tag:blogger.com,1999:blog-29923089329475703262024-03-19T06:11:40.812-07:00KSU Syari'ah ASSALAMBersama Berbagi Solusi Syari'ah
(Together Sharing Solutions Syari'ah)Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.comBlogger69125tag:blogger.com,1999:blog-2992308932947570326.post-48544492621327097652014-01-14T02:50:00.000-08:002014-01-14T02:50:07.875-08:00SURAT KETERANGAN <div dir="ltr" style="text-align: left;" trbidi="on">
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<div align="center" class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span lang="EN-US" style="color: black; font-size: 16.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Nomer: 01/DPS/X/2013</span></b></div>
<div align="center" class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span lang="EN-US" style="color: black; font-size: 16.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> </span></b></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 6.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Pada hari ini Jum’at, tanggal 11 Oktober 2013 atau 6
Dzulhijah 1434 H Dewan Pengawas Syariah Koperasi Serba Usaha Syariah Assalam
menerangkan bahwa:</span></div>
<div class="MsoListParagraph" style="background: white; line-height: normal; margin-bottom: 6.0pt; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Kegiatan jual-beli (bisnis) di
masjid adalah </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">dilarang berdasarkan beberapa hadits dan penjelasan
dari beberapa ulama (</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">hadits dan penjelasannya, </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">terlampir).</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> Oleh karena itu, kegiatan
Koperasi Serba Usaha</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> Syariah</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">
As-salam yang berupa kegiatan jual-beli adalah dilarang dilakukan dalam
lingkungan/area masjid.</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoListParagraph" style="background: white; line-height: normal; margin-bottom: 6.0pt; margin-left: 53.85pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.85pt;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Wilayah/area</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> Masjid yang diperbolehkan untuk kegiatan </span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">jua</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">l</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">-</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">beli oleh Koperasi
Serba Usaha Syariah Assalam </span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">atau lainnya </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">adalah bagian</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">/lingkungan/area</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> luar Masjid</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoListParagraph" style="background: white; line-height: normal; margin-bottom: 6.0pt; margin-left: 53.85pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.85pt;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">P</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">embatas yang memisahkan
antara bagian/lingkungan/area masjid dan bagian/lingkungan/area luar masjid
ditandai oleh bangunan fisik yang secara jelas dapat menunjukkan pemisahan
kedua lingkungan/area tersebut, seperti: tembok atau pagar atau sejenisnya.</span><s><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"></span></s></div>
<div class="MsoListParagraph" style="background: white; line-height: normal; margin-bottom: 6.0pt; margin-left: 53.85pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.85pt;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Kete</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">rangan</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> pada nomor 1, 2 dan 3 di
atas, adalah dengan tujuan untuk menjaga kewibawaan masjid dan menjaga
kekhusu’-an jamaah.</span><s><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"></span></s></div>
<div class="MsoListParagraph" style="background: white; line-height: normal; margin-bottom: 6.0pt; margin-left: 53.85pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.85pt;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Konsekuensi dari penentuan batas tersebut adalah akan
berakibat pada kedudukan sh</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">a</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">lat seseorang apakah yang
bersangkutan dihukumi sebagai s</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">ha</span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">lat di masjid atau di luar
masjid. </span><s><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"></span></s></div>
<div class="MsoListParagraph" style="background: white; line-height: normal; margin-bottom: 6.0pt; margin-left: 53.85pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.85pt;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Dalam kasus di Masjid As-Salam, maka kami berpendapat
bahwa ruangan di kanan-kiri pengimaman adalah bukan bagian dalam masjid, karena
di ruangan tersebut tidak mungkin digunakan oleh makmum untuk berjamaah, serta
kegiatan di dalamnya tidak terlihat secara langsung oleh mereka yang sedang
shalat.</span><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> </span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span></span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Demikian juga area di sebelah selatan masjid,
sebelah timur masjid dan sebelah utara masjid adalah bukan area dalam masjid. </span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 6.0pt; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 6.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Demikian
Surat Keterangan ini dibuat untuk dapat dipergunakan seperlunnya.</span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span lang="EN-US" style="color: black; font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Dewan Pengurus Syariah Koperasi
Serba Usaha Syariah Assalam:</span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span lang="EN-US" style="color: black; font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Ketua<span style="mso-tab-count: 3;"> </span>: Drs. Sidik Tono, M.Hum<span style="mso-tab-count: 3;"> </span></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span lang="EN-US" style="color: black; font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Anggota<span style="mso-tab-count: 2;"> </span>: 1. Drs. Al Hasin, MBA<span style="mso-tab-count: 3;"> </span></span><span style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-no-proof: yes;">
</span><span style="color: black; font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"> <span lang="EN-US"></span></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span lang="EN-US" style="color: black; font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;">
</span><span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;"> </span>2. Dr. D.<span style="mso-spacerun: yes;">
</span>Agus Harjito, M.Si<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span></span><span style="color: black; font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-no-proof: yes;">
</span><span lang="EN-US" style="color: black; font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span></span></div>
<br /><br />
<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>
Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-52702417091453322712014-01-14T02:42:00.002-08:002014-01-14T02:42:42.853-08:00Kegiatan Koperasi di Masjid<div dir="ltr" style="text-align: left;" trbidi="on">
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<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
mso-para-margin-top:0cm;
mso-para-margin-right:0cm;
mso-para-margin-bottom:10.0pt;
mso-para-margin-left:0cm;
line-height:115%;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-ansi-language:EN-US;
mso-fareast-language:EN-US;}
</style>
<![endif]-->
<br />
<div align="center" class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 16.0pt; mso-fareast-font-family: "Times New Roman";"></span></b><span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 16.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Bismillah
was shalatu was salamu ‘ala rasulillah, amma ba’du,</span></i><span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Kita
sepakat bahwa tujuan utama masjid didirikan untuk menegakkan peribadatan kepada
Allah <i>ta’ala</i>; berdzikir, mendirikan shalat, membaca kalam Ilahi, dan
berdoa kepada-Nya,</span></div>
<div class="MsoNormal" dir="RTL" style="background: white; direction: rtl; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right; unicode-bidi: embed;">
<span lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">فِي بُيُوتٍ أَذِنَ اللهُ
أَن تُرْفَعَ وَيُذْكَرَ فِيهَا اسْمُهُ يُسَبِّحُ لَهُ فِيهَا بِالْغُدُوِّ
وَاْلأَصَالِ رِجَالٌ لاَّتُلْهِيهِمْ تِجَارَةٌ وَلاَبَيْعٌ عَن ذِكْرِ اللهِ
وَإِقَامِ الصَّلاَةِ وَإِيتَآءِ الزَّكَاةِ يَخَافُونَ يَوْمًا تَتَقَلَّبُ فِيهِ
الْقُلُوبُ وَاْلأَبْصَار</span><span dir="LTR" lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Di
rumah-rumah yang di sana Allah telah memerintahkan untuk <b>dimuliakan dan
disebut nama-Nya</b> di dalamnya, manusia di sana ber-tasbih (menyucikan)-Nya
pada waktu pagi dan waktu petang. Laki-laki yang tidak dilalaikan oleh
perniagaan dan tidak (pula) oleh jual beli dari mengingat Allah, mendirikan
shalat, dan membayarkan zakat. Mereka takut pada suatu hari yang (di hari itu)
hari dan penglihatan menjadi goncang.” (QS. an-Nur: 36-37).</span><span dir="RTL" lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ayat ini
menjelaskan fungsi utama masjid menurut Al-Quran, bahwa masjid adalah tempat
untuk menegakkan berbagai bentuk ibadah kepada Allah <i>ta’ala</i>; shalat,
membaca al-Quran, berdzikir, belajar agama, i’tikaf, dan berbagai ibadah
lainnya. </span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Selanjutnya,
Allah menjelaskan orang yang benar-benar menegakkan peribadatan kepada-Nya,
mereka sama sekali tidak terlalaikan atau tersibukkan dari kegiatan ibadah
hanya karena mengurusi perdagangan. Karena itu, mungkinkah terbayang orang
semacam ini akan menjadikan masjid sebagai tempat untuk berniaga?.</span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Rasulullah
shallallahu 'alaihi wa sallam bersabda, </span></div>
<div class="MsoNormal" dir="RTL" style="background: white; direction: rtl; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right; unicode-bidi: embed;">
<span lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">إِنَّمَا هِيَ لِذِكْرِ
اللهِ عَزَّ وَجِلَّ وَالصَّلاَةِ وَقِرَاءَةِ الْقُرْآنِ</span><span dir="LTR" lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Sesungguhnya
masjid-masjid ini hanyalah untuk tempat berdzikir kepada Allah ‘Azza wa Jalla,
shalat, dan bacaan al-Qur’an.” (HR. Muslim, no. 285).</span><span dir="RTL" lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Demikianlah
karakter orang-orang yang memakmurkan rumah-rumah Allah. Tidak heran bila Allah
Ta’ala memuji orang-orang yang menggunakan masjid sesuai fungsinya. Allah sebut
mereka sebagai pemakmur masjid,</span></div>
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<span lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">إِنَّمَا يَعْمُرُ
مَسَاجِدَ اللهِ مَنْ ءَامَنَ بِاللهِ وَالْيَوْمِ اْلأَخِرِ وَأَقَامَ الصَّلاَةَ
وَءَاتَى الزَّكَاةَ وَلَمْ يَخْشَ إِلاَّ اللهَ فَعَسَى أُوْلاَئِكَ أَن
يَكُونُوا مِنَ الْمُهْتَدِينَ</span><span dir="LTR" lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Yang
memakmurkan masjid-masjid Allah hanyalah orang-orang yang beriman kepada Allah
dan hari kemudian, serta tetap mendirikan shalat, menunaikan zakat, dan tidak
takut (kepada siapapun) selain kepada Allah, maka merekalah orang-orang yang
diharapkan termasuk golongan orang-orang yang mendapat petunjuk.” (QS.
at-Taubah: 18).</span><span dir="RTL" lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sebagai
konsekuensi dari hal ini, Nabi shallallahu ‘alaihi wa sallam melarang umatnya
untuk melakukan kegiatan ekonomi di dalam masjid. Dari Abu Hurairah
radhiyallahu 'anhu, Rasulullah shallallahu 'alaihi wa sallam bersabda,</span></div>
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<span lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">إِذَا رَأَيْتُمْ مَنْ
يَبِيْعُ أَوْ يَبْتَاعُ فِيْ الْمَسْجِدِ فَقُولُوا: لاَ أَرْبَحَ اللهُ
تِجَارَتَكَ </span><span dir="LTR" lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Apabila
kalian melihat ada orang menjual atau membeli di dalam masjid, maka doakanlah
untuknya, ‘<i>Semoga Allah tidak memberikan keuntungan pada perniagaanmu</i>.”
(HR. Turmudzi, no. 1321, Ibn Khuzaimah 1305 dan dishahihkan Al-A’dzami).</span><span dir="RTL" lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dahulu,
Atha’ bin Yasar apabila melihat seorang pedagang yang singgah di masjid, beliau
memanggilnya dan menanyakan kepentingannya. Jika tujuannya hendak berjualan di
masjid, beliau memarahinya dengan berkata, </span></div>
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<span lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">عَلَيْكَ بِسُوقِ
الدُّنْيَا. فَإِنَّمَا هذَا سُوقُ الآخِرَةِ</span><span dir="LTR" lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Pergilah
engkau ke pasar dunia, karena ini adalah pasar akhirat.” (HR. Imam Malik dalam
al-Muwaththa’, 2/244, no. 601).</span><span dir="RTL" lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Masjid
Vs Pasar</span></b><span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dua tempat
ini digambarkan dalam islam sebagai dua tempat yang kontras dan bertentangan.
Yang satu sangat dicintai Allah, yang satu sangat dibenci Allah. </span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dari Abu
Hurairah radhiyallahu 'anhu, Rasulullah shallallahu 'alaihi wa sallam bersabda,
</span></div>
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<span lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">أَحَبُّ الْبِلَادِ إِلَى
اللهِ مَسَاجِدُهَا، وَأَبْغَضُ الْبِلَادِ إِلَى اللهِ أَسْوَاقُهَا</span><span dir="LTR" lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Tempat
yang paling dicintai Allah adalah masjid, dan tempat yang paling dibenci Allah
adalah pasar.” (HR. Muslim 671, Ibn Hibban 1600 dan yang lainnya)</span><span dir="RTL" lang="AR-SA" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Masjid
adalah tempat untuk mengingat Allah. Proyek kegiatan manusia di sana , tertuju
pada akhirat. Sementara pasar tempat orang lupa Allah dan sibuk dunia. Proyek
yang terselenggara, isinya hanya dunia dan dunia. Karena itu, terlalu jauh
ketika disimpulkan bahwa salah satu fungsi masjid adalah untuk pengembangan
kegiatan ekonomi umat. </span><span lang="FI" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-ansi-language: FI; mso-fareast-font-family: "Times New Roman";">Jika maksud pernyataan ini adalah bahwa masjid menjadi tempat kajian
halal-haram, pusat kajian ekonomi islam, dan semacamnya, tentu kita sepakat.
Karena Rasulullah shallallahu 'alaihi wa sallam dalam banyak khutbahnya, beliau
juga menyampaikan masalah halal-haram dalam muamalah antar-sesama manusia. </span><span lang="EN-US" style="color: black; font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";">HUKUM MELAKSANAKAN KEGIATAN BMT DI MASJID</span></b></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Written by Anas Burhanuddin
Wednesday, 06 March 2013 14:47 </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">As-Salamu'alaykum.
Apakah hukumnya melaksanakan kegiatan BMT (Baitul Mal Wat-Tamwil) di ruangan
masjid yang digunakan untuk shalat? seperti pembicaraan simpan pinjam, dan
lain-lain yang sifatnya tamwil al-mal?. Pengurus BMT melaksanakan kegiatan
seperti ini dalam masjid dengan alasan, bahwa pada masa Rasulullah Shallallahu
'alayhi wa Sallam baitul mal juga dilaksanakan di masjid. Benarkah cara
berdalil demikian?, apakah sama antara baitul mal pada masa Rasulullah
shallallahu 'alayhi wa sallam dengan BMT yang ada sekarang?, bukankah pada masa
Rasulullah shallallahu 'alayhi wa sallam itu kegiatan baitul mal itu tidak ada
unsur bisnisnya (tamwil)?, bukankah mengumumkan barang hilang dan berjual beli
dilarang dalam masjid?. Syukran, jazakumullahu khayran. Was-Salamu 'alaykum.
[Ttd: Abul-Hasan] </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> Jawaban:</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span>Saudara Abul Hasan, semoga Allah
menjaga anda. Pembahasan masalah ini kembali kepada masalah hukum jual beli di
masjid. Nabi <i>-shallallah ‘alaihi wasallam-</i> telah melarangnya dalam sabda
beliau yang diriwayatkan Abu Hurairah <i>–radhiyallahu ‘anhu-</i>, </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">إِذَا
رَأَيْتُمْ مَنْ يَبِيعُ أَوْ يَبْتَاعُ في المَسْجِدِ، فَقُولُوا: لا أرْبَحَ
اللهُ تِجَارَتَكَ، وَإِذَا رَأَيْتُمْ مَنْ يَنْشُدُ ضَالَّةً فَقُولُوا: لا
رَدَّهَا الله عَلَيْكَ </span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Jika
kalian melihat orang yang menjual atau membeli di masjid, katakanlah ‘Semoga
perdagangan kalian tidak beruntung’. Dan jika kalian melihat orang yang
mengumumkan barang hilang di sana, katakanlah ‘Semoga Allah tidak mengembalikan
barang itu’.”</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> (HR.
at-Tirmidzi no. 1.321, dihukumi shahih oleh Ibnu Khuzaimah, al-Albani, dan
Ahmad Syakir) </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dan
dalam riwayat Abdullah bin ‘Amr <i>–radhiyallahu ‘anhu-</i>, </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">أنَّ
رسولَ اللهِ صلى الله عليه وسلم نَهَى عَن الشِّراءِ والبَيْعِ في المَسْجِدِ، وَأنْ
تُنْشَدَ فِيهِ ضَالَّةٌ؛ أَوْ يُنْشَدَ فِيهِ شِعْرٌ.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Bahwasanya
Rasulullah <i>-shallallah ‘alaihi wasallam-</i> melarang jual beli, mengumumkan
barang hilang dan membaca syair di masjid.” </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span>Dalam beberapa hadits yang lain Nabi
<i>-shallallah ‘alaihi wasallam-</i> menjelaskan bahwa masjid tidak dibangun
untuk hal-hal seperti itu, tetapi untuk shalat dan membaca al-Qur`an. Dengan
demikian, jelaslah bahwa jual beli di masjid dilarang. Demikian pula akad-akad
semisal yang mengandung transaksi bisnis seperti sewa menyewa dan <i>syarikah</i>
(koperasi). </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span>Saat melihat kepada hakekat dan
praktek Baitul Mal wa Tamwil (BMT) di Indonesia, kita akan dapatkan bahwa
transaksinya tidak lepas dari jual beli, seperti mudharabah, murabahah atau
yang lain. Kegiatan Baitul mal wat tamwil adalah mengembangkan usaha-usaha
produktif dan investasi dalam meningkatkan kualitas kegiatan ekonomi pengusaha
kecil. BMT berorientasi bisnis, mencari laba bersama, meningkatkan pemanfaatan
ekonomi untuk anggota dan lingkungannya. Karena itu, sebagian peneliti
mengindonesiakan kepanjangan BMT menjadi Balai-usaha Mandiri Terpadu. BMT
bukanlah lembaga sosial, meski dapat dimanfaatkan untuk mengefektifkan
penggunaan zakat, infaq dan sadaqah bagi kesejahteraan orang banyak.<a href="http://www.blogger.com/blogger.g?blogID=2992308932947570326#_ftn1" name="_ftnref1" style="mso-footnote-id: ftn1;" title=""><span style="mso-special-character: footnote;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span></a>[1] </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span>Adapun Baitul Mal pada zaman Nabi <i>-shallallah
‘alaihi wasallam-</i> dan Khulafa Rasyidin <i>–radhiyallahu ‘anhum-</i>,
fungsinya adalah mengurus pemasukan dan pengeluaran negara. <i>Domain</i>nya
adalah zakat, <i>kharaj, jizyah, ghanimah, fai`,</i> wakaf dan semisalnya.<a href="http://www.blogger.com/blogger.g?blogID=2992308932947570326#_ftn2" name="_ftnref2" style="mso-footnote-id: ftn2;" title=""><span style="mso-special-character: footnote;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span></a>[2] Jadi tugas
Baitul Mal adalah mengatur pendapatan negara dan membelajakan atau
menyalurkannya kepada yang berhak. Tidak ada unsur bisnis di dalamnya. </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span>Sebagian harta itu kadang disimpan
oleh Nabi <i>-shallallah ‘alaihi wasallam-</i> di masjid, sebagaimana
disebutkan dalam hadits Anas bin Malik <i>–radhiyallahu ‘anhu-</i>, </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">أُتي
النبي صلى الله عليه وسلم بمال من البحرين، فقال: انثروه في المسجد.</span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Nabi
-shallallah ‘alaihi wasallam- dikirimi harta dari Bahrain, maka beliau berkata,
“Letakkan di masjid.”</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">
(HR. al-Bukhari no. 411) Dan hadits ini tidak bertentangan dengan hadits
larangan jual beli di masjid, karena penyimpanan harta dari Bahrain ini tidak
mengandung unsur jual beli. </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span>Dengan demikian jelaslah perbedaan
antara Baitul Mal dan BMT. Meski menjalankan sebagian fungsi Baitul Mal, tujuan
utama BMT adalah bisnis, sehingga kegiatan BMT tidak boleh dilakukan di dalam
masjid, kecuali kegiatan yang tidak mengandung unsur bisnis seperti penerimaan
zakat dan simpan pinjam nirlaba (non ribawi). Apalagi, masih banyak BMT yang
ternyata tidak lepas dari transaksi ribawi. Transaksi yang demikian adalah
haram, baik dilakukan di dalam masjid maupun di luar. </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-tab-count: 1;"> </span>Adapun ruangan khusus yang berada di
luar dinding masjid, meskipun masih menyambung dengannya, ia bukan merupakan
bagian dari masjid dan tidak mengikuti hukumnya. Jual beli boleh dilakukan di
tempat seperti ini, sebagaimana difatwakan oleh Komite Tetap untuk Riset Ilmiah
dan Fatwa di Kerajaan Arab Saudi.<a href="http://www.blogger.com/blogger.g?blogID=2992308932947570326#_ftn3" name="_ftnref3" style="mso-footnote-id: ftn3;" title=""><span style="mso-special-character: footnote;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span></a>[3] Wallahu
A’lam.</span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";">Hukum
Berniaga di Dalam Masjid</span></b></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Pertanyaan</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Assalamu'alaikum
warohmatullahi wabarokatuh</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Semoga Allah terus-menerus
memberikan karunia ilmu yang besar buat pak ustadz untuk mengajar dan membangun
ummat ini. Pertanyaan saya kali ini adalah berkaitan hukum berniaga di dalam
masjid, boleh atau tidak?</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Setahu saya ada sebuah hadith yang
menyebut tentang hal ini:</span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Abdullah
bin Amru al-Ass berkata bahawa Nabi s. A. W. Melarang jual beli di dalam masjid</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">. (Mafhum hadith riwayat Tirmizi).</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Tetapi beberapa kali sewaktu
qiamullail di masjid dekat universitas tempat saya belajar, ada di kalangan
teman-teman saya sering membawa barang-barang jualan seperti makanan dan
buku-buku lalu berjualan di dalam masjid.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Saya juga ada membuat kajian tentang
arsitektur masjid di seluruh dunia dan saya dapati ada di antara masjid lama
seperti Masjid Wazir Khan di Pakistan, yang dibina sewaktu Empayar Mughal,
mempunyai ruangan toko-toko kecil di dalamnya untuk orang berniaga.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Saya jadi bingung kerana teman-teman
saya bukan kalangan orang yang rendah ilmu agamanya dan saya kira tidak mungkin
pemimpin Islam zaman dulu membangun toko-toko di dalam masjid itu
sewenang-wenangnya dengan tidak mengkaji kebolehannya dari segi syariat.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Bagaimana pula hukumnya kalau kita
mahu mempromosi barang-barang jualan kita di dalam masjid tetapi urusan jual
beli dibuat di luar masjid. Contohnya seorang penceramah selesai ceramah di
masjid mengajak orang untuk membeli kaset dan buku tulisannya yang ada di luar
masjid, atau dengan melekat iklan-iklan di dinding atau papan notis dalam
masjid. Boleh atau tidak?</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Mohon penjelasan yang seksama dari
pak ustadz dengan dalil-dalil dari Al-Qur'an dan Hadith baginda Rasulullah S.
A. W.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sekian, terima kasih</span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Wa'alaikumsalam
warohmatullahi wabarokatuh</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br />
<br />
Wafiy</span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Jawaban</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Assalamu
'alaikum warahmatullahi wabarakatuh, </span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Apa yang anda sampaikan tentang
larangan melakukan jual beli di dalam masjid memang ada dasarnya, yaitu sabda
Nabi Muhammad SAW berikut ini:</span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dari Amru
bin Sy'aib ra dari ayahnya dari kakeknya berkata, "Rasulullah SAW melarang
berjual beli di dalam masjid</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">."
(HR Ahmad dalam Musnadnya dan Abu Daud)</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Jumhur ulama selain Al-Hanafiyah
mengatakan bahwa larangan untuk berjual beli di dalam masjid adalah larangan
yang bersifat mutlak. Sehingga semua jenis jual beli, baik yang nilainya besar
apalagi yang nilainya kecil, hukumnya haram. Baik jual beli itu bersifat
darurat atau tidak.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Namun mazhab Al-Hanafiyah yang punya
latar belakang khusus dalam masalah jual beli di dalam masjid. Mereka masih
memberikan keluasan untuk terjadinya jual beli di dalam masjid, bila memang
sangat diperlukan. Misalnya, sangat diperlukannya kitab-kitab yang diperlukan
dalam kajian agama. Dan kitab itu bagian dari taklim yang memang bagian dari
peran sebuah masjid sebagai pusat ilmu pengetahuan agama.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Namun mazhab ini membolehkan hal itu
selama nilainya kecil. Sedangkan yang nilainya besar tidak dibolehkan oleh
mereka. Maka jual beli kitab antara pihak percetakan dan distributornya lebih
merupakan bisnis ketimbang kebutuhan darurat di dalam sebuah masjid. Sehingga
hal itu termasuk dalam larangan.</span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Wilayah
'Suci' dan 'Sakral' Masjid</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Di sisi lain, larangan untuk berjual
beli di dalam masjid sesunguhnya berlaku bila dilakukan di dalam wilayah 'suci'
dan 'sakral' yang ada di dalam masjid. Di luar itu, meski masih merupakan asset
masjid, namun tidak termasuk wilayah 'suci' dan 'sakral', sehingga hukum
larangan itu tidak berlaku.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Misalnya halaman atau pelataran
masjid, sesungguhnya kebanyakan pengurus masjid tidak mengikrarkannya sebagai
wilayah suci dan sakral. Termasuk juga tempat wudhu, WC, toilet, gudang, atau
tempat pembuangan sampah. Bahkan selasar (teras) masjid pun sering kali tidak
termasuk wilayah yang dimaksud.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Lalu apa batasannya?</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Batasannya sederahana saja, yaitu
ikrar dari pengurus masjid. Entah apa istilah lainnya, DKM atau takmir.
Intinya, penanggung jawab masjid adalah pihak yang bertanggungjawab sekaligus
punya wewenang untuk menetapkan garis batasnya. Dan ketetapan dari takmir ini
mungkin saja dikoreksi dan diperbaharui berdasarkan kebutuhan.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Salah satu contohnya adalah yang
dilakukan oleh salah satu takmir masjid di bilangan pusat kota Jakarta. Karena
kekurangan ruangan untuk sekolah, maka takmir masjid mengikrarkan bahwa lantai
3 masjid itu untuk ruang kelas dan sekolah. Padahal sebelumnya termasuk ruang
shalat. Dengan demikian, murid yang sedang haidh tetap bisa masuk kelas, meski
ruang kelasnya adalah lantai 3 gedung masjid. Semua ditentukan oleh ikrar dari
pengurus masjid.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Demikian juga urusan jual beli di
masjid, asalkan dilakukan di luar wilayah suci dan sakral, hukumnya tidak
terkena larangan. Karena bukan termasuk ke dalam hadits yang dimaksud.</span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Wallahu
a'lam bishshawab, wassalamu 'alaikum warahmatullahi wabarakatuh, </span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ahmad
Sarwat, Lc</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 14.0pt; line-height: 115%;">BERDAGANG DI DALAM MASJID</span></b></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ditulis oleh Dewan Asatidz
</span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Tanya:</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br />
Ustadz, saya ingin menanyakan bagaimana hukumnya orang yang
berjualan/bertransaksi bisnis (berdagang) di dalam masjid? Terima kasih banyak
sebelumnya.<br />
<br />
<b>Winarno Saiman</b><br />
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<b>Jawab:</b><br />
<br />
Disepakati sebagian besar mazhab bahwa melakukan transaksi (baik jual-beli,
sewa-menyewa, dan sejenisnya) di dalam masjid hukumnya makruh, bahkan menurut
mazhab Hanbaliyah haram.<br />
<br />
Lebih lengkapnya kami kemukakan masing-masing pendapat mazhab tersebut: </span></div>
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<li class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt; mso-list: l0 level1 lfo1; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Mazhab Hanafi, mazhab ini
berpendapat transaksi jual-beli dan sewa-menyewa di dalam masjid hukumnya
makruh. Yang diperbolehkan melakukan akad di dalam masjid adalah akad
hibah/pemberian dan sejenisnya. Disunahkan melakukan akad nikah di dalam
masjid.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt; mso-list: l0 level1 lfo1; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Mazhab Maliki, jual-beli makruh
dilakukan di dalam masjid jika bisa mengganggu para jama'ah. Jika tidak
mengganggu jamaah, maka hukumnya tidak makruh, mubah. Untuk akad hibah dan
nikah boleh dilakukan di dalam masjid, bahkan untuk akad nikah hukumnya
sunnah.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt; mso-list: l0 level1 lfo1; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Mazhab Syafi'i, mazhab ini
melarang (mengharamkan) menjadikan masjid sebagai tempat transaksi
jual-beli jika dengan hal ini bisa mengurangi wibawa masjid. Namun jika
tidak mengurangi wibawanya maka jual-beli di masjid hukumnya makruh. Akad
nikah boleh dilakukan di dalam masjid.</span></li>
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melarang (mengharamkan) masjid sebagai tempat jual-beli dan sewa-menyewa.
