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8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
1/33
\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
8
^`g`gtp ^`iaoabhg Jhgm I`gpzpt ^`z|~`mtae A|ohi; \htp
\fzfthg Hsho 8
Hbihd H{zag Hdghg: dhg Shg Ifbd Qp|fe Shg Lbam
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
:
8'> ^`gdhbpophg
M`zth| aga t`ztpi~p m`~hdh ~`zjaglhgchg t`gthgc tach ~`zmhzh pthih'
^`zthih ahohb t`gthgc epgc|a ip|oai dhohi |a|t`i `mfgfia A|ohi= m`dph/
t`gthgc bpmpi j`zagt`zhm|a d`gchg ag|tatp|a ~`zjhgmhg i`gpzpt ~`z|~`mtae
A|ohi= dhg m`tach/ t`gthgc j`j`zh~h ~`g`gtp pthih ~`iaoabhg jhgm
i`gpzpt m`zhgcmh dhg hlphg A|ohi'
Dhohi ~`zmhzh ~`zthih hmhg da~`zoabhtmhg m`|agfgaihg mza|a| ~`iaoabhg
dhohi m`badp~hg ihgp|ah dhg jhchaihgh i`gchth|a ~`zih|hohbhg
t`z|`jpt' Dhohi ~`zmhzh m`dph ~poh hmhg da~`zjaglhgcmhg bpmpi
j`zagt`zhm|a d`gchg ag|tatp|a ~`zjhgmhg |`ohmp ~`gq`dah ~`zmbadihthg
|`jhchaihgh qhgc dabpkhbmhg fo`b ~hzh |hzkhgh A|ohi' Dhohi ~`zmhzhm`tach ~poh hmhg dam`t`gchbmhg `i~ht ~`g`gtp pthih ~`iaoabhg jhgm
i`gpzpt m`zhgcmh dhg hlphg A|ohi/ ahatp ~`ztaijhgchg bhoho/ bhzhi dhg
|qpjbht/ tpgtpthg i`glhza |`|phtp qhgc j`zmphoata/ ~pohgchg ih|ohbht/ dhg
~`gccpghhg j`zh|h|mhg m`~`zophg'
:'> Epgc|a Ip|oai dhohi \a|t`i @mfgfia A|ohi
Ihgp|ah dala~th |`jhcha bhijh Hoohb qhgc ~hdh ih|h qhgc |hih hdhohb
mbhoaehb qhgc dashmaomhg pgtpm i`gcpzp| jpia' Tadhm bhgqh daj`zamhg
hmho/ t`th~a kpch dajaijagc shbqp aohba i`ohopa ~`zptp|hg ~hzh ghja dhg
zh|po' \hih hdh da|`dhza hthp tadhm/ shmtp dhg p|ah ihgp|ah hiht t`zjhth|/
|`dhgcmhg ia|a |`jhcha bhijh dhg mbhoaehb ~`gpb d`gchg pkahg dhg
zagthgchg' M`t`zjhth|hg daza/ bhohgchg hohi qhgc dadahia dhg cfdhhg dhza
ip|pb hjhda i`i`zopmhg ihgp|ah t`zp| i`ijpht ~aoabhg dhohi
m`badp~hg' Fo`b atp/ jpmhgohb |`|phtp qhgc ophz jah|h pgtpm i`zpip|mhg
jhbhsh badp~ atp |`gdaza hdhohb mza|a| jaoh ihgh ihgp|ah |`gtah|h ~`zop
i`ijpht ~aoabhg dhohi |`choh bho'
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
^`g`gtp ^`iaoabhg Jhgm I`gpzpt C`ohcht ^`gccpgh
j`zt`zh|mhg A|ohi
Pipi i`gc`thbpa jhbhsh ihgp|ah |hoagc i`i`zopmhg hgthzh |htp |hih
ohag' Fo`b qhgc d`iamahg/ A|ohi t`ohb i`gq`dahmhg |htp |a|t`i
4btt~;&&sss'a|ohifgoag`'g`t&|`zuo`t&\ht`ooat`6~hc`ghi`9A|ohiFgoag`)Hzhjal)
H|mV\lbfohz&EhtshH&EhtshH%lad9 88::0:25:>>:2
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
8>
~`zbpjpgchg qhgc o`gcmh~ daghiha iphihohb0
pgtpm dakhdamhg |`jhcha
~hgdphg fo`b piht ihgp|ah' Ah i`glhmp~a |`choh bho `bsho m`badp~hg
|`~`zta pgdhgc)pgdhgc |f|aho/ m`m`ophzchhg/ `mfgfia/ ~foatam/
~`zo`ijhchhg/ ~`i`zagthbhg/ k`ghqhb dhg |`jhchagqh "Hjd' Khoao Jfzbhi/
8111;8!' \`lhzh h|h|/ iphihohb i`zp~hmhg |hohb |htp dhza~hdh dph
lhjhgc ~`gtagc |qhzahb |`ohag ajhdht qhgc j`zohgdh|mhg bpmpi)bpmpi
qhgc t`ohb dat`th~mhg dhohi A|ohi' I`gpzpt Ifbd \hoo`b Hbihd
"8111;:>!/ bpmpi)bpmpi qhgc j`zmhat d`gchg |qhzahb |`lhzh pipigqh
t`zjhbhca m`~hdh dph jhbhcahg' ^`zthih/ bpmpi)bpmpi qhgc
da~`zaglamhg' M`dph/ bpmpi)bpmpi qhgc dhthgc dhohi j`gtpm mh`dhb
dhg ~zag|a~)~zag|a~ pipi' Dhohi mfgt`m| iphihohb/ ah t`zcfofgc dhohi
jhbhcahg qhgc m`dph jhca i`i`gpba |`choh m`~`zophg ihgp|ah dhg
j`z|`|phahg i`gcampt ~`zpjhbhg {hihg/ t`i~ht dhg hdht' Bho qhgc
|`d`iamahg j`zt`~hthg d`gchg ~zag|a~ ihxh|ad |qhzaqqhb5 qhgc j`ztpkphg
i`glh~ha ih|ohbht hthp eh`dhb dhza ~`ohm|hghhggqh dhg i`gfohm
m`ipdhzhthg "Ho)\qhtaja/ t't;5!'
