnya kekalahan Jawa dan bangkitnya rasa kebangsaan. Ia dikunjungi banyak ahli kebatinan dan para pemimpin politik. Di tahun 1880-an ia dikunjungi oleh Wahidin Sudirohusodo yang sedang berkeliling Jawa untuk menyadarkan fungsi pendidikan bagi kaum pribumi dalam menghadapi jaman modern. Pada suatu pagi Wahidin naik gunung salak dan berupaya menemui Eyang Santri, setelah dirumah eyang Santri, Wahidin disuruh mandi di kolam air panas dan bermeditasi.
Disana juga eyang santri mengajarkan tentang rasa kebangsaan, harga diri sebagai manusia dan kekuatan batin. Dari dasar-dasar yang ditanamkan Eyang Santri-lah maka Wahidin merasa kuat membangun rasa kebangsaan sebuah bangsa yang baru bangsa Indonesia. Selain Wahidin yang kerap datang ke rumah Eyang Santri adalah Dirk Van Hinloopen Labberton ahli teosofi Belanda yang belajar filosofi kebatinan Jawa.
Di awal tahun 1900-an HOS Tjokroaminoto dengan ditemani Sosrokardono juga kerap mampir ke rumah eyang santri, bahkan pembentukan afdeeling A Sarekat Islam di Garut mereka minta doa restu kepada Eyang Santri yang menanamkan rasa kebangsaan dan harga diri manusia untuk bebas. Pangeran ahli sufi dari Yogyakarta, Pangeran Suryomentaram juga pernah datang ke Cidahu, waktu itu ia masih amat muda, begitu juga dengan ahli tirakat Ndoro Purbo dan Drs. RMP Sosrokartono, ahli kebatinan Jawa sekaligus kakak Raden Ajeng Kartini, Raden Mas Panji Sosrokartono datang berguru ke Eyang Santri.
Bung Karno sendiri diajak oleh Tjokroaminoto ke Cidahu sebelum Bung Karno masuk ke THS (sekarang ITB) Bandung, setelah masuk ke THS beberapa kali Bung Karno datang menemui Eyang Santri dan digembeleng kekuatan batin untuk melawan Belanda.
Eyang santri wafat tahun 1829 di usianya yang 159 tahun. Itulah jasa Eyang sebagai guru sesepuh kebatinan para pejuang masa lalu kita.
Berikut wawancara imajiner saya dengan Eyang Santri:  
 Wongalus: Assalamualaikum
Eyang santri: Waalaikum salam wr wb.
 Wongalus: Sugeng siang, Rahayu Eyang… Mohon perkenaan eyang saya ingin menghadap untuk mohon wejangan dan pitutur.
 Eyang Santri: ya le silahkan….
 Wongalus: Eyang adalah guru para sesepuh kebatinan tanah Jawa, apa yang sesungguhnya terjadi dalam musibah jatuhya pesawat Sukhoi?
 Eyang Santri: Kesombongan di hati pilot dan manusia umumnya. Merasa hebat dengan ilmu-ilmu dunya sehingga mendapatkan celaka karena melanggar hukum alam, jadi alam yang mengingatkan mereka
 Wongalus: Apakah itu berarti ada yang dilanggar saat pesawat melintas diatas Gunung Salak?
 Eyang Santri: Pasti le.. pilot harusnya mengucapkan salam kepada semua penghuni gaib diwilayah ini dan itu tidak dilakukan. Di hati Pilot ada kesombongan dirinya punya banyak pengalaman dan di atas gunung yang kujaga ini malah ingin mempertunjukkan kesombongannya.
 Wongalus: lalu apa yang terjadi eyang?
 Eyang Santri: Sebenarnya sudah ada penghuni gaib masuk ke batin pilot untuk mengingatkan dan menyarankan agar pilot mengucapkan salam takzim kepada penghuni goib disemua wilayah bumi khususnya di wilayah gunung salak saat melintas di atasnya. Namun di batin pilot menolak memberi salam, awalnya perang batin terjadi pada diri pilot itu.
 Wongalus: selanjutnya?
 Eyang Santri: Pilot malah ingin mempertontonkan kepintarannya menyetir pesawat, ia turunkan pesawat dari ketinggian dan akhirnya menabrak gunung yang kami jaga ini. Kesombongan pilot membuat penghuni goib disini tersinggung dan mengganjarnya dengan musibah. Tamu harus tahu sopan santun.
 Wongalus: Astaghfirullahaladzim… korban telah jatuh eyang
 Eyang santri: Semoga Gusti Allah memberi tempat terbaik sesuai dengan amal perbuatan mereka. Bagi keluarga yang ditinggalkan, sabar dan tabah karena ini sudah takdir.
 Wongalus: Apa yang bisa kita ambil hikmah dan manfaat dari kejadian ini, eyang?
 Eyang Santri:  sehebat apapun ilmu dunya, tak akan mampu mengalahkan kekuatan alam dan kekuatan batin bangsa kita. Kita ini bangsa yang unggul karena disinilah kawah candradimuka dan sebagai pendidikan kekuatan batin manusia. Maka kalau ingin selamat dunia akhirat, pelajari dan kemudian olah batinmu dengan laku tirakat agar menjadi tajam akan tanda-tanda kekuasaan Gusti Allah. Gusti Kang Murbeng Dumadi, Sang Pencipta Alam semesta. Hargai dan hormati alam ciptaan Allah baik yang nyata maupun yang goib, jangan sekali kali merusak dan menunjukkan kesombongan karena nanti ada hukum karma sebab dan akibat.
 Wongalus: Terima kasih Eyang, petuah dan wejangan eyang ini akan bermanfaat bagi kami. Sungkem saya untuk semua sesepuh penghuni goib yang ada di sana.
 Eyang Santri: ya le… semoga yang membaca tulisanmu mendapatkan pelajaran kejadian ini.
 Wongalus: Assalamualaikum
 Eyang Santri: Waalaikumsalam wr wb

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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).


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/

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.


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.


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)


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


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.


" 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.


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.


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


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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
Bank Artha Graha ARTGIDJA
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Example of bank wire deposit form to JPMorgan Chase Bank

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