Seandainya terjadi, maka hukumnya batal, jual-belinya tidak sah. Sunnah
hukumnya melakukan akad nikah di masjid. </span></li>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Demikian
wallahua'lam.</span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">HUKUM
MENGIKLANKAN SEKOLAH DAN PROYEK BISNS DI DALAM MASJID</span></b></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Pertanyaan:</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Bersamaan
dengan masuknya tahun ajaran baru, panitia penerimaan siswa baru sekolah swasta
bersemangat untuk mengiklankan sekolahnya di tengah-tengah masyarakat dengan
berbagai macam cara. Dan di antara salah satu cara tersebut adalah membagikan
buletin iklan, yang menjelaskan program sekolah, keunggulannya dan biaya
sekolah. Mereka bersaing dan berlomba-lomba dalam hal ini, demi mendapatkan
siswa terbanyak.Sampai-sampai sebagian mereka membagi buletin tersebut di dalam
masjid, baik masjid Jami’ <i>(yang digunakan untuk shalat jum’at)</i> ataupun
yang bukan Jami’. Yang mana mereka meletakkan buletin-buletin tersebut di
rak-rak yang dikhususkan untuk menaruh al-Quran, atau ditempel pada papan
pengumuman di masjid atau di samping pintu-pintu masjid bagian dalam. Apa hukum
perbuatan semacam ini dan apa nasehat anda bagi orang yang menemukan buletin
seperti ini di dalam masjid? </span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Jawaban :</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Tidak boleh menjadikan masjid
sebagai tempat untuk menampilkan selebaran dan iklan perdagangan, baik yang
diiklankan itu berupa sekolah yayasan komersial ataupun yang selainnya. Karena
masjid hanya dibangun untuk ibadah kepada Allah seperti shalat, dzikir, belajar
mengajar, membaca al-Quran dan yang semisalnya dari urusan-urusan agama. </span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Adapun penggunaan masjid untuk
hal-hal yang disebutkan dalam soal dan memanfaatkannya-karena manusia di
dalamnya-untuk menaruh buletin dan iklan di dalam masjid, maka itu tidak boleh,
dan bukan termasuk bagian dari agama. Maka hendaknya membersihkan masjid dari
hal semacam ini, dan menjaga kehormatannya serta bersungguh-sungguh untuk tidak
menyibukkan manusia dengan apa-apa yang bisa memalingkan mereka dari ibadah
kepada Allah, atau mengganggu sholat manusia. Allah <i>Subhanahu wa Ta’ala</i>
berfirman: </span></div>
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<span lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">وَأَنَّ الْمَسَاجِدَ لِلَّهِ فَلاَ
تَدْعُوا مَعَ اللهِ أَحَدًا {18} </span><span dir="LTR" lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Dan
sesungguhnya masjid-masjid itu adalah kepunyaan Allah. Maka janganlah kamu
menyembah seseorangpun di dalamnya di samping (menyembah) Allah”</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">.(QS. Al-Jin: 18) </span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dan juga berdasarkan hadits dari Abu
Hurairah <i>radhiyallahu ‘anhu</i> bahwa Rasulullah <i>shallallahu ‘alaihi
wasallam</i> bersabda:</span></div>
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<span lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">إذا رأيتم من يبيع أو يبتاع في المسجد
فقولوا: لاأربح الله تجارتك (رواه النسائي والترمذي وحسنه </span><span dir="LTR" lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“Apabila
kalian melihat orang yang berjual beli di dalam masjid maka katakanlah:”Semoga
Allah tidak memberi untung kepada jual beli kalian’.”</span></i><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">(HR. an-Nasaai dan Tirmidzi dan
beliau menghasankannya) </span><span dir="RTL" lang="AR-SA" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dan memajang iklan termasuk jual
beli. <br />
<i>Wabillahi at-Taufiq Wa Shallallahu ‘Ala Nabiyyinaa Muhammadin Wa Aalihiwa
Shahbihi Wasallam</i> </span></div>
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<b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Lajnah
Daimah Lil Buhuts Wa al-Iftaa</span></b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">
(Syaikh Ibnu Baz, Abdul ‘Aziz Alu Syaikh, Abdullah al-Ghudayan, Shalih
al-Fauzan, Bakr Abu Zaid <i>rahimahumullah</i> ) <br />
Oleh: Abu Yusuf Sujono. </span></div>
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Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman<br />
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Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-37609904487664520942013-04-14T04:39:00.002-07:002013-04-14T04:49:55.174-07:00REDENOMINASI RUPIAH DAN SISTEM KEUANGAN ISLAM<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Arial, Helvetica, sans-serif;">D. Agus Harjito </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"> Ahad, 07 April 2013</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"></span> </div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Tanggal 3 Agustus 2010 Gubernur 2Bank Indonesia merencanakan untuk melakukan </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">redenominasi yaitu </span><span style="font-family: Arial, Helvetica, sans-serif;">penyederhanaan penyebutan satuan harga dan nilai rupiah. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Dasar pemikiran pengajuan redenominasi mata uang rupiah ini adalah adanya inflasi yang </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">tinggi.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Contoh kongkrit rendahnya nilai mata uang akibat inflasi yang tinggi pernah terjadi di </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Indonesia pada tahun </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">1966 dimana tingkat inflasi pada saat itu mencapai 1000 %. Tingginya inflasi ini tercermin </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">dengan adanya </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">penurunan nilai mata uang rupiah (<span style="font-style: italic;">shanering</span>) dari Rp. 1000 (seribu rupiah) menjadi Rp 1 </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">(satu rupiah).</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Untuk mengatasi masalah tersebut, maka Bank Indonesia merencanakan melakukan </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">redenominasi nilai </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">rupiah. Jika redenominasi nilai rupiah ini diimplementasikan mulai tahun 2013, maka </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">redenominasi rupiah </span><span style="font-family: Arial, Helvetica, sans-serif;">akan rampung pada tahun 2020. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Permasalahannya adalah apakah dengan dilakukannya redenominasi nilai rupiah, untuk </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">masa datang nilai </span><span style="font-family: Arial, Helvetica, sans-serif;">uang rupiah akan tetap stabil/tidak berubah lagi ? </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-weight: bold;">Sistim Keuangan Konvensional dan Inflasi</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Ada 2 penyebab utama inflasi itu yaitu tarikan permintaan (<span style="font-style: italic;">demand full inflation</span>) dan \</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">desakan biaya </span><span style="font-family: Arial, Helvetica, sans-serif;">(<span style="font-style: italic;">cost push inflation</span>)</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Terjadinya inflasi di Indonesia saat ini bukan karena tarikan permintaan tetapi lebih banyak </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">karena </span><span style="font-family: Arial, Helvetica, sans-serif;">desakan biaya dan sistim keuangan serta sistem ekonomi yang berlaku saat ini yaitu </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">sistim kapitalis.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Kelemahan utama dari sistim kapitalis saat ini adalah menjadikan <span style="font-style: italic; font-weight: bold;">uang</span> sebagai komoditi </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">dan <span style="font-style: italic; font-weight: bold;">alat </span></span><span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-style: italic; font-weight: bold;">spekulasi</span> dalam perekonomian]</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 80%; text-indent: -0.38in;">Bank merupakan mesin utama dalam sistim ekonomi kapitalis (Dwi Condro Triono. 2008).</span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 80%; text-indent: -0.38in;">Mesin kedua dari sistim ekonomi kapitalis adalah pasar modal yang notabene lebih </span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 80%; text-indent: -0.38in;">bersifat </span><span style="font-style: italic; line-height: 80%; text-indent: -0.38in;">spekulatif.</span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;"></span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;">Redenominasi </span><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;">Rupiah</span><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;"> VS Sistem Keuangan Islam</span></span><span style="color: white; font-weight: bold;"><br /><span style="font-family: Arial, Helvetica, sans-serif;"></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Bukti-bukti yang telah diungkapkan di atas, menunjukkan bahwa sistem keuangan </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">konvensional dalam </span><span style="font-family: Arial, Helvetica, sans-serif;">hal ini kapitalis mempunyai resiko untuk terus menurunkan nilai mata </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">uang termasuk rupiah. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Dengan demikian <span style="font-style: italic;">redenominasi</span> maupun sanering akan terus terjadi selama sistem </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">keuangan yang </span><span style="font-family: Arial, Helvetica, sans-serif;">berlaku tetap seperti yang berlaku saat ini. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Karena itu, perlu dicari sistem keuangan yang tidak menimbulkan terjadinya sanering atau </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">redenominasi. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"></span> </div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Negara yang sukses melakukan redonominasi mata uangnya seperti Turki, Polandia dan </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Rumania karena redonominasi dilakukan pada saat kondisi ekonomi stabil.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Negara yang gagal melakukan redonominasi mata uangnya seperti Brasil, Nigeria, Ghana </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">dan </span><span style="font-family: Arial, Helvetica, sans-serif;">Zimbagwe, karena dilakukan pada saat ekonomi sedang menglami guncangan </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"></span> </div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Melaksanakan redonominasi sekarang nampaknya belum tepat. Hal ini disebabkan pada </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">tahun 2010 lalu dan awal tahun 2011 inflasi mengalami peningkatan dan diperkirakan </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">ancaman inflasi terus akan meningkat.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Peningkatan ancaman inflasi disebabkan karena terjadi krisis pangan, naiknya harga </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">minyak dunia, tarif listrik dansebagainya.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Selain itu, apabila redonominasi dilakukan maka sistim keuangan perlu pula dilakukan </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">perubahan yang mendasar atau penyesuaian. Alternatif yang mungkin adalah </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">menggunakan </span><span style="font-family: Arial, Helvetica, sans-serif;">sistem keuangan Islam. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Mengapa kita harus menggunakan sistem keuangan Islam, karena sistem keuangan Islam </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">secara faktual dapat mengeleminir kemungkinan terjadinya <span style="font-style: italic;">redenominasi</span>, <span style="font-style: italic;">sanering</span>, dan </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-style: italic;">spekulasi</span> </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-weight: bold;">Sistem Keuangan Islam</span><span style="color: white;"> </span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Selanjutnya, sistem keuangan Islam tidak mengenal konsep <span style="font-style: italic;">time value of money</span> </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">seperti dalam sistem keuangan konvensional. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Dalam sistem keuangan Islam yang dikenal adalah <span style="font-style: italic;">economic value of time</span>. Artinya </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">yang berharga itu adalah waktu bukan uang. Dengan adanya konsep <span style="font-style: italic;">time value of </span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-style: italic;">money</span> akan mendorong inflasi karena adanya praktek riba. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Dengan riba selain menimbulkan inflasi, spekulasi terhadap nilai uang akan semakin </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">tinggi yang mendorong lebih besarnya perdagangan uang dari pada barang, sehingga </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">terjadi ketidak seimbangan antara sektor keuangan dengan sektor riil dan antara </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">pasar barang dan pasar uang. Ketidakseimbangan inilah yang menimbulkan krisis </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">dalam perekonomian.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-weight: bold;">Kesim</span><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;">pulan</span><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;"> </span><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;">dan</span><span style="font-weight: bold; line-height: 80%; text-indent: -0.38in;"> Saran</span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Sistem keuangan konvensional/kapitalis yang berbasis bunga akan selalu </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">memicu inflasi dan menimbulkan krisis ekonomi yang berdampak turunnya </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">nilai mata uang. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Upaya redonominasi mata uang hanya mungkin dilakukan jika kondisi </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">ekonomi dalam keadaan stabil, inflasi rendah dan pertumbuhan ekonomi tetap </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">tinggi. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Redenominasi akan berhasil bila dilakukan dalam kondisi ekonomi stabil, </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">inflasi tidak ada dan menggunakan sistem ekonomi dan sistem keuangan yang </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">tidak berbasis bunga yaitu <span style="font-style: italic;">sistim dan bentuk keuangan syariah</span>.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span> </div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="text-align: left;">
<span style="color: #e06666; font-family: Arial, Helvetica, sans-serif;"><em>Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</em></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-6839842639429553332013-04-14T02:04:00.001-07:002013-04-14T03:10:53.205-07:00NOTULEN RAPAT ANGGOTA TAHUNAN KSU SYARI’AH ASSALAM TUTUP BUKU TAHUN 2012<div dir="ltr" style="text-align: left;" trbidi="on">
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<!--[if !supportLists]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV;"><span style="mso-list: Ignore;">1.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">RAT tutup buku tahun 2012 diselenggarakan pada hari </span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Minggu,</span></b><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> tanggal
<b style="mso-bidi-font-weight: normal;">2 </b></span><b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Maret </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">2013
Pukul </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> 19.30 WIB</span></b><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> sd, 22.30 WIB. </span><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">di Serambi Masjid Assalam, Jl. Layur IX/03, Minomartani, Ngaglik, </span><br />
<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Sleman.</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> <o:p></o:p></span></div>
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<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt;"><span style="mso-list: Ignore;">2.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">adir
dalam rapat<span style="mso-spacerun: yes;"> </span>:<o:p></o:p></span></div>
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Anggota sebanyak<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span></span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">: 49 orang dari seluruh
jumlah anggota 7</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">5 </span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">orang <o:p></o:p></span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Pengurus sebanyak<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span></span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<span style="mso-spacerun: yes;"> </span>5 orang<o:p></o:p></span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Dewan Pengawas Syari’ah </span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">: </span><span lang="SV" style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span>3 orang<o:p></o:p></span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Pengawas sebanyak<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span></span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<span style="mso-spacerun: yes;"> </span>3 orang<o:p></o:p></span><br />
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<!--[if !supportLists]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV;"><span style="mso-list: Ignore;">3.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">T</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">amu undangan yang hadir : <o:p></o:p></span></div>
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><em><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Kepala </span></em><em><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dinas Perindustrian, Perdagangan, dan Koperas</span></em><em><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">i</span></em><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Kabupaten </span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Sleman diwakili oleh :
</span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Bapak Tri Wahyu N.H,SE dan Bapak Catur Wibowo selaku Satf Seksi Kelembagaan</span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">, </span><em><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Bidang
</span></em><br />
<em><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> \Koperasi, Usaha Kecil dan Menengah</span></em><em><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">.</span></em><span style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> <span lang="SV"><o:p></o:p></span></span><br />
<br />
<div class="MsoNormal" style="margin: 0cm -2.15pt 0pt 45pt; mso-list: l2 level2 lfo2; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua Takmir Masjid Assalam Minomartani, Kecamatan
Ngaglik, Kabupaten Sleman.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 18pt 0pt 27pt; mso-list: l2 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -27pt;">
<!--[if !supportLists]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV;"><span style="mso-list: Ignore;">4.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Keputusan Rapat :<o:p></o:p></span></div>
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Wakil anggota yang ditunjuk memimpin Rapat Anggota
Tahunan Tutup Buku Tahun 201</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">2</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> adalah </span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Bpk. H. Budi
Hartono, SE.<o:p></o:p></span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Laporan pertanggungjawaban pengurus dan pengawas tutup
buku tahun 201</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">2</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> diterima oleh Rapat </span><br />
<div class="MsoNormal" style="margin: 0cm 18pt 0pt 45pt; mso-list: l2 level2 lfo2; text-align: justify; text-indent: -18pt;">
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Anggota Tahunan</span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">.</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Rancangan Rencana Kerja dan Rancangan Rencana Anggaran
dan Pendapatan Koperasi Tahun </span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> 201</span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">2</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> dapat disahkan menjadi RK
dan RAPBK Tahun 2013.<o:p></o:p></span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Rapat memutuskan recruitment Manager koperasi</span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> di tahun 201</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">3</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">, dengan terlebih dahulu
</span><br />
<div class="MsoNormal" style="margin: 0cm 18pt 0pt 45pt; mso-list: l2 level2 lfo2; text-align: justify; text-indent: -18pt;">
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> membentuk Tim Recruitment.<o:p></o:p></span></div>
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="mso-ansi-language: SV;">Rapat
Memutuskan Rencana Kerja Koperasi (RKK) 2013 terdiri dari:</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span><br />
<span lang="SV" style="mso-ansi-language: SV;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span>1)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="mso-ansi-language: SV;">Pembiayaan
dan Jasa Keuangan Syari’ah.<o:p></o:p></span><br />
<span lang="SV" style="mso-ansi-language: SV;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span>2)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="mso-ansi-language: SV;">Penjualan
Sembako.<o:p></o:p></span><br />
<span lang="SV" style="mso-ansi-language: SV;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span>3)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="mso-ansi-language: SV;">Produksi
Tempe Margarine.<o:p></o:p></span><br />
<span lang="SV" style="mso-ansi-language: SV;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span>4)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="mso-ansi-language: SV;">Usaha
Jasa On-line (<i style="mso-bidi-font-style: normal;">Fastpay</i>)</span><span style="mso-ansi-language: IN;">, Tiketing</span><span lang="SV" style="mso-ansi-language: SV;"><o:p></o:p></span><br />
<span lang="SV" style="mso-ansi-language: SV;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span>5)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="mso-ansi-language: SV;">Usaha
</span><span style="mso-ansi-language: IN;">Perikanan/</span><span lang="SV" style="mso-ansi-language: SV;">Ternak Lele<o:p></o:p></span><br />
<span lang="SV" style="mso-ansi-language: SV;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span>6)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="SV" style="mso-ansi-language: SV;">Usaha
Ternak Cacing Lumbricus.<o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0.2pt 0pt 45pt; mso-list: l2 level2 lfo2; tab-stops: 467.8pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">f. </span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Rapat memilih Penasehat, Pengurus, dan Pengawas dengan
ketetapan sebagai</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> </span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">berikut. <o:p></o:p></span></div>
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">1)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span></i><!--[endif]--><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Susunan
Penasehat KSU Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>ditetapkan mulai tanggal 24 Maret 2013 pada
Rapat </span><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Anggota Tahunan Tutup Buku tahun 2012 yang diselenggarakan di Serambi
Masjid Assalam, </span><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> Minomartani, Ngaglik, Sleman<span style="mso-spacerun: yes;">
</span>sebagai berikut: <i style="mso-bidi-font-style: normal;"><o:p></o:p></i></span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 23.4pt; mso-border-alt: solid white .5pt; mso-border-insideh-themecolor: background1; mso-border-insideh: .5pt solid white; mso-border-insidev-themecolor: background1; mso-border-insidev: .5pt solid white; mso-border-themecolor: background1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 588px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid white; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 148.5pt;" valign="top" width="198"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l5 level1 lfo8; tab-stops: 17.1pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-tab-count: 1;"> </span>
<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 22.5pt;" valign="top" width="30"><div class="MsoNormal" style="margin: 0cm 0cm 0pt; tab-stops: 0cm 3.6pt; text-indent: -0.9pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 270pt;" valign="top" width="360"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 8.1pt 45.0pt; text-align: justify; text-indent: -9pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dr. Ir. Adiarto, MSc.</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 148.5pt;" valign="top" width="198"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l5 level1 lfo8; tab-stops: 57.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 22.5pt;" valign="top" width="30"><div class="MsoNormal" style="margin: 0cm 0cm 0pt; tab-stops: 0cm 45.0pt 171.0pt; text-indent: -0.9pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 270pt;" valign="top" width="360"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 8.1pt 45.0pt 171.0pt; text-align: justify; text-indent: -9pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H.
Irianto, SH., M.Hum.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 148.5pt;" valign="top" width="198"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l5 level1 lfo8; tab-stops: 57.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 22.5pt;" valign="top" width="30"><div class="MsoNormal" style="margin: 0cm 0cm 0pt; tab-stops: 0cm 45.0pt 171.0pt; text-indent: -0.9pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 270pt;" valign="top" width="360"><div class="MsoNormal" style="line-height: 150%; margin: 0cm 0cm 0pt 8.1pt; tab-stops: 8.1pt; text-indent: -9pt;">
<span lang="EN-US" style="font-size: 11pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs.
Istiaji Subekti.<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoListParagraph" style="margin: 6pt 0cm 0pt 63pt; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">2)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span></i><!--[endif]--><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Kepengurusan Periode Tahun 2010 sd. 2012 :<o:p></o:p></span></i></div>
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Susunan
Pengurus KSU Syari’ah Assalam untuk pertama kalinya diangkat sebagai Pengurus,
terhitung mulai tanggal 27 Januari 2010 pada Rapat pendirian yang
diselenggarakan di Serambi Masjid Assalam, Minomartani, Ngaglik, Sleman dan
tertuang dalam Akta Pendirian Koperasi Serba Usaha Syari’ah Assalam,<b style="mso-bidi-font-weight: normal;"> </b>Nomor: 02, Sleman, 20 Mei 2010 sebagai
berikut: <o:p></o:p></span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 23.4pt; mso-border-alt: solid white .5pt; mso-border-insideh-themecolor: background1; mso-border-insideh: .5pt solid white; mso-border-insidev-themecolor: background1; mso-border-insidev: .5pt solid white; mso-border-themecolor: background1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 582px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid white; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l3 level1 lfo3; tab-stops: 18.0pt 45.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-tab-count: 1;"> </span>
<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 12.6pt; tab-stops: 5.2pt 12.6pt; text-indent: -4.5pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td colspan="2" style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 270pt;" valign="top" width="360"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 3.6pt 45.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. Doso Winarno, SMT.Ars.,M.Si<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-row-margin-right: 45.0pt; mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l3 level1 lfo3; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Wakil Ketua<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 225pt;" valign="top" width="300"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 3.6pt 45.0pt 171.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs..H. Sagiman Sakiyo<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border: 0px rgb(0, 0, 0); mso-cell-special: placeholder; padding: 0cm;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
</div>
</td>
</tr>
<tr style="mso-row-margin-right: 45.0pt; mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l3 level1 lfo3; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Sekretaris<span style="mso-spacerun: yes;">
</span>I<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 225pt;" valign="top" width="300"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 3.6pt 45.0pt 171.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Purwadi, S.T.<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border: 0px rgb(0, 0, 0); mso-cell-special: placeholder; padding: 0cm;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
</div>
</td>
</tr>
<tr style="mso-row-margin-right: 45.0pt; mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l3 level1 lfo3; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Bendahara<span style="mso-spacerun: yes;">
</span>I<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 225pt;" valign="top" width="300"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 3.6pt 171.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Salam Hadi, B.Sc.<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border: 0px rgb(0, 0, 0); mso-cell-special: placeholder; padding: 0cm;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
</div>
</td>
</tr>
<tr style="mso-row-margin-right: 45.0pt; mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l3 level1 lfo3; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Bendahara<span style="mso-spacerun: yes;">
</span>II<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 225pt;" valign="top" width="300"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 3.6pt 45.0pt 171.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Kelik Maryono, S.E.<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border: 0px rgb(0, 0, 0); mso-cell-special: placeholder; padding: 0cm;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
</div>
</td>
</tr>
</tbody></table>
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Susunan
Dewan Pengawas Syari’ah KSU Syari’ah Assalam sesuai dengan hasil </span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Rekomendasi Dewan Pengawas Syari’ah dari MUI
Kabupaten Sleman dan hasil dari kesepakatan rembug pada </span><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Rapat
Pendirian 27 Januari 2010 yang tertuang dalam Akta Pendirian Koperasi Serba
Usaha Syari’ah Assalam,<b style="mso-bidi-font-weight: normal;"> </b>Nomor: 02,
Sleman, 20 Mei 2010 adalah sebagai berikut :<o:p></o:p></span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 23.4pt; mso-border-alt: solid white .5pt; mso-border-insideh-themecolor: background1; mso-border-insideh: .5pt solid white; mso-border-insidev-themecolor: background1; mso-border-insidev: .5pt solid white; mso-border-themecolor: background1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 600px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid white; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l0 level1 lfo4; tab-stops: 18.0pt 45.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-tab-count: 1;"> </span>
<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 12.6pt; tab-stops: 5.2pt 45.0pt; text-align: justify; text-indent: -9pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 10cm;" valign="top" width="378"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 17.1pt; tab-stops: 18.0pt 45.0pt; text-align: justify; text-indent: -13.5pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. </span><span style="color: black; font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H. </span><span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Sidik Tono, M.Hum.</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l0 level1 lfo4; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 12.6pt; tab-stops: 5.2pt 45.0pt 171.0pt; text-align: justify; text-indent: -9pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 10cm;" valign="top" width="378"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 17.1pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. </span><span style="color: black; font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H. </span><span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dwipraptono Agus Harjito, MM.
Ph.D</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 57.6pt; mso-list: l0 level1 lfo4; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 12.6pt; tab-stops: 5.2pt 45.0pt 171.0pt; text-align: justify; text-indent: -9pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 10cm;" valign="top" width="378"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 17.1pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. H. Al Hasin, MBA</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
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</tbody></table>
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Susunan
Pengawas KSU Syari’ah Assalam sesuai dengan hasil Rapat Pendirian 27 Januari
2010 yang tertuang dalam Akta Pendirian Koperasi Serba Usaha Syari’ah Assalam,<b style="mso-bidi-font-weight: normal;"> </b>Nomor: 02, Sleman, 20 Mei 2010 sebagai
berikut :<o:p></o:p></span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 23.4pt; mso-border-alt: solid white .5pt; mso-border-insideh-themecolor: background1; mso-border-insideh: .5pt solid white; mso-border-insidev-themecolor: background1; mso-border-insidev: .5pt solid white; mso-border-themecolor: background1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 594px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid white; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l6 level1 lfo5; tab-stops: 17.1pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-tab-count: 1;"> </span> <o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 17.1pt 45.0pt; text-indent: -4.5pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 21.6pt; tab-stops: 18.0pt 45.0pt; text-align: justify; text-indent: -18pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">dr. H. Probosuseno, Spd., K.Ger.</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l6 level1 lfo5; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 17.1pt 45.0pt 171.0pt; text-indent: -4.5pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 21.6pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -18pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span>H. Dwi Wiyono, SE.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l6 level1 lfo5; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 17.1pt 45.0pt 171.0pt; text-indent: -4.5pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 21.6pt; tab-stops: 48.0pt; text-indent: -18pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Hj. </span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dyah
Maryulina Budi Mumpuni., SH.<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; text-indent: -18pt;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></i></div>
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">3)</span></span></i><!--[endif]--><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span>Kepengurusan PeriodeT ahun 2013 sd. 2015 :<o:p></o:p></span></i><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Susunan
Pengurus KSU Syari’ah Assalam untuk kedua kalinya diangkat sebagai Pengurus,
terhitung mulai tanggal 24 Maret 2013 pada Rapat Anggota Tahunan Tutup Buku
tahun 2012 yang diselenggarakan di Serambi Masjid Assalam, Minomartani,
Ngaglik, Sleman<span style="mso-spacerun: yes;"> </span>sebagai berikut: <o:p></o:p></span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 23.4pt; mso-border-alt: solid white .5pt; mso-border-insideh-themecolor: background1; mso-border-insideh: .5pt solid white; mso-border-insidev-themecolor: background1; mso-border-insidev: .5pt solid white; mso-border-themecolor: background1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 588px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid white; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l4 level1 lfo6; tab-stops: 21.6pt 53.1pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua Umum <o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 274.5pt;" valign="top" width="366"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 18.0pt 45.0pt; text-align: justify; text-indent: -59.4pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs.
Doso Winarno, SMT.Ars.,M.Si<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l4 level1 lfo6; tab-stops: 21.6pt 53.1pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-spacerun: yes;">
</span>I<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 274.5pt;" valign="top" width="366"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -59.4pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H.
Budi Hartono, SE<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l4 level1 lfo6; tab-stops: 21.6pt 53.1pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-spacerun: yes;">
</span>II<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 274.5pt;" valign="top" width="366"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -59.4pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">M.
Faried Cahyono, SE.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l4 level1 lfo6; tab-stops: 21.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Sekretaris<span style="mso-spacerun: yes;">
</span>I<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 274.5pt;" valign="top" width="366"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -59.4pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Purwadi,
S.T.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l4 level1 lfo6; tab-stops: 21.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Sekretaris<span style="mso-spacerun: yes;">
</span>II<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 274.5pt;" valign="top" width="366"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -59.4pt;">
<span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. </span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dwi Mulyatma
</span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">M</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">S</span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l4 level1 lfo6; tab-stops: 21.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">f)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Bendahara<span style="mso-spacerun: yes;">
</span>I<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 274.5pt;" valign="top" width="366"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 8.1pt 171.0pt; text-align: justify; text-indent: -59.4pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Salam
Hadi, B.Sc.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l4 level1 lfo6; tab-stops: 21.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">g)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Bendahara<span style="mso-spacerun: yes;">
</span>II<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 274.5pt;" valign="top" width="366"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 8.1pt 171.0pt; text-align: justify; text-indent: -59.4pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H.
Moh. Arief Suyanto<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Susunan Dewan Pengawas Syari’ah KSU Syari’ah
Assalam masih sesuai dengan hasil </span><span lang="EN-US" style="font-size: 11pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Rekomendasi
Dewan Pengawas Syari’ah dari MUI Kabupaten Sleman dan hasil dari kesepakatan
rembug pada </span><span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Rapat Pendirian 27 Januari 2010 yang tertuang
dalam Akta Pendirian Koperasi Serba Usaha Syari’ah Assalam,<b style="mso-bidi-font-weight: normal;"> </b>Nomor: 02, Sleman, 20 Mei 2010 adalah sebagai berikut :<o:p></o:p></span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 23.4pt; mso-border-alt: solid white .5pt; mso-border-insideh-themecolor: background1; mso-border-insideh: .5pt solid white; mso-border-insidev-themecolor: background1; mso-border-insidev: .5pt solid white; mso-border-themecolor: background1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 594px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid white; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l7 level1 lfo7; tab-stops: 17.1pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-tab-count: 1;"> </span> <o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 18.0pt 45.0pt; text-align: justify; text-indent: -4.5pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. </span><span style="color: black; font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H. </span><span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Sidik Tono, M.Hum.</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l7 level1 lfo7; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -4.5pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. </span><span style="color: black; font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H. </span><span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dwipraptono Agus Harjito, MM.
Ph.D</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l7 level1 lfo7; tab-stops: 18.0pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 3.6pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify; text-indent: -4.5pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Drs. H. Al Hasin, MBA</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
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</tbody></table>
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span><br />
<span lang="EN-US" style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Susunan
Pengawas KSU Syari’ah Assalam terhitung mulai tanggal 24 Maret 2013 pada Rapat
Anggota Tahunan Tutup Buku tahun 2012 yang diselenggarakan di Serambi Masjid
Assalam, Minomartani, Ngaglik, Sleman<span style="mso-spacerun: yes;">
</span>sebagai berikut: <o:p></o:p></span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 23.4pt; mso-border-alt: solid white .5pt; mso-border-insideh-themecolor: background1; mso-border-insideh: .5pt solid white; mso-border-insidev-themecolor: background1; mso-border-insidev: .5pt solid white; mso-border-themecolor: background1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 594px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid white; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l5 level1 lfo8; tab-stops: 17.1pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Ketua<span style="mso-tab-count: 1;"> </span>
<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 3.6pt 5.2pt; text-indent: -4.5pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span>:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: white white white rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 63pt; tab-stops: 18.0pt 45.0pt; text-align: justify; text-indent: -54.9pt;">
<span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Hj. </span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dyah Maryulina Budi Mumpuni., SH.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l5 level1 lfo8; tab-stops: 57.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 5.2pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 8.1pt; tab-stops: 18.0pt 45.0pt 171.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H. Dwi Wiyono, SE.<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid white .5pt; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 139.5pt;" valign="top" width="186"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 53.1pt; mso-list: l5 level1 lfo8; tab-stops: 57.6pt 171.0pt; text-align: justify; text-indent: -13.5pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">f)<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Anggota</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 27pt;" valign="top" width="36"><div class="MsoNormal" style="margin: 0cm 0cm 0pt 5.2pt; tab-stops: 5.2pt 45.0pt 171.0pt;">
<span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">:<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) white white rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid white .5pt; mso-border-bottom-themecolor: background1; mso-border-left-alt: solid white .5pt; mso-border-left-themecolor: background1; mso-border-right-themecolor: background1; mso-border-themecolor: background1; mso-border-top-alt: solid white .5pt; mso-border-top-themecolor: background1; padding: 0cm 5.4pt; width: 279pt;" valign="top" width="372"><div class="MsoNormal" style="line-height: 150%; margin: 0cm 0cm 0pt; tab-stops: 48.0pt;">
<span lang="EN-US" style="color: black; font-size: 11pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">H. Sulchan, SE.</span><span lang="EN-US" style="font-size: 11pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Demikian Notulen Rapat Anggota Tahunan KSU SYARI’AH ASSALAM<span style="mso-spacerun: yes;"> </span>Tutup Buku Tahun 201</span><span lang="EN-US" style="font-size: 11pt; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">2</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">.<o:p></o:p></span><br />
<div align="center" class="MsoNormal" style="margin: 0cm -2.15pt 0pt 27pt; text-align: center;">
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Sleman,<span style="mso-spacerun: yes;"> </span>24 </span><span style="font-size: 11pt; mso-ansi-language: IN; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Maret</span><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"> 2013</span><br />
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pengurus <o:p></o:p></span></div>
<br />
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin: auto auto auto 41.4pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border: rgb(0, 0, 0); padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">KETUA</span><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span> </div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">(Doso Winarno)</span></b><b style="mso-bidi-font-weight: normal;"><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></b></div>
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<td style="background-color: transparent; border: rgb(0, 0, 0); padding: 0cm 5.4pt; width: 264.6pt;" valign="top" width="353"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">SEKRETARIS</span><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></div>
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<span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span> </div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="font-size: 11pt; mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">(Purwadi)</span></b><b style="mso-bidi-font-weight: normal;"><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="mso-ansi-language: SV; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p> </o:p></span></b></div>
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<br />
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<em><span style="color: red;">Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</span></em></div>
Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-51576032270255950172013-04-14T01:54:00.000-07:002013-04-14T01:54:26.314-07:00Karakteristik Ekonomi Islam<div dir="ltr" style="text-align: left;" trbidi="on">
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<span lang="EN-US">Monday, 21
April 2008 <strong>Karakteristik Ekonomi Islam</strong><br />
<br />
Dr. H. Surachman Hidayat, MA <br />
<em>(Dosen Luar Biasa STEI Tazkia)</em></span></div>
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<span lang="EN-US">Sebutan “Ekonomi Islam” melahirkan kesan
beragam. Bagi sebagian kalangan, kata ‘Islam’ memposisikan Ekonomi Islam pada
tempat yang sangat esklusif, sehingga menghilangkan nilai kefitrahannya sebagai
tatanan bagi semua manusia. Bagi lainnya, Ekonomi Islam digambarkan sebagai
ekonomi hasil racikan antara aliran kapitalis dan sosialis, sehingga ciri khas
khusus yang dimiliki oleh Ekonomi Islam itu sendiri hilang.</span></div>
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<span lang="EN-US">Padahal sebenarnya Ekonomi Islam adalah
satu sistem yang mencerminkan fitrah dan ciri khasnya sekaligus. Dengan
fitrahnya Ekonomi Islam merupakan satu sistem yang dapat mewujudkan keadilan
ekonomi bagi seluruh umat. Sedangkan dengan ciri khasnya, Ekonomi Islam dapat
menunjukkan jati dirinya – dengan segala kelebihannya -- pada setiap sistem
yang dimilikinya.<br />
<br />
Ekonomi Rabbani menjadi ciri khas utama dari model Ekonomi Islam. Chapra
menyebutnya dengan Ekonomi Tauhid. Tapi secara umum dapat dikatakan sebagai
“divine economics”. Cerminan watak “Ketuhanan” ekonomi Islam bukan pada aspek
pelaku ekonominya -- sebab pelakunya pasti manusia -- tetapi pada aspek aturan
atau sistem yang harus dipedomani oleh para pelaku ekonomi. Ini didasarkan pada
keyakinan bahwa semua faktor ekonomi termasuk diri manusia pada dasarnya adalah
kepunyaan Allah, dan kepadaNya (kepada aturanNya) dikembalikan segala urusan
(3: 109). Melalui aktivitas ekonomi, manusia dapat mengumpulkan nafkah sebanyak
mungkin, tetapi tetap dalam batas koridor aturan main..”Dialah yang memberi
kelapangan atau membatasi rezeki orang yang Dia kehendaki” (42: 12; 13: 26).