^`g`oatahg t`gthgc h|~`miphihohb aga |`j`ghzgqh t`ohb i`gc`t`gchbmhg
~`ojhcha |mf~ ~`gc`ztahggqh |`azagc d`gchg ~`zm`ijhgchg i`tfdfofca
~hzh epxhbh' \`lhzh ~`zjhgdagchg hgthzh ~`ojhcha ~`gpoa|hg |aohi d`gchg
~`gpoa|hg jhzp bpmpi A|ohi/ Ihbiffd [pbda Hjd' Ihkad "8111;80! t`ohb
i`zpip|mhg jhbhsh bpmpi iphihohb i`gpzpt ~`z|~`mtae |`ih|h
j`z|hgcmpt ~hpt d`gchg pzp|hg bhzth dhg ~`iaoamhg jhca |`|`fzhgc atp'
^`gc`ztahg aga j`zj`{h i`gpzpt ~`z|~`mtae |aohi qhgc i`oa~pta h~h kph
m`cahthg ihgp|ah' Pzp|hg bhzth dhg ~`iaoamhg aga i`zp~hmhg |hohb |htp
dhza~hdh m`cahthg `mfgfia' \`lhzh o`jab mbp|p|/ ah i`zpkpm m`~hdh
0Iphihohb i`gpzpt jhbh|h Hzhj j`zihm|pd pzp|hg badp~ |`lhzh pipi/ ihghmhoh Mhip|
D`shg i`gd`eaga|amhggqh |`jhcha |`choh ~`zmhzh hthp bho qhgc t`zcfofgc dhohi hthp qhgc
j`zmhathg d`gchg jadhgc ih|qhzhmht "Ihbiffd [pbda Hjd' Ihkad/ 8111= Mhip| D`shg
Jhbh|h dhg ^p|thmh/ :>>>!'5Tpkphg)tpkphg pipi hthp m`ih|ohbhthg j`|hz qhgc damhsho fo`b pgdhgc)pgdhgc A|ohi hthp
|qhzhm'
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
88
hgthzhgqh hmtauata ~`zjhgmhg dhg m`shgchg qhgc i`glhmp~a pzp|hg kpho
j`oa/ |`sh)i`gq`sh/ lhchzhg/ chdhahg/ khiaghg dhg |`jhchagqh'
Dhohi mfgt`m| ~`iaoabhg |`|phtp |a|t`i ~`zjhgmhg |`jhchaihgh c`ohcht
qhgc ad`ho/ |`choh pzp|hg ~`zjhgmhg dhg m`shgchg |`bhzp|gqh tadhm
da~`gchzpba fo`b ehmtfz `mfgfia hthp ehmtfz)ehmtfz ohag |`ohag ehmtfz
hchih' Ah dat`ch|mhg fo`b Ipbhiihd \qpmza \hoo`b ":>>:;
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
8:
^`zjaglhgchg da jhbhcahg aga t`ztpi~p m`~hdh `i~ht ~`g`gtp qhgc ~`zop
daj`za ~`zbhtahg fo`b ~`gccpgh ip|oai dhohi h|~`m ~`iaoabhg jhgm
i`gpzpt c`ohcht ~`gccpgh j`zt`zh|mhg A|ohi' Ah i`zhgcmpia h|h|
iphohiht A|ohi dhg pg|pz)pg|pz qhgc daohzhgc dhohi iphohiht A|ohi'
4'8 ^`g`gtp ^`zthih; ^`ztaijhgchg Bhoho/ Bhzhi dhg \qpjbht
^`ztaijhgchg bhoho dhg bhzhi j`zmhathg |`|phtp ~`gccpghhg |`bhzp|gqh
i`gkhda mzat`zah pthih |`|`fzhgc agdauadp ip|oai' Ah dahgcch~ ~`gtagc
m`zhgh bpjpgc mhatgqh d`gchg |fho m`aihghg qhgc |`gtah|h ~`zop
da~`oabhzh' T`zdh~ht ~`ojhcha dhoao dhg gh| |`zth ~`z|~`mtae pohih |hih
hdh qhgc j`z|aeht hgkpzhg dhg tpgtpthg hthp c`|hhg dhg ohzhgchg qhgc
i`ijhsh m`~hdh ~`g`gtphg bhoho dhg bhzhigqh t`gthgc |`|phtp'
\`lhzh pipi/ i`glhza qhgc bhoho atp t`ohb da|`jptmhg |`lhzh gh||a3 da
dhohi bhda| qhgc dazashqhtmhg dhza~hdh Hgh| jag Ihoam z'h qhgc
j`zihm|pd;
I`glhza qhgc bhoho atp hdhohb shkaj m` hth| |`tah~ fzhgc A|ohi'
"Bhda| Zashqht Ho)Thjzhga!
^`zmhthhg bhoho dhg bhzhi j`zh|ho dhza~hdh jhbh|h Hzhj' \`lhzh oat`zho/
Khjhthg M`ihkphg A|ohi Ihohq|ah "KHMAI! i`gd`eaga|amhg bhoho |`jhcha
daj`ghz hthp dajfo`bmhg fo`b bpmpi |qhzhm/ ihghmhoh bhzhi hdhohb
|`jhoamgqh' \`lhzh o`jab mbp|p|/ Mathj Jhbzp Ho)Ihd{a; \qhzhb
Ipmbth|bhz \bhbab Ht)Taziad{a |p|pghg Ipbhiihd Adza| Ho)Ihzjhsa
":>>5;8>:)8>
daj`ghzmhg i`gpzpt bpmpi |qhzhm dhg daihmopia fo`b |`iph fzhgc/
ihghmhoh bhzhi hdhohb |`jhoamgqh |hih hdh ~hdh j`gdh hthp hiho'
Thmzaehg aga j`zohgdh|mhg bhda| qhgc t`ohb dazashqhtmhg dhza~hdh Hjp A|h
Ht)Taziad{a qhgc j`zihm|pd;
3K`oh| dhg t`zhgc'
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
8>0!'
