Legend of Pinto's Pinto Ring (RING TREASURY OF KING SULAIMAN)
Episode 60's

Albara was completely satisfied with the presentation of prof Husen, all of whom were presented had answered what he had to do to channel the trust of King Solomon as the owner of the pinto ring. Before opening the question and answer session prof Husen closed his paper, with some conclusions.

"That the legitimate money as a medium of exchange is gold and silver, where the value will always be the same anytime and anywhere"

"The application of gold and silver money will only occur if the government of one country enforces it"

"Banks are a necessity but need to be made a clean bank from usury practice."

"Allah strictly forbids the muslumins to practice usury instead the Muslims are strongly encouraged to do alms" Prof husen returned to his seat preparing to conduct a question and answer session.

During the question and answer session Albara asked prof Husen's opinion about his plan to establish a waqf and alms bank.

"Excius me, prof Husen.. My name is Albara. Ask prof Husen for an opinion.what if I make a wakap bank, where customers who borrow money for business purposes, with a profit sharing agreement but the risk is also borne together whether this is Halal?. Ask Albara.

"It sounds good, .. Indonesian youth is smart, it is not wrong if Muslims in the world have very big expectations on Indonesian youth."

"It's very clear that it's halal, even if it's difficult but it's worth trying. Especially the waqf capital from whom, will you install waqf boxes in the mosque?... Whatever it was worth trying, encourage Albara I was very supportive of his idea" then applauded all the participants and applauded.

"In an end-time hadith it is said that there was a time when everyone wanted to be together but no one wanted to receive anything, perhaps this was the beginning of the age, something extraordinary turned out to be the pioneer was a young man from Indonesia" prof Husen amazed.

"shaykh As-Sa’di rahimahullah in Tafsir As-Sa’di, explained that the usury will disappear, it could be invisible to the eye is destroyed or literally (shifatan), the blessing of the treasure will be lost. It may be that Allah has inflicted misfortunes or that Allah may uproot his wealth. If the usury he also infused, did not get the reward, even just add to his fall in various difficulties even fell into the abyss of hell"

"In contrast Shaykh As-Sa’di revealed again that alms that will make the treasure grow and increase in blessings. The reward of the almighty is increasing. Remember that the reply is in accordance with practice. Wealth can be destroyed because there are wrongful actions and take the property of others without the right path".

"I hope that all of us who attended this seminar do not be afraid to give alms, distribute alms through trust institutions. I hope in Tapus City there will be an institution that channels as much as Albara's idea".

"If Albara's idea really materializes I myself will budget funds for the bank of endowments and alms Albara every year. Are all those present also willing to channel their alms through waqf and alms banks?" ask prof husen at the seminar.

When the atmosphere returned silent Albara again asked a question again.

"Sorry prof Husen..I again beg prof Husen's opinion, about the form of a financial institution that is clean from usury" Albara grew excited.

"To support the idea of Albara I will describe the function of banks in Islam. Actually, the forerunner of existing banks has existed since Islam developed rapidly in Medina, where they made a temple mall, as a placeholder and distribution of waqf, alms, and alms, zakat and others who were aimed at the benefit of society" prof Husen looked at Albara

"According to Ahmad Ifham Sholihin in the Smart Book of Sharia Economics, in the term baitul mal means an institution or party that has a special task to handle all the property of the people, both in the form of income and state expenditure. The understanding is based on the description of Abdul Qadim Zallum in Al-Amwal fi Dawlah al-Khilafah".

"In addition, Ifham Sholihin also gives two other meanings. First, he interpreted it as a state institution that manages state revenues and expenditures sourced from zakat, kharaj (tax on agricultural land), and, jizyah (taxes charged to non-Muslim residents living in an Islamic country), ghanimah (spoils of war), kaffarat(fines), endowments, and others that are preached for the benefit of the ummah".

"Secondly, the temple mall is interpreted as a treasure house, which in the time of the Prophet SAW served as the treasury of the state".

"Formerly, the temple mall was a department dealing with the income and all things economic of the country. At the time of the Prophet Muhammad SAW, there was no permanent temple mall or public property, as all revenues earned by the state were distributed directly. There is no payroll, no state expenditure, and the mall temple in the public level has not been deemed necessary".

"In the development of history during the caliphate of Abu Bakr, the institution of temple malls is still not considered necessary. The Caliph made his own home to store money or state treasury, which he stored in sacks or pockets. However, because the distribution of property was done directly as in the time of the Prophet, the sack was more often empty".

"From there the initial concept of temple mall was built, which emphasizes the principles of equality and justice, and the benefit of the people. Baitul new mall physical form (place) during the caliphate of Umar bin Khattab".

"In the present, the term is known as baitul mal wat tamwil which is called BMT. Ifham Sholihin defines it as a non-governmental financial institution that serves to receive and distribute community funds. From there comes a fundamental difference about the concept of the application of the mall temple, namely the involvement of the State in its management. During the caliphate, the temple mall was a government agency that managed the finances of the state".

"While in modern times, it is a private institution that does not only serve as a recipient and distributor of property (mal) for those who are entitled to it, but also trying pengemem bang and from the property itself (tamwil), which is based on the principles of Islamic economics".

"Specifically for Akbara I am very supportive of his idea, if it is a real desire, I invite Albara after the event is finished we try to discuss it specifically, at my inn or through wa can also" prof Husen approached Albara and gave him his number.

Albara was very satisfied with prof Husen's explanation in his brain as it had been described step by step to be done in the establishment of waqf bank. Albara seemed impatient to want to implement as soon as possible and take into account who should be involved in the work. Not felt in following the discussion seriously, Albara dissolved in his own mind to not pay attention to the next question and answer, know the schedule was last and the seminar was closed by the moderator.