Atas hikmah Ilahiah, untuk setiap makhluk hidup telah Dia sediakan rezekinya
selama ia tidak menolak untuk mendapatkannya (11: 6). Namun Allah tak pernah
menjamin kesejahteraan ekonomi tanpa manusia tadi melakukan usaha. <br />
<br />
Sebagai ekonomi yang ber-Tuhan maka Ekonomi Islam -- meminjam istilah dari
Ismail Al Faruqi -- mempunyai sumber “nilai-nilai normatif-imperatif”, sebagai acuan
yang mengikat.. Dengan mengakses kepada aturan Ilahiah, setiap perbuatan
manusia mempunyai nilai moral dan ibadah. Setiap tindakan manusia tidak boleh
lepas dari nilai, yang secara vertikal merefleksikan moral yang baik, dan
secara horizontal memberi manfaat bagi manusia dan makhluk lainnya. Nilai moral
“samahah” (lapang dada, lebar tangan dan murah hati) ditegaskan dalam Hadits
riwayat Imam Bukhari dan Muslim, sebagai prasyarat bagi pelaku ekonomi untuk
mendapatkan rahmat Ilahi, baik selaku pedagang, konsumen, debitor maupun
kreditor. Dengan demikian, posisi Ekonomi Islam terhadap nilai-nilai moral
adalah sarat nilai (value loaded), bukan sekadar memberi nilai tambah (added
value) apalagi bebas nilai (value neutral). <br />
<br />
Bagi paham ekonomi naturalistis sumber daya alam adalah faktor paling penting.
Sedangkan bagi aliran monetaris yang terpenting adalah modal finansial. Tapi
bagi ekonomi Islam sumber daya manusialah (humane capital), yang ternilai,
sebagai kuncinya. Al Quran memposisikan manusia sebagai pusat sirkulasi manfaat
ekonomi dari berbagai sumber daya yang ada ( 14: 32-34). Sekaligus sebagai
penerima amanah “khilafah” dari Allah SWT, memakmurkan kehidupan di muka bumi
dengan mengolah sumber daya yang Dia sediakan (11: 61). <br />
<br />
Karakter ini merupakan derivasi dari karakter ummat Islam sebagai “Ummatan
Wasathan”(Umat Moderat) (2:143), yang mengemban tugas sebagai “syuhada” yakni
rujukan kebenaran dan standar kebaikan bagi umat manusia (A. Yusuf Ali:58).
Dalam pencermatan beberapa kitab tafsir, posisi “wasathan” mempunyai lebih dari
satu konotasi makna. Yang pertama maknanya “tawassuth” yakni moderat. Kedua
bermakna “tawazun” yakni seimbang (balance). <br />
<br />
Ketiga bermakna “khairan” yakni terbaik dan alternatif. Itu artinya, dalam
Islam dan ekonomi Islam tidak ada tempat untuk ekstrimitas. Baik ekstrimitas
kapitalis maupun sosialis. Ekonomi Islam memuji “si kaya” yang mengelola
hartanya secara benar, tetapi juga sangat peduli utuk memberdayakan “fuqara”.
Kebijakan politik ekonomi Islam tak pernah segan untuk menindak si kaya yang
tidak menunaikan hak-hak sosial dari hartanya, dan “menjewer” fuqara yang
meminta belas kasihan karena malas. Ini menempatkan Ekonomi Islam sebagai
ekonomi alternatif atau “khairan”, dan nilai lebih itu diakomodasikan tanpa
keraguan. <br />
<br />
Islam memerintahkan kepada manusia untuk berkoperasi dalam segala hal, kecuali
dalam perbuatan dosa secara vertikal dan permusuhan horizontal (5:3).
Pelaksanaannya dapat dilakukan secara bilateral, multilateral, dari tingkat
lokal hingga global, tanpa harus dihambat oleh perbedaan apapun juga (49:13).
Perwujudan pola kerjasama yang dianjurkan Islam dapat dilakukan dalam skema
apapun, tetapi tetap berlandaskan adanya upaya perealisasian wujud
tolang-menolong yang sesungguhnya. Demi tegaknya keadilan, Allah telah
meletakkan “mizan”, suatu timbangan akurat yang paling objektif. Siapapun tidak
boleh melanggarnya (36: 7). Siapapun tidak dibenarkan jadi korban ketidak
adilan. <br />
<br />
Itulah Ekonomi Islam, yang bersifat Ilahiah-insaniah, terbuka tapi selektif,
toleran tapi tak kenal kompromi dalam menegakkan keadilan. Semua itu untuk
kesejahteraan umum di dunia dan kebahagiaan di akhirat</span></div>
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<span lang="EN-US"><o:p> </o:p></span></div>
<br />
<br />
<br />
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<br />
<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>
Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-36744124853984458252013-03-17T03:11:00.001-07:002013-03-17T03:21:58.277-07:00RAT 2013 Menjadikan Koperasi sebagai Syirkah/Syarikah<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Arial, Helvetica, sans-serif;">Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br />
</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;">Dalam
Islam, koperasi tergolong sebagai syirkah/syarikah. Lembaga ini adalah wadah
kemitraan, kerjasama, kekeluargaan, dan kebersamaan usaha yang sehat, baik, dan
halal. Dan, lembaga yang seperti itu sangat dipuji Islam seperti dalam firman
Allah, “Dan bekerjasamalah dalam kebaikan dan ketakwaan, dan janganlah saling
bekerjasama dalam dosa dan permusuhan.” (Al-Maidah: 2). Lihat juga surat
An-Nisa’: 12 dan Shaad: 24.</span></div>
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<span style="line-height: 16pt; text-align: center;"><span style="font-family: Arial, Helvetica, sans-serif; line-height: 16pt;"><br /></span></span>
<span style="line-height: 16pt; text-align: center;"><span style="font-family: Arial, Helvetica, sans-serif; line-height: 16pt;"><br /></span></span>
<span style="font-family: Arial, Helvetica, sans-serif; line-height: 16pt; text-align: center;"><span style="line-height: 16pt;">Nomor :
03/AD/II</span><span lang="IN" style="line-height: 16pt;">I</span><span style="line-height: 16pt;">/</span><span lang="IN" style="line-height: 16pt;">48</span><span style="line-height: 16pt;">
</span><span lang="IN" style="line-height: 16pt;">15</span><span lang="IN" style="line-height: 16pt;"> </span><span style="line-height: 16pt;">Maret </span><span style="line-height: 16pt;"> </span><span style="line-height: 16pt;">201</span><span lang="IN" style="line-height: 16pt;">3</span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Lampiran
: 1 Lembar<o:p></o:p></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Perihal : <b><i><u><span lang="SV">Undangan RAT</span></u></i></b><span lang="SV"> </span><o:p></o:p></span></div>
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<b><br /></b>
<b>Kepada Yth:</b> <o:p></o:p></div>
</div>
</td></tr>
</tbody></table>
</v:textbox></v:shape>Anggota/ Pengurus/ Pengelola/</span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">Dewan Pengawas Syari’ah/Pengawas.<o:p></o:p></span></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span lang="SV">di Sleman
</span><i><o:p></o:p></i></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<i><span style="font-family: Arial, Helvetica, sans-serif;">Bismillah,
Washshaltu Wassalamu 'ala Rasulillah, Waba'du.<o:p></o:p></span></i></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<i><span style="font-family: Arial, Helvetica, sans-serif;">Assalamu
'alaikum Wr. Wb.<o:p></o:p></span></i></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: 115%;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">Disampaikan dengan hormat,<o:p></o:p></span></span></div>
<div class="MsoBodyTextIndent" style="line-height: 115%; margin: 0in -2.45pt 0.0001pt 0in;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">Mengharap
kehadiran Bapak.Ibu/Saudara besok pada :<o:p></o:p></span></span></div>
<div class="MsoBodyTextIndent" style="line-height: 115%; margin-left: 0in;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">Hari : Minggu<o:p></o:p></span></span></div>
<div class="MsoBodyTextIndent" style="line-height: 115%; margin-left: 0in;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span lang="SV">tanggal :
</span><span lang="IN">2</span>4 Maret<span lang="SV"> 201</span><span lang="IN">3<o:p></o:p></span></span></div>
<div class="MsoBodyTextIndent" style="line-height: 115%; margin-left: 0in;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">J a m
:
19.30 WIB<o:p></o:p></span></span></div>
<div class="MsoBodyTextIndent" style="line-height: 115%; margin-left: 0in;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">Tempat : Serambi Masjid Assalam, <o:p></o:p></span></span></div>
<div class="MsoBodyTextIndent" style="line-height: 115%; margin-left: 0in;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;"> Jl. Layur IX/03, Minomartani, Ngaglik,
Sleman<o:p></o:p></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span lang="SV">A c a r a : Rapat Anggota Tahunan Tutup Buku Tahun 201</span><span lang="IN">2</span> dan pemilihan </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"> </span><span style="font-family: Arial, Helvetica, sans-serif;"> Pengurus</span><span lang="IN" style="font-family: Arial, Helvetica, sans-serif;">,</span><span lang="IN" style="font-family: Arial, Helvetica, sans-serif;"> </span><span lang="IN" style="font-family: Arial, Helvetica, sans-serif;">P</span><span style="font-family: Arial, Helvetica, sans-serif;">engawas</span><span lang="IN" style="font-family: Arial, Helvetica, sans-serif;"> dan Penasehat.</span></div>
<div class="MsoBodyTextIndent" style="line-height: 115%; margin-left: 0in;">
<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;"> <o:p></o:p></span></span></div>
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<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">Demikian atas
kehadirannya kami ucapkan terima kasih<o:p></o:p></span></span></div>
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<o:p></o:p></span></span></div>
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Wa'alaikumsalam
Wr. Wb.</i><span lang="SV"><o:p></o:p></span></span></div>
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<span lang="SV"><span style="font-family: Arial, Helvetica, sans-serif;">Seluruh Anggota KSU
Syari’ah Assalam yang berbahagia.<o:p></o:p></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span lang="SV">Panjatkan
puji dan syukur kehadirat Tuhan Yang Maha Esa atas segala Rahmad, Taufiq dan Hidayah-Nya
kepada kita sekalian, pentingnya bertatap muka dalam Acara Rapat Anggota Tahunan (RAT) yang ke tiga bagi KSU
Syari’ah Assalam Tutup Buku Tahun 201</span><span lang="IN">2</span><span lang="SV">.<o:p></o:p></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Rapat Anggota
Tahunan membahas dan mengesahkan : </span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;">a.<span style="line-height: normal;"> </span><!--[endif]--><span dir="LTR"></span>Laporan Pertanggung Jawaban
Pengurus (LPJP) atas pelaksanaan tugasnya.</span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;">b.<span style="line-height: normal;"> </span><!--[endif]--><span dir="LTR"></span>Neraca dan penjelasannya.</span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;">c.<span style="line-height: normal;"> </span><!--[endif]--><span dir="LTR"></span>Perhitungan Hasil Usaha dan
penjelasannya.</span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;">d.<span style="line-height: normal;"> </span><!--[endif]--><span dir="LTR"></span>Penggunaan dan pembagian Sisa
Hasil Usaha (SHU). </span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;">e.<span style="line-height: normal;"> </span><!--[endif]--><span dir="LTR"></span>Pertanggungjawaban pelaksanaan
tugas pengawas dalam satu tahun buku.</span></div>
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<span lang="IN"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-size: small;">Rapat Anggota Tahunan (RAT) merupakan keputusan
tertinggi di dalam Lembaga Keuangan Syari’ah dalam bentuk Koperasi Serba Usaha
yang mana dilakukan setelah akhir tahun buku. Rapat Anggota Tahunan (RAT)
bertujuan untuk memberikan penjelasan dan gambaran menyangkut perkembangan
kegiatan usaha koperasi sejak 1 Januari sampai dengan 31 Desember Tahun
Berjalan. Pelaksanaan Rapat Anggota Tahunan (RAT) ini dilaksanakan sesuai
dengan Anggaran Dasar (AD) Koperasi Serba Usaha Syari’ah Assalam BAB V Pasal 13
sd Pasal 19. dan </span>Aggaran Rumah Tangga (ART)
Bab. VIII Pasal 26.</span></span><br />
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Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-8697437209872069742012-07-25T20:46:00.000-07:002012-07-25T20:46:21.553-07:00Bazar Ramadhan Ceria 1433 H<div dir="ltr" style="text-align: left;" trbidi="on">
Bazar Ramadhan Ceria 1433 H<br />
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">“Perumpamaan orang-orang
yang menginfakkan hartanya di jalan Allah seperti sebutir biji</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">yang menumbuhkan tujuh tangkai, pada tiap tangkai ada seratus biji.
Allah</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">melipatgandakan bagi siapa yang dikehendaki dan
Allah Maha luas karunianya serta</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Maha Mengetahui”.(</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">QS.
Al Baqarah: 261)</span><span style="font-family: "Corbel","sans-serif";"></span></div>
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<b><span lang="ES" style="color: #e36c0a; font-family: "Corbel","sans-serif";">TEMA</span></b><span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";"></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="font-family: "Corbel","sans-serif"; font-size: 14pt; line-height: 150%;">“Berbagi
Keceriaan dan Menggapai Berkah di Bulan Suci Ramadhan”</span></b><b><span lang="SV" style="color: #33cc33; font-family: "Corbel","sans-serif"; font-size: 14pt; line-height: 150%;"></span></b></div>
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<span lang="SV" style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">Membuat satu
kesatuan kegiatan yang bermanfaat bersama bagi masyarakat yang sekaligus
memiliki nilai sosial, Panitia Ramadhan 1433 H Masjid As-Salam Minormartani,
Ngaglik, </span><span style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">m</span><span lang="SV" style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">engadakan
Baza</span><span style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">a</span><span lang="SV" style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">r </span><span style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">Amal<u>
</u>Ramadhan Ceria</span><span lang="SV" style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;"> yang secara garis besar kegiatan utamanya adalah baza</span><span style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">a</span><span lang="SV" style="font-family: "Corbel","sans-serif"; font-size: 11pt; line-height: 115%;">r
barang sembako dan pakaian layak pakai murah bagi kaum dhuafa yang dimeriahkan
dengan Lomba Melukis anak-anak, lomba menghias parcel bagi pemuda, lomba kreasi
masak hidangan ramadhan bagi ibu-ibu.</span><br />
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<b><span lang="SV" style="color: #e36c0a; font-family: "Corbel","sans-serif";">TUJUAN KEGIATAN</span></b><b><span lang="SV" style="color: #33cc33; font-family: "Corbel","sans-serif";"> </span></b><span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";"></span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Adapun tujuan diadakan kegiatan ini
adalah sebagai berikut: </span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">1.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Menanamkan
rasa kepedulian yang tinggi kepada yang lemah</span><span style="font-family: "Corbel","sans-serif";">,</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"></span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">2.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Meningkatkan
keimana</span><span style="font-family: "Corbel","sans-serif";">n</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> dan ketaqwaan kepada allah SWT</span><span style="font-family: "Corbel","sans-serif";">,</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"></span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">3.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Membina
ukhuwah islamiah</span><span style="font-family: "Corbel","sans-serif";"> dan m</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">engikis
kesenjangan so</span><span style="font-family: "Corbel","sans-serif";">s</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">ial</span><span style="font-family: "Corbel","sans-serif";">,</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"></span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">4.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Membantu para dhuafa dalam</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">menyambut Ramadhan</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #e36c0a; font-family: "Corbel","sans-serif";">SASARAN</span></b><span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";"></span></div>
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<span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";">
</span><br />
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<span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";">
</span></div>
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<span style="font-family: "Corbel","sans-serif";">1.<span style="font: 7pt "Times New Roman";">
</span></span><span style="font-family: "Corbel","sans-serif";">Jamaah masjid Assalam</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> yang terdiri dari kompleks perumnas Minomartani,
Ngori Indah, Taman Krajan & Amanusa yang berjumlah kurang lebih 300 KK.</span><span style="font-family: "Corbel","sans-serif";"></span></div>
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<span style="font-family: "Corbel","sans-serif";">2.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Pemuda-Pemudi
Masjid di Sekitar Desa Minomartani Ngaglik Sleman, </span><span style="font-family: "Corbel","sans-serif";"></span></div>
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<span style="font-family: "Corbel","sans-serif";">3.<span style="font: 7pt "Times New Roman";">
</span></span><span style="font-family: "Corbel","sans-serif";">Kaum dhuafa di lingkungan Kecamatan Ngaglik dan binaan
Yaskarim yang kurang lebih berjumlah 200 KK, </span></div>
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<span style="font-family: "Corbel","sans-serif";">4.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Anak-anak
TPA di beberapa masjid di daerah Minomartani Ngaglik Sleman.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span>
</div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Deskripsi
Kegiatan</span></div>
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<b><span lang="EN-US" style="font-family: "Corbel","sans-serif";">1.<span style="font: 7pt "Times New Roman";">
</span></span></b><b><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Bazar
Sembako Murah Bagi </span></b><b><span style="font-family: "Corbel","sans-serif";">Kaum </span></b><b><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Dhuafa</span></b></div>
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<span lang="PT-BR" style="font-family: "Corbel","sans-serif";">Insya</span><span lang="PT-BR" style="font-family: "Corbel","sans-serif";"> </span><span lang="PT-BR" style="font-family: "Corbel","sans-serif";">allah </span><span lang="FI" style="font-family: "Corbel","sans-serif";">Bazar Amal sembako menyediakan
</span><span style="font-family: "Corbel","sans-serif";">paket
sembako murah yang </span><span lang="PT-BR" style="font-family: "Corbel","sans-serif";">dibagikan/dijual kepada masyarakat</span><span lang="PT-BR" style="font-family: "Corbel","sans-serif";"> </span><span style="font-family: "Corbel","sans-serif";">sebanyak </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">200</span><span style="font-family: "Corbel","sans-serif";"> paket </span></div>
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<span lang="FI" style="font-family: "Corbel","sans-serif";">Paket</span><span lang="FI" style="font-family: "Corbel","sans-serif";"> </span><span lang="FI" style="font-family: "Corbel","sans-serif";">berisi: </span><span style="font-family: "Corbel","sans-serif";"></span></div>
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<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Gula </span><span style="font-family: "Corbel","sans-serif";">½ kg </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">( membutuhkan </span><span style="font-family: "Corbel","sans-serif";">1</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">00 kg
Gula )</span></div>
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<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Minyak </span><span style="font-family: "Corbel","sans-serif";">Goreng</span><span style="font-family: "Corbel","sans-serif";"> </span><span style="font-family: "Corbel","sans-serif";">1</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> Kg</span><span style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">(
Membutuhkan </span><span style="font-family: "Corbel","sans-serif";">2</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">00 Kg Minyak </span><span style="font-family: "Corbel","sans-serif";">Goreng</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> )</span></div>
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<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Mie Instan</span><span style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">( Membutuhkan </span><span style="font-family: "Corbel","sans-serif";">2</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">0 Karton
Mie Instan ) </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 56.25pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -20.25pt;">
<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Baju Layak Pakai </span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Corbel","sans-serif";">2.<span style="font: 7pt "Times New Roman";">
</span></span></b><b><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Bazar
Produk-Produk Kreatif dan Produk kebutuhan Ramadhan & Hari Raya Idul Fitri</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "Corbel","sans-serif";">Bazar Ramadhan Ceria
menyediakan beberapa stand kebutuhan di bulan Ramadhan seperti stand menu buka puasa,
stand fashion & accesoris, stand
buku, stand permainan, stand </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">baju
layak pakai</span><span style="font-family: "Corbel","sans-serif";">, dan
lain-lain. </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Corbel","sans-serif";">3.<span style="font: 7pt "Times New Roman";"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Lomba
Melukis</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Lomba ini diperuntukkan bagi para
anak-anak TPA di beberapa masjid Desa Minomartani Kec. Ngaglik dengan bahan
dasar Celengan sehingga disamping lomba ini mengasah daya kreasi anak-anak
sekaligus celengan hasil kreasi mereka akan dibawa pulang yang secara tidak
langsung mendidik anak-anak untuk giat menabung untuk masa depannya. Dengan
hadiah memperebutkan piala camat Ngaglik dan uang pembinaan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Corbel","sans-serif";">4.<span style="font: 7pt "Times New Roman";"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Lomba
Menghias Parcel</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Lomba ini diperuntukkan bagi
pemuda-pemudi umum yang ditujukan untuk mengekspresikan kreasi para remaja
dalam membuat sesuatu yang memiliki nilai seni dan daya jual sekaligus.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Corbel","sans-serif";">5.<span style="font: 7pt "Times New Roman";"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Lomba
Memasak Kreasi Makanan berbahan Tempe</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Untuk memeriahkan kegiatan bazaar
amal ceria ini, diadakan lomba memasak kreasi makanan dengan bahan dasar tempe
bagi ibu-ibu warga Desa Minomartani Ngaglik Sleman.</span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span>
</div>
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<b><span lang="EN-US" style="font-family: "Corbel","sans-serif";">1.<span style="font: 7pt "Times New Roman";">
</span></span></b><b><span lang="EN-US" style="font-family: "Corbel","sans-serif";">Pembagian
Doorprize</span></b></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Pembagian doorprize ini
merupakan acara hiburan bagi pengunjung bazaar ini sehingga mampu menarik
antusias pengunjung lebih banyak lagi.</span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span>
</div>
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<b><span lang="EN-US" style="color: #e36c0a; font-family: "Corbel","sans-serif";">WAKTU DAN TEMPAT
PELAKSANAAN</span></b><span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";"></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";">
</span><br />
<hr align="center" noshade="noshade" size="2" style="color: #ffc000;" width="100%" />
<span lang="ES" style="color: #33cc33; font-family: "Corbel","sans-serif";">
</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 35.4pt;">
<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Adapun
pelaksanaan Bazar Amal akan dilaksanakan pada bulan Agustus 2012, adapun waktu
dan tempat pelaksanaan sebagai berikut:</span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Hari</span><span style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">: </span><span style="font-family: "Corbel","sans-serif";">Ahad</span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Tangga</span><span style="font-family: "Corbel","sans-serif";">l </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">: 5
Agustus 2012</span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; tab-stops: 3.0cm; text-align: justify;">
<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Waktu</span><span style="font-family: "Corbel","sans-serif";"> </span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">:
Pukul 08.00 WIB s</span><span style="font-family: "Corbel","sans-serif";">.</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";">d</span><span style="font-family: "Corbel","sans-serif";">.</span><span style="font-family: "Corbel","sans-serif";"> </span><span style="font-family: "Corbel","sans-serif";">18.00 WIB</span></div>
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<span lang="EN-US" style="font-family: "Corbel","sans-serif";">Tempat </span><span style="font-family: "Corbel","sans-serif";">:</span><span lang="EN-US" style="font-family: "Corbel","sans-serif";"> </span><span lang="FI" style="font-family: "Corbel","sans-serif";">Kompleks Masjid As-Salam Minomartani Sleman
Yogyakarta</span><span style="font-family: "Corbel","sans-serif";"></span></div>
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<span style="font-family: "Corbel","sans-serif";"></span></div>
<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>
Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-40206448403118764492012-05-09T18:11:00.000-07:002012-05-09T18:11:17.067-07:00R I B A<div dir="ltr" style="text-align: left;" trbidi="on">
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDWNp_Ffr7tdmhm2UeGiJNt4JLY26CGAOEEdcOd1g7s1rctwwyhu7Ra-wKyHZdXg1Thz9B0CAGiVfQplBezYQPGyvEWdhntmKJLRSb8qPq3rUR_1EE4iFMP7GpeO1SBj75VVCRd98VGHQ/s1600/CREASI+LOGO+ASSALAM+web.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="199" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDWNp_Ffr7tdmhm2UeGiJNt4JLY26CGAOEEdcOd1g7s1rctwwyhu7Ra-wKyHZdXg1Thz9B0CAGiVfQplBezYQPGyvEWdhntmKJLRSb8qPq3rUR_1EE4iFMP7GpeO1SBj75VVCRd98VGHQ/s200/CREASI+LOGO+ASSALAM+web.png" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Bersama Berbagi Solusi Syari'ah Bermitra Bersama KSU Syari'ah Assalam</td></tr>
</tbody></table>
<div style="color: #073763; text-align: left;">
<span style="font-family: "Arial";"><span style="font-size: x-small;"> </span></span></div>
<div style="color: #073763; text-align: left;">
<span style="font-family: "Arial";"><span style="font-size: x-small;">Pengertian</span></span></div>
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">- Bahasa : tumbuh dan berkembang</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">- Istilah : tambahan pada sesuatu tertentu']</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Allah berfirman:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">الَّذِينَ
يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي
يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ذَلِكَ بِأَنَّهُمْ قَالُوا
إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Orang-orang
yang makan riba tidak dapat berdiri melainkan seperti berdirinya orang
yang kemasukan syaitan karena tekanan jiwa. Yang demikian itu, adalah
disebabkan mereka berpendapat, sesungguhnya jual beli itu sama dengan
riba...(QS. Al-Baqarah: 275)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Tafsir</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">: “berdirinya orang yang kemasukan syaitan”</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Mereka dibangkitkan pada hari kiamat dalam keadaan sempoyongan seperti kerasukan jin yang kebingungan</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">(Tafsir as-Sa'di, 116)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Allah juga berfirman:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic";"><span style="font-size: x-small;">يَمْحَقُ اللَّهُ الرِّبَا وَيُرْبِي الصَّدَقَاتِ</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Allah akan menghancurkan riba dan mengembangkan sedekah (QS. Al-Baqarah: 276)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Kaidah</span><span style="font-size: x-small;">: Balasan sesuai dengan amal yang dilakukan seseorang.</span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Allah juga berfirman:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic";"><span style="font-size: x-small;">يَا
أَيُّهَا الَّذِينَ آمَنُواْ اتَّقُواْ اللَّهَ وَذَرُواْ مَا بَقِيَ مِنَ
الرِّبا إِنْ كُنْتُمْ مُؤْمِنِينَ، فَإِنْ لَمْ تَفْعَلُواْ فَأْذَنُواْ
بِحَرْبٍ مِنَ اللَّهِ وَرَسُولِهِ</span></span><span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;"> </span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Wahai
orang-orang yang beriman, bertaqwalah kepada Allah dan tinggalkan sisa
riba, jika kalian beriman. Jika kalian tidak melaksanakannya maka
umumkanlah untuk berperang dengan Allah dan Rasul-Nya. (al-Baqarah: 278 –
279)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Keterangan:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">1. Tafsir: “tinggalkan sisa riba” </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Ibn Abbas: Setelah islam, semua riba ditinggalkan kecuali riba bani tsaqif. (Zadul Masir, 1: 248)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">2. Ada 2 dosa yang diancam dengan tantangan perang:</span></span><br style="color: #073763;" /><span style="color: #073763;">
</span><span style="color: #073763; font-family: "Arial";"><span style="mso-tab-count: 1;"><span style="font-size: x-small;"> </span></span><span style="font-size: x-small;">a. Transaksi riba</span></span><br style="color: #073763;" /><span style="color: #073763;">
</span><span style="color: #073763; font-family: "Arial";"><span style="mso-tab-count: 1;"><span style="font-size: x-small;"> </span></span><span style="font-size: x-small;">b. Memusuhi orang shaleh</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Dalil Hadis:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Pertama, dari Jabir bin Abdillah:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">لعن رسول الله صلّى الله عليه وسلّم: آكل الربا، وموكله، وكاتبه، وشاهديه"، وقال: "هم سواء</span><span style="font-size: x-small;">"</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Rasulullah </span><span style="font-size: x-small;">shallallahu 'alaihi wa sallam</span><span style="font-size: x-small;"> melaknat pemakan riba, pemberi makan riba, yang mencatat, dan dua saksi” (Muslim)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Kedua, dari Samurah, Nabi </span><span style="font-size: x-small;">shallallahu 'alaihi wa sallam</span><span style="font-size: x-small;"> bermimpi:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Saya
melihat sebuah sungai darah ada orang di dalamnya (A) dan di pinggir
sungai ada orang yang membawa batu (B). Setiap kali orang yang berada di
dalam sungai hendak keluar, (B) melempari batu ke mulut (A), akhirnya
dia kembali ke tempat semula.” Malaikat: “Yang engkau lihat di sungai
adl pemakan riba” (Bukhari)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Ketiga, dari Abu Hurairah, Nabi </span><span style="font-size: x-small;">shallallahu 'alaihi wa sallam</span><span style="font-size: x-small;"> bersabda:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">اجتنبوا السبع الموبقات: ...وأكل الربا</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Jauhilah 7 dosa pembinasa: (salah satunya),orang yang makan riba” (Bukhari)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Keempat, dari Ibn Mas'ud, Nabi </span><span style="font-size: x-small;">shallallahu 'alaihi wa sallam</span><span style="font-size: x-small;"> bersabda:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">ما أحد أكثر من الربا إلا كان عاقبة أمره إلى قلة</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Tidaklah seseorang memperbanyak riba kecuali ujung hidupnya adalah kemiskinan” (Ibn Majah & disahihkan al-Albani)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Kelima, dari Abu Juhaifah:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">نهى عن ثمن الدم، وثمن الكلب، ....، ولعن الواشمة، والمستوشمة، وآكل الربا، وموكله</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Nabi </span><span style="font-size: x-small;">shallallahu 'alaihi wa sallam</span><span style="font-size: x-small;">
melarang uang darah, uang anjing,..beliau melaknat org yg mentato atau
minta ditato, pemakan riba dan pemberi makan riba” (Bukhari)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Keenam, Ibn Handzalah, Nabi </span><span style="font-size: x-small;">shallallahu 'alaihi wa sallam </span><span style="font-size: x-small;">bersabda:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">درهم ربا يأكله الرجل وهو يعلم أشدُّ من ستٍّ وثلاثين زنية</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Satu dirham riba itu lebih berat dari pada 36 wanita pezina” (Ahmad & dishahihkan Syu'aib al-Arnauth</span><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Ketujuh, dari Ibn Abbas:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">إذا ظهر الزنا والربا في قرية فقد أحلّوا بأنفسهم عذاب الله</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Apabila
zina dan riba telah dilakukan secara terang-terangan dalam satu daerah,
berarti mereka telah menghalalkan adzab Allah untuk diri mereka” (Hakim
& disahihkan ad-Dzahabi)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Kedelapan, Abdullah, Nabi </span><span style="font-size: x-small;">shallallahu 'alaihi wa sallam</span><span style="font-size: x-small;"> bersabda:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">الربا ثلاثة وسبعون باباً أيسرها مثل أن ينكح الرجل أمه</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Riba
ada 73 pintu, yang paling ringan seperti orang yang berzina dengan
ibunya” (Hakim dan disahihkan ad-Dzahabi & Syua'ib al-Arnauth)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Macam-macam Riba</span><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763;"><span style="font-size: x-small;">Riba ada 2 macam:</span></span><br style="color: #073763;" />
<span style="color: #073763;"><span style="font-size: x-small;">1. Riba Fadhl</span></span><br style="color: #073763;" />
<span style="color: #073763;"><span style="font-size: x-small;">2. Riba Nasi-ah</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Riba Fadhl</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">adl : penambahan dalam transaksi barang ribawi.</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Barang ribawi ada 6 macam:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Symbol";"><span style="font-size: x-small;">-</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Emas</span><span style="mso-spacerun: yes;"><span style="font-size: x-small;"> </span></span><span style="font-size: x-small;">---> mencakup semua mata uang</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Symbol";"><span style="font-size: x-small;">-</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Perak</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Symbol";"><span style="font-size: x-small;">-</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Bur (gandum halus)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Symbol";"><span style="font-size: x-small;">-</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Sya'ir (gandum kasar)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Symbol";"><span style="font-size: x-small;">-</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Kurma kering</span><span style="mso-spacerun: yes;"><span style="font-size: x-small;"> </span></span><span style="font-size: x-small;">---> mencakup semua bentuk bahan makanan pokok</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Symbol";"><span style="font-size: x-small;">-</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Garam</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Nabi shallallahu 'alaihi wa sallam bersabda:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic";"><span style="font-size: x-small;">الذهب
بالذهب، والفضة بالفضة، والبر بالبر، والشعير بالشعير، والتمر بالتمر،
والملح بالملح، مثلاً بمثل، يداً بيد، فمن زاد أو استزاد فقد أربى، الآخذ
والمعطي فيه سواء</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Emas
dg emas, perak dg perak, bur dg bur, sya'ir dg sya'ir, kurma dg kurma,
dan garam dg garam, harus semisal (sama) dan tunai. Siapa yg menambahi
atau minta tambah maka dia telah melakukan riba. Yg memberi maupun yg
menerima, keduanya sama (Muslim)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Bur </span><span style="mso-tab-count: 3;"><span style="font-size: x-small;"> </span></span><span style="font-size: x-small;">: gandum halus</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Sya'ir</span><span style="mso-tab-count: 2;"><span style="font-size: x-small;"> </span></span><span style="font-size: x-small;">: gandum kasar</span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Dalam riwayat yang lain:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic";"><span style="font-size: x-small;">....</span><span style="font-size: x-small;">فإذا اختلفت هذه الأصناف فبيعوا كيف شئتم، إذا كان يداً بيد</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">...</span></span><span style="color: #073763; font-family: "Traditional Arabic";"><span style="font-size: x-small;">ـ</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">jika barangnya berbeda maka silahkan dijual sesuai keinginan kalian, asalkan tunai...(</span><span style="font-size: x-small;">Muslim & Turmudzi</span><span style="font-size: x-small;">).</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Pembagian barang ribawi:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Dilihat dari jenisnya, barang ribawi ada 2:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Jenis 1 : alat tukar (</span><span style="font-size: x-small;">emas, perak, uang, valas, dst</span><span style="font-size: x-small;">)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Jenis 2 : bahan makanan pokok (</span><span style="font-size: x-small;">kurma, gandum, beras, jagung, dst</span><span style="font-size: x-small;">).</span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Batasan jual beli barang ribawi</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Sama macamnya (emas dg emas) </span><span style="font-size: x-small;">---></span><span style="font-size: x-small;"> wajib: sama berat dan tunai, meskipun kualitasnya beda. </span><span style="font-size: x-small;">Contoh lain</span><span style="font-size: x-small;">: perak dg perak, rupiah dg rupiah, beras dg beras, dst.</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Sama jenis, beda macam (emas dg perak) </span><span style="font-size: x-small;">---></span><span style="font-size: x-small;"> boleh beda berat dan harus tunai. </span><span style="font-size: x-small;">Contoh lain</span><span style="font-size: x-small;">: rupiah dg dolar, rupiah dg real, beras dg gandum, dst.</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Beda jenis dan macamnya (uang dg beras) </span><span style="font-size: x-small;">---></span><span style="font-size: x-small;"> boleh beda dan boleh tdk tunai. </span><span style="font-size: x-small;">Contoh lain</span><span style="font-size: x-small;">: rupiah dg beras, uang dg kurma, dst.</span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Riba Nasi'ah</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Riba