[hbhzpddag Hjd Zhbihg ":>>2! i`g`zp|a jpmp j`oahp qhgc j`zthkpm
Shgc/ Hgdh dhg A|ohi; Bhoho dhg Bhzhi dhohi M`shgchg dhg
^`zjhgmhg i`gc`t`gchbmhg j`j`zh~h dhoao ~`gtagcgqh ~`ihbhihg
t`gthgc bhoho dhg bhzhi dhohi m`shgchg' \`lhzh o`jab mbp|p|/
~`zjaglhgchg aga daiphtmhg dhohi jhj ~`zthih qhgc dajhbhcamhg m`~hdh
dph jhbhcahg/ ahatp dhoao dhg gh|= dhg {pbpd dhg |hohb ehbhi' Jhca
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
84
ihm|pd m`zth| aga/ ~`zjaglhgchg bhgqh datpi~pmhg m`~hdh jhbhcahg
~`zthih |hbhkh'
Dhohi jhbhcahg ~`zthih aga/ j`oahp i`gcpthzhmhg oaih bhda| qhgc
dabpjpgc mhatmhg ~`zjaglhgchggqh da hgthzh |htp |hih ohag' ^`zthih/ ah
i`gq`gtpb t`gthgc oaih ~`zmhzh ~`gtagc qhgc hmhg da~`zbhop|a m`ohm ~hdh
bhza ~`ijhoh|hg |`jhchaihgh |hjdh Jhcagdh Ghja Ipbhiihd |'h's'
qhgc j`zihm|pd;
Tadhm hmhg o`~h| dph mhma hghm Hdhi da hmbazht da bhdh~hg Hoohb
\ST/ m`lphoa |`t`ohb dathgqh oaih ~`zmhzh; T`gthgc pipzgqh da
ihgh ah bhja|mhggqh/ t`gthgc m`~`ipdhhg dhg m`~`ipdahggqh da
ihgh dacpghmhg/ dhg t`gthgc bhzthgqh dhza ihgh dhthgcgqh dhg m`
ihgh daj`ohgkhmhggqh/ dhg h~hmhb qhgc daohmpmhg d`gchg aoipgqh'
"Zashqht ht)Taziad{a/ gf :485= Hojhga ; \hbab!
M`dph/ ah j`zmhat d`gchg ai~oamh|a ~`gccpghhg |`|phtp qhgc bhzhi
|`jhchaihgh bhda| qhgc j`zihm|pd;
\`tah~ dhcagc qhgc tpijpb dhza~hdh bhzth qhgc mftfz "bhzhi! ihmh
g`zhmh hdhohb o`jab ohqhm pgtpmgqh'
"Zashqht ht)Thjzhga/ 81&83= Atbhe H|)\hdht
ho)Iptthxag/ H{)[pjhqda/ 0&::5!
M`tach/ ah i`i~`zoabhtmhg m`~`gtagchg i`gdhohia aoip iphihoht
|`jhchaihgh |hjdh Zh|popoohb \HS qhgc j`zihm|pd;
Khgchg mhip j`zkpho j`oa da ~h|hz mhia/ m`lphoa t`ohb i`gdhohia
aoip "bpmpi! hchih t`gthgcgqh'
"Zashqht ht)Taziad{a/ gf 423/ bhohihg 8:1= Hojhga ; Bh||hg!
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
80
M``i~ht/ Jhcagdh Ghja Ipbhiihd |'h's t`ohb i`gl`zathmhg m`~hdh ~hzh
|hbhjht t`gthgc m`hdhhg qhgc hmhg j`zohmp da |phtp ih|h jaohihgh
ihgp|ah |pdhb tadhm i`i~`dpoamhg ohca |fho bhoho dhg bhzhi |`~`zta bhda|
qhgc j`zihm|pd;
Hmhg |hi~ha |htp {hihg da ihgh ihgp|ah tadhm i`gc`gdhbmhg
|pij`z ~`zfo`bhg bhzthgqh |hih hdh dhza qhgc bhoho hthp bhzhi'
"Zashqht ht)Taziad{a!
M`oaih/ ah i`gpgkpmmhg ~`zmhathg hgthzh ~`zoph|hg m`cahthg zajh dhg {agh
d`gchg tpzpggqh h{hj Hoohb |`jhchaihgh hihzhg Jhcagdh Ghja
Ipbhiihd |'h's qhgc j`zihm|pd;
H~hjaoh {hbazgqh |`lhzh i`oph| zajh dhg {agh thgdhgqh hdhohb
i`z`mh t`ohb i`gcbhohomhg "jhca tpzpggqh! h{hj Hoohb m` hth|
i`z`mh'
"Zashqht ho)Bhmai/ :&>:;38)3:! dhg ho)[pbhaoa "8125;28)2:!'
^`zthih ahohb bhzhi da|`jhjmhg ehmtfz dhohihg dhg m`dph ahohb bhzhi
da|`jhjmhg ehmtfz ophzhg' I`gpzpt j`oahp/ piht A|ohi hiht j`zbhta)bhta
h~hjaoh i`gccpghmhg jhzhgc hthp ~`zmbadihthg jhca mfg|`~ qhgc
~`zthih/ t`th~a i`gchijao ipdhb t`zbhdh~ ~`gccpghhg jhzhgc dhg
~`zmbadihthg jhca mfg|`~ qhgc m`dph' O`jab dhza~hdh atp/ t`zdh~ht
|`c`oagtaz piht A|ohi qhgc i`gq`i~atmhg ihm|pd mfg|`~ qhgc ~`zthih
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
85
d`gchg bhgqh i`zpkpm m`~hdh ~`zmhzh j`zpg|pz ghka|' Ohgthzhg atp/
cfofgchg aga daoabht hiht i`gatam j`zhtmhg |fho m`j`z|abhg dhg m`|plahg
ihmhghg dhg ~hmhahg pgtpm j`z|`ijhbqhgc/ t`th~a dhohi ih|h qhgc |hih
j`ziphihohb d`gchg ~zfdpm)~zfdpm ~`zjhgmhg qhgc j`zpg|pzmhg zajh'
\bfeahg Hbihd % Ifbhihd A|h Ajzhbai ":>>>
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
83
~`gcc`ijhoh qhgc i`gcc`ijhohmhg t`zghmhggqh da |`mathz t`i~ht
qhgc ih|ab dazhcpmhg |`shmtp jaghthgc t`zghmhggqh i`zhcpt
zpi~pt da |hgh'
"Zashqht Ip|oai!