ini dikenal dengan riba jahiliyah. Seseorang menghutangi org lain dg
bunga tertentu. Jk pada masa jatuh tempo tdk bs melunasi maka bunga akan
terus bertambah. </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Pemakan riba = lintah darat</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Saya
melihat sebuah sungai darah ada orang di dalamnya (A) dan di pinggir
sungai ada orang yang membawa batu (B). Setiap kali orang yang berada di
dalam sungai hendak keluar, (B) melempari batu ke mulut (A), akhirnya
dia kembali ke tempat semula.” Malaikat: “Yang engkau lihat di sungai
adl pemakan riba” (Bukhari)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Kaidah riba nasi-ah</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Fudhalah bin Ubaid mengatakan:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic";"><span style="font-size: x-small;">كُلُّ قَرْضٍ جَرَّ مَنْـفَـعَةً فَهُوَ رِبَا</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Setiap piutang yang memberikan keuntungan maka (keuntungan) itu adalah riba. </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Abdullah bin Sallam mengatakan:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“</span><span style="font-size: x-small;">Apabila</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">kamu</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">menghutangi</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">orang</span><span style="font-size: x-small;"> lain, </span><span style="font-size: x-small;">kemudian</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">orang</span><span style="font-size: x-small;"> yang </span><span style="font-size: x-small;">dihutangi</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">memberikan</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">fasilitas</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">membawakan</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">jerami</span><span style="font-size: x-small;">, </span><span style="font-size: x-small;">atau</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">gandum</span><span style="font-size: x-small;">, </span><span style="font-size: x-small;">atau</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">pakan</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">ternak</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">maka</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">janganlah</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">dia</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">menerimanya</span><span style="font-size: x-small;">, </span><span style="font-size: x-small;">karena</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">itu</span><span style="font-size: x-small;"> </span><span style="font-size: x-small;">riba</span><span style="font-size: x-small;">”. (HR. </span><span style="font-size: x-small;">Bukhari</span><span style="font-size: x-small;">)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Anas bin Malik radliallahu 'anhu:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Traditional Arabic"; font-weight: 700;"><span style="font-size: x-small;">إذا أقرض أحدكم قرضا فأهدى له أو حمله على الدابة فلا يركبها ولا يقبله</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">“Apabila
kalian menghutangkan sesuatu kepada orang lain, kemudian (orang yang
berhutang) memberi hadiah kepada yang menghutangi atau memberi layanan
naik kendaraannya (dengan gratis) maka janganlah menaikinya dan jangan
menerimanya”. (Ibn Majah)</span></span><br style="color: #073763;" />
<span style="color: #073763; font-size: x-small;"><br />
</span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Transaksi ada dua:</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Transaksi mu'awwadhat </span><span style="font-size: x-small;">(komersial). </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Misalnya:
jual beli, sewa-menyewa, permodalan, dan yang lainnya. Untuk transaksi
model pertama ini, kita diperkenankan mengambil keuntungan sesuai dengan
kesepakatan.</span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Wingdings";"><span style="font-size: x-small;">l</span></span><span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Transaksi tabarru'at</span><span style="font-size: x-small;"> (sosial). </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;">Misalnya: hutang-piutang, atau pinjam-meminjam.</span><span style="mso-spacerun: yes;"><span style="font-size: x-small;"> </span></span><span style="font-size: x-small;">Dalam transaksi murni sosial, para ulama sepakat terlarang mengambil keuntungan dari salah satu pihak. </span></span><br style="color: #073763;" />
<span style="color: #073763; font-family: "Arial";"><span style="font-size: x-small;"><br />
</span><span style="font-size: x-small;"> </span></span><br style="color: #073763;" />
<span style="color: white; font-family: "Arial";"><span style="font-size: x-small;"><span style="color: #073763;">Semoga Allah <span style="color: blue;">me</span></span><span style="color: blue;">mbebaskan kita dari jeratan riba</span></span></span><br />
<span style="font-size: x-small;"> </span><br />
<span style="font-size: x-small;">By; Ustad Ammy Baits</span><br />
<span style="font-size: x-small;"><br />
</span><br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-60102457827989585842012-05-09T17:47:00.002-07:002012-05-09T17:59:33.381-07:00FATWA PEMBIAYAAN PENGURUSAN HAJI LKS<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJhLJd8J3nTyPEMNoi9fypw9IhWHSLHTNvyF6T2569uu77BLNjtHsMav7zlJ17_QtWBDjVFsjCfpdKKD2QCUtV5OFegkI-zC_W8sPx3j7cO5FAOrSLPhIsmh8K4utmFPwKUBpd9hvew54/s1600/CREASI+LOGO+ASSALAM+web.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="319" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJhLJd8J3nTyPEMNoi9fypw9IhWHSLHTNvyF6T2569uu77BLNjtHsMav7zlJ17_QtWBDjVFsjCfpdKKD2QCUtV5OFegkI-zC_W8sPx3j7cO5FAOrSLPhIsmh8K4utmFPwKUBpd9hvew54/s320/CREASI+LOGO+ASSALAM+web.png" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Berbagi Bersama Solusi Syari'ah Bermitra Bersama KSU Syari'ah Assalam</td></tr>
</tbody></table>
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<li><span style="font-size: x-small;">Dalam pengurusan haji bagi nasabah, LKS dapat memperoleh</span><br />
<span style="font-size: x-small;">imbalan jasa (ujrah) dengan menggunakan prinsip al-Ijarah</span><br />
<span style="font-size: x-small;">sesuai Fatwa DSN-MUI nomor 9/DSN-MUI/IV/2000.</span><br />
<span style="font-size: x-small;">29 Pembiayaan Pengurusan Haji LKS 4</span><br />
<span style="font-size: x-small;">Dewan Syariah Nasional MUI </span></li>
<li><span style="font-size: x-small;">Apabila diperlukan, LKS dapat membantu menalangi</span><br />
<span style="font-size: x-small;">pembayaran BPIH nasabah dengan menggunakan prinsip al-</span><br />
<span style="font-size: x-small;">Qardh sesuai Fatwa DSN-MUI nomor 19/DSN-MUI/IV/2001.</span></li>
<li><span style="font-size: x-small;">Jasa pengurusan haji yang dilakukan LKS tidak boleh</span><br />
<span style="font-size: x-small;">dipersyaratkan dengan pemberian talangan haji.</span></li>
<li><span style="font-size: x-small;">Besar imbalan jasa al-Ijarah tidak boleh didasarkan pada jumlah</span><br />
<span style="font-size: x-small;">talangan al-Qardh yang diberikan LKS kepada nasabah. </span><span style="font-size: x-small;"> </span></li>
</ol>
<div style="text-align: left;">
<span style="font-size: x-small;">Sumber>(FATWA DEWAN SYARI’AH NASIONAL Nomor: 29/DSN-MUI/VI/2002 Tentang PEMBIAYAAN PENGURUSAN HAJI)</span></div>
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<b>Draf Klaushul Arisan Haji Masjid Assalam</b></div>
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<b> Dikelola KSU Syari’ah Assalam</b></div>
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<br /></div>
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Menimbang & memperhatikan:</div>
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1. Larangan melakukan transaksi riba dalam segala sesuatu</div>
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2. Menghindari tawaran dana talangan haji bank syariah</div>
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3. Keinginan masyarakat untuk berangkat haji</div>
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4. Membantu sebagian kaum muslimin yang belum mampu melaksanakan ibadah haji</div>
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<br /></div>
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Pasal 1: Tinjauan hukum Arisan haji</div>
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<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Arisan ini akad musyarakat (kerja sama), di mana anggota memberikan iuran sesuai kesepakatan bersama</li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak ada unsur riba maupun penipuan dalam musyarakat ini, berikut konsekuensinya. </li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak ada unsur penipuan dan mukhatarah fahisyah (taruhan dan untung-untungan) dalam arisan ini.</li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak ada unsur gharar (ketiak jelasan) dalam arisan ini.</li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak
ada unsur (ikrah) pemaksaan maupun idhtirar (keterpaksaan) dalam
arisan ini. Semuanya dilakukan dengan prinsip ridha. </li>
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<br /></div>
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Pasal 2: Penanggung Jawab & pelaksana:</div>
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<li class="MsoNormal" style="mso-list: l9 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;">Arisan ini menjadi tanggung jawab takmir masjid Assalam, sebagai tugasnya dalam melayani masyarakat</li>
<li class="MsoNormal" style="mso-list: l9 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;">Arisan ini dilaksanakan oleh koperasi Serba Usaha Syari’ah Assalam, sebagai program kerjanya. </li>
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<br /></div>
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Pasal 3: Peserta:</div>
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<li class="MsoNormal" style="mso-list: l2 level1 lfo3; tab-stops: list 36.0pt; text-align: justify;">Peserta arisan adalah semua kaum muslimin yang memiliki i’tikad baik untuk melakukan ibadah haji, tanpa riba.</li>
<li class="MsoNormal" style="mso-list: l2 level1 lfo3; tab-stops: list 36.0pt; text-align: justify;">Arisan ini menerima peserta dari jamaah masjid yang lain, dengan aturan yang disepakati</li>
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<br /></div>
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Pasal 4: Syarat pendaftaran:</div>
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<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Peserta yang mendaftar, wajib mengisi formulir pendaftaran yang disediakan </li>
<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Peserta wajib menandatangani form perjanjian yang disediakan, dengan tanda tangan persetujuan dari:</li>
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a.<span style="font: 7pt "Times New Roman";"> </span>Ahli waris (wali)</div>
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b.<span style="font: 7pt "Times New Roman";"> </span>Aparat desa</div>
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c.<span style="font: 7pt "Times New Roman";"> </span>Pemuka masyarakat setempat</div>
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<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Form yang telah ditanda-tangani peserta dibubuhi materai Rp 3000</li>
<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Peserta wajib mentaati semua form perjanjian yang telah ditanda-tangani.</li>
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Pasal 5: Kesepakatan Iuran:</div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Untuk satu kelompok, peserta dibatasi 50 orang. </li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Masing-masing peserta membayar iuran arisan perbulan Rp 500.000 + biaya administrasi.</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Pungutan biaya administrasi Rp 3000/bln</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Tidak ada perubahan nilai iuran, meskipun ada keputusan perubahan ONH. </li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Iuran arisan peserta ditarik setiap sabtu awal bulan</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Total
iuran perbulan: Rp 25 juta, selanjutnya diserahkan kepada salah
satu peserta yang diprioritaskan untuk menerimanya. </li>
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Pasal 6: Fenomena:</div>
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<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika
peserta membatalkan diri di tengah perjalanan arisan, karena sebab
tertentu maka iuran yang telah diserahkan dikembalikan seluruhnya,
kecuali biaya administrasi. </li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Peserta
dibolehkan pindah nama kepemilikan arisan, dengan syarat telah ada
kesepakatan dan mengisi form penjanjian yang baru.</li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika peserta meninggal sebelum berangkat haji, maka ada dua pilihan:</li>
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<li class="MsoNormal" style="mso-list: l7 level2 lfo6; tab-stops: list 72.0pt; text-align: justify;">Total iuran yang telah dibayarkan, diserahkan sepenuhnya kepada ahli waris</li>
<li class="MsoNormal" style="mso-list: l7 level2 lfo6; tab-stops: list 72.0pt; text-align: justify;">Dipindah tangankan ke ahli waris yang lain, dengan mengisi form perjanjian yang baru. </li>
</ol>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika
peserta meninggal sebelum berangkat haji dan pelunasan arisan
belum selesai, maka tanggung jawab pelunasan diserahkan kepada ahli
waris yang menanda-tangani form perjanjian. </li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika
ada peserta yang lari dari tanggung jawab, setelah berangkat haji
maka maka tanggung jawab pelunasan diserahkan kepada ahli waris
yang menanda-tangani form perjanjian.</li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika ahli waris <b>tidak</b> bersedia melunasi, maka panitia berhak untuk memeja-hijaukan kasus ini di pengadilan. </li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;"><b>Catatan: </b>Arisan haji ini TIDAK diasuransikan. Karena asuransi hukumnya haram. </li>
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Pasal 7: Prioritas peserta:</div>
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<li class="MsoNormal" style="mso-list: l5 level1 lfo7; tab-stops: list 36.0pt; text-align: justify;">Pemilihan prioritas peserta didasari prinsip saling membantu dan suka rela.</li>
<li class="MsoNormal" style="mso-list: l5 level1 lfo7; tab-stops: list 36.0pt; text-align: justify;">Hierarki prioritas sebagai berikut:</li>
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<li class="MsoNormal" style="mso-list: l5 level2 lfo7; tab-stops: list 72.0pt; text-align: justify;">Belum berangkat haji</li>
<li class="MsoNormal" style="mso-list: l5 level2 lfo7; tab-stops: list 72.0pt; text-align: justify;">Usia</li>
<li class="MsoNormal" style="mso-list: l5 level2 lfo7; tab-stops: list 72.0pt; text-align: justify;">Hubungan mahram</li>
</ol>
<li class="MsoNormal" style="mso-list: l5 level1 lfo7; tab-stops: list 36.0pt; text-align: justify;">Jika ada beberapa yang status hierarkinya sama maka pemilihan dilakukan secara undian.</li>
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<br /></div>
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Pasal 8: Hak Peserta:</div>
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<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Dana Rp 25 juta untuk pendaftaran haji, sisa ONH dilunasi peserta. </li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Pelayanan pembayaran iuran didatangi langsung ke rumah peserta</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Pelayanan pendaftaran porsi haji di DEPAG setempat</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Bimbingan manasik haji dan umrah per-4 bulan sekali </li>
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<br /></div>
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Pasal 9: Yang bukan hak peserta:</div>
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<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Bekal </li>
<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Tasyakuran</li>
<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Transportasi berangkat</li>
<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Buku panduan haji, kumpulan doa-doa, dst. </li>
</ol>
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.</div>
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Pasal 10: Administrasi peserta:</div>
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<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Telah terdaftar menjadi anggota KSU Syari’ah Assalam</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Fotokopi KTP.</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Fotokopi KK.</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Formulir pendaftaran</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Foto 3 x 4 = 1 lembar.</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Biaya administrasi Rp 5000; untuk buku rekap bukti pembayaran.</li>
</ol>
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-3958367571334902852012-05-09T17:45:00.002-07:002012-05-09T18:03:09.328-07:00Prinsip Syari'ah Pengurusan dan Pembiayaan Haji<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td class="tr-caption" style="text-align: center;">Berbagi Bersama Solusi Syari'ah Bermitra Bersama KSU Syari'ah Assalam</td></tr>
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بِ سمِ اللهِ الر حمنِ الرحِيمِ<br />
1. Firman Allah, QS. al-Maidah [5]: 1:<br />
“Hai orang yang beriman! Tunaikanlah akad-akad itu.<br />
Dihalalkan bagimu binatang ternak, kecuali yang akan<br />
dibacakan kepadamu. (Yang demikian itu) dengan tidak<br />
menghalalkan berburu ketika kamu sedang mengerjakan haji.<br />
Sesungguhnya Allah menetapkan hukum-hukum menurut yang<br />
dikehendaki-Nya.”<br />
2. Firman Allah, QS. al-Qashash [28]:26:<br />
Salah seorang dari kedua wanita itu berkata: “Hai ayahku!<br />
Ambillah ia sebagai orang yang bekerja (pada kita), karena<br />
sesungguhnya orang yang paling baik yang kamu ambil untuk<br />
bekerja (pada kita) adalah orang yang kuat lagi dapat<br />
dipercaya.”<br />
3. Firman Allah, QS. al-Baqarah [2]: 282:<br />
Dewan Syariah Nasional MUI<br />
"Hai orang yang beriman! Jika kamu bermu'amalah tidak<br />
secara tunai sampai waktu tertentu, buatlah secara tertulis..."<br />
4. Firman Allah, QS. al-Baqarah [2]: 280:<br />
“Dan jika ia (orang yang berutang itu) dalam kesulitan, berilah<br />
tangguh sampai ia berkelapangan…”<br />
5. Firman Allah tentang perintah untuk saling tolong menolong<br />
dalam perbuatan positif, antara lain QS.al-Maidah [5]: 2:<br />
“Dan tolong-menolonglah kamu dalam (mengerjakan) kebajikan<br />
dan takwa, dan jangan tolong-menolong dalam berbuat dosa<br />
dan pelanggaran. Dan bertakwalah kamu kepada Allah, sesungguhnya<br />
Allah amat berat siksa-Nya”<br />
6. Hadis riwayat ‘Abd ar-Razzaq dari Abu Hurairah dan Abu Sa’id<br />
al-Khudri, Nabi s.a.w. bersabda:<br />
“Barang siapa mempekerjakan pekerja, beritahukanlah<br />
upahnya.”<br />
7. Hadis-hadis Nabi shallallahu alaihi wasallam tentang beberapa<br />
prinsip bermu’amalah, antara lain hadis riwayat Muslim dari<br />
Abu Hurairah:<br />
“Barang siapa melepaskan dari seorang muslim suatu kesulitan<br />
di dunia, Allah akan melepaskan kesulitan darinya pada hari<br />
kiamat; dan Allah senantiasa menolong hamba-Nya selama ia<br />
(suka) menolong saudaranya.”<br />
8. Hadis Nabi s.a.w. riwayat Jama’ah:<br />
“Penundaan (pembayaran) yang dilakukan oleh orang mampu<br />
adalah suatu kezaliman….”<br />
9. Hadis Nabi s.a.w. riwayat al-Nasa’i, Abu Daud, Ibn Majah, dan<br />
Ahmad:<br />
Dewan Syariah Nasional MUI<br />
“Penundaan (pembayaran) yang dilakukan oleh orang mampu<br />
menghalalkan harga dirinya dan memberikan sanksi<br />
kepadanya.”<br />
10. Hadis Nabi s.a.w. riwayat al-Bukhari:<br />
“Orang yang terbaik di antara kamu adalah orang yang paling<br />
baik dalam pembayaran utangnya.”<br />
11. Hadis Nabi riwayat Tirmizi dari ‘Amr bin ‘Auf al-Muzani, Nabi<br />
s.a.w. bersabda:ما<br />
“Perjanjian boleh dilakukan di antara kaum muslimin kecuali<br />
perjanjian yang mengharamkan yang halal atau menghalalkan<br />
yang haram; dan kaum muslimin terikat dengan syarat-syarat<br />
mereka kecuali syarat yang mengharamkan yang halal atau<br />
menghalalkan yang haram.”<br />
12. Kaidah Fiqh:<br />
“Pada dasarnya, semua bentuk muamalah boleh dilakukan<br />
kecuali ada dalil yang mengharamkannya.”<br />
َ“Kesulitan dapat menarik kemudahan.”<br />
“Keperluan dapat menduduki posisi darurat.”</div>
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-53000195367997350382012-04-22T06:47:00.005-07:002012-04-22T06:47:51.540-07:00<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
UNDANGAN DI BUKA UNTUK UMUM<br />
KEPADA MASYARAKAT MINO MARTANI KHUSUSNYA JAMA'AAH MASJID ASSALAM HARI MINGGU 29 APRIL 2012 JAM 06.30 WIB ADA JALAN SEHAT,,,, MULAI DARI MASJID DAN KEMBALI KEMASJID, FASILITAS SNACK, KESEHATAN, DAN BEBERAPA INFORMASI PENTING LAINNYA YANG AKAN DI UMUMKAN PADA SAAT JALAN SEHAT <br />
<br />
<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-83602483947006055252012-04-20T09:31:00.001-07:002012-04-20T09:31:13.496-07:00Klaushul Arisan Haji Masjid Assalam<div dir="ltr" style="text-align: left;" trbidi="on">
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<div align="center" class="MsoNormal" style="text-align: center;">
<b>Draf Klaushul
Arisan Haji Masjid Assalam</b></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="mso-tab-count: 1;"> </span>Dikelola KSU Syari’ah Assalam</b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Menimbang & memperhatikan:</div>
<div class="MsoNormal" style="text-align: justify;">
1. Larangan melakukan transaksi
riba dalam segala sesuatu</div>
<div class="MsoNormal" style="text-align: justify;">
2. Menghindari tawaran dana
talangan haji bank syariah</div>
<div class="MsoNormal" style="text-align: justify;">
3. Keinginan masyarakat untuk
berangkat haji</div>
<div class="MsoNormal" style="text-align: justify;">
4. Membantu sebagian kaum
muslimin yang belum mampu melaksanakan ibadah haji</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 1: Tinjauan hukum Arisan
haji</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Arisan ini akad musyarakat (kerja sama), di mana
anggota memberikan iuran sesuai kesepakatan bersama</li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak ada unsur riba maupun penipuan dalam
musyarakat ini, berikut konsekuensinya. </li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak ada unsur penipuan dan mukhatarah fahisyah
(taruhan dan untung-untungan) dalam arisan ini.</li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak ada unsur gharar (ketiak jelasan) dalam
arisan ini.</li>
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;">Tidak ada unsur (ikrah) pemaksaan maupun idhtirar
(keterpaksaan) dalam arisan ini. Semuanya dilakukan dengan prinsip ridha. </li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 2: Penanggung Jawab &
pelaksana:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l9 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;">Arisan ini menjadi tanggung jawab takmir masjid Assalam,
sebagai tugasnya dalam melayani masyarakat</li>
<li class="MsoNormal" style="mso-list: l9 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;">Arisan ini dilaksanakan oleh koperasi Serba Usaha
Syari’ah Assalam, sebagai program kerjanya. </li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 3: Peserta:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l2 level1 lfo3; tab-stops: list 36.0pt; text-align: justify;">Peserta arisan adalah semua kaum muslimin yang
memiliki i’tikad baik untuk melakukan ibadah haji, tanpa riba.</li>
<li class="MsoNormal" style="mso-list: l2 level1 lfo3; tab-stops: list 36.0pt; text-align: justify;">Arisan ini menerima peserta dari jamaah masjid yang
lain, dengan aturan yang disepakati</li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 4: Syarat pendaftaran:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Peserta yang mendaftar, wajib mengisi formulir
pendaftaran yang disediakan </li>
<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Peserta wajib menandatangani form perjanjian yang
disediakan, dengan tanda tangan persetujuan dari:</li>
</ol>
<div class="MsoNormal" style="margin-left: 49.65pt; mso-list: l8 level2 lfo5; tab-stops: list 49.65pt; text-align: justify; text-indent: -14.2pt;">
<span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span>Ahli waris (wali)</div>
<div class="MsoNormal" style="margin-left: 49.65pt; mso-list: l8 level2 lfo5; tab-stops: list 49.65pt; text-align: justify; text-indent: -14.2pt;">
<span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span>Aparat desa</div>
<div class="MsoNormal" style="margin-left: 49.65pt; mso-list: l8 level2 lfo5; tab-stops: list 49.65pt; text-align: justify; text-indent: -14.2pt;">
<span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span>Pemuka masyarakat setempat</div>
<ol start="3" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Form yang telah ditanda-tangani peserta dibubuhi
materai Rp 3000</li>
<li class="MsoNormal" style="mso-list: l8 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;">Peserta wajib mentaati semua form perjanjian yang
telah ditanda-tangani.</li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 5: Kesepakatan Iuran:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Untuk satu kelompok, peserta dibatasi 50 orang. </li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Masing-masing peserta membayar iuran arisan perbulan
Rp 500.000 + biaya administrasi.</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Pungutan biaya administrasi Rp 3000/bln</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Tidak ada perubahan nilai iuran, meskipun ada
keputusan perubahan ONH. </li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Iuran arisan peserta ditarik setiap sabtu awal
bulan</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list 36.0pt; text-align: justify;">Total iuran perbulan: Rp 25 juta, selanjutnya
diserahkan kepada salah satu peserta yang diprioritaskan untuk
menerimanya. </li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 6: Fenomena:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika peserta membatalkan diri di tengah perjalanan
arisan, karena sebab tertentu maka iuran yang telah diserahkan
dikembalikan seluruhnya, kecuali biaya administrasi. </li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Peserta dibolehkan pindah nama kepemilikan arisan,
dengan syarat telah ada kesepakatan dan mengisi form penjanjian yang baru.</li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika peserta meninggal sebelum berangkat haji, maka
ada dua pilihan:</li>
<ol start="1" style="margin-top: 0cm;" type="a">
<li class="MsoNormal" style="mso-list: l7 level2 lfo6; tab-stops: list 72.0pt; text-align: justify;">Total iuran yang telah dibayarkan, diserahkan
sepenuhnya kepada ahli waris</li>
<li class="MsoNormal" style="mso-list: l7 level2 lfo6; tab-stops: list 72.0pt; text-align: justify;">Dipindah tangankan ke ahli waris yang lain, dengan
mengisi form perjanjian yang baru. </li>
</ol>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika peserta meninggal sebelum berangkat haji dan
pelunasan arisan belum selesai, maka tanggung jawab pelunasan diserahkan
kepada ahli waris yang menanda-tangani form perjanjian. </li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika ada peserta yang lari dari tanggung jawab,
setelah berangkat haji maka maka tanggung jawab pelunasan diserahkan
kepada ahli waris yang menanda-tangani form perjanjian.</li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;">Jika ahli waris <b>tidak</b> bersedia melunasi,
maka panitia berhak untuk memeja-hijaukan kasus ini di pengadilan. </li>
<li class="MsoNormal" style="mso-list: l7 level1 lfo6; tab-stops: list 36.0pt; text-align: justify;"><b>Catatan: </b>Arisan haji ini TIDAK
diasuransikan. Karena asuransi hukumnya haram. </li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 7: Prioritas peserta:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l5 level1 lfo7; tab-stops: list 36.0pt; text-align: justify;">Pemilihan prioritas peserta didasari prinsip saling
membantu dan suka rela.</li>
<li class="MsoNormal" style="mso-list: l5 level1 lfo7; tab-stops: list 36.0pt; text-align: justify;">Hierarki <span style="mso-spacerun: yes;"> </span>prioritas
sebagai berikut:</li>
<ol start="1" style="margin-top: 0cm;" type="a">
<li class="MsoNormal" style="mso-list: l5 level2 lfo7; tab-stops: list 72.0pt; text-align: justify;">Belum berangkat haji</li>
<li class="MsoNormal" style="mso-list: l5 level2 lfo7; tab-stops: list 72.0pt; text-align: justify;">Usia</li>
<li class="MsoNormal" style="mso-list: l5 level2 lfo7; tab-stops: list 72.0pt; text-align: justify;">Hubungan mahram</li>
</ol>
<li class="MsoNormal" style="mso-list: l5 level1 lfo7; tab-stops: list 36.0pt; text-align: justify;">Jika ada beberapa yang status hierarkinya sama maka
pemilihan dilakukan secara undian.</li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 8: Hak Peserta:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Dana Rp 25 juta untuk pendaftaran haji, sisa ONH
dilunasi peserta. </li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Pelayanan pembayaran iuran didatangi langsung ke
rumah peserta</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Pelayanan pendaftaran porsi haji di DEPAG setempat</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo8; tab-stops: list 36.0pt; text-align: justify;">Bimbingan manasik haji dan umrah per-4 bulan sekali
</li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 9: Yang bukan hak peserta:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Bekal </li>
<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Tasyakuran</li>
<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Transportasi berangkat</li>
<li class="MsoNormal" style="mso-list: l6 level1 lfo9; tab-stops: list 36.0pt; text-align: justify;">Buku panduan haji, kumpulan doa-doa, dst. </li>
</ol>
<div class="MsoNormal" style="text-align: justify;">
.</div>
<div class="MsoNormal" style="text-align: justify;">
Pasal 10: Administrasi peserta:</div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Telah menjadi anggota KSU Syari’ah Assalam</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Fotokopi KTP.</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Fotokopi KK.</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Formulir pendaftaran</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Foto 3 x 4 = 1 lembar.</li>
<li class="MsoNormal" style="mso-list: l4 level1 lfo10; tab-stops: list 36.0pt; text-align: justify;">Biaya administrasi Rp 5000; untuk buku rekap bukti
pembayaran.</li>
</ol>
<div class="MsoNormal" style="margin-left: 36.0pt; text-align: justify;">
<br /></div>
<br />
<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-29227593031583874202012-04-19T18:23:00.001-07:002012-04-19T18:23:21.939-07:00Koperasi Mampu Mendukung Perekonomian Bangsa Dalam Membangun Negeri<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif";"><br /></span></b></div>
<div align="right" class="MsoBodyText" style="line-height: 115%; text-align: right; text-indent: 36.0pt;">
<span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;">Oleh: Winner Indi Manega</span></div>
<div style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US">Aku </span></b><span lang="EN-US">senang memperhatikan kegigihan perjuangan
para pengurus dan pengelola koperasi yang dengan gagah berani mengarungi tantangan
keengganan orang melakukan kebersamaan usaha, bahkan tak gentar menuai kritik maupun
fitnah sekalipun. Menurutku, setiap saat kreativitas dalam pengelolaan koperasi
selalu dimunculkan, berbagai cara telah ditempuh dengan kibaran bendera syariahnya,
selalu ada ide dan gagasan baru untuk pengembangan usaha dan cara memotivasi
anggotanya, tapi tidaklah semudah membalikkan tangan. Sebersit pertanyaan sering
menggangguku, seiring seberapa untung dan kapan berhasilnya Koperasi Syariah di
kampungku dapat mensejahterakan anggotanya? Kecemasan akan kecilnya semangat anggota,
keengganan dan minat masyarakat, minimnya peralatan dan perbekalan modal awal yang
tak sebanding dengan betapa sulitnya mengajak serta menyadarkan anggota untuk
menumbuhkan rasa memiliki empat usaha koperasi, yaitu usaha jasa, pembiayaan,
produksi dan perdagangan umum telah berani melawan gulungan modal kapitalis. Kuatnya
kapitalis sebagai pemilik modal dalam menggelar sistem ekonomi konglomerat,
konon tidak membawa kesejahteraan rakyat, tetapi lebih memungkinkan terjadinya
korupsi, kolusi dan nepotisme. </span></div>
<div style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US">Pesatnya perkembangan dan peranan lembaga keuangan mikro berbasis
syariah, mendorong warga kampungku sebagai salah satu komunitas jama’ah di masjid
untuk ikut serta berperan dalam membangun koperasi. Semangat dan kerja keras didasari
kemauan dari seluruh anggota dan pendiri koperasi, telah mampu mengeembangkan
koperasi secara legal formal. Koperasi<span style="mso-spacerun: yes;">
</span>yang tumbuh <span style="mso-spacerun: yes;"> </span>atas dasar
solidaritas <span style="mso-spacerun: yes;"> </span>dan kuatnya kerjasama antar
individu, berpondasi kokoh kukuh dan kuat mengakar ke segenap anggota, diyakini
dapat membawa anggotanya menuju pintu gerbang kesejahteraan. Sebenarnya, kepribadian
bangsa Indonesia yang kokoh berakar ini telah dipunyai, berani berupaya keras
apalagi berprinsip syariah tentu akan ditempuh secara terus menerus. <span style="mso-bidi-font-weight: bold;">Semenjak teraktualisasikannya prinsip syariah
dalam pengelolaan ekonomi, Insya Allah dapat mewujudkan keadilan dan
mensejahterakan bagi semua<i>. Rahmatan lil ‘alamin.</i></span> Pengelolaan
koperasi syariah sudah dapat dipastikan, dilakukan secara loyal, dengan ikhlas,
jujur dan terbuka mencerminkan kepercayaan secara profesional dengan
responsibilitas tinggi yang menjunjung semangat solidaritas demi tumbuhnya
persahabatan yang kokoh. </span></div>
<pre style="line-height: 150%; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Semua resiko dalam konsep syariah sebenarnya harus ditanggung secara bersama. Hal ini dikarenakan di dalamnya ada azas keseimbangan, ada azas keadilan, pada penerapan konsep syariah.<span style="mso-spacerun: yes;"> </span>Tampaknya perbedaannya hanya pada pada azas, tapi sebenarnya masalah azas dan masalah akad, prinsip dalam syariah akadnya harus seimbang dan adil. Kalau dalam konsep kapitalis, semua proses ukurannya pada pemegang modal, karena pemilik modal sebenarnya yang berkuasa.</span></pre>
<pre style="line-height: 150%; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Dalam konsep syariah, keberadaan uang harus didayagunakan untuk hal-hal yang bersifat produktif. Meniliki dari keberhasilan koperasi syariah, kemudian dibagikan dalam bentuk ada margin atau kegiatan. Jadi betul-betul keberadaan koperasi syariah dapat menghasilkan sesuatu yang bersifat produktif, sehingga tidak hanya menjadi perkembangan yang semu. Kalau diterapkan secara luas, koperasi syariah memiliki dampak yang sangat positif terhadap pertumbuhan ekonomi, menguntungkan usaha kecil dan <span style="mso-spacerun: yes;"> </span>menengah.</span><span lang="EN-US"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Meskipun masih banyak kendala dan hambatan, seperti kendala sumber daya manusia, masalah terbatasnya jaringan dan sebagainya. Penghimpunan modal yang bentuknya simpanan, kalau simpanan pokok dan wajib sesungguhnya memang menjadi modal dasar, dengan simpanan sukarela sesungguhnya masih dapat diambil. Penghimpunan modal semacam ini, menyebabkan koperasi syariah dapat tumbuh berkembang dan menjadi besar. Berawal dari Penghimpunan modal awal dan dari dana tersebut koperasi bisa bergerak.</span></pre>
<div style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US">Bagi pengurus koperasi, kapan terjadi
tantangan yang semakin berat? Pengguliran pembiayaan syariah dengan berbagai
akadnya, terkadang terkendala kemacetan dan ketidaksadaran dalam pemenuhan
kewajiban setelah haknya diberikan. Apakah kenaikan harga berekses pada
efisiensi energi penggerak usaha koperasi? Mungkinkah dapat melayani dan
mengejar target pemasaran apabila usaha koperasi hanya menggunakan sarana dan
fasilitas yang kurang memadai? Bukankah, sukralewan yang mendukung pengelolaan
koperasi tak banyak, sehingga perlu mempekerjakan dari luar anggota? Bukankah,
hempasan badai dan tingginya persaingan ekonomi pasar bebas, tak urung sering
menggagalkan niat untuk meneruskan gerak perputaran usaha koperasi? <span style="color: black;">Nantinya, bahan pertanyaan itu akan mengangkat pertanyaan
lanjutan yang berujung pada sebuah titik pengakuan. Sepertinya, ‘ternyata pengurus
dan pengelola koperasi punya kesulitan menjual dan memasarkan usahanya’. <span style="mso-spacerun: yes;"> </span>Kira-kira seperti itulah kalimatnya. Ada sisi
pengakuan yang mempertegas keberadaan kehidupan usaha koperasi yang masih
kecil, seolah termarjinalkan dalam ikatan sosial.</span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-top: 6.0pt; mso-add-space: auto; mso-margin-bottom-alt: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Walaupun banyak kendala dan
hambatan, pengurus dan pengelola koperasi dengan gigih mendedikasikan lembaga
ini bukan semata-mata untuk mencari keuntungan pribadi, akan tetapi semua yang
mendirikan, mengurus dan mengelola koperasi yang semata-mata diantaranya untuk
mengenalkan lembaga keuangan mikro syariah di masyarakat, menjadi alternatif pembiayaan,
mengurangi beban masyarakat yang terjerat rentenir, dan ternyata mereka berlomba-lomba
dalam melakukan kebaikan. </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Kalaupun pengurus <span style="mso-spacerun: yes;"> </span>mendapatkan gaji, itu semata-mata karena mereka
bekerja untuk mendapatkan upah yang halal. Tentunya pengurus sangat hati-hati
dalam mengelola dana, infaq dan kepercayaan dari anggota, karena bagaimanapun mereka
diawasi oleh Allah <em>subhanahu wa ta’ala </em>Zat yang Maha Mengetahui.</span></div>
<div style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US">Perkembangan usaha koperasi syariah dan yang tidak syariah di
Indonesia semakin marak dengan segala pasang surutnya, kompleknya masalah yang
dihadapi dan ditanggulangi. Peran koperasi, kini kian melangkah maju di
berbagai bidang usaha, bahkan semakin memperkuat kedudukan dalam pembangunan. Landasan
berpijak yang dipergunakan tentu saja pada <span style="mso-bidi-font-weight: bold;">nilai <i>social capital </i>sebagai spirit koperasi yang peduli terhadap
lingkungan secara umum, selaras dan serasi dengan nilai ekonomi kerakyatan.</span></span></div>
<div style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US">Kita harus optimis suatu saat koperasi akan dapat menjadi salah satu
tulang punggung perekonomian di Indonesia, apalagi mayoritas penduduk negara
ini adalah sektor informal. Dukungan untuk pengembangan koperasi masih sangat
diperlukan, dengan membuat regulasi yang akan lebih memperkuat keberadaan
koperasi di Indonesia. Menilik betapa marak pertumbuhan dan perkembangan
koperasi yang ada di Indonesia dipastikan mampu mendukung perekonomian bangsa,
khususnya perekonomian rakyat.</span></div>
<div class="MsoNormalCxSpFirst" style="line-height: 150%; margin-top: 6.0pt; mso-add-space: auto; mso-margin-bottom-alt: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Berbagai<b style="mso-bidi-font-weight: normal;"> </b>program peningkatan kesejahteraan<span style="mso-spacerun: yes;"> </span>telah menjadi perhatian utama pemerintah
untuk mensejahterakan rakyat dan membantu peningkatan usaha melalui koperasi
syariah maupun koperasi bukan syariah. Tetapi mengapa koperasi belum juga
memasyarakat? <span style="mso-spacerun: yes;"> </span>Kondisi program kegiatan koperasi
masih banyak yang tak saling mendukung dengan sektor atau program kegiatan lainnya,
tidak sinkron dan kurang terpadu!<span style="mso-spacerun: yes;"> </span>Masyarakat
<span style="mso-spacerun: yes;"> </span>yang berkoperasi hingga saat ini seolah,
masih berusaha sendirian dan terpinggirkan dari keramaian pasar bebas, terutama
pemodal kuat dan minimnya jaringan pemasaran.</span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-top: 6.0pt; mso-add-space: auto; mso-margin-bottom-alt: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Minimnya
dukungan program kegiatan dan sektor lain, serta minimnya jaringan pemasaran
yang jauh dari kelancaran usaha berkoperasi, menyebabkan arus materi dan energi
dikuasai oleh para tengkulak dengan pangsa pasar yang bermodal kuat. Terjadilah
eksploitasi hasil produksi dari koperasi yang berawal dari usaha kecil yang
lemah oleh jaringan pemilik modal yang kuat.</span><span lang="EN-US"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengacu
pernyataan Soemarwoto (2004) “Sebuah dalil ekologi menyatakan ekosistem yang
kuat menguasai arus informasi sehingga arus materi dan energi-pun dikuasai oleh
ekosistem yang kuat”. Dengan demikian, usaha koperasi mempunyai dua fungsi.
Pertama, fungsi membangun koperasi dan kedua, fungsi pemasaran. Fungsi kedua sebagai
energi untuk strategi pemasaran sering kali tidak kita sadari dan tidak
disiasati dalam usaha berkoperasi. Akibatnya, kesenjangan antara usaha
kapitalis dan usaha bersama koperasi semakin lebar. Terjadinya eksploitasi<span style="mso-spacerun: yes;"> </span>hasil usaha kecil koperasi oleh kekuatan
pemilik modal, sehingga menjadikan ‘panji-panji’ koperasi <span style="mso-spacerun: yes;"> </span>sepertinya enggan untuk berkembang lagi.
Artinya, usaha bersama yang dirintis melalui koperasi yang semula untuk mencari
keuntungan, karena tak sesuai antara perolehan penghasilan dan jerih payah yang
diupayakan, semangatnya semakin melemah. Sesungguhnya, dalam kehidupan
berkoperasi antara kaya dan miskin tak dapat berdiri sendiri-sendiri, melainkan
selalu ada saling ketergantungan. Orang miskin tergantung pada orang kaya untuk
modal, teknologi, pemasaran hasil usaha, produksi dan lain-lain. Orang kaya
tergantung pada orang miskin untuk bahan pangan, tenaga kerja dan lain-lain. Padahal,
potensi berkoperasi dapat dikembangkan di masa kini dan mendatang, dimana
muaranya jelas untuk kesejahteraan para anggota beserta masyarakatnya.</span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-top: 6.0pt; mso-add-space: auto; mso-margin-bottom-alt: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Untuk
mengatasi masalah ini kita harus menyadari adanya fungsi kesejahteraan hubungan
yang kaya dan yang miskin, serta-merta mengambil langkah untuk meminimalkan
fungsi ini. Demokratisasi pengambilan keputusan kebijakan harus dikembangkan
dengan memberi<span style="mso-spacerun: yes;"> </span>kesempatan kepada kehidupan
berkoperasi untuk ikut<span style="mso-spacerun: yes;"> </span>mengambil
keputusan dengan kearifan lokal. Dengan tindakan preventif ini, bagi usaha koperasi
yang masih termarginalkan akan terangkat kehidupannya. Terjadinya kesetaraan yang
kaya dan yang miskin di dekatnya, sesungguhnya masih dapat dibangun semangat
berkoperasi. <span style="mso-spacerun: yes;"> </span>Adanya kemitraan bagi kaya
dan miskin secara adil dan merata dalam kehidupan berkoperasi, tentu dapat
menumbuhkan sinergi antara keduanya.</span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-top: 6.0pt; mso-add-space: auto; mso-margin-bottom-alt: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dilema
kehidupan berkoperasi yang umumnya dihadapi pengurus dan pengelola, dimanapun masih
terus diperjuangkan dengan segenap energi terobosan. Untuk membangun koperasi yang
dapat mensejahterakan anggotanya perlu dibangun hubungan antara kesadaran dan rasa
memiliki bersama-sama usaha koperasi. Hubungan itu bersifat fisik maupun
non-fisik. Tetapi kita tidak menyadari bahwa hubungan itu mempunyai dua fungsi.
Pertama, fungsi pembangunan koperasi. Kedua, ialah fungsi kesejahteraan. Ini
tidak kita ketahui dan tidak kita sadari. Akibatnya fungsi ini kita abaikan.
Akibat selanjutnya ialah fungsi ini tidak terkendalikan. Walaupun ada koperasi
yang mengalami kemajuan, tetapi karena laju pertumbuhannya lebih kecil dari
laju pertumbuhan keanggotaan, untuk menjaga kesenjangan antara yang kaya dan miskin,
tidak perlu koperasi semacam ini melemah atau gulung tikar.</span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Koperasi
Sumber Kehidupan.</span></b></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Apabila
setetes air saja dapat menjadi sumber kehidupan, tentunya koperasi yang
mempunyai modal bersama merupakan sumber kehidupan yang tidak hanya untuk satu atau
beberapa anggota saja? Kenapa kita tidak berani mengandalkan kehidupan dari
hasil keberadaan usaha koperasi? Apakah karena tidak terbiasa, atau karena
takut akan bahaya bila berada di tengah percaturan ekonomi konglomerat yang
semakin merajalela ? Padahal, hasil usaha dengan segala perjuangan pengurus dan
pengelola koperasi merupakan persediaan yang tak habis-habisnya bila diusahakan
dan dimanfaatkan secara benar. Mengapa usaha kecil yang mengandalkan kehidupan
di pasar tradisional tak seberuntung pengusaha modern di supermarket? <span style="mso-spacerun: yes;"> </span>Simak saja, apakah jejaring penghasil usaha
ekonomi, penjaja dan tengkulak serta penikmat telah terikat mata rantainya
secara kokoh, kukuh, dan kuat berhubungan sehingga terjadi kesalingtergatungan
yang sinergis? Alangkah tidak saling menguntungkannya, apabila tak terjadi
hubungan timbal-balik yang saling ketergantungan. </span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Bagaimana
cara memaksimalkan penggunaan sumber daya manusia dan modal usaha supaya dapat
membuka peluang usaha dan peluang kerja di lembaga koperasi? Upaya pengkaderan,
mengajak anak dan remaja sebagai generasi penerus untuk mencintai usaha bersama
di koperasi, perlu didukung kebijakan terpadu koperasi dengan program, kegiatan
dan sektor lain. Untuk itu, berbagai program kegiatan dan kebijakan hasil koperasi
perlu ditunjang dengan sistem pengelolaan koperasi secara terpadu. Perlu ada
kerja sama antar sektor yang saling berkaitan dalam pengelolaan koperasi.</span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Agar
usaha koperasi dapat tumbuh subur berkelanjutan, maka modal alam, sejarah dan
budaya yang menjadi modal dasar berkoperasi haruslah dipelihara dan dijaga,
sehingga pembangunan koperasi yang berkelanjutan harus diselenggarakan dengan
prinsip pencagaran sebagai landasan utama. Dengan lain perkataan pembangunan koperasi
harus dilakukan dengan ramah lingkungan hidup.</span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengacu
masa kejayaan kehidupan berkoperasi pendahulu kita, mungkinkah kita sebagai
generasi penerus mampu dan mau menaruh minat pada kehidupan berkoperasi?
Mungkinkah kelak dapat kita kembangkan usaha koperasi dengan tetap
mempertimbangkan keseimbangan serta kelestariannya? Hal ini cukup beralasan
apabila kita pelajari serta diminati, karena ternyata Indonesia memang sebagai
negara kesatuan yang memiliki wilayah yang luas dan kekayaan alam yang melimpah,
tentu dapat dibudidayakan melalui usaha koperasi. Tak ayal lagi, sebenarnya beberapa
lapisan masyarakat secara sadar maupun tidak sadar telah menggantungkan
kehidupan mereka pada hasil usaha koperasi. </span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pengembangan
budidaya sumberdaya alam, jika dikembangkan secara maksimal dapat memicu
masyarakat secara kooperatif untuk hidup lebih sehat sejahtera. Keberadaan pengolahan
<span style="mso-spacerun: yes;"> </span>koperasi secara lebih luas sudah sangat
diperlukan para usaha kecil dan menengah, agar segera dapat memiliki nilai
tambah yang tinggi bagi komunitas masyarakat secara koperasi. Upaya terobosan,
inovasi teknologi dan lancarnya arus informasi bagi koperasi, tak lain dan tak
bukan muaranya untuk membangun ekonomi kerakyatan yang lebih optimal. </span></div>
<div class="MsoNormalCxSpLast" style="line-height: 150%; margin-bottom: 6.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Kekayaan
potensi usaha kecil rumah tangga baru dikemas dalam format terbatas, belum
untuk jualan. Hasil usaha produksi yang ada belum terjual optimal, potensi usaha
dan produksi kerakyatan yang ada dijual dalam format dan kemasan apa adanya.
Penjualan dari hasil jerih payah industri rumah tangga yang gigih pada umumnya tidak
dilakukan secara terstruktur, tetapi secara terlepas-lepas. Bagaimana
menjualnya, dapat distrukturkan dalam satu manajemen dengan kerangka yang
merupakan satuan komunitas manajemen berkoperasi. Lain halnya, apabila prinsip
layanan dilakukan dengan dasar menghasilkan kembalinya biaya produksi untuk
layanan usaha koperasi yang lebih baik. <span style="mso-bidi-font-weight: bold;">Seleksi
alami akan dilalui oleh usaha kecil dan menengah. </span></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Usaha</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"> yang tidak sesuai dalam kerjasama </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold;">berkoperasi </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">itu akan
terpinggirkan.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold;"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">K</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">elangsungan hidup </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold;">u</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">saha </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">bukan lagi
kelangsungan hidup yang terkuat, melainkan kelangsungan hidup yang paling
sesuai.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Jadi yang dapat menjaga
kelangsungan hidupnya</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>bukanlah yang mempunyai daya saing tertinggi
dan dapat menyingkirkan lawannya, melainkan yang dapat menjalin </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">‘</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">kerjasama yang serasi</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">’</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"> dengan
komponen</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">lain</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"> di lingkungan mitra dan </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold;">anggota koperasi.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoBodyText" style="line-height: 150%; margin-bottom: 6.0pt; text-indent: 36.0pt;">
<span lang="EN-US" style="color: black; font-family: "Times New Roman","serif";">Semoga
kelak, gerakan koperasi mendatang menjadi akar perekonomian rakyat dan dapat
berjalan lebih baik lagi, walaupun diliputi berbagai kendala dan halangan. Koperasi
sebagai organisasi ekonomi berbasis <span style="mso-bidi-font-weight: bold;">orang</span>
atau <span style="mso-bidi-font-weight: bold;">keanggotaan</span>, akan menjadi </span><span style="color: black; font-family: "Times New Roman","serif"; mso-ansi-language: IN;">gerakan ekonomi rakyat serta ikut membangun tatanan perekonomian nasional.</span><span style="color: black; mso-ansi-language: IN;"> </span><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif";">Bermodal ‘semangat
berkoperasi’ yang menjulang tinggi di setiap lini perekonomian rakyat dan usaha
kecil serta menengah dapat menjadi panji kemenangan bagi kesejahteraan rakyat
dalam mengatasi krisis ekonomi, koperasi akan selalu kukuh kuat bila saling terberdayakan
dalam ‘</span><span style="font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-bidi-font-weight: bold;">kerjasama yang serasi</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-bidi-font-weight: bold;">’</span><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif";">. Etos
kerja pengurus dan pengelola koperasi kelak akan mampu dan berhasil, karena
mereka menjalani kehidupan berkoperasi di sini bukan untuk sekedar penyambung
hidup, tapi lebih untuk meneruskan generasi yang lebih bermutu dan berkualitas.
</span><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;"></span></div>
<div class="MsoBodyTextIndent" style="line-height: 150%; margin-left: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tulisan
ini tidak bermaksud memberikan solusi akhir. <span style="mso-spacerun: yes;"> </span>Masalahnya, keyakinan pengurus dan pengelola koperasi
yang masih bergulat dengan membangun koperasi membangun negeri harus
terus-menerus didiskusikan, ada perbaikan nasib dan kesejahteraan serta
berkelanjutan. Ternyata ada dua fungsi dalam mensejahterakan masyarakat, yakni <span style="color: black;">semangat berkoperasi</span></span><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">dan
<span style="color: black;">semangat untuk </span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">kerjasama
yang serasi</span><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">.</span><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif";"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pengalaman
menunjukkan fungsi kedua, yaitu fungsi </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">kerjasama
yang serasi </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">tidak dapat diabaikan. Kita harus
menyadari fungsi kedua ini, mendiskusikannya dan berusaha untuk berkomitmen
bersama bahwa koperasi yang kuat dapat mensejahterakan rakyat.</span></div>
<div align="right" class="MsoNormalCxSpFirst" style="line-height: 150%; text-align: right;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Yogyakarta, 27 September<span style="mso-spacerun: yes;"> </span>2011</span></div>
<div align="right" class="MsoNormalCxSpMiddle" style="line-height: 150%; text-align: right;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span>Penulis,</span></div>
<div align="right" class="MsoNormalCxSpMiddle" style="line-height: 150%; text-align: right;">
<br /></div>
<div align="right" class="MsoNormalCxSpMiddle" style="line-height: 150%; text-align: right;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Winner Indi
Manega</span></b></div>
<div align="right" class="MsoNormalCxSpLast" style="text-align: right;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Klas
XII SBI 1, SMA MUHAMMADIYAH 1 Yogyakarta</span></div>
<div class="MsoBodyTextIndentCxSpFirst" style="line-height: 150%; margin-left: 324.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Nomor
Induk 17820</span></div>
<div class="MsoBodyTextIndentCxSpMiddle" style="line-height: 150%; margin-left: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Bahan Bacaan:</span></div>
<div class="MsoBodyTextIndentCxSpLast" style="line-height: 150%; margin-left: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Soemarwoto Otto. 2004. “Problematik Pelik Pembangunan
Kesetaraan Desa – Kota” Yayasan Agenda 21. Bandung.</span></div>
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<br />
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Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-18540004720795888982012-04-11T17:58:00.001-07:002012-04-11T18:20:37.361-07:00Mengapa Perlu Talangan Haji ?<div dir="ltr" style="text-align: left;" trbidi="on">
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<div style="direction: ltr; language: id; margin-bottom: 0pt; margin-top: 0pt; text-align: justify; text-justify: inter-ideograph; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: #002060; font-family: Calibri; font-size: large; font-weight: bold;">•</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">Segera</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">merealisasikan</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">niat</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">
</span></div>
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<span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">Daftar</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">sekarang</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">berangkat</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> 2022</span></div>
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<span style="color: #002060; font-family: Calibri; font-size: large; font-weight: bold;">•</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">Dana </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">belum</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">tersedia</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">, waiting list </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">jalan</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">terus</span><span style="color: #002060; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">
</span></div>
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<span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Apa</span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Akibat</span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Bila</span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Tidak</span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Mengambil</span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span></div>
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<span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Dana </span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Talangan</span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Haji</span><span style="color: #336600; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">
?</span></div>
<br />
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<span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">BPIH</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">naik</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">terus</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span>
</div>
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<span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">Naik</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">Haji</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">setelah</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">tua</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">
</span></div>
<span style="font-size: large;"></span><br />
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<span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">Gagal</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">naik</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">haji</span><span style="color: #c00000; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">
</span></div>
<br />
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<span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Berapa</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Besar</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> Dana </span></div>
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<span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Talangan</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Haji</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">diberikan</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> ?</span></div>
<span style="color: black; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">Sampai</span><span style="color: black; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Bradley Hand ITC"; font-size: large; font-weight: bold;">dengan</span><span style="color: red; font-family: Arial; font-size: large; font-weight: bold;"> :100% </span><span style="color: red; font-family: Arial; font-size: large; font-weight: bold;">atau</span><span style="color: red; font-family: Arial; font-size: large; font-weight: bold;"> 25 </span><span style="color: red; font-family: Arial; font-size: large; font-weight: bold;">juta</span><span style="color: red; font-family: Arial; font-size: large; font-weight: bold;">
</span><br />
<br />
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<span style="color: black; font-family: Arial; font-size: large; font-variant: normal; font-weight: bold; text-transform: uppercase;">JANGKA WAKTU </span></div>
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<span style="color: black; font-family: Arial; font-size: small; font-variant: normal; font-weight: bold; text-transform: uppercase;">PEMBIAYAAN TALANGAN HAJI MELALUI KSU SYARI'AH ASSALAM</span><span style="color: black; font-family: Arial; font-size: small; font-variant: normal; font-weight: bold; text-transform: uppercase;"> </span></div>
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<span style="font-size: large;"><span style="font-family: Wingdings;">1)</span></span><span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">.JW pembiayaan Talangan
Haji KSU Syari'ah Assalam maksimal 5 (lima) tahun.</span><span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">
</span></div>
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<span style="font-size: large;"><span style="font-family: Wingdings;"><br /></span></span><span style="color: black; font-family: Arial; font-size: large; font-weight: bold;">
</span></div>
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<span style="font-size: large;"><span style="font-family: Wingdings;">2).</span></span><span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">Pembiayaan wajib lunas
1 (satu) bulan sebelum keberangkatan Haji.</span><span style="color: black; font-family: Arial; font-size: large; font-weight: bold;">
</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: center; unicode-bidi: embed; vertical-align: baseline;">
<span style="font-size: large;"></span></div>
<span style="font-size: large;">
</span><br />
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<span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Apa</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Keunggulan</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">
</span></div>
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<span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Dana </span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Talangan</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;">Haji</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> KSU SYARI'AH ASSALAM</span><span style="color: black; font-family: "Bernard MT Condensed"; font-size: large; font-weight: bold;"> ?</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: justify; unicode-bidi: embed; vertical-align: baseline;">
<span style="font-size: large;"></span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: justify; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: #0d0d0d; font-family: "Brush Script MT"; font-size: large;">Tanpa</span><span style="color: #0d0d0d; font-family: "Brush Script MT"; font-size: large;"> </span><span style="color: #0d0d0d; font-family: "Brush Script MT"; font-size: large;">jaminan</span><span style="font-size: large;">,
</span></div>
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<span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;">Akad</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;">Sesuai</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;">Syariah</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;">, </span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: right; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;">Proses</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;">Mudah</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large;">, </span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: right; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">Cukup</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">saldo</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">Rp</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">. 2.250.000 </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">dapat</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">mengajukan</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">dana</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">talangan</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;"> </span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">haji</span><span style="color: #0d0d0d; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">
</span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large; font-weight: bold;">
</span></div>
<span style="font-size: large;"></span><br />
<span style="font-size: large;"> </span><span style="color: black; font-family: "Berlin Sans FB Demi"; font-size: large;">Apa</span><span style="color: black; font-family: "Berlin Sans FB Demi"; font-size: large;"> </span><span style="color: black; font-family: "Berlin Sans FB Demi"; font-size: large;">syaratnya</span><span style="color: black; font-family: "Berlin Sans FB Demi"; font-size: large;"> ?</span><br />
<b><span style="font-size: large;"> 1.</span></b><span style="color: black; font-family: "Arial Black"; font-size: large; font-weight: bold;">Tahap</span><span style="color: black; font-family: "Arial Black"; font-size: large; font-weight: bold;">
PERTAMA</span><br />
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<span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">
</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-left: 0.38in; margin-top: 0pt; text-align: left; text-indent: 0in; unicode-bidi: embed; vertical-align: baseline;">
<b><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">Membuka</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">Buku</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> Tabungan </span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">Haji</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">
</span></b></div>
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<b><span style="font-size: large;">a.</span></b><span style="color: black; font-family: "Britannic Bold"; font-size: large;">Administrasi</span><span style="color: black; font-family: "Britannic Bold"; font-size: large;"> :</span></div>
<span style="color: black; font-family: "Britannic Bold"; font-size: large;"> Foto</span><span style="color: black; font-family: "Britannic Bold"; font-size: large;"> Copy KTP </span><span style="font-size: large;"> </span><br />
<span style="font-size: large;"> </span><span style="color: black; font-family: "Britannic Bold"; font-size: large;">b.</span><span style="color: black; font-family: "Britannic Bold"; font-size: large;">Saldo</span><span style="color: black; font-family: "Britannic Bold"; font-size: large;"> </span><span style="color: black; font-family: "Britannic Bold"; font-size: large;">tabungan</span><span style="color: black; font-family: "Britannic Bold"; font-size: large;"> </span><span style="color: black; font-family: "Britannic Bold"; font-size: large;">haji</span><span style="color: black; font-family: "Britannic Bold"; font-size: large;"> = 100 </span><span style="color: black; font-family: "Britannic Bold"; font-size: large;">ribu</span><br />
<span style="color: black; font-family: "Britannic Bold"; font-size: large;"> </span><span style="color: black; font-family: "Arial Black"; font-size: large; font-weight: bold;">2. </span><span style="color: black; font-family: "Arial Black"; font-size: large; font-weight: bold;">Tahap</span><span style="color: black; font-family: "Arial Black"; font-size: large; font-weight: bold;"> KEDUA</span><br />
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<span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;"></span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> Ajukan</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">Permohonan</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> </span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-left: 0.94in; margin-top: 0pt; text-align: left; text-indent: 0in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">Pembiayaan</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">Talangan</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">Haji</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;"> KSU Syari'ah Assalam</span><span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">
</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-left: 0.89in; margin-top: 0pt; text-align: left; text-indent: -0.5in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: #000099; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">
</span></div>
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<span style="font-size: large;"><span style="font-family: Wingdings;">1) </span></span><span style="color: #000099; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">DANA YANG HARUS DIPERSIAPKAN </span><span style="color: #000099; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">Rp</span><span style="color: #000099; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">. 2.250.000,-</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-left: 0.89in; margin-top: 0pt; text-align: left; text-indent: -0.5in; unicode-bidi: embed; vertical-align: baseline;">
<span style="font-size: large;"><span style="font-family: Wingdings;"></span></span><span style="color: black; font-family: "Arial Narrow"; font-size: large;">
</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-left: 0.88in; margin-top: 0pt; text-align: left; text-indent: -0.51in; unicode-bidi: embed; vertical-align: baseline;">
<span style="font-size: large;"><span style="font-family: Wingdings;">2) </span></span><span style="color: #000099; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">ADMINISTRASI YANG HARUS DIPERSIAPKAN</span></div>
<div class="O2" style="direction: ltr; margin-bottom: 0pt; margin-left: 1.37in; margin-top: 0pt; text-align: justify; text-indent: -0.49in; unicode-bidi: embed; vertical-align: baseline;">
<span style="font-size: large;"><span style="font-family: Wingdings;">a).</span></span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large;">F</span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large;">otocopy
kartu identitas diri Nasabah (KTP yang masih berlaku).</span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large;">
</span></div>
<div class="O2" style="direction: ltr; margin-bottom: 0pt; margin-left: 1.37in; margin-top: 0pt; text-align: justify; text-indent: -0.49in; unicode-bidi: embed; vertical-align: baseline;">
<span style="font-size: large;"><span style="font-family: Wingdings;">b).</span></span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large;">Fotocopy
kartu keluarga</span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large;">.</span></div>
<div class="O2" style="direction: ltr; margin-bottom: 0pt; margin-left: 1.37in; margin-top: 0pt; text-align: justify; text-indent: -0.49in; unicode-bidi: embed; vertical-align: baseline;">
<span style="font-size: large;"><span style="font-family: Wingdings;">c).</span></span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large;">Fotocopy
surat nikah/cerai (jika telah menikah/cerai).</span></div>
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</div>
<div class="O2" style="direction: ltr; margin-bottom: 0pt; margin-left: 1.37in; margin-top: 0pt; text-align: justify; text-indent: -0.49in; unicode-bidi: embed; vertical-align: baseline;">
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: center; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: Calibri; font-size: large; font-weight: bold;">Biaya</span><span style="color: black; font-family: Calibri; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: Calibri; font-size: large; font-weight: bold;">Administrasi</span><span style="color: black; font-family: Calibri; font-size: large; font-weight: bold;"> </span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: center; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: Calibri; font-size: large;">ditetapkan</span><span style="color: black; font-family: Calibri; font-size: large;"> </span><span style="color: black; font-family: Calibri; font-size: large;">dengan</span><span style="color: black; font-family: Calibri; font-size: large;"> nominal </span><span style="color: black; font-family: Calibri; font-size: large;">sbb</span><span style="color: black; font-family: Calibri; font-size: large;">. :</span><span style="color: black; font-family: Arial; font-size: large;">
</span></div>
<span style="color: black; font-family: "Berlin Sans FB"; font-size: large;"> </span><span style="color: black; font-family: "Berlin Sans FB"; font-size: large;">
</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-left: 0.94in; margin-top: 0pt; text-align: left; text-indent: 0in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Baskerville Old Face"; font-size: large; font-weight: bold;">
</span></div>
<div style="direction: ltr; margin-bottom: 0pt; margin-top: 0pt; text-align: center; unicode-bidi: embed; vertical-align: baseline;">
</div>
<div style="direction: ltr; language: id; margin-bottom: 0pt; margin-top: 0pt; tab-stops: left 0pt left 18.0pt; text-align: center; text-indent: .25in; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">Simulasi</span><span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;"> </span><span style="color: black; font-family: "Arial Narrow"; font-size: large; font-weight: bold;">Pembiayaan</span><span style="color: black; font-family: "Arial Narrow"; font-size: 20pt; font-weight: bold;"> </span><span style="color: black; font-family: Arial; font-size: 20pt;">
</span></div>
<br />
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 759px;"><tbody>
<tr height="86" style="height: 64.59pt;"><td class="oa1" height="86" style="background-color: #fce5cd; color: blue; height: 64.59pt; text-align: left; width: 116pt;" width="154"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Paket</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;"> </span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Talangan</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;"> </span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Haji</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;"></span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa2" style="background-color: #fce5cd; color: blue; text-align: left; width: 151pt;" width="201"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Strata </span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Plafon</span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa3" style="background-color: #fce5cd; color: blue; text-align: left; width: 95pt;" width="127"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Ujroh</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">/</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Tahun</span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa3" style="background-color: #fce5cd; color: blue; text-align: left; width: 98pt;" width="130"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Saldo</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;"> Tabungan</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">
</span></div>
</td>
<td class="oa3" style="background-color: #fce5cd; color: blue; text-align: left; width: 111pt;" width="147"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Total Dana </span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">Awal</span><span style="font-family: "Arial Narrow"; font-size: small; font-weight: bold;">
</span></div>
</td>
</tr>
<tr height="61" style="height: 45.61pt;">
<td class="oa4" height="61" style="background-color: #fce5cd; color: blue; height: 45.61pt; text-align: left; width: 116pt;" width="154"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Arial Narrow"; font-size: small;">Paket</span><span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Arial Narrow"; font-size: small;">Amanah</span><span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa5" style="background-color: #fce5cd; color: blue; text-align: left; width: 151pt;" width="201"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> s/d </span><span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;"> 10 </span><span style="font-family: "Arial Narrow"; font-size: small;">juta</span><span style="font-family: "Times New Roman"; font-size: small;"></span></div>
</td>
<td class="oa5" style="background-color: #fce5cd; color: blue; text-align: left; width: 95pt;" width="127"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. </span><span style="font-family: "Arial Narrow"; font-size: small;">625.000 </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa5" style="background-color: #fce5cd; color: blue; text-align: left; width: 98pt;" width="130"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 200.000</span><span style="font-family: "Arial Narrow"; font-size: small;">
</span></div>
</td>
<td class="oa5" style="background-color: #fce5cd; color: blue; text-align: left; width: 111pt;" width="147"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 825.000</span><span style="font-family: "Arial Narrow"; font-size: small;">
</span></div>
</td>
</tr>
<tr height="61" style="height: 45.61pt;">
<td class="oa6" height="61" style="background-color: #fce5cd; color: blue; height: 45.61pt; text-align: left; width: 116pt;" width="154"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> Paket Istiqamah </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 151pt;" width="201"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 11 </span><span style="font-family: "Arial Narrow"; font-size: small;">juta</span><span style="font-family: "Arial Narrow"; font-size: small;"> s/d </span><span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;"> 15 </span><span style="font-family: "Arial Narrow"; font-size: small;">juta</span><span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 95pt;" width="127"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. </span><span style="font-family: "Arial Narrow"; font-size: small;">1.237.500 </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 98pt;" width="130"><div style="direction: ltr; line-height: normal; margin: 0pt 0in; text-indent: 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 200.000</span><span style="font-family: "Arial Narrow"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 111pt;" width="147"><div style="direction: ltr; line-height: normal; margin: 0pt 0in; text-indent: 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 1.437.500</span></div>
<div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
</tr>
<tr height="64" style="height: 48.1pt;">
<td class="oa6" height="64" style="background-color: #fce5cd; color: blue; height: 48.1pt; text-align: left; width: 116pt;" width="154"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> Paket Mabrur </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 151pt;" width="201"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 16 </span><span style="font-family: "Arial Narrow"; font-size: small;">juta</span><span style="font-family: "Arial Narrow"; font-size: small;"> s/d </span><span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;"> 20 </span><span style="font-family: "Arial Narrow"; font-size: small;">juta</span><span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 95pt;" width="127"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. </span><span style="font-family: "Arial Narrow"; font-size: small;">1.650.000 </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 98pt;" width="130"><div style="direction: ltr; line-height: normal; margin: 0pt 0in; text-indent: 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 200.000</span></div>