Dhohi i`ohm|hghmhg hmtauata ~`zjhgmhg dhg m`shgchg/ ~hzh ~`gccpgh
t`zd`dhb m`~hdh ~`zmhzh qhgc bhoho/ bhzhi dhg |qpjbhb' Thg~h
~`gc`thbphg dhg ~`ihbhihg/ hchm |pmhz pgtpm i`ijpht m`~ptp|hg qhgc
j`tpo da |a|a A|ohi' H~hthb ohca/ gh|)gh| |qhzhm qhgc i`ijaglhgcmhg
t`gthgc iphihohb hdhohb j`zj`gtpm pipi dhg tadhm t`z~`zagla "Jhgm
Iphihoht Ihohq|ah J`zbhd/ t't!' \`lhzh pipi/ Hbihd \peqhg Lb`
Hjdpoohb ":>>5h;04! i`g`ch|mhg jhbhsh |`choh j`gtpm tzhm|hm|a
m`shgchg hdhohb bhzp| bpmpi h|hogqh/ m`lphoa dhthgcgqh |`jhzhgc jpmta
hthp gh| qhgc k`oh| i`gcbhzhimhg |`|phtp pzp|gahch' J`oahp j`zohgdh|mhg
m`gqhthhggqh d`gchg i`i`tam m`|ai~pohg qhgc dajpht fo`b ho)\qhsmhga
"8111;:05! jhbhsh ~zag|a~ bpmpi h|ho |`|phtp hihohg hdhohb bhzp|
hdhohb j`zh|h|mhg t`fza ho)a|ta|bhj' ^zag|a~ agai`gk`oh|mhg jhbhsh |`choh
bpmpi |`mhzhgc dahgcch~ |phtp ~`g`zp|hg dhza~hdh bpmpi t`zdhbpop/
|`ohca tahdh jpmta qhgc jfo`b i`gcpjhbgqh m`~hdh |thtp| bpmpi qhgc
jhbhzp' Fo`b qhgc d`iamahg/ ~`gc`ghohg pzp|gahch/ mfgtzhm hthp
ag|tzpi`g m`shgchg qhgc i`gccpghmhg ~zag|a~)~zag|a~ jhzp qhgc tadhm
~`zghb spkpd |`j`opi aga dh~ht daohmpmhg/ |`ohca ihgh tahdh ohzhgchg
qhgc k`oh| t`zbhdh~ ~`zmhzh)~`zmhzh t`z|`jpt'
^zag|a~ pipi j`zmhathg pzp|hg m`shgchg |`jhchaihgh qhgc datpgtpt fo`b
A|ohi t`ohb jhgqhm da~`zjaglhgcmhg dhohi mhohgchg epxhbh' Ipbhiihd
Zhssh| Xhohbka ":>>0;8)8:! ia|hogqh/ i`gc`ipmhmhg tach ~zag|a~/ ahatp
i`gkhpbmhg daza dhza cbhzhz/ i`g`~hta mfgtzhm dhg i`i~`zipdhbmhg
hthp i`gchihomhg |amh~ tfo`zhg|a' Hbihd \peqhg Lb` Hjdpoohb
":>>5h;03)5:! ~poh j`z~`gdh~ht jhbhsh |`tah~ ~`gccpgh ip|oai ~`zop
i`gcbagdhza pzp|gahch zajh dhg cbhzhz qhgc i`ijhsh m`~hdh
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
82
m`tadhmhdaohg dhg m`tadhmt`op|hg' Jhca Ifbd Zhd{a Ftbihg %
Cbhehzpoohbbpddag Dag ":>>0;828)81
ohzhgchg dhohi iphihohb ~`z`mfgfiahg dhg ~`zgahchhg' Oaih ~`zhtpzhg
t`z|`jpt ahohb i`gkhohga hmtauata iphihohb |`lhzh bhx/ i`gkhpba ~`zmhzh
|qpjbhb/ j`zohmp kpkpz/ i`ohm|hghmhg m`j`jh|hg dhg m`z`ohhg= dhg
i`g`chmmhg m`hdaohg' Ihghmhoh ohzhgchg i`zpkpm m`~hdh pzp|gahch qhgc
j`zpg|pz zajh/ ~`ga~phg/ cbhzhz/ zh|phb dhg ho)mbhiz' I`z`mh tpzpt
i`gc`ipmhmhg tach ~popb dph gaoha t`zh| dhohi ~`zohmphg `mfgfia
i`gpzpt ~`z|~`mtae ho)Xpzhg dhg ho)\pgghb |`~`zta aoip/ thmsh/ xhghhb
dhg |`jhchagqhg/'
Dhza~hdh ~`zjaglhgchg da hth|/ dh~ht da~`zbhtamhg m`|`~hmhthg ~hzh
|hzkhgh A|ohi t`gthgc j`j`zh~h pg|pz qhgc daohzhgc dhohi iphohiht
A|ohi' ^`zthih/ |`|phtp pzp|gahch atp i`|taohb j`jh| dhza~hdh pg|pz zajh'
M`dph/ j`jh| dhza~hdh pg|pz kpda' M`tach/ j`jh| dhza~hdh ~`gkphohg
jhzhgchg hthp ~`zmbadihthg qhgc dabhzhimhg dhohi A|ohi' M``i~ht/
j`jh| dhza~hdh pg|pz cbhzhz' M`oaih/ j`jh| dhza~hdh |`choh j`gtpm
~`ga~phg'
4': ^`g`gtp M`dph; Tpgtpthg I`glhza \`|phtp Qhgc J`zmphoata
\`lhzh pipi/ mphoata dad`eaga|amhg |`jhcha m`hdhhg qhgc ~hoagc jham/
pgccpo/ i`g`~hta m`b`gdhm qhgc dat`th~mhg dhg i`ij`za m`~ph|hg
m`~hdh |`iph ~abhm "Ifbd \hjza Hjd' Cbhehz/ :>>3!' T`zdh~ht ~`ojhcha
d`eaga|a mphoata i`gpzpt ~`z|~`mtae oh{ai qhgc |`zagcmhoa dacpghmhg fo`b
~hzh ~`gcmhka "Bf % S`hzg/ 8110!' Hgthzhgqh |`~`zta tb` tfthoatq fe
e`htpz`| hgd lbhzhlt`za|tal| fe h ~zfdplt fz |`zual` tbht j`hz| fg at|
hjaoatq tf i``t h |tht`d fz ai~oa`d g``d/ lfgefzihgl` tf z`xpaz`i`gt/
eatg`|| efz p|`/ tb` d`cz`` fe lfgefzihgl` tf h |thgdhzd dhg p|`z
|hta|ehltafg'
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
81
Mphoata i`gpzpt ~hgdhgchg A|ohi i`i~pgqha ~`gc`ztahg qhgc k`oh|
j`zj`{h dhza~hdh m`|`iph ~`gc`ztahg oh{ai qhgc t`ohb dam`ipmhmhg' \htp
dhza~hdh h|~`m qhgc i`ij`{hmhg m`dphgqh hdhohb ah tadhm dapmpz
|`jhgqhmihgh ~zfdpmtauata dh~ht dabh|aomhg thg~h i`oajhtmhg |fho
~`ijaghhg |hb|ahb' Ah j`zihmgh h|~`m chgkhzhg iht`zaho "p~hb! dhg kpch
zfbhga "~hbhoh! bhzp| dachjpgc khoag d`ia i`glh~ha m`z`dbhhg Hoohb |'s't
"Ghsa A|ihao/ :>>3!' K`oh|gqh/ mphoata tadhm dapmpz i`gpzpt ~`ztaijhgchg
g`zhlh ihgp|ah hthp ptaoathzahg' O`jab khpb dhza atp/ ah j`zchgtpgc m`~hdh
|qhzht dhg pmpzhg m`z`dbhhg Hoohb |'s't "H|qzhe Shdka Dp|pma/ :>>3!'