<div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">
</span></div>
</td>
<td class="oa7" style="background-color: #fce5cd; color: blue; text-align: left; width: 111pt;" width="147"><div style="direction: ltr; line-height: normal; margin: 0pt 0in; text-indent: 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 1.850.000</span></div>
<div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
</tr>
<tr height="64" style="height: 48.1pt;">
<td class="oa8" height="64" style="background-color: #fce5cd; color: blue; height: 48.1pt; text-align: left; width: 116pt;" width="154"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Arial Narrow"; font-size: small;">Paket</span><span style="font-family: "Arial Narrow"; font-size: small;"> Akbar </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa9" style="background-color: #fce5cd; color: blue; text-align: left; width: 151pt;" width="201"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 21 </span><span style="font-family: "Arial Narrow"; font-size: small;">juta</span><span style="font-family: "Arial Narrow"; font-size: small;"> s/d </span><span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;"> 25 </span><span style="font-family: "Arial Narrow"; font-size: small;">juta</span><span style="font-family: "Arial Narrow"; font-size: small;"> </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa9" style="background-color: #fce5cd; color: blue; text-align: left; width: 95pt;" width="127"><div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. </span><span style="font-family: "Arial Narrow"; font-size: small;">2.062.500 </span><span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
<td class="oa9" style="background-color: #fce5cd; color: blue; text-align: left; width: 98pt;" width="130"><div style="direction: ltr; line-height: normal; margin: 0pt 0in; text-indent: 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 200.000</span></div>
<div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">
</span></div>
</td>
<td class="oa9" style="background-color: #fce5cd; color: blue; text-align: left; width: 111pt;" width="147"><div style="direction: ltr; line-height: normal; margin: 0pt 0in; text-indent: 0in; unicode-bidi: embed;">
<span style="font-family: "Arial Narrow"; font-size: small;">Rp</span><span style="font-family: "Arial Narrow"; font-size: small;">. 2.262.500</span></div>
<div style="direction: ltr; margin: 0pt 0in; unicode-bidi: embed;">
<span style="font-family: "Times New Roman"; font-size: small;">
</span></div>
</td>
</tr>
</tbody></table>
<span style="font-size: small;"><br /></span><br />
*) Dana Talangan Haji ini Kerjasama KSU Syari'ah Assalam dengan BTN Syari'ah<br />
<br />
<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-35791796766216861452012-04-11T17:41:00.000-07:002012-04-11T17:41:00.576-07:00Usaha produksi Tempe Margarine<div dir="ltr" style="text-align: left;" trbidi="on">
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">KSU SYARI’AH ASSALAM melaksanakan
beberapa kegiatan usaha yang berbasis Syari’ah Islam, salah satunya adalah
usaha produksi Tempe Margarine. Kegiatan ini sudah berjalan sejak bulan
September 2010 dengan kemampuan produksi saat itu baru mencapai 35 buah
tempe/hari dengan ukuran tempe 250 g/buah atau menghabiskan bahan baku kedele
sebanyak 5 kg.</span></div>
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oleh ibu-ibu Jama’ah Masjid Assalam dengan peralatan dan tempat yang terbatas,
yaitu di emperan belakang Masjid Assalam. Tempe yang dihasilkan dipasarkan
masih terbatas pada anggota atau jama’ah Masjid Assalam Minomartani, hal ini
dikarenakan tidak adanya tenaga pemasaran yang memadai. Namun demikian pada
saat terjadinya erupsi Gunung Merapi, Tempe Margarine Produksi KSU Syari’ah
Assalam sempat mengalami kenaikan produksi yang mencapai 70 buah tempe/hari
atau naik 2 kali lipat dari biasanya, hal ini disebabkan ada permintaan dari
beberapa “Dapur Umum Pengungsian Korban Merapi”. Tetapi setelah para pengungsi
Merapi kembali ke tempat asalnya, maka tidak ada lagi pesanan Tempe Margarine
KSU Syari’ah Assalam. Hal ini mengakibatkan produksinya mengalami penurunan,
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produksi Tempe Margarine </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">mempunyai prospek yang cukup cerah dan menguntungkan, di samping dapat menyerap
tenaga kerja juga dapat meningkatkan kesejahteraan anggotanya. Karena itu KSU
SYARI’AH ASSALAM masih berupaya untuk meningkatkan usaha produksi Tempe
Margarine ini, dengan mengupayakan tempat produksi tempe yang lebih layak dan
berupaya meningkatkan keterampilan anggotanya dalam pengelolaan produksi tempe
ini sekaligus dalam hal pemasarannya.</span></div>
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<div align="center" class="MsoNoSpacing" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">PEMBUATAN
TEMPE MARGARINE</span></b></div>
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<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 49.5pt 63.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">BAHAN-BAHAN : <span style="mso-tab-count: 1;"> </span></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-
<span style="mso-tab-count: 1;"> </span>Kedele 5 Kg</span></div>
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<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Ragi tempe 1/2 sendok makan</span></div>
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<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Margarine / Mentega 1/2 sendok makan</span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">PERALATAN<span style="mso-spacerun: yes;"> </span>: <span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 1;"> </span></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Ember untuk merendam kedele</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Panci</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-
<span style="mso-tab-count: 1;"> </span>Bak plastik</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Ayakan</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Nampan besar</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Kompor</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Kantong plastik ukuran 20 x 10 cm secukupnya</span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">CARA KERJA :<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 45.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 85.5pt 99.0pt; text-align: justify; text-indent: -27.35pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kedele direndam dalam ember yang berisi air dingin selama
satu malam</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Keesokan harinya, air rendaman kedele dibuang</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kemudian kedelenya direbus sampai mendidih selama ± 3 jam</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kedele diangkat dan digiling untuk memisahkan kulit arinya.
(Kalau tidak ada alat gilingnya, bisa dengan cara diremas-remas dalam bak
plastik berisi air, dengan menggunakan ayakan kulit-arinya dipisahkan).</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kedele yang sudah terkupas, dicuci dalam bak plastik berisi
air bersih.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kemudian kedele yang sudah bersih direndam dalam bak plastik
atau panci berisi air dingin selama satu malam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Keesokan harinya kedele dicuci lagi seperti poin 5</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Setelah bersih kedele direbus lagi dalam panci sampai
mendidih</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kemudian diangkat dan ditiriskan diatas nampan besar sampai
dingin. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">10.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Setelah dingin, kedele ditaburi ragi tempe diaduk sampai rata
di atas nampan, kemudian diberi margarine/mentega dan diaduk lagi sampai rata.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">11.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kedele yang sudah dicampur dengan ragi dan margarine dikemas
dalam kantong plastik, satu kantong berisi 250 g kedele (sesuai ukuran tempe
yang diinginkan). Kantong plastik bagian yang terbuka ditutup atau direkatkan
dengan alat sealer plastik (bisa dengan menggunakan api lilin).</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">12.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Seluruh bagian kantong plastik ditusuk-tusuk merata dengan
tusuk gigi, agar terbentuk lubang-lubang kecil sehingga terjadi interaksi udara
dengan media tumbuh jamur pada kedele.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">13.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Kemasan tempe tadi kemudian disimpan dan ditata di atas rak
sampai matang atau tumbuh jamur ( ± 36 jam ).</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 45.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -27.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">14.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Setelah ± 36 jam tempe siap dipasarkan.</span></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 12.0pt; mso-add-space: auto; tab-stops: 85.5pt 99.0pt; text-align: center;">
<br /></div>
<div align="center" class="MsoListParagraphCxSpLast" style="margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 12.0pt; mso-add-space: auto; tab-stops: 85.5pt 99.0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">ANALISIS USAHA PRODUKSI
TEMPE MARGARINE</span></b></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: 116.85pt; width: 410px;">
<tbody>
<tr style="height: 45.0pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td colspan="2" rowspan="2" style="border: solid windowtext 1.0pt; height: 45.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 77.55pt;" width="103">
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">BAHAN</span></div>
</td>
<td rowspan="2" style="border-left: none; border: solid windowtext 1.0pt; height: 45.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 67.5pt;" width="90">
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">JUMLAH</span></div>
</td>
<td rowspan="2" style="border-left: none; border: solid windowtext 1.0pt; height: 45.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 43.9pt;" width="59">
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">SATUAN</span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 59.5pt;" width="79">
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>HARGA SATUAN </span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" width="78">
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">JUMLAH HARGA </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 1;">
<td colspan="2" nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 118.35pt;" valign="bottom" width="158">
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>-------- (Rp) --------</span></div>
</td>
</tr>
<tr style="height: 16.15pt; mso-yfti-irow: 2;">
<td colspan="2" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 16.15pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 77.55pt;" valign="bottom" width="103">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Kedele</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 16.15pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 67.5pt;" valign="bottom" width="90">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">5</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 16.15pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 43.9pt;" valign="bottom" width="59">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">kg</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 16.15pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 59.5pt;" valign="bottom" width="79">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>6.000 </span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 16.15pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" valign="bottom" width="78">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>30.000 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 3;">
<td colspan="2" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 77.55pt;" valign="bottom" width="103">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ragi tempe</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 67.5pt;" valign="bottom" width="90">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 43.9pt;" valign="bottom" width="59">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">g</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 59.5pt;" valign="bottom" width="79">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>20 </span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" valign="bottom" width="78">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>200 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 4;">
<td colspan="2" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 77.55pt;" valign="bottom" width="103">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Blue Band</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 67.5pt;" valign="bottom" width="90">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 43.9pt;" valign="bottom" width="59">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">g</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 59.5pt;" valign="bottom" width="79">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>26 </span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" valign="bottom" width="78">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>260 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 5;">
<td colspan="2" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 77.55pt;" valign="bottom" width="103">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Plastik</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 67.5pt;" valign="bottom" width="90">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">32</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 43.9pt;" valign="bottom" width="59">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">lbr</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 59.5pt;" valign="bottom" width="79">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>100 </span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" valign="bottom" width="78">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>3.200 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 6;">
<td colspan="2" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 77.55pt;" valign="bottom" width="103">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">BBM </span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 67.5pt;" valign="bottom" width="90"><br /></td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 43.9pt;" valign="bottom" width="59"><br /></td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 59.5pt;" valign="bottom" width="79">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span></span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" valign="bottom" width="78">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>7.000 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 7;">
<td colspan="5" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 248.45pt;" valign="bottom" width="331">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">JUMLAH</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" valign="bottom" width="78">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>40.600 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 8;">
<td nowrap="nowrap" style="height: 15.0pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.6pt;" valign="bottom" width="94"><br /></td>
<td colspan="2" nowrap="nowrap" style="height: 15.0pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 74.45pt;" valign="bottom" width="99"><br /></td>
<td nowrap="nowrap" style="height: 15.0pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 43.9pt;" valign="bottom" width="59"><br /></td>
<td nowrap="nowrap" style="height: 15.0pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 59.5pt;" valign="bottom" width="79"><br /></td>
<td nowrap="nowrap" style="height: 15.0pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" valign="bottom" width="78"><br /></td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 9;">
<td colspan="5" nowrap="nowrap" style="border: solid windowtext 1.0pt; height: 15.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 248.45pt;" width="331">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Jumlah
produksi (250 g/bungkus)</span></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" width="78">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: center;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">32</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 10;">
<td colspan="5" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 248.45pt;" width="331">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Harga
satuan (Rp)</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" width="78">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>2.000 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 11;">
<td colspan="5" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 248.45pt;" width="331">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Jumlah
harga (Rp)</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" width="78">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>64.000 </span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 12; mso-yfti-lastrow: yes;">
<td colspan="5" nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 248.45pt;" width="331">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; text-align: right;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Laba
kotor (Rp)</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 58.85pt;" width="78">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;">
<span lang="EN-US" style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>23.400 </span></div>
</td>
</tr>
<tr height="0">
<td style="border: none;" width="94"><br /></td>
<td style="border: none;" width="9"><br /></td>
<td style="border: none;" width="90"><br /></td>
<td style="border: none;" width="80"><br /></td>
<td style="border: none;" width="80"><br /></td>
<td style="border: none;" width="79"><br /></td>
</tr>
</tbody></table>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">CATATAN : </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt; tab-stops: 85.5pt 99.0pt; text-align: justify;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Bila mampu
berproduksi 50 kg / hari :</span></div>
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Laba yang
diperoleh = Rp 234.000,- / hari</span>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Dengan
menggunakan tenaga kerja 3 orang, bisa memberikan upah Rp 50.000,- / orang /
hari</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Laba
bersih yang diperoleh Rp 84.000,- / hari</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Kunci dari
keberhasilannya adalah dari pemasaran, bila permintaan pasar meningkat maka
produksi bisa meningkat dan keuntungan yang didapat juga meningkat.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Kulit ari
kedele bisa dimanfatkan untuk pakan ternak dengan harga jual Rp 2.500,-/kg
kering</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: 85.5pt 99.0pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Sumber
data : KSU SYARI’AH ASSALAM MINOMARTANI, NGAGLIK, SLEMAN DIY.</span></div>
<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-52730449807720724582012-04-04T23:23:00.002-07:002012-04-08T21:32:40.353-07:00Anggaran Dasar KSU Syari'ah Assalam<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
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<b><span lang="EN-US">ANGGARAN
DASAR</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
<b><span lang="EN-US">KOPERASI SERBA
USAHA SYARI’AH ASSALAM</span></b></div>
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<b><span lang="EN-US">MINOMARTANI,
NGAGLIK, SLEMAN</span></b></div>
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<br /></div>
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<span lang="EN-US">-</span>BAB
I<span lang="EN-US">-</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
NAMA
DAN TEMPAT KEDUDUKAN<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
1<span lang="EN-US"></span></div>
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(1)<span style="font: 7pt "Times New Roman";"> </span>Koperasi
ini bernama “<span lang="EN-US">Koperasi Serba
Usaha Syari’ah Assalam</span>“ dengan nama singkat <span lang="EN-US">“KSU Syari’ah Assalam”</span> dan selanjutnya
dalam Anggaran Dasar ini disebut Koperasi.</div>
<div class="MsoBodyText" style="margin-left: 18.0pt; mso-list: l20 level1 lfo3; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";"> </span>Koperasi
ini berkedudukan di </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l20 level2 lfo3; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Jalan :
<span lang="EN-US">Layur IX/03.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l20 level2 lfo3; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Padukuhan :<span lang="EN-US"> Plosokuning
V.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l20 level2 lfo3; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Desa :<span lang="EN-US"> Minomartani.</span></div>
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d.<span style="font: 7pt "Times New Roman";">
</span>Kecamatan :<span lang="EN-US"> Ngaglik</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l20 level2 lfo3; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>Kabupaten :
Sleman<span lang="EN-US">, </span><span lang="PT-BR">Kode Pos 55581.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l20 level2 lfo3; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>Provinsi :
Daerah Istimewa Yogyakarta</div>
<div class="MsoBodyText" style="margin-left: 18.0pt; mso-list: l20 level1 lfo3; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";"> </span>Koperasi
ini termasuk dalam <span lang="EN-US">K</span>elompok
Koperasi Konsumen<span lang="EN-US">.</span></div>
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BAB
II</div>
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LANDASAN,
ASAS DAN PRINSIP<span lang="EN-US"></span></div>
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Pasal
2<span lang="EN-US"></span></div>
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(1)<span style="font: 7pt "Times New Roman";">
</span>Koperasi berlandaskan Pancasila dan Undang-Undang Dasar
1945<span lang="EN-US">,</span> berdasarkan azas
kekeluargaan<span lang="EN-US"> dan dikelola
secara syari’ah. </span></div>
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Pasal
3<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-US">-</span>Koperasi melakukan
kegiatannya berdasarkan prinsip-prinsip koperasi yaitu :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l19 level2 lfo4; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Keanggotaan bersifat sukarela dan terbuka<span lang="EN-US">; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l19 level2 lfo4; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Pengelolaan dilakukan secara demokratis<span lang="EN-US">; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l19 level2 lfo4; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Pembagian Sisa Hasil Usaha dilakukan secara adil
sebanding dengan besarnya jasa usaha masing-masing anggota; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l19 level2 lfo4; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Pemberian balas jasa yang terbatas terhadap modal; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l19 level2 lfo4; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>Kemandirian; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l19 level2 lfo4; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>Pendidikan perkoperasian; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l19 level2 lfo4; text-align: justify; text-indent: -18.0pt;">
g.<span style="font: 7pt "Times New Roman";">
</span>Kerjasama antar koperasi<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l19 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Koperasi sebagai badan usaha dalam melaksanakan
kegiatannya mengorganisir pemanfaatan dan pendayagunaan sumber daya ekonomi
para anggotanya atas dasar prinsip-prinsip koperasi seperti tersebut pada ayat
(1) di atas dan kaidah-kaidah usaha ekonomi serta berprinsip syari’ah Islam. </div>
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BAB
III</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
TUJUAN
DAN USAHA</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
4<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Tujuan didirikan
koperasi adalah untuk : <span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l5 level1 lfo43; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Meningkatkan
kesejahteraan dan taraf
hidup anggota pada khususnya dan masyarakat daerah kerja pada umumnya<span lang="EN-US"> melalui sistem syari’ah</span>;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l5 level1 lfo43; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Menjadi gerakan ekonomi rakyat serta ikut membangun
tatanan perekonomian nasional. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l5 level1 lfo43; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span><span lang="EN-US">Membangun
ukhuwah Islamiyah</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
5</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; text-align: justify; text-indent: -21.3pt;">
(1) Untuk mencapai
tujuan sebagaimana dimaksud pasal 4,
maka Koperasi me<span lang="EN-US">miliki cakupan</span> kegiatan usaha sebag<span lang="EN-US">a</span>i berikut :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l32 level2 lfo45; tab-stops: 37.4pt; text-align: justify; text-indent: -7.05pt;">
<span lang="SV">a.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="SV">Perdagangan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l32 level2 lfo45; tab-stops: 37.4pt; text-align: justify; text-indent: -7.05pt;">
<span lang="SV">b.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="SV">Jasa.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l32 level2 lfo45; tab-stops: 37.4pt; text-align: justify; text-indent: -7.05pt;">
<span lang="SV">c.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="FI">Unit Jasa Keuangan Syari’ah.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l32 level2 lfo45; tab-stops: 37.4pt; text-align: justify; text-indent: -7.05pt;">
<span lang="SV">d.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="SV">Produksi.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 22.5pt; tab-stops: 22.5pt; text-align: justify; text-indent: -22.5pt;">
(2)<span lang="EN-US"> </span>Kegiatan
unit usaha <span lang="FI">pembiayaan</span>
ditujukan untuk menghimpun dan menyalurkan dana dari dan untuk anggota
koperasi, calon anggota, koperasi lain dan atau anggotanya.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 22.5pt; tab-stops: 22.5pt; text-align: justify; text-indent: -22.5pt;">
(3)<span lang="EN-US"> </span>Pengelolaan
<span lang="EN-US">U</span>nit <span lang="EN-US">P</span><span lang="FI">embiayaan</span> dilakukan secara terpisah dari unit usaha lainnya.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 22.5pt; tab-stops: 22.5pt; text-align: justify; text-indent: -22.5pt;">
(4) Pengelolaan Unit Usaha P<span lang="FI">embiayaan</span> dilakukan oleh tenaga pengelola yang mempunyai keahlian di
bidang keuangan atau pernah mengikuti pendidikan pembiayaan secara syari’ah
atau magang dalam Usaha Pembiayaan.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 22.5pt; tab-stops: 22.5pt; text-align: justify; text-indent: -22.5pt;">
(5) Dalam hal terdapat
kelebihan kemampuan pelayanan kepada anggota, koperasi dapat membuka peluang
usaha dengan non anggota<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 22.5pt; tab-stops: 22.5pt; text-align: justify; text-indent: -22.5pt;">
(6) Koperasi dapat membuka
cabang atau perwakilan ditempat lain di
dalam wilayah kerja Kabupaten Sleman, pembukaan cabang atau perwakilan harus
mendapat persetujuan Rapat Anggota<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 22.5pt; tab-stops: 22.5pt; text-align: justify; text-indent: -22.5pt;">
(7) Dalam melaksanakan
kegiatan usaha sebagaimana dimaksud dalam ayat (1) tersebut di atas Koperasi dapat melakukan kerjasama
dengan koperasi dan Badan Usaha lainnya, baik di dalam wilayah maupun di luar
wilayah Republik Indonesia.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 22.5pt; tab-stops: 22.5pt; text-align: justify; text-indent: -22.5pt;">
(8) Koperasi harus menyusun Rencana Kerja Jangka Panjang (<i style="mso-bidi-font-style: normal;">bussiness plan</i>) dan Rencana Kerja Jangka
Pendek (tahunan) serta Rencana Anggaran Pendapatan dan Belanja Koperasi
disahkan oleh Rapat Anggota.<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
IV<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
KEANGGOTAAN</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
6<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
(1) Persyaratan untuk diterima menjadi anggota
sebagai berikut :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l17 level2 lfo5; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Warga Negara Indonesia;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l17 level2 lfo5; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Memiliki kemampuan penuh untuk melakukan tindakan hukum
sendiri;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l17 level2 lfo5; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";"> </span>Telah melunasi simpanan pokok dan simpanan wajib yang
besarnya ditentukan dalam Anggaran Rumah Tangga atau Keputusan Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l17 level2 lfo5; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";"> </span>Menyetujui isi Anggaran Dasar, Anggaran Rumah Tangga
dan ketentuan yang berlaku dalam Koperasi; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l17 level2 lfo5; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>Bertempat tinggal kedudukan dan berdomisili di dalam
wilayah Kabupaten Sleman<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify; text-indent: -18.0pt;">
(2) Mereka yang ingin menjadi anggota koperasi wajib
menyampaikan permohonan tertulis kepada pengurus<span lang="EN-US">. -</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
7<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify; text-indent: -18.0pt;">
(1)
Keanggotaan Koperasi diperoleh jika seluruh persyaratan sebagaimana dimaksud
pasal 6 ayat (1) telah dipenuhi, yang bersangkutan didaftar dan telah
menandatangani Buku Daftar Anggota Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify; text-indent: -18.0pt;">
(2) Pengertian keanggotaan sebagaimana dimaksud ayat
(1) di atas termasuk para pendiri; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify; text-indent: -18.0pt;">
(3)
Keanggotaan tidak dapat dipindah tangankan kepada siapapun dengan cara
apapun;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify; text-indent: -18.0pt;">
(4) Koperasi
secara terbuka dapat menerima anggota lain sebagai <b>anggota luar biasa;</b><b><span lang="EN-US">--</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify; text-indent: -18.0pt;">
(5) <b>Anggota Luar Biasa</b> adalah penduduk
Indonesia yang berstatus sebagai Warga Negara Asing (WNA) atau WNI bermaksud
menjadi anggota dan memiliki kepentingan kebutuhan dan kegiatan ekonomi yang
diusahakan oleh koperasi, namun tidak dapat memenuhi semua syarat sebagai
anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify; text-indent: -18.0pt;">
(6) Tata
cara penerimaan anggota sebagaimana dimaksud ayat (4) di atur dalam Anggaran
Rumah Tangga. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
8<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Setiap anggota
memiliki hak : </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l13 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>memperoleh pelayanan dari koperasi; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l13 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>menghadiri dan berbicara dalam Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l13 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>memiliki hak suara yang sama;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l13 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>memilih dan dipilih menjadi pengurus atau pengawas;<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l13 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>mengajukan pendapat, saran dan usul untuk kebaikan dan
kemajuan Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l13 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>memperoleh bagian Sisa Hasil Usaha.<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
9<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Setiap anggota
mempunyai kewajiban :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l7 level1 lfo9; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>membayar simpanan wajib sesuai ketentuan yang
ditetapkan dalam Anggaran Rumah Tangga atau diputuskan Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l7 level1 lfo9; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>berpartisipasi dalam kegiatan usaha Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l7 level1 lfo9; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>mentaati ketentuan Anggaran Dasar, Anggaran Rumah
Tangga, Keputusan Rapat Anggota dan ketentuan lainnya yang berlaku dalam
Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l7 level1 lfo9; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>memelihara serta menjaga nama baik dan kebersamaan
dalam Koperasi.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
10</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l7 level2 lfo9; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Setiap anggota luar biasa memiliki hak :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l4 level1 lfo11; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>memperoleh pelayanan dari Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l4 level1 lfo11; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>menghadiri dan berbicara di dalam Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l4 level1 lfo11; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>mengajukan pendapat, saran dan usul untuk kebaikan dan
kemajuan Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l4 level1 lfo11; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>memperoleh bagian Sisa Hasil Usaha.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l7 level2 lfo9; tab-stops: 18.0pt; text-align: justify; text-indent: -27.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Setiap anggota luar biasa mempunyai kewajiban :</div>
<ol start="1" style="margin-top: 0cm;" type="a">
<li class="MsoNormal" style="line-height: 150%; mso-list: l41 level1 lfo12; text-align: justify;">membayar
simpanan wajib sesuai ketentuan yang ditetapkan dalam Anggaran Rumah
Tangga atau diputuskan Rapat Anggota;</li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l41 level1 lfo12; text-align: justify;">berpartisipasi
dalam kegiatan usaha Koperasi;<span lang="EN-US"></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l41 level1 lfo12; text-align: justify;">mentaati
ketentuan Anggaran Dasar, Anggaran Rumah Tangga, Keputusan Rapat Anggota
dan ketentuan lainnya yang berlaku dalam Koperasi;</li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l41 level1 lfo12; text-align: justify;">memelihara
dan menjaga nama baik dan kebersamaan dalam Koperasi.</li>
</ol>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
11<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l41 level3 lfo12; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Bagi mereka yang meskipun telah melunasi simpanan
pokok, tetapi secara formal belum sepenuhnya melengkapi persyaratan
adaministratif, belum menandatangani Buku Daftar Anggota atau belum membayar
seluruh simpanan pokok termasuk simpanan wajib dan lain-lain sebagaimana diatur
dalam Anggaran Rumah Tangga berstatus sebagai calon anggota; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l41 level3 lfo12; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Calon anggota memiliki hak : </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l43 level1 lfo10; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>memperoleh pelayanan dari Koperasi<span lang="EN-US">;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l43 level1 lfo10; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>dapat menghadiri Rapat Anggota; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l43 level1 lfo10; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>dapat mengajukan pendapat, saran dan usul untuk
kebaikan dan kemajuan Koperasi.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l41 level3 lfo12; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Calon anggota mempunyai kewajiban :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l43 level2 lfo10; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>membayar simpanan wajib sesuai ketentuan yang
diputuskan Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l43 level2 lfo10; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>berpartisipasi dalam kegiatan usaha Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l43 level2 lfo10; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>mentaati ketentuan Anggaran Dasar, Anggaran Rumah
Tangga, Keputusan Rapat Anggota dan ketentuan lainnya yang berlaku dalam
Koperasi;<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l43 level2 lfo10; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>memelihara dan menjaga nama baik dan kebersamaan dalam Koperasi.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
12<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l43 level3 lfo10; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Keanggotaan berakhir apabila :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l44 level1 lfo13; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>anggota tersebut meninggal dunia; atau</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l44 level1 lfo13; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Koperasi membubarkan diri atau dibubarkan oleh
Pemerintah; atau<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l44 level1 lfo13; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Berhenti atas permintaan sendiri; atau<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l44 level1 lfo13; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Diberhentikan oleh pengurus karena tidak lagi memenuhi
persyaratan keanggotaan atau melanggar ketentuan Anggaran Dasar/Anggaran Rumah
Tangga dan ketentuan lain yang berlaku dalam Koperasi. <span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l43 level3 lfo10; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Anggota yang diberhentikan oleh Pengurus dapat meminta pertimbangan
Rapat Anggota. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l43 level3 lfo10; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Simpanan pokok dan simpanan wajib anggota yang
diberhentikan oleh Pengurus, dikembalikan sesuai dengan ketentuan Anggaran
Rumah Tangga atau Peraturan Khusus. </div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
V</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
RAPAT
ANGGOTA<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
13<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l44 level2 lfo13; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota merupakan