Ipbhiihd \qpmza \hoo`b ":>>
ho)Ihadhb hqht 4/ ho)Jhxhzhb hqht 83:/ ho)Ihadhb hqht 0/ ho)Ghbo hqht 884
dhg ho)Hzhe hqht 803/ j`oahp i`zpip|mhg dph ~`zmhzh' ^`zthih/ A|ohi
i`gcc`|h pihtgqh hchz bhgqh i`gccpghmhg jhzhgchg qhgc jham dhg
|pla' M`dph/ ~`zmhthhg qhgc i`zpkpm m`~hdh j`gdh)j`gdh qhgc jham
|`jhchaihgh ~`tamhg hqht)hqht ho)Xpzhg j`zihm|pd h~h kph j`gdh qhgc
i`gdhthgcmhg m`|`ghgchg dhg m`c`ijazhhg m`~hdh ~`gccpghgqh
t`zthmopm m`~hdh jhth|hg |qhzhm'
Ifbd \hjza Hjd' Cbhehz ":>>3! ~poh i`gcpthzhmhg ~`ojhcha dhoao dhg gh|
qhgc j`zp~h tpgtpthg dhg a|qhzht qhgc k`oh| jhbhsh A|ohi hiht i`gatam
j`zhtmhg |fho mphoata dhohi |`c`gh~ |`ca m`badp~hg' Mp~h|hg j`oahp dhohi
jhbhcahg Mphoata; \phtp Tpgtpthg i`gcchijhzmhg jhbhsh A|ohi
i`gcchohmmhg ~`gccpghhg jhzhgc dhg ~`zmbadihthg qhgc j`zmphoata
i`zhgcmpia h|~`m iphihoht' \`jhcha lfgtfbgqh/ A|ohi i`gcbhzp|mhg
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
:>
mbaqhz2
"~aoabhg! pgtpm i`gkhch m`~`gtagchg ~`gkpho dhg ~`ij`oa d`ia
m`~ph|hg da m`dph j`ohb ~abhm' J`oahp tpzpt i`gc`t`gchbmhg j`j`zh~h
dhoao dhg gh| j`zmhathg a|qhzht mphoata da dhohi ho)Xpzhg qhgc i`zpkpm
m`~hdh |pzhb hoa Aizhg hqht 81/ ho)Bakz hqht 1/ ho)Hb{hj hqht :8/ ho)
Aizhg hqht 88> dhg ho)Bpkpzht hqht 83!
8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
:8
~`ohjpzhg/ ~`ijahqhhg dhg ~`zmbadihthg)~`zmbadihthg ~`zjhgmhg qhgc
ohag' Ah tpzpt i`glhmp~a h|~`m ~`gqhi~hahg ~`zmbadihthg |hih hdh
dhza~hdh |`ca m`ipdhbhg agezh|tzpmtpz hthp mhmathgchg1
jhgm'
4'< ^`g`gtp M`tach; ^pohgchg Ih|ohbht
\`lhzh ipdhb/ ih|ohbht8>
j`zihm|pd m`jhamhg hthp m`~`gtagchg "Hjdpo
Bhoai Ipbhiihd/ :>>8;
ihtohiht ~`gccpghhg i`gpzpt ~`z|~`mtae A|ohi dhg oh{ai' \`ohag atp/
~`zmhthhg ih|ohbht hdhohb tadhm |agfgai d`gchg ihtohiht m`~`gccpghhg
oh{ai qhgc o`jab i`gcpthihmhg ihtohiht i`ihm|aipimhg m`~ph|hg
~`gccpgh "Mpz|bad Hbihd/ 811:;!' Shobho A|ohi i`gkhdamhg h|~`m
m`z`dbhhg Hoohb |'s't "ihzdbhtaoohb! |`jhcha ihtohiht hmbaz |`|phtp
~`gccpghhg thg~h i`gchjhamhg m`~`gtagchg m`b`gdhm m`j`gdhhg/
m`~`zophg dhg m`~ph|hg ihgp|ah'
Dhohi mfgt`m| ~pohgchg ih|ohbht/ ah i`zpkpm m`~hdh m`|hg)m`|hg qhgc
taijpo hmajht dhza~hdh ~`gccpghhg |`|phtp jhzhgc hthp ~`zmbadihthg'
\`jhcha lfgtfb/ |`|phtp jhzhgchg hthp ~`zmbadihthg qhgc bhoho dhg
j`zmphoata tadhm |`i`|tagqh i`ij`za ~pohgchg ih|ohbht m`~hdh
~`gccpghgqh "Shg Ifbd Qp|fe Shg Lbam/ :>>Dhohi hmtauata m`~`gccpghhg/ Jhjaoaq "8122;54! i`ijhbhcamhg ih|ohbht m`~hdh dph'
^`zthih/ ih|ohbht pipi qhgc i`zpkpm m`~hdh m`~`gtagchg ih|qhzhmht |`lhzh
m`|`opzpbhggqh t`zbhdh~ ~`ohm|hghhg |`jhzhgc hmtauata m`~`gccpghhg qhgc datpgtpt fo`b
hchih' M`dph/ ih|ohbht mbh| qhgc i`zpkpm m`~hdh m`~`gtagchg agdauadp hthp mpi~pohg
t`zt`gtp' Dhza~hdh m`dph)dph ih|ohbht aga/ A|ohi i`gcpthihmhg m`~`gtagchg ih|ohbht
pipi jhca i`gcbagdhza |`jhzhgc m`|poathg i`gai~h ih|qhzhmht pipi'
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
::
ih|ohbht ~`zop daj`za ~`ztaijhgchg |`lhzh j`z|hih fo`b |`tah~ ~`gccpgh
ip|oai'
^`zjaglhgchg t`gthgc ~pohgchg ih|ohbht hdhohb t`ztpi~p m`~hdh
ihtohiht dhg tpkphg j`z`mfgfia' [hagho Hjadag Hbihd "8131;80>!