pemegang kekuasaan tertinggi dalam Koperasi.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l44 level2 lfo13; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Koperasi dilaksanakan untuk menetapkan :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l39 level1 lfo14; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Anggaran Dasar, Anggaran Rumah Tangga, Perubahan
Anggaran Dasar dan Perubahan Anggaran Rumah Tangga<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l39 level1 lfo14; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Kebijakan umum dibidang organisasi, manajemen, usaha
dan permodalan Koperasi<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l39 level1 lfo14; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Pemilihan, pengangkatan dan pemberhentian Pengurus dan
Pengawas<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l39 level1 lfo14; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Rencana kerja, rencana anggaran pendapatan dan belanja
Koperasi, serta pengesahan laporan keuangan<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l39 level1 lfo14; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>Pengesahan pertanggungjawaban Pengurus dan Pengawas
dalam pelaksanaan tugasnya<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l39 level1 lfo14; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>Pembagian sisa hasil usaha<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l39 level1 lfo14; text-align: justify; text-indent: -18.0pt;">
g.<span style="font: 7pt "Times New Roman";">
</span>Penggabungan, peleburan, pembagian dan pembubaran
Koperasi<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l44 level2 lfo13; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota dilakukan sekurang-kurangnya sekali dalam
1 (satu) tahun.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l44 level2 lfo13; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota dapat dilakukan secara langsung atau
melalui perwakilan yang pengaturannya ditentukan dalam Anggaran Rumah Tangga;</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
14</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pengambilan keputusan Rapat Anggota berdasarkan
musyawarah untuk mencapai mufakat. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal tidak tercapai mufakat, maka pengambilan
keputusan oleh Rapat Anggota berdasarkan suara terbanyak dari jumlah anggota
yang hadir.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal dilakukan pemungutan suara, setiap anggota
mempunyai hak satu suara.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Anggota yang tidak hadir tidak dapat mewakilkan
suaranya kepada anggota yang lain, yang hadir pada Rapat Anggota tersebut. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Pemungutan suara dapat dilakukan secara terbuka atau
tertutup, kecuali mengenai diri orang, dilakukan secara tertutup. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(6)<span style="font: 7pt "Times New Roman";">
</span>Keputusan Rapat Anggota dicatat dalam Berita Acara
Rapat dan notulen rapat dan ditandatangani oleh Pimpinan Rapat. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(7)<span style="font: 7pt "Times New Roman";">
</span>Anggota Koperasi dapat juga mengambil keputusan tanpa
mengadakan Rapat Anggota, dengan ketentuan semua anggota Koperasi harus
diberitahu secara tertulis dan seluruh anggota Koperasi memberikan persetujuan
mengenai hal tersebut secara tertulis serta menandatangani persetujuan
tersebut, tanpa ada tekanan dari Pengurus dan atau pihak-pihak tertentu.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l39 level2 lfo14; text-align: justify; text-indent: -18.0pt;">
(8)<span style="font: 7pt "Times New Roman";">
</span>Pengaturan selanjutnya diatur dalam Anggaran Rumah
Tangga.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
15</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Tempat, acara,
tata tertib dan bahan materi Rapat Anggota harus sudah disampaikan terlebih
dahulu kepada anggota sekurang-kurangnya 3 (tiga) hari sebelum pelaksanaan
Rapat Anggota. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
16</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l4 level2 lfo11; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota diselenggarakan oleh pengurus Koperasi. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l4 level2 lfo11; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota dapat dipimpin langsung oleh Pengurus
Koperasi atau oleh Ketua dan sekretaris rapat yang dipilih dalam Rapat Anggota
tersebut<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l4 level2 lfo11; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Pemilihan Ketua dan sekretaris rapat dipimpin oleh
Pengurus Koperasi dan dipilih dari anggota yang hadir, yang tidak menyangkut
jabatan Pengurus, Pengawas dan Pengelola atau karyawan koperasi. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l4 level2 lfo11; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Setiap Rapat Anggota harus dibuat Berita Acara Rapat
dan Notulen rapat yang ditandatangani oleh
ketua dan Sekretaris Rapat<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l4 level2 lfo11; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Berita acara Rapat Anggota yang telah ditandatangani
oleh Ketua dan Sekretaris Rapat menjadi bukti yang sah terhadap semua Anggota
Koperasi dan pihak ketiga<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l4 level2 lfo11; text-align: justify; text-indent: -18.0pt;">
(6)<span style="font: 7pt "Times New Roman";">
</span>Penandatanganan sebagaiman dimaksud ayat (4) tidak
diperlukan, jika Berita Acara rapat tersebut dibuat oleh Notaris yang hadir dalam
rapat anggota tersebut.</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
17</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; text-align: justify;">
Rapat Anggota Koperasi terdiri dari : </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l45 level1 lfo15; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Tahunan ( RAT )<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l45 level1 lfo15; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Khusus ( RAK )<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l45 level1 lfo15; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Luar Biasa ( RALB )<span lang="EN-US">. </span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
18<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l45 level2 lfo15; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Tahunan (RAT) dilaksanakan dengan
ketentuan :</div>
<ol start="1" style="margin-top: 0cm;" type="a">
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo44; tab-stops: list 36.0pt; text-align: justify;"><span lang="EN-US">D</span>ihadiri
oleh lebih dari ½ ( satu perdua ) jumlah anggota<span lang="EN-US">.</span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo44; tab-stops: list 36.0pt; text-align: justify;">Keputusannya sah apabila disetujui oleh lebih dari
½ (satu perdua ) jumlah anggota yang hadir<span lang="EN-US">.</span><span lang="EN-US"> </span></li>
</ol>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l45 level2 lfo15; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Apabila quorum sebagaimana dimaksud ayat (1) huruf a di
atas tidak tercapai, maka Rapat Anggota tersebut ditunda untuk waktu paling
lama 7 (tujuh) hari, untuk rapat kedua diadakan pemanggilan kembali kedua kali. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l45 level2 lfo15; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Apabila pada rapat kedua sebagaimana dimaksud ayat (2)
diatas quorum tetap belum tercapai, maka rapat anggota tersebut dapat
dilangsungkan dan keputusannya sah serta mengikat bagi semua anggota, bila
dihadiri sekurang-kurangnya 1/3 (satu pertiga) dari jumlah anggota dan
keputusannya disetujui oleh 2/3 (dua pertiga) dari jumlah anggota yang hadir. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l45 level2 lfo15; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Pengaturan selanjutnya diatur dalam Anggaran Rumah
Tangga.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
19<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l18 level1 lfo16; text-align: justify; text-indent: -20.25pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Tahunan (RAT) diadakan dalam waktu paling
lambat 6<span lang="EN-US"> (enam</span>) bulan
sesudah tutup tahun buku<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l18 level1 lfo16; text-align: justify; text-indent: -20.25pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Tahunan membahas dan mengesahkan : </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l18 level2 lfo16; text-align: justify; text-indent: -27.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Laporan Pertanggung Jawaban Pengurus (LPJP) atas
pelaksanaan tugasnya.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l18 level2 lfo16; text-align: justify; text-indent: -27.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Neraca dan <span lang="EN-US">penjelasannya.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l18 level2 lfo16; text-align: justify; text-indent: -27.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span><span lang="EN-US">P</span>erhitungan
<span lang="EN-US">H</span>asil <span lang="EN-US">U</span>saha <span lang="EN-US">dan penjelasannya.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l18 level2 lfo16; text-align: justify; text-indent: -27.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Penggunaan dan pembagian Sisa Hasil Usaha (SHU)<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l18 level2 lfo16; text-align: justify; text-indent: -27.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>Pertanggungjawaban pelaksanaan tugas pengawas dalam
satu tahun buku.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l18 level1 lfo16; text-align: justify; text-indent: -20.25pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Laporan Pertanggungjawaban Pengurus sebagaimana
tersebut ayat (2) huruf a, b<span lang="EN-US">, c</span> dan huruf <span lang="EN-US">d</span> harus ditandatangani oleh
semua anggota pengurus dengan ketentuan apabila salah seorang anggota pengurus
tidak menandatangani laporan tersebut, anggota yang bersangkutan menjelaskan
alasannya secara tertulis<span lang="EN-US">.</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
20</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l38 level1 lfo42; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Khusus untuk membahas dan mengesahkan
Rencana Kerja dan Rencana Anggaran Pendapatan dan Belanja Koperasi harus
dilaksanakan tiap tahun buku, paling lambat 3 (tiga) bulan sebelum tahun
buku/anggaran yang bersangkutan dilaksanakan, yang diajukan oleh Pengurus.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l38 level1 lfo42; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Apabila Rapat Anggota Khusus seperti tersebut pada ayat
(1) diatas belum mampu dilaksanakan oleh Koperasi karena alasan yang obyektif
dan rasional seperti efisiensi maka : </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l38 level2 lfo42; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Pembahasan Rencana Kerja (RK) dan Rencana Anggaran
Pendapatan dan Belanja Koperasi (RAPBK) dapat dilaksanakan bersamaan dengan
Rapat Anggota Tahunan (RAT) dengan acara tersendiri, dengan ketentuan Rapat
Anggota Tahunan (RAT) harus dilaksanakan paling lambat 3 (tiga) bulan setelah
tutup tahun buku; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l38 level2 lfo42; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Selama Rencana Kerja (RK) dan Rencana Anggaran
Pendapatan dan Belanja Koperasi (RAPBK) belum disyahkan oleh Rapat Anggota
dalam pelaksanaan tugasnya Pengurus berpedoman pada Rencana Kerja (RK) dan
Rencana Anggaran Pendapatan dan Belanja Koperasi (RAPBK) tahun sebelumnya yang
telah mendapat persetujuan; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l38 level2 lfo42; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Pengaturan selanjutnya diaturdalam ART dan atau
Peraturan Khusus.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l38 level1 lfo42; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan quorum Rapat Anggota Khusus sebagaimana dim<span lang="EN-US">a</span>ksud ayat 1 pasal ini sesuai
dengan ketentuan dalam pasal 18<span lang="EN-US">. </span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
21<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l14 level1 lfo17; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Rapat Ang<span lang="EN-US">g</span>ota Khusus untuk mengubah Anggaran Dasar dan Anggaran Rumah
Tangga Koperasi dilaksanakan dengan ketentuan :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>dihadiri oleh sekurang-kurangnya ¾ (tiga perempat) dari
jumlah ang<span lang="EN-US">g</span>ota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>keputusannya sah apabila disetujui oleh
sekurang-kurangnya 2/3 (dua pertiga) dari jumlah anggota yang hadir.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l14 level1 lfo17; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Rapat Ang<span lang="EN-US">g</span>ota Khusus untuk pembubaran, penggabungan, peleburan dan
pembagian Koperasi dilaksanakan dengan ketentuan :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>dihadiri oleh sekurang-kurangnya ¾ (tiga perempat) dari
jumlah anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>keputusannya harus disetujui oleh ¾ (tiga perempat) dari
jumlah anggota yang hadir.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l14 level1 lfo17; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Rapat Ang<span lang="EN-US">g</span>ota Khusus untuk Pemberhentian, pemilihan dan pengangkatan
Pengurus dan Pengawas dilaksanakan dengan ketentuan :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>dihadiri oleh lebih dari ½ ( satu perdua ) dari jumlah anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>keputusannya harus disetujui oleh lebih dari ½ (satu
perdua) dari jumlah anggota yang hadir.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l14 level1 lfo17; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan dan pengaturan lebih lanjut diatur dalam
dalam Anggaran Rumah Tangga atau ketentuan khusus. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
22<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l47 level1 lfo18; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Luar Biasa (RALB) dapat diselenggarakan
apabila dipandang sangat diperlukan adanya keputusan, yang kewenangannya ada
pada Rapat Anggota dan tidak dapat menunggu dilaksanakan Rapat Anggota seperti
diatur pada pasal 18 Anggaran Dasar ini; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l47 level1 lfo18; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Luar Biasa (RALB) sebagaimana dimaksud
pada ayat (1) diatas dapat diadakan apabila:<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Ada permintaan paling sedikit 20 % dari jumlah anggota;
atau</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Atas keputusan Rapat Pengurus atau keputusan Rapat
Pengurus dan Pengawas atau</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Dalam hal keadaan sangat mendesak untuk segera
memperoleh keputusan Rapat Anggota; atau</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l14 level2 lfo17; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Negara dalam keadaan bahaya atau perang, tidak
memungkinkan diadakan Rapat Anggota Tahunan atau Rapat Anggota Khusus seperti
tersebut pada pasal 20 ayat (1) dan pasal 21 ayat (3) Anggaran Dasar ini.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l47 level1 lfo18; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota Luar Biasa (RALB) sah dan keputusannya
mengikat seluruh anggota, apabila :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l47 level2 lfo18; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>dihadiri oleh sekurang-kurangnya ½ (satu perdua) dari
jumlah anggota dan keputusannya disetujui oleh 2/3 (dua pertiga) dari jumlah
anggota yang hadir.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l47 level2 lfo18; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Untuk maksud pada ayat 2, d diatas, harus dihadiri oleh
sekurang-kurangnya 1/5 (satu perlima) dari jumlah anggota dan keputusannya
disetujui 2/3 (dua pertiga) dari jumlah anggota yang hadir. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l47 level1 lfo18; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan dan pengatuaran selanjutnya diatur didalam
Anggaran Rumah Tangga<span lang="EN-US">.</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
VI</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
PENGURUS</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
23</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pengurus Koperasi dipilih dari dan oleh anggota dalam
Rapat Anggota<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Persyaratan untuk dapat dipilih menjadi Pengurus,
sebagai berikut :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Mempunyai kemampuan pengetahuan tentang perkoperasian, <span lang="EN-US">fathonah, amanah, siddiq, tabligh
(FAST), </span>loyal, dan berdedikasi terhadap <span lang="EN-US">k</span>operasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Pendidikan minimal <span lang="EN-US">SLTA</span>. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Umur maksimal <span lang="EN-US">70</span> tahun<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Mempunyai ketrampilan kerja dan wawasan usaha serta
semangat kewirausahaan<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>Sudah menjadi anggota koperasi sekurang-kurangnya <span lang="EN-US">1</span> (<span lang="EN-US">satu</span>) tahun<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>Antar pengurus tidak mempunyai hubungan keluarga
sedarah dan semenda sampai dengan derajat kesatu<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
g.<span style="font: 7pt "Times New Roman";">
</span>Tidak merangkap jabatan sebagai pengurus atau pengawas
pada koperasi lain yang sejenis kecuali koperasi sekundernya<span lang="EN-US">. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
h.<span style="font: 7pt "Times New Roman";">
</span>Belum pernah terbukti melakukan tindak pidana kriminal,
terlibat organisasi terlarang seperti diatur dalam Anggaran Rumah Tangga<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
i.<span style="font: 7pt "Times New Roman";">
</span>Telah mengikuti pendidikan perkoperasian.<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan pada ayat 2 huruf e dan i pada pasal ini
dikecualikan pada saat pendirian koperasi; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Pengurus dipilih untuk masa jabatan <span lang="EN-US">3</span> (<span lang="EN-US">tiga</span>) tahun<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Anggota pengurus yang telah diangkat dicatat dalam Buku
Daftar Pengurus;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(6)<span style="font: 7pt "Times New Roman";">
</span>Anggota Pengurus yang masa jabatannya telah berakhir
dapat dipilih kembali untuk masa jabatan berikutnya, apabila yang bersangkutan
berprestasi bagus dalam mengelola koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(7)<span style="font: 7pt "Times New Roman";">
</span>Sebelum melaksanakan tugas dan kewajibannya sebagai
pengurus, harus terlebih dahulu mengucapkan sumpah atau janji di depan Rapat
Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level1 lfo19; text-align: justify; text-indent: -18.0pt;">
(8)<span style="font: 7pt "Times New Roman";">
</span>Tata cara pemilihan, pengangkatan, pemberhentian dan
sumpah atau janji Pengurus diatur dan ditetapkan dalam Anggaran Rumah Tangga
atau peraturan khusus.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
24<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l30 level1 lfo20; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Jumlah pengurus sekurang-kurangnya 3 ( tiga) orang</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l30 level1 lfo20; tab-stops: list 18.0pt; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Susunan pengurus sekurang-kurangnya terdiri dari :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: 0cm;">
a.<span style="font: 7pt "Times New Roman";">
</span>Ketua<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: 0cm;">
b.<span style="font: 7pt "Times New Roman";">
</span>Sekretaris<span lang="EN-US">.</span><span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l12 level2 lfo19; text-align: justify; text-indent: 0cm;">
c.<span style="font: 7pt "Times New Roman";">
</span>Bendahara<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l30 level1 lfo20; tab-stops: list 18.0pt; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Susunan Pengurus Koperasi diatur lebih lanjut dalam
Anggaran Rumah Tangga sesuai dengan kebutuhan organisasi dan usaha Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l30 level1 lfo20; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Pengurus dapat mengangkat Direksi atau Manager yang
diberi wewenang dan kuasa untuk mengelola usaha Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l30 level1 lfo20; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Apabila koperasi belum mampu mengangkat Direksi/
Manager, maka salah satu dari anggota Pengurus dapat bertindak sebagai direksi/
Manager Koperasi dan Pengurus yang bersangkutan harus melepaskan sementara
jabatannya sebagai pengurus.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l30 level1 lfo20; text-align: justify; text-indent: -18.0pt;">
(6)<span style="font: 7pt "Times New Roman";">
</span>Pengaturan lebih lanjut tentang susunan, tugas pokok,
wewenang dan tanggung jawab Pengurus diatur lebih lanjut dalam Anggaran Rumah
Tangga.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
25<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-US">T</span>ugas dan Kewajiban pengurus
adalah:<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>menyelenggarakan dan mengendalikan usaha Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>melakukan seluruh perbuatan hukum atas nama Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>mewakili Koperasi di dalam dan di luar pengadilan<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>mengajukan rencana kerja, rencana anggaran pendapatan
dan belanja Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font-family: "Times New Roman";"> </span>menyelenggarakan Rapat Anggota serta
mempertanggungjawabkan pelaksanaan tugas<br />
kepengurusannya<span lang="EN-US">.</span><br />
(6)<span style="font: 7pt "Times New Roman";">
</span>memutuskan penerimaan anggota baru, penolakan anggota
serta pemberhentian anggota.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(7)<span style="font: 7pt "Times New Roman";"> </span>membantu pelaksanaan tugas pengawasan dengan memberikan
keterangan dan memperlihatkan bukti-bukti yang diperlukan<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(8)<span style="font: 7pt "Times New Roman";"> </span>memberikan penjelasan dan keterangan kepada anggota
mengenai jalannya organisasi dan usaha Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
(9)<span style="font: 7pt "Times New Roman";">
</span>memelihara kerukunan diantara anggota dan mencegah
segala hal yang menyebabkan perselisihan<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -27.0pt;">
(10)<span style="font: 7pt "Times New Roman";">
</span>menanggung kerugian Koperasi sebagai akibat karena
kelalaiannya, dengan ketentuan :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 54.0pt; mso-list: l25 level2 lfo21; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";"> </span>jika kerugian yang timbul sebagai akibat kelalaian
seorang atau beberapa orang Pengurus, maka kerugian ditanggung oleh anggota
Pengurus yang bersangkutan; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 54.0pt; mso-list: l25 level2 lfo21; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Jika kerugian yang timbul sebagai akibat kebijakan yang
telah diputuskan dalam Rapat Pengurus, maka semua anggota Pengurus tanpa
kecuali menanggung kerugian yang diderita Koperasi.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -27.0pt;">
(11)<span style="font: 7pt "Times New Roman";"> </span>menyusun ketentuan mengenai tugas, wewenang dan
tanggung jawab anggota Pengurus serta ketentuan mengenai pelayanan terhadap
anggota;<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -27.0pt;">
(12)<span style="font: 7pt "Times New Roman";">
</span>meminta jasa audit kepada Koperasi Jasa Audit dan atau
Akuntan Publik yang biayanya ditanggung oleh Koperasi dan biaya audit tersebut
dimasukkan dalam Anggaran Biaya Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l25 level1 lfo21; text-align: justify; text-indent: -27.0pt;">
(13)<span style="font: 7pt "Times New Roman";">
</span>Pengurus atau salah seorang yang ditunjuknya
berdasarkan ketentuan yang berlaku dapat melakukan tindakan hukum yang bersifat
pengurusan dan pemilikan dalam batas tertentu berdasarkan persetujuan tertulis
dari Keputusan Rapat Pengurus dan Pengawas Koperasi dalam hal-hal sebagai
berikut :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 54.0pt; mso-list: l25 level2 lfo21; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>meminjam atau meminjamkan uang atas nama Koperasi
dengan jumlah tertentu, yang ditetapkan dalam Anggaran Rumah Tangga atau
Peraturan Khusus Koperasi<span lang="EN-US">;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 54.0pt; mso-list: l25 level2 lfo21; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>membeli, menjual atau dengan cara lain memperoleh atau
melepaskan hak atas barang bergerak milik Koperasi dengan jumlah tertentu yang
ditetapkan dalam Anggaran Rumah Tangga ata Peraturan Khusus Koperasi<span lang="EN-US">.</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
26</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Pengurus
mempunyai hak :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>menerima imbalan jasa sesuai keputusan Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>mengangkat dan me<span lang="EN-US">m</span>berhentikan Direksi/ Manager dan Karyawan Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>membuka cabang/perwakilan usaha sesuai dengan keputusan
Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>melakukan upaya-upaya dalam rangka mengembangkan usaha
Kopersi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>meminta laporan dari Direksi/manager secara berkala dan
sewaktu-waktu diperlukan.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
27<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level2 lfo22; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pengurus dapat diberhentikan oleh Rapat Anggota sebelum
masa jabatannya berakhir apabila terbukti <span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l15 level1 lfo23; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";"> </span>melakukan kecurangan atau penyelewengan yang merugikan
usaha dan keuangan serta nama baik Koperasi<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l15 level1 lfo23; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";"> </span>tidak mentaati ketentuan Undang-Undang Perkoperasian
beserta peraturan dan ketentuan pelaksanaannya, Anggaran Dasar, Anggaran Rumah
Tangga dan keputusan Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l15 level1 lfo23; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>sikap maupun tindakannya menimbulkan akibat yang
merugikan Koperasi khususnya dan gerakan Koperasi pada umumnya;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l15 level1 lfo23; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>melakukan dan terlibat dalam tindak pidana terutama
dibidang ekonomi dan keuangan dan tindak pidana lain yang telah diputuskan oleh
Pengadilan.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level2 lfo22; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal salah seorang anggota Pengurus berhenti
sebelum masa jabatan berakhir, rapat Pengurus dengan dihadiri wakil Pengawas
dapat mengaangkat penggantinya dengan cara :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level1 lfo24; tab-stops: list 18.0pt; text-align: justify; text-indent: 0cm;">
a.<span style="font: 7pt "Times New Roman";">
</span>menunjuk salah seorang Pengurus untuk merangkap jabatan
tesebut; atau</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level1 lfo24; tab-stops: list 18.0pt; text-align: justify; text-indent: 0cm;">
b.<span style="font: 7pt "Times New Roman";">
</span>mengangkat dari kalangan anggota untuk menduduki
jabatan pengurus tersebut.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l9 level2 lfo22; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Pengangkatan pengganti Pengurus yang berhenti
sebagaimana dimaksud ayat (2) harus dipertanggungjawabakan oleh Pengurus dan
disahkan dalam Rapat Anggota berikutnya. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
VII</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
PENGAWAS</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
28</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 0cm; mso-list: l16 level2 lfo24; tab-stops: 18.0pt; text-align: justify; text-indent: 0cm;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pengawas dipilih dari dan oleh anggota dalam Rapat
Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 0cm; mso-list: l16 level2 lfo24; tab-stops: 18.0pt; text-align: justify; text-indent: 0cm;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Pengawas tediri dari : </div>
<div class="MsoNormal" style="line-height: 150%; tab-stops: 18.0pt; text-align: justify;">
a. Pengawas Manajemen<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; tab-stops: 18.0pt; text-align: justify;">
b. Dewan Pengawas <span lang="EN-US">S</span>yari’ah<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level2 lfo24; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Yang dapat dipilih menjadi Pengawas adalah anggota yang
memenuhi syarat sebagai berikut :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l10 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>mempunyai pengetahuan tentang perkoperasian, pengawasan
dan akuntansi, jujur dan berdedikasi terhadap Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l10 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Pendidikan minimal .<span lang="EN-US">SLTA.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l10 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Umur maksimal <span lang="EN-US">70</span> tahun<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l10 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>memiliki kemampuan ketrampilan kerja dan wawasan di
bidang Pengawasan;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l10 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>sudah menjadi anggota sekurang-kurangnya 2 (dua) tahun.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l10 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>Telah mengikuti pendidikan perkoperasian<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l10 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
g.<span style="font: 7pt "Times New Roman";">
</span>Tidak merangkap jabatan sebagai pengawas atau pengurus
pada koperasi <span lang="EN-US">sejenis </span>kecuali
koperasi sekundernya<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level2 lfo24; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan pada ayat (3) huruf e dan f pada pasal ini
dikecualikan pada saat pendirian koperasi; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level2 lfo24; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Khusus untuk Dewan Pengawas Syari’ah, selain syarat
sebagaimana tersebut ayat (3) diatas harus mendapat rekomendasi dari Majelis
Ulama Indonesia (MUI) Kabupaten Sleman<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level2 lfo24; text-align: justify; text-indent: -18.0pt;">
(6)<span style="font: 7pt "Times New Roman";">
</span>Pengawas dipilih untuk masa jabatan <span lang="EN-US">5 </span>(<span lang="EN-US">lima</span>) tahun; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level2 lfo24; text-align: justify; text-indent: -18.0pt;">
(7)<span style="font: 7pt "Times New Roman";">
</span>Pengawas terdiri atas sekurang-kurangnya 3 (tiga) orang
dan sebanyak-banyaknya <span lang="EN-US">5</span>
(<span lang="EN-US">lima</span>) orang;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level2 lfo24; text-align: justify; text-indent: -18.0pt;">
(8)<span style="font: 7pt "Times New Roman";">
</span>Sebelum melaksanakan tugas dan kewajiban sebagai
Pengawas, harus terlebih dahulu mengucapkan sumpah atau janji di depan Rapat
Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l16 level2 lfo24; text-align: justify; text-indent: -18.0pt;">
(9)<span style="font: 7pt "Times New Roman";">
</span>Tata cara pemilihan, pengangkatan, pemberhentian dan
sumpah atau janji Pengawas diatur dan ditetapkan dalam Anggaran Rumah Tangga.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
29<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l10 level3 lfo25; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal Koperasi telah mampu mengangkat
Direksi/Manager yang profesional, maka Pengawas manajemen dapat diadakan secara
tetap atau sewaktu-waktu sesuai dengan kebutuhan dan ditentukan dengan
keputusan Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l10 level3 lfo25; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal Koperasi tidak mengangkat Pengawas manajemen
tetap, maka ditentukan:</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l48 level1 lfo26; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Pengangkatan Direksi/ Manager tersebut harus langsung
ditetapkan oleh Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l48 level1 lfo26; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Fungsi dan tugas Pengawas manajemen menjadi tugas dan
tanggung jawab Pengurus dan Pengurus tidak ikut campur tangan kedalam
pengelolaan kegiatan usaha, keuangan yang dijalankan oleh Koperasi.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l48 level1 lfo26; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Audit keuangan dapat dilakukan oleh Akuntan Publik dan
non Keuangan oleh tenaga ahli dibidang tersebut atas permintaan Pengurus.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l10 level3 lfo25; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Pengaturan selanjutnya diatur dalam Anggaran Rumah
Tangga.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
30</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Hak dan
kewajiban Pengawas adalah :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l27 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>melakukan Pengawasan terhadap pelaksanaan kebijakan dan
pengelolaan Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l27 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>meneliti catatan dan pembukuan yang ada pada Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l27 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>mendapat segala keterangan yang diperlukan;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l27 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>memberikan koreksi, saran, teguran dan peringatan
kepada pengurus;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l27 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>merahasiakan hasil pengawasannya terhadap pihak ketiga;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l27 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>membuat laporan tertulis tentang hasil pelaksanaan
tugas pengawasan kepada Rapat Anggota.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l27 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
g.<span style="font: 7pt "Times New Roman";">
</span>Menerima imbalan jasa sesuai keputusan Rapat Anggota<span lang="EN-US">.</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
31<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l48 level2 lfo26; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pengawas dapat meminta jasa audit kepada Akuntan Publik
yang biayanya ditanggung oleh Koperasi.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l48 level2 lfo26; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Biaya audit tersebut dimasukkan dalam anggaran Biaya
Koperasi.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
32</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l15 level2 lfo23; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pengawas dapat diberhentikan oleh Rapat Anggota sebelum
masa jabatan berakhir apabila terbukti :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l2 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>melakukan tindakan atau perbuatan yang merugikan
keuangan dan nama baik Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l2 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>tidak men<span lang="EN-US">t</span>aati <span lang="EN-US">u</span>ndang<span lang="EN-US">-u</span>ndang <span lang="EN-US">p</span>erkoperasian
beserta ketentuan pelaksanaannya, Anggaran Dasar, Angaran Rumah Tangga dan
keputusan Rapat Anggota.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l2 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Sikap maupun tindakannya menimbulkan pertentangan
didalam Koperasi yang akibatnya merugikan Koperasi khususnya dan gerakan
koperasi umumnya;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l2 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Melakukan dan terlibat dalam tindak pidana yang telah
diputus oleh Pengadilan.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l15 level2 lfo23; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal salah seorang anggota Pengawas berhenti
sebelum masa jabatan berakhir, Rapat Pengawas dengan dihadiri wakil Pengurus
dapat mengangkat pengganti dengan cara :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l24 level1 lfo29; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>jabatan dan tugas tersebut dirangkap oleh anggota
Pengawas yang lain; atau</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l24 level1 lfo29; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>mengangkat dari kalangan anggota untuk menduduki
jabatan Pengawas tersebut.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l15 level2 lfo23; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Pengangkatan pengganti Pengawas sebagaimana tersebut
pada ayat (2) diatas, dilaporkan oleh Pengawas pada Rapat Anggota yang terdekat
setelah pergantian dimaksud untuk diminta pengesahan dan atau memilih,
mengangkat Pengawas lain.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
VIII<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
PENGELOLAAN
USAHA<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
33</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l24 level2 lfo29; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pengurus dapat secara langsung melakukan pengelolaan
kegiatan usaha Koperasi atau mendirikan <i style="mso-bidi-font-style: normal;">Strategic
Business Unit</i> yang dikelola secara otonom dan profesional;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l24 level2 lfo29; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Pengelolaan usaha Koperasi dapat dilakukan oleh
Direksi/ Manager dengan dibantu beberapa orang karyawan yang diangkat oleh
Pengurus melalui perjanjian atau kontrak kerja yang dibuat secara tertulis;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l24 level2 lfo29; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Pengangkatan seperti tersebut pada ayat (1) dan (2)
diatas setelah mendapat persetujuan dari Rapat Anggota.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l24 level2 lfo29; text-align: justify; text-indent: -19.5pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal pengelolaan usaha dilaksanakan oleh
Direksi/Manajer, Pengurus wajib menetapkan pedoman pelaksanaan, pengelolaan
usaha/Standar Operasional Prosedur yang disahkan oleh Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l24 level2 lfo29; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Persyaratan untuk diangkat menjadi Direksi/Manager