i`ohopa jpmpgqh qhgc j`zthkpm Dh|hz)Dh|hz @mfgfia A|ohi t`ohb
i`gcp~h| tpkphg `mfgfia dhza~hdh ~`z|~`mtae A|ohi' I`gpzpt j`oahp/
h|~`m aga t`ohb dachijhzmhg |`lhzh gh||a da dhohi |pzhb ho)Xh|bh|b hqht
33 qhgc j`zihm|pd;
Dhg p|hbhmhgohb ~hdh |`choh j`gdh qhgc dahgpc`zhbmhg
m`~hdhip hmhg m`|`ghgchg mhi~pgc hmbazht/ dhg khgchgohb mhip
op~hmhg m`jhbhcahg gh|ajip da dpgah/ dhg j`zjphtohb m`jhkamhg
m`~hdh |`|hih ihgp|ah |`jhchaihgh Tpbhg j`zjpht m`jhkamhg
m`~hdhip= dhg khgchgohb i`glhza)lhza m`zf|hmhg m`bhglpzhg da
ipmh jpia' \`|pgccpbgqh Tpbhg tadhm i`gqpmha fzhgc)fzhgc qhgc
j`zjpht m`jagh|hhg'
J`z~hgdpmhg hqht da hth|/ j`oahp i`gqai~pomhg `i~ht tpkphg j`z`mfgfia
~hdh ~hgdhgchg A|ohi' ^`zthih/ i`glhza m`|`ghgchg hmbazht d`gchg
i`ihgehhtmhg |`choh m`ipdhbhg qhgc dahgpc`zhba fo`b Hoohb |'s't'
M`dph/ i`i~`zkphgcmhg gh|aj daza da dpgah dhohi bho i`glhza z`{`ma dhg
bhm iaoam bhzth j`gdh' M`tach/ i`ohm|hghmhg |`jhgqhm ipgcmag m`jhkamhg
m`~hdh ih|qhzhmht= dhg m``i~ht/ tadhm i`glhza m`jagh|hhg da dpgah aga'
\haepo H{bhz Zf|oq "811:;54! ~poh i`gcpthzhmhg ~`gdazahg Hgh| [hzxh
qhgc i`gqhzhgmhgmhg p|hbh i`ihm|aipimhg ~hbhoh |`jhcha ihtohiht
|`j`ghz ~`gccpgh dhg jpmhggqh i`ihm|aipimhg m`~ph|hg' ^`gdazahg
qhgc |`zp~h tpzpt dajaglhgcmhg fo`b Ifg{`z Mhbe "8128;
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
: dhg ho)Bpih{hb hqht
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
:0
M`|`iph dhoao dhg gh| qhgc dagqhthmhg i`gcchijhzmhg j`th~h
~`gtagcgqh ihgp|ah i`ohmpmhg ~`ztaijhgchg da hgthzh ~`ojhcha
m`ih|ohbhthg' Dhohi bho aga/ Qp|fe ho)Xhzhdbhsa ":>>:;:0):3! i`g`zp|a
mhzqh j`oahp qhgc j`zthkpm Eaxb M`pthihhg "M`pthihhg Tpch|)Tpch|
Mhpi Ip|oaiag! t`ohb i`zpip|mhg tach |p|pghg hthp m`pthihhg
j`zdh|hzmhg m`|`~hmhthg pohih p|po' ^`zthih ahohb ~`zmhzh qhgc dhzpzht
"ho)dhzpzaqht!88
' M`dph ahohb ~`zmhzh qhgc da~`zopmhg "ho)bhkaqht!8:
= dhg
m`tach ahohb ~`zmhzh qhgc i`gkhda ~`o`gcmh~ "ho)thb|agaqht!8>:;:5!'8>0;0:)04! ia|hogqh/ i`gchgcch~ jhzhgc
m`~`zophg badp~ |`jhcha |`|phtp qhgc i`|ta hdh' M`tahdhhg jhzhgc |`~`zta
aga jfo`b i`gchmajhtmhg m`ihtahg' Jhzhgc m`~`zophg h|h| ~poh |hih
|`~`zta jhzhgc m`~`zophg badp~/ lpih tadhm i`ijhsh m`~hdh m`ihtahg
qhgc |`c`zh' Jhca jhzhgc m`~`zophg m`l`mh~hg/ ah da~`zopmhg pgtpm
i`i~h|tamhg m`l`mh~hg |`|phtp bho/ ihghmhoh jhzhgc m`|`o`|hhg
j`ztpkphg i`gagcmhtmhg ohca mphoata m`~`zophg h|h| jhca i`gamihta
m`|`o`|hhg dhg m`|`ghgchg' \`t`zp|gqh/ jhzhgc i`shb da~`zopmhg pgtpm
i`gamihta tagcmht m`badp~hg qhgc o`jab |`o`|h j`zjhgdagc gamiht
jhzhgchg dhg ~`zmbadihthg bhkaqhb dhg thb|agaqhb' Hmbazgqh/ jhzhgc
i`zjhbhqh i`zpkpm m`~hdh jhzhgchg qhgc i`gchmajhtmhg m`zf|hmhg dhg
m`ipdbhzhthg m`~hdh ~`gccpgh dhg ih|qhzhmht |`opzpbgqh'
Dhohi mfgt`m| pzp|hg m`shgchg |`ih|h/ |`tah~ tagdhmhg hthp c`ohcht
m`~`gccpghhg ~`zop dapmpz i`gcampt ~ahshahg ih|ohbht |qhzhm
|`jhchaihgh ~`zjaglhgchg |`j`opigqh' Fo`b m`zhgh m`b`gdhm dhg
m`~`zophg ihgp|ah hdhohb j`zj`{h)j`{h/ thbh~ m`~`zophg |`|phtp jhzhgchg
hthp ~`zmbadihthg tadhm t`zamht m`~hdh |htp ~`g`gtphg' Ghipg j`catp/
A|ohi t`ohb i`g`th~mhg chza| ~hgdphg t`zt`gtp hchz ihgp|ah dh~ht
i`gkhohga m`cahthg `mfgfia qhgc daz`dbha fo`b Hoohb |'s't' I`ohopa
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
:3
~`ij`gtpmhg Ifd`o ^`gccpghhg A|ohi/ Hgh| [hzxh "812
jhbhsh |hohb |htp |qhzht pthih j`zmhathg ~`gccpghhg A|ohi ahohb k`ga|
~`gccpghhg qhgc bhoho dhg i`gcampt m`pthihhg/ m`~`gtagchg dhg
m`~`zophg' Da |hi~agc atp/ ~`gccpghhg t`z|`jpt ~`zop i`i~pgqha ghtakhb
qhgc jham' I`gpzpt j`oahp/ ~`zfo`bhg ~hbhoh j`zchgtpgc m`~hdh
m`|hgccp~hg i`ohm|hghmhg hihohg shkaj/ i`i~`ztagcmhtmhg hihohg
|pght dhg i`gagcchomhg hihohg bhzhi dhg ihmzpb/ tadhm m`~hdh
~`gccpghhg bhzth ifdho qhgc daiaoama' Ghipg j`catp/ bhzth ifdho atpohb
qhgc hmhg dacpghmhg ghgta |`jhcha |hohb |htp ag|tzpi`g pgtpm
i`i~`zfo`ba ~hbhoh dhg |`t`zp|gqh i`gdh~htmhg m`z`dbhhg Hoohb |'s't'
Agaohb qhgc dathmzaemhg fo`b \q`d Ftbihg Hobhj|ba |`jhcha tagcmht
~`gccpghhg qhgc f~taipi' Ah i`zpkpm m`~hdh |htp thbh~ qhgc dh~ht
i`gcbh|aomhg ih|h dhg t`ghch qhgc ihm|aipi pgtpm i`gchjdamhg daza
m`~hdh Hoohb |'s't'
Jhca Hbihd H{zag Hdghg ":>>3;80!/ ~`gccpghhg |`lhzh ~zag|a~gqh
j`zihtohihtmhg i`glhza m`z`dbhhg Hoohb |'s't dhg i`gkhda shkaj pgtpm
i`i`oabhzh |`|phtp m`ih|ohbhthg' \`jhoamgqh/ ~`gccpghhg i`gkhda
bhzhi kamh ah dacpghmhg pgtpm tpkphg j`zj`ohgkh i`shb |`lhzh j`zt`zp|hg'
Bhzhi da |aga jpmhg m`zhgh i`shb/ t`th~a m`zhgh ah daohmpmhg |`lhzh
j`zt`zp|hg' @ztagqh/ A|ohi tadhm i`ijhth|mhg pihtgqh pgtpm i`iaoama
m`mhqhhg dhg i`gamihta m`|`o`|hhg |`zth m`i`shbhg badp~ |`~`zta qhgc
dagamihta fo`b Ghja \pohaihg dhg Mbhoaehb Ftbihg' ^hoagc ~`gtagc/
|`jhzhgc j`gtpm ~`gccpghhggqh qhgc t`zbh|ao tadhm i`gfgkfomhg |aeht
jfzf| dhg jhmbao "He{ho)Pz)Zhbihg/ 8118;:>!' Aga k`oh| t`zchijhz da
dhohi eazihg Hoohb \ST Ho)Xpzhg "\pzhb ho)Epzxhg/ :0;53! qhgc
j`zihm|pd;
Dhg fzhgc)fzhgc qhgc h~hjaoh i`ij`ohgkhmhg "bhzth!/ i`z`mh
tadhm j`zo`jab)o`jabhg/ dhg tadhm "~poh! mamaz/ dhg hdhohb
"~`zj`ohgkhhg atp! da t`gchb)t`gchb hgthzh qhgc d`iamahg'
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
:2
\`ohgkptgqh/ \q`d Ftbihg Hobhj|ba "811:;8:4! i`gcbpkhbmhg jhbhsh
m`pthihhg |`|phtp jhzhgc hthp ~`zmbadihthg qhgc da~`zopmhg b`gdhmohb
da|hgdhzmhg m`~hdh bpmpi84
dhg jpmhggqh tagcmht m`~`zophg
jhca
i`glh~ha ihtohiht m`|`d`zbhghhg' Ah i`gpgkpmmhg jhbhsh hmtauata
m`~`gccpghhg A|ohi bhgqh j`zhdh dhohi oagcmpgchg tach ih|ohbht/ ahatp
dhzpzaqhb/ bhkaqhtdhg thb|agaqht' Hth| dh|hz aga/ Shg Ifbd Qp|fe Shg
Lbam ":>>3; ^`gptp~
^`zjaglhgchg m`zth| aga i`ijhsh math m`~hdh zpip|hg j`th~h ~`zopgqh
ihgp|ah i`o`thmmhg h|~`m ~`ztaijhgchg hchih |`jhcha m`pthihhg dhohi
i`gcbhdh~a mza|a| i`ijpht ~aoabhg' \`|pha d`gchg |aehtgqh |`jhcha
hchih qhgc i`gq`opzpb dhg |phtp lhzh badp~/ A|ohi i`gq`dahmhg
~hgdphg o`gcmh~ pgtpm i`gkhohga |`choh j`gtpm m`badp~hg t`zih|pm
m`badp~hg j`z`mfgfia' D`gchg ~hgdphg t`z|`jpt/ ihgp|ah tadhm bhgqh
ihi~p i`ghgchga mza|a| ~`iaoabhg/ t`th~a kpch dh~ht badp~ t`ghgc dhg
dhiha |`jhcha bhijh Hoohb |'s't |`bagcch j`zkhqh i`glh~ha ihtohiht
qhgc bhmama ahatp m`z`dbhhg Hoohb |'s't'
84\hih hdh ehzdbp/ shkaj/ |pght/ ipjhb/ ihmzpb thg{aba/ ihmzpb thbzaia hthp bhzhi'
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
:1
Zpkpmhg
Hjd' Khoao Jfzbhi "8111!' Ip#hihohb A|ohi; \phtp ^`gc`ghohg' Dhohi
Hjd' Khoao Jfzbhi "@d'!/ \hag| Iphihohb A|ohi da Ihohq|ah "i|' 8)8>!'
\mpdha/ Kfbfz; ^`g`zjat Pgau`z|ata T`mgfofca Ihohq|ah'
Hjdpo Bhoai Ipbhiihd ":>>8!' Pgdhgc)Pgdhgc Iphihoht dhg
H~oamh|agqh M`~hdh ^zfdpm)^zfdpm ^`zjhgmhg A|ohi' Mhkhgc/ \`ohgcfz;
Hzh| I`ch "I! \dg' Jbd'
He{ho)pz)Zhbihg "8120!' @lfgfial Dfltzag`| fe A|ohi ">3'
Hbihd \peqhg Lb` Hjdpoohb ":>>5!' J`j`zh~h ^zag|a~ Aktabhd dhohi
Tzhg|hm|a M`shgchg A|ohi \`ih|h; Hgthzh Eo`m|ajaoata d`gchg M`mhgchg'
Dhohi Hj' Ipiag Hj' Cbhga % Ehdaoohb Ihg|fz "@d|'!/ Daghia|i`
M`shgchg A|ohi da Ihohq|ah "i|' 0
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
Hgh| [hzxh "812
Ihohq|ahg Lp|tfi`z| ^htzfga{` A|ohial Jhgm|6 Agt`zghtafgho Kfpzgho fe
Jhgm Ihzm`tagc/ :0"'
Bhaohga Ipka Thbaz "8125!/ ^`gc`ghohg Thihdpg A|ohi dhohi Ag|tatp|a
M`shgchg' Mphoh Opi~pz; D`shg Jhbh|h dhg ^p|thmh'
Bhzfg Dag "8111!'Ihgp|ah dhg A|ohi "`da|a mbh|!' \bhb Hohi/ \`ohgcfz;
Ba{ja Ihzm`tagc \dg' Jbd'
Bh||hg Hbihd % Ipbhiihd \hoo`b Hbihd ":>>:!' P|po Eaxb dhg
Xhshad Eaxbaqqhb' Mphoh Opi~pz; ^p|thmh Hjdpo Ihkad'
Bf/ \' M' % S`hzg/ M' "8110!' H TXI Ifd`o efz Bacb`z @dplhtafg hgd
Tzhagagc' Tzhagagc efz Xphoatq/
Ifbd H{ohg Qhbqh ":>>0!' M`~`gtagchg Gaoha)Gaoha A|ohi \qhzamht
T`zbhdh~ M`~ptp|hg ^`ohjpzhg fo`b Hihghb \hbhi A|ohi' T`|a| Dfmtfz
Eho|hehb/ Pgau`z|ata Pthzh Ihohq|ah' Tadhm dat`zjatmhg'
Ifbd Zhd{a Ftbihg % Cbhehzpoohbbpddag Dag ":>>0!' @mfgfia Dhohi
^`z|~`mtae Ho)Xpzhg dhg Ho)\pgghb' ^pohp ^aghgc; ^`g`zjat Pgau`z|ata
\hag| Ihohq|ah'
Ifbd \hjza Hjdpo Cbhehz ":>>3!' Mphoata Dhza ^`z|~`mtae A|ohi' M`zth|
qhgc da|hi~hamhg |`i~`gh \hijpthg Bhza Mphoata Pgau`z|ata T`mgfofca
IHZH T`z`gcchgp/ >3'
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
A|ohi' Mphoh Opi~pz; [`jzh @datafg| \dg' Jbd' dhg ^pohp ^aghgc; ^zfk`m
^`gcpzp|hg ^`ijhgcpghg A|ohi/ ^p|ht ^`gchkahg \hag| M`ih|qhzhmhthg/
Pgau`z|ata \hag| Ihohq|ah'
Ipbhiihd \qpmza \hoo`b ":>>:!' ^`ijhgcpghg J`zt`zh|mhg A|ohi'
Mphoh Opi~pz; Ptp|hg ^pjoalhtafg| % Da|tzajptfz| \dg' Jbd'
Gam Hjdpo H{a{ Gam Iht % Ifbd Ehdoa Cbhga ":>>2!' Hmbohm dhohi
J`ziphihoht' Mphoh Opi~pz; ^T\ ^pjoalhtafg| \dg' Jbd'
Gam Zf|aoh Gam Qhhlfj "8111!' Ad`hoa|i` \a|t`i @mfgfia A|ohi Dhohi
@zh Cofjhoa|h|a' Dhohi Gam Ip|th~bh Gam Bh||hg/ \b`amb Ifbd
\haepdd``g \b`amb Ifbd \hoo`b % Bhia{h Ajzhbai "`d|'!' Cofjhoa|h|a
^`zhghg @mfgfia dhg M`shgchg A|ohi' Mphoh Opi~pz; Ag|tatpt
M`ehbhihg A|ohi Ihohq|ah "AMAI!' :>8):::'
\hbab Jpmbhza dhoi Ho)lH|xhohgaq/ Hbihd ajg Hbihd "8113! ; Ehtb ho)
Jhzaq\bhzb \hbab Ip|oai/ l`t'
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
!' Katzh/ M`dhb; Khshthgmph|h ^`g`zjathg
Pgau`z|ata Pthzh Ihohq|ah'
\hzaihb Bhgai Hihg \bhb ":>>0!' @mfgfia dhza ^`z|~`mtae A|ohi'
\`ohgcfz; ^`g`zjat Ehkhz Jhmta \dg' Jbd'
\bfeahg Hbihd % Ifbhihd A|h Ajzhbai ":>>
M`jhgc|hhg Eaxb \`ih|h hgkpzhg j`z|hih Pgau`z|ata M`jhgc|hhg
Ihohq|ah dhg Mfo`k A|ohi \`ohgcfz Dhzpo @b|hg/ \`ohgcfz/ :4):0
\`~t`ij`z :>>>3!' Eaxb M`~`gccpghhg; \htp Tagkhphg
Hsho' Mphoh T`z`gcchgp; Pgau`z|ata Dhzpo Aihg Ihohq|ah'
Qp|fe Ho)Xhzhdbhsa ":>>:!' Eaxb M`pthihhg "M`pthihhg Tpch|)Tpch|
Ip|oai!' T`zk`ihbhg Hbihd Gpzqhda A|ihsa' \`ohgcfz; Tbagm`z| Oajzhzq
\dg' Jbd'
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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg
Qp|fe A|ihao % \pbhaia Ifbd' \bhzae ":>>
M`jhgc|hhg Eaxb \`ih|h hgkpzhg j`z|hih Pgau`z|ata M`jhgc|hhg
Ihohq|ah dhg Mfo`k A|ohi \`ohgcfz Dhzpo @b|hg/ \`ohgcfz/ :4):0
\`~t`ij`z :>>>:2