adalah :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l11 level1 lfo30; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>mempunyai keahlian di bidang usaha atau pernah mengikuti pelatihan dibidang usaha
koperasi atau magang dalam usaha Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l11 level1 lfo30; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>mempunyai pengetahuan dan wawasan dibidang usaha;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l11 level1 lfo30; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>tidak pernah melakukan tindakan tercela dibidang
keuangan dan atau dihukum karena terbukti melakukan tindak pidana dibidang
keuangan.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l11 level1 lfo30; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span><span lang="EN-US">m</span>emiliki
moral dan akhlak yang baik; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l11 level1 lfo30; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span><span lang="EN-US">ti</span>dak
<span lang="EN-US">sedang dalam</span><span lang="EN-US"> </span><span lang="EN-US">proses</span>
tindak pidana apapun. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l24 level2 lfo29; text-align: justify; text-indent: -18.0pt;">
(6)<span style="font: 7pt "Times New Roman";">
</span>Dalam melaksanakan tugasnya Direksi/Manager bertanggung
jawab kepada Pengurus. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
34</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Tugas dan kewajiban
Direksi/ Manager adalah :<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l11 level2 lfo30; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>melaksanakan kebijakan Pengurus dalam pengelolaan usaha
Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l11 level2 lfo30; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>mengendalikan dan mengkoordinir semua kegiatan Usaha
Koperasi yang dilaksanakan oleh para karyawan; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l11 level2 lfo30; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>melakukan pembagian tugas secara jelas dan tegas
mengenai bidang pelaksanaannya;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l11 level2 lfo30; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>mentaati segala ketentuan yang telah diatur dalam
Anggaran Dasar, Anggaran Rumah Tangga, keputusan Rapat Anggota, Kontrak Kerja
dan ketentuan lainnya yang berlaku pada Koperasi yang berkaitan dengan
pekerjaannya;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l11 level2 lfo30; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>menanggung kerugian usaha Koperasi akibat dari
kelalaian dan atau tindakan yang disengaja atas pelaksanaan tugas yang dilimpahkan.<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l11 level2 lfo30; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>Sebelum menandatangani kontrak kerja, D<span lang="EN-US">i</span>reksi/Manager harus
menyerahkan jaminan yang akan diatur lebih lanjut dalam Anggaran Rumah Tangga
atau peraturan khusus. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
35</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Hak dan wewenang
Direksi/Manager : </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l28 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>menerima penghasilan sesuai dengan perjanjian kerja
yang telah disepakati dan ditandatangani bersama oleh Pengurus dan
Direksi/Manager;<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l28 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>mengembangkan usaha dan kemampuan diri untuk
melaksanakan tugas yang dibebankan; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l28 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>membela diri atas segala tuntutan yang ditujukan kepada
dirinya;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l28 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>bertindak untuk dan atas nama Pengurus dalam
menjalankan usaha.<span lang="EN-US">-</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
36<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Ketentuan lebih
lanjut mengenai susunan, tugas, kewajiban, hak dan wewenang Direksi/ Manager
diatur dalam Anggaran Rumah Tangga, atau peraturan khusus dan kontrak kerja.<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
IX</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
P
E N A S E H A T</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
37</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l2 level2 lfo28; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Apabila diperlukan, Pengurus dapat mengangkat Penasehat
atas persetujuan Rapat Anggota; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l2 level2 lfo28; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Penasehat memberi saran/anjuran kepada Pengurus untuk
kemajuan Organisasi dan usaha Koperasi, baik diminta mupun tidak diminta; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l2 level2 lfo28; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Penasehat berhak menerima penghasilan/imbalan/jasa
sesuai dengan keputusan Rapat Anggota. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
X<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
PEMBUKUAN
KOPERASI</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
38<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l33 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Tahun Buku Koperasi adalah tanggal 1 Januari sampai
dengan 31 Desember, dan pada akhir bulan Desember tiap-tiap tahun pembukuan
koperasi ditutup;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l33 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Koperasi wajib menyelenggarakan pencatatan dan
pembukuan sesuai dengan prinsip akuntansi yang berlaku di Indonesia dan standar
akuntansi koperasi khususnya serta Standar Akuntansi Indonesia pada umumnya; <span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l33 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Dalam waktu paling lambat 3 (tiga) bulan setelah
pembukuan koperasi ditutup, maka pengurus wajib menyusun dan menyampaikan
laporan tahunan yang telah diaudit oleh Pengawas sesuai ketentuan peraturan
perundang-undangan yang berlaku dan ditandatangani oleh semua anggota Pengurus
untuk disampaikan kepada Rapat Anggota yang disertai hasil audit Pengawas; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l33 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Apabila diperlukan laporan tahunan Pengurus dapat
diaudit oleh Akuntan Publik atas permintaan Rapat Anggota, atau apabila
Koperasi tidak mengangkat Pengawas tetap, maka laporan tahunan Pengurus harus
diaudit oleh Akuntan Publik sebelum diajukan ke Rapat Anggota dan hasil audit
tersebut menjadi perbandingan Laporan Pertanggungjawaban Pengurus. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l33 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan, pengaturan lebih lanjut mengenai isi,
bentuk, susunan Laporan Pertanggungjawaban Pengurus dan pelaksanaan audit
diatur dalam Angaran Rumah Tangga atau peraturan khusus. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
XI<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
MODAL
KOPERASI<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
39<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l8 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Modal Koperasi terdiri dari :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l8 level3 lfo33; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Modal sendiri/ Ekuitas;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l8 level3 lfo33; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Modal Luar/ Pinjaman.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l8 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Modal dasar yang disetor pada saat pendirian Koperasi
sebesar Rp <span lang="EN-US">22</span>.<span lang="EN-US">91</span>0.000 (<span lang="EN-US">dua puluh dua</span> juta <span lang="EN-US">sembilan ratus</span><span lang="EN-US"> </span><span lang="EN-US">se</span>puluh ribu rupiah) berasal
dari <span lang="EN-US">s</span>impanan <span lang="EN-US">p</span>okok, simpanan wajib dan
modal penyertaan dari para anggota pendiri.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l8 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>modal sendiri berasal dari simpanan pokok, simpanan
wajib, modal penyertaan anggota pendiri, dana cadangan dan bantuan berbentuk
sumbangan, hibah dan lain-lain yang tidak mengikat; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l8 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Untuk memperbesar usahanya, koperasi dapat memperoleh
modal pinjaman yang tidak merugikan koperasi berupa pinjaman dari : </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l8 level3 lfo33; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>anggota;<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l8 level3 lfo33; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>koperasi lainnya dan atau anggotanya; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l8 level3 lfo33; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>Bank dan lembaga keuangan lainnya; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l8 level3 lfo33; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>Penerbitan obligasi dan surat hutang lainnya; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l8 level3 lfo33; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>Sumber lain yang sah dalam dan luar negeri. </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l8 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Koperasi dapat melakukan pemupukan modal yang berasal
dari modal penyertaan.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
40</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l36 level1 lfo34; text-align: justify; text-indent: -19.5pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Setiap anggota harus membayar simpanan pokok secara
tunai pada saat masuk menjadi anggota; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l36 level1 lfo34; text-align: justify; text-indent: -19.5pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Setiap anggota diwajibkan untuk membayar simpanan wajib
yang diperhitungkan sebagai modal sendiri yang besarnya ditetapkan dalam
Anggaran Rumah Tangga atau keputusan Rapat Anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l36 level1 lfo34; text-align: justify; text-indent: -19.5pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Simpanan pokok, simpanan wajib dan modal penyertaan
anggota pendiri yang disetor ke dalam modal dasar Koperasi tidak dapat diambil
selama yang bersangkutan masih menjadi anggota. </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
41<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l6 level1 lfo35; text-align: justify; text-indent: -20.25pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Untuk meningkatkan pendapatan, Koperasi dapat
menginvestasikan modal pada Koperasi lain, dan atau perusahaan lain dalam
bentuk saham, obligasi, penyertaan dan harus mendapat persetujuan Rapat
Anggota; <span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l6 level1 lfo35; text-align: justify; text-indent: -20.25pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan dan pengaturan selanjutnya ditetapkan dalam
Anggaran Rumah Tangga atau peraturan khsus<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
XII</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
SISA
HASIL USAHA<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
42<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l40 level1 lfo36; text-align: justify; text-indent: -18.75pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Sisa Hasil Usaha (SHU) merupakan pendapatan Koperasi
yang diperoleh dalam satu tahun buku dikurangi dengan biaya yang dapat
dipertanggungjawabkan, penyusutan, dan kewajiban lainnya termasuk Pajak dan
Zakat yang harus dibayarkan dalam tahun buku yang bersangkutan.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level1 lfo36; text-align: justify; text-indent: -18.75pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Sisa Hasil Usaha (SHU) diperoleh dari :<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: 45.0pt; text-align: justify; text-indent: -18.75pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>pendapatan yang diperoleh dari usaha yang
diselenggarakan untuk anggota koperasi; </div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: 45.0pt; text-align: justify; text-indent: -18.75pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>pendapatan yang diperoleh dari usaha yang
diselenggarakan untuk bukan anggota koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; text-align: justify; text-indent: -18.75pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>pendapatan yang diperoleh dari non operasional.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level1 lfo36; tab-stops: list 27.0pt; text-align: justify; text-indent: -18.75pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Bagian dari Sisa Hasil Usaha (SHU) Koperasi yang
diperoleh dari usaha yang diselenggarakan untuk anggota dibagi sebagai berikut
:</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: 0cm;">
a.<span style="font: 7pt "Times New Roman";">
</span>cadangan;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>untuk anggota menurut perbandingan jasanya dalam usaha
koperasi untuk memperoleh pendapatan;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: 0cm;">
c.<span style="font: 7pt "Times New Roman";">
</span>untuk anggota menurut perbandingan jasa modalnya;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: 0cm;">
d.<span style="font: 7pt "Times New Roman";">
</span>untuk dana Pengurus dan Pengawas;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: 0cm;">
e.<span style="font: 7pt "Times New Roman";">
</span>untuk kesejahteraan Direksi / Manager dan karyawan .</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: 0cm;">
f.<span style="font: 7pt "Times New Roman";">
</span>Untuk dana pendidikan Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: 0cm;">
g.<span style="font: 7pt "Times New Roman";">
</span>Untuk dana sosial.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: 0cm;">
h.<span style="font: 7pt "Times New Roman";">
</span>Dana Pembangunan Daerah Kerja<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level1 lfo36; tab-stops: list 27.0pt; text-align: justify; text-indent: -18.75pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Sisa Hasil Usaha (SHU) yang diperoleh dari Usaha yang
diselenggarakan untuk pihak bukan Anggota dibagi sebagai berikut :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt 72.0pt; text-align: justify; text-indent: -18.75pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>untuk cadangan;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt 72.0pt; text-align: justify; text-indent: -18.75pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>untuk anggota;<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt 72.0pt; text-align: justify; text-indent: -18.75pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>untuk dana Pengurus dan Pengawas;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt 72.0pt; text-align: justify; text-indent: -18.75pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>untuk dana Direksi / Manager dan karyawan<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt 72.0pt; text-align: justify; text-indent: -18.75pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>untuk dana pendidikan koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt 72.0pt; text-align: justify; text-indent: -18.75pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>untuk dana sosial.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: -18.75pt;">
g.<span style="font: 7pt "Times New Roman";">
</span>Dana Pembangunan Daerah Kerja<span lang="EN-US">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level1 lfo36; tab-stops: list 27.0pt; text-align: justify; text-indent: -18.75pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Sisa Hasil Usaha (SHU) yang diperoleh dari pendapatan
non operasional dibagi sebagai berikut :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: -18.75pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>untuk cadangan;<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: -18.75pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>untuk anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: -18.75pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>untuk Pengurus dan Pengawas;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: -18.75pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>untuk dana pendidikan Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 45.0pt; mso-list: l40 level2 lfo36; tab-stops: list 45.0pt; text-align: justify; text-indent: -18.75pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>untuk dana sosial.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level1 lfo36; tab-stops: list 27.0pt; text-align: justify; text-indent: -18.75pt;">
(6)<span style="font: 7pt "Times New Roman";">
</span>Penggunaan dana-dana Pendidikan, Dana Sosial dan dana
pembangunan daerah kerja diatur dalam Anggaran Rumah Tangga atau diputuskan
dalam Rapat Anggota.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 27.0pt; mso-list: l40 level1 lfo36; tab-stops: list 27.0pt; text-align: justify; text-indent: -18.75pt;">
(7)<span style="font: 7pt "Times New Roman";">
</span>Pembagian dan prosentase sebagaimana dimaksud ayat (3),
(4), dan ayat (5) ditentukan dalam Angaran Rumah Tangga atau diputuskan oleh
Rapat Anggota.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
43</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Bagian Sisa
Hasil Usaha (SHU) untuk anggota dapat diberikan secara langsung atau dimasukkan
dalam simpanan atau tabungan anggota yang bersangkutan sesuai dengan Keputusan
Rapat Anggota.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
44<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l29 level1 lfo37; text-align: justify; text-indent: -18.75pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Cadangan dipergunakan untuk pemupukan modal dan menutup
kerugian Koperasi sesuai dengan Keputusan Rapat Anggota;<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l29 level1 lfo37; text-align: justify; text-indent: -18.75pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Bagian dari cadangan Koperasi dapat dibagikan kepada
anggota dalam bentuk simpanan khusus, apabila jumlah cadangan telah mencapai
lebih dari ½ (satu perdua) bagian dari jumlah seluruh simpanan pokok, simpanan
wajib dan simpanan khusus anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l29 level1 lfo37; text-align: justify; text-indent: -18.75pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Rapat Anggota dapat memutuskan untuk mempergunakan
paling tinggi 3/4 (tiga per empat) bagian
atau 75% dari jumlah seluruh cadangan untuk perluasan usaha koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l29 level1 lfo37; text-align: justify; text-indent: -18.75pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Uang cadangan harus disimpan dalam bentuk tabungan pada
<b> Bank Syari’ah</b> yang ditunjuk oleh
Pengurus;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l29 level1 lfo37; text-align: justify; text-indent: -18.75pt;">
(5)<span style="font: 7pt "Times New Roman";">
</span>Anggota Koperasi yang berhenti dari keanggotaan
Koperasi secara sah dapat memperoleh bagian atas dana cadangan Koperasi
berdasarkan prosentase jumlah simpanan pokok dan simpanan wajib yang
dimilikinya pada Koperasi, yang ketentuannya diatur lebih lanjut dalam Angaran
Rumah Tangga atau peraturan khusus.<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
XIII</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
P
E M B U B A R A N</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
45</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l26 level1 lfo38; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Pembubaran Koperasi dapat dilaksanakan berdasarkan :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l26 level2 lfo38; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Keputusan Rapat Anggota; atau</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l26 level2 lfo38; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Keputusan Pemerintah.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l26 level1 lfo38; tab-stops: list 18.0pt; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Pembubaran oleh Rapat Anggota didasarkan pada :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l26 level2 lfo38; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>Atas permintaan sekurang-kurangnya ¾ (tiga perempat)
dari jumlah anggota;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l26 level2 lfo38; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>Koperasi tidak lagi melakukan kegiatan usaha.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
46</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l46 level1 lfo39; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Dalam hal Koperasi hendak dibubarkan oleh Rapat Anggota
maka Rapat Anggota membentuk Tim Penyelesai yang terdiri dari unsur anggota,
Pengurus, Pengawas dan pihak lain yang
dianggap perlu (Pembina) dan diberi kuasa untuk menyelesaikan pembubaran
dimaksud;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l46 level1 lfo39; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Penyelesai mempunyai hak dan kewajiban :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l46 level2 lfo39; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>melakukan perbuatan hukum untuk dan atas nama Koperasi
dalam penyelesaian;<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l46 level2 lfo39; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>mengumpulkan keterangan yang diperlukan;<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l46 level2 lfo39; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>memanggil Pengurus, anggota dan mantan anggota tertentu
yang diperlukan, baik sendiri-sendiri maupun bersama-sama.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l46 level2 lfo39; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>memperoleh, menggunakan dan memeriksa segala catatan
dan arsip Koperasi;<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l46 level2 lfo39; text-align: justify; text-indent: -18.0pt;">
e.<span style="font: 7pt "Times New Roman";">
</span>menggunakan sisa kekayaan Koperasi untuk menyelesaikan
kewajiban Koperasi baik kepada anggota maupun pihak ketiga;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l46 level2 lfo39; text-align: justify; text-indent: -18.0pt;">
f.<span style="font: 7pt "Times New Roman";">
</span>membuat berita acara penyelesaian dan menyampaikan
kepada Rapat Anggota.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l46 level1 lfo39; text-align: justify; text-indent: -18.0pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Pengurus koperasi menyampaikan keputusan pembubaran
koperasi oleh rapat anggota tersebut kepada Pejabat Koperasi sesuai dengan
ketentuan yang berlaku.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l46 level1 lfo39; text-align: justify; text-indent: -18.0pt;">
(4)<span style="font: 7pt "Times New Roman";">
</span>Pembayaran biaya penyelesaian didahulukan daripada
pembayaran kewajiban lainnya </div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
47<span lang="EN-US"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l23 level1 lfo40; text-align: justify; text-indent: -18.75pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Seluruh anggota wajib menanggung kerugian yang timbul
pada saat pembubaran Koperasi;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l23 level1 lfo40; text-align: justify; text-indent: -18.75pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Tanggungan anggota terbatas pada simpanan pokok,
simpanan wajib yang sudah dibayarkan;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l23 level1 lfo40; text-align: justify; text-indent: -18.75pt;">
(3)<span style="font: 7pt "Times New Roman";">
</span>Anggota yang telah keluar sebelum Koperasi dibubarkan
wajib menanggung kerugian, apabila kerugian tersebut terjadi selama anggota
yang bersangkutan masih menjadi anggota Koperasi dan apabila keluarnya sebagai
anggota belum melewati jangka waktu 6 (enam) bulan.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
XIV</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
S
A N K S I</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
48</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l21 level1 lfo41; text-align: justify; text-indent: -18.0pt;">
(1)<span style="font: 7pt "Times New Roman";">
</span>Apabila anggota, Pengurus atau Pengawas melanggar
ketentuan Anggaran Dasar/ Anggaran Rumah Tangga dan peraturan lainnya yang
berlaku di Koperasi dikenakan sanksi oleh Rapat Anggota berupa :</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l21 level2 lfo41; text-align: justify; text-indent: -18.0pt;">
a.<span style="font: 7pt "Times New Roman";">
</span>peringatan lisan;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l21 level2 lfo41; text-align: justify; text-indent: -18.0pt;">
b.<span style="font: 7pt "Times New Roman";">
</span>peringatan tertulis;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l21 level2 lfo41; text-align: justify; text-indent: -18.0pt;">
c.<span style="font: 7pt "Times New Roman";">
</span>dipecat dari keanggotaan atau jabatannya;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l21 level2 lfo41; text-align: justify; text-indent: -18.0pt;">
d.<span style="font: 7pt "Times New Roman";">
</span>diberhentikan bukan atas kemauan sendiri;</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 36.0pt; mso-list: l21 level2 lfo41; text-align: justify; text-indent: -18.0pt;">
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</span>diajukan ke Pengadilan.</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 18.0pt; mso-list: l21 level1 lfo41; text-align: justify; text-indent: -18.0pt;">
(2)<span style="font: 7pt "Times New Roman";">
</span>Ketentuan mengenai sanksi diatur lebih lanjut dalam
Anggaran Rumah Tangga atau Peraturan Khusus<span lang="EN-US">.</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
BAB
XV</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
JANGKA
WAKTU BERDIRINYA KOPERASI<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
49<span lang="EN-US"></span></div>
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Koperasi
ini didirikan dalam jangka waktu yang tidak
terbatas.</div>
<br />
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BAB
XVI</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
ANGGARAN RUMAH
TANGGA DAN PERATURAN KHUSUS</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
50</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Rapat Anggota
menetapkan Anggaran Rumah Tangga dan atau Peraturan Khusus, yang memuat
peraturan pelaksanaan berdasarkan ketentuan Anggaran Dasar Koperasi dan tidak
bertentangan dengan Anggaran Dasar ini.</div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
51<span lang="EN-US">-</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
Anggaran Dasar
ini ditetapkan oleh Rapat Anggota Pendirian Koperasi yang dilaksanakan di Masjid
Assalam, Jalan Layur IX/03, Minomartani, Ngaglik, Sleman pada hari Rabu tanggal
dua puluh tujuh bulan Januari
tahun dua ribu sepuluh (27-01-2010).<span lang="EN-US">-</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
PENUTUP<span lang="EN-US"></span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
Pasal
52<span lang="EN-US"></span></div>
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Terhitung mulai tanggal </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt;">dua
puluh</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">tujuh bulan Januari tahun
dua ribu sepuluh (27-01-2010).untuk pertama kalinya </span>Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-770447045140449812012-04-04T23:22:00.000-07:002012-04-04T23:22:28.982-07:00SOM KSU SYARI'AH ASSALAM<div dir="ltr" style="text-align: left;" trbidi="on">
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<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">STANDAR
OPERASIONAL MANAJEMEN (SOM)</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KOPERASI
SERBA USAHA <span style="mso-spacerun: yes;"> </span>SYARI’AH ASSALAM</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">MINOMARTANI,
NGAGLIK, SLEMAN</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">A. Manajemen Umum</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sebagai soko guru
perekonomian, Koperasi Serba Usaha Syari’ah Assalam memungkinkan untuk
berkembang secara ekonomis, mampu memberikan pelayanan secara terus menerus dan
meningkat kepara anggotanya serta masyarakat sekitarnya, juga dapat memberikan sumbangan
yang mendasar kepada pembangunan dan pertumbuhan ekonomi Indonesia.
kekeluargaan. Kemakmuran masyarakat sangat diutamakan bukan kemakmuran orang
perseorang dan bentuk usaha seperti itu yang tepat untuk umat Islam adalah
Koperasi Syari’ah. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi
Serba Usaha Syari’ah Assalam memiliki basis kegiatan ekonomi rakyat dengan
falsafah yang sama yaitu dari anggota oleh anggota untuk anggota; maka
berdasarkan Undang-undang RI Nomor 25 tahun 1992 tersebut berhak menggunakan
badan hukum koperasi, dimana letak perbedaannya dengan Koperasi Konvensional
(nonsyariah) hanya terletak pada teknis operasionalnya saja, Koperasi Serba
Usaha Syari’ah Assalam mengharamkan bunga dan mengusung etika moral dengan
melihat kaidah halal dan haram dalam melakukan usahanya. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi Serba Usaha Syari’ah Assalam
adalah usaha ekonomi yang terorganisir secara mantap, demokratis, otonom
partisipatif, dan berwatak sosial yang operasionalnya menggunakan
prinsip-prinsip yang mengusung etika moral dan berusaha dengan memperhatikan
halal atau haramya sebuah usaha yang dijalankan sebagaimana diajarkan dalam
Agama Islam. Lembaga ini adalah wadah kemitraan, kerjasama, kekeluargaan, dan
kebersamaan usaha yang sehat, baik, dan halal. </span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Strategi Sasaran</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi dan Sasaran Koperasi Serba
Usaha Syari’ah Assalam dituangkan dalam Rencana Kerja dan Anggaran Tahunan
Koperasi Syari’ah (RKATKS) sebagai acuan Manager dalam melakukan kegiatan
operasional Koperasi Serba Usaha Syari’ah Assalam. RKATKS dibuat oleh Pengelola
dan Pengurus pada periode akhir tahun, sehingga awal tahun sudah dapat
digunakan sebaga acuan Operasional. RKATKS sekurang-kurangnya memuat antara
lain :</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">a)
Pendahuluan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengurus Koperasi Serba
Usaha Syari’ah Assalam bersama Dewan Pengawas Syari’ah mendedikasikan lembaga
ini bukan semata-mata untuk mencari keuntungan pribadi, akan tetapi kami semua
yang mendirikan, mengurus dan mengelola koperasi ini insya Allah, semata-mata
untuk suatu:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Visi, Misi dan Tata
Nilai</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Visi
Koperasi Serba Usaha Syari’ah Assalam mencerminkan semangat usaha bersama dengan
berpedoman pada Al Qur’an dan Sunah Rasulullah SAW.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Meningkatkan
kesejahteraan dan taraf hidup anggota pada khususnya dan masyarakat pada
umumnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menjadi
gerakan ekonomi rakyat serta ikut membangun tatanan perekonomian nasional.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Misi
Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>merupakan penjabaran dari visi yang diembannya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Terwujudnya
sumber daya insan yang professional dan sepenuhnya mengerti muamalah secara
syari’ah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menerapkan
prinsip-prinsip ekonomi syari’ah dan etika bisnis untuk mencapai keuntungan
yang <span style="mso-spacerun: yes;"> </span>berkesinambungan dan memberi nilai
lebih bagi anggota</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Mendorong
tumbuhnya kewirausahaan dengan membangun mediasi yang berkesinambungan antara
shahibul maal dan mitra usaha</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tata
Nilai Koperasi Serba Usaha Syari’ah Assalam merupakan karakter kerja yang menjadi
budaya dalam menjalankan operasionalnya .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>“Menjadi lembaga keuangan syari’ah yang
terpercaya dan terbaik dalam mewujudkan kemandirian dan pemberdayaan ekonomi
umat”.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Arah Pengembangan
Koperasi Serba Usaha Syari’ah Assalam </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengurus harus dapat memprediksikan
pengembangan Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>ke depan dengan jangka panjang 5 tahun
mendatang.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3) Analisa dan Potensi
Pasar</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dalam mengembangkan Koperasi Serba
Usaha Syari’ah Assalam , Pengurus maupun pengelola harus mengumpulkan data-data
potensi usaha yang kemungkinan dapat dikembangkan.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">b)
Rencana Strategis Tahunan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Segmen Pasar yang
dibidik.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Segmen pasar yang paling baik dibidik
Koperasi Serba Usaha Syari’ah Assalam adalah “<i>Ceruk Pasar</i>” usaha
individu maupun lembaga masyarakat, dimana segmen ini tidak menjadi daya tarik
bagi industri perbankan. Kompetiter yang ada terdiri dari para rentenir ataupun
koperasi lainnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Target Pasar yang
diharapkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dari segmen pasar yang dibidik, di
buat proyeksi dengan asumsi nominal rupiah yang diinginkan setiap transaksi
penghimpunan maupun penyaluran.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3) Nilai Jual Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>memiliki nilai jual : Serba Mudah, Serba Murah
dan Serba Ada serta pelayanan prima kepada anggota dan masyarakat. Koperasi Serba
Usaha Syari’ah <span style="mso-spacerun: yes;"> </span>Assalam <span style="mso-spacerun: yes;"> </span>juga<span style="mso-spacerun: yes;">
</span>memiliki penampilan kantor pusat yang layak dan suasana yang nyaman
dengan nuansa Islami di salah satu unit berlokasi pada kawasan Masjid Assalam
Minomartani, Ngaglik, Sleman.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4) Formulasi Program</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Formulasi program disesuaikan dengan
segmen pasar dari Koperasi Serba Usaha Syari’ah Assalam .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dalam mengekspresikan programnya
dibuat secara sederhana dan dapat dimengerti dengan mudah oleh anggotanya.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">c)
Sasaran, Strategi, Kebijakan dan Program Kerja</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">1)
Unit Jasa Keuangan Syari’ah</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Marketing</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terhimpunnya
dana pihak ke tiga dan menyalurkannya guna mendapat keuntungan sesuai target</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Strategi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat leaflet
/brosur dan feature produk simpanan dan produk pembiayaan serta memberikan
hadiah menarik bagi penyimpan dana di Koperasi Serba Usaha Syari’ah Assalam .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menghimpun dana
dari anggota maupun non anggota ataupun lembaga lainnya dan mengelolanya dalam
bentuk pembiayaan yang menguntungkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Program Kerja</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menawarkan
produk dan jasa kepada anggota, non anggota maupun lembaga lainnya.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l24 level1 lfo6; text-align: justify; text-autospace: none; text-indent: -21.3pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Operasi
Kerja Koperasi<span style="mso-spacerun: yes;"> </span>Serba Usaha Syari’ah
Assalam.</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terciptanya
kelancaran transaksi keuangan Koperasi Serba Usaha Syari’ah Assalam dengan tertib,
rapih dan nyaman. Serta dapat menyajikan laporan keuangan yang <i>real time</i>.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menggunakan
teori antrian dan menambah petugas sesuai kebutuhan dan melengkapi dengan <i>software
</i>komputer.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menciptakan
kepuasan pelayanan terhadap anggota dan masyarakat di Koperasi Serba Usaha Syari’ah
Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Program
Kerja</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Melayani
transaksi uang masuk dan uang keluar serta mebukukannya setiap hari hingga
menjadi laporan yang dapat disajikan setiap saat.</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">2)
Unit Sektor Riil</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bidang
Perdagangan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Tercapainya
penjualan barang-barang dagangan serta mendapat keuntungan sesuai target.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat <i>leaflet</i>,
brosur-brosur dagangan dan memberikan <i>Featurefeature </i>hadiah menarik bagi
mereka yang berbelanja di Koperasi Serba Usaha Syari’ah Assalam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level2 lfo7; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mengklasifikasikan
barang-barang berdasarkan jenis dan ukurannya serta menjaga kondisi barang agar
tetap terjual.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Program Kerja</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menawarkan
barang-barang yang dijual kepada anggota, non anggota maupun masyarakat
lainnya.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -7.1pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 2.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo9; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bidang
Jasa</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Sasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terlaksananya
usaha dibidang jasa sesuai dengan rencana pencapaian target yang telah
dirumuskan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat <i>leaflet
</i>/brosur dan <i>feature-feature </i>produk jasa yang ditawarkan Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l34 level1 lfo10; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Memilih potensi
usaha unggulan dibidang jasa dengan melihat peluang dan SDM yang ada.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l34 level1 lfo10; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Program
Kerja</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menawarkan
produk jasa Koperasi Serba Usaha Syari’ah Assalam kepada anggota, non anggota
maupun lembaga lainnya secara terus menerus.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 2.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l32 level1 lfo11; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bidang
Industri/ Produksi</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terlaksananya
produksi suatu barang yang dihasilkan sesuai dengan rencana pencapaian target
yang telah dirumuskan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat model
dan <i>feature-feature </i>produk barang komoditi yang dihasilkan Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Kebijakan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Memilih potensi
produk dengan melihat peluang pasar, sumber bahan baku, penyimpanan dan
distribusi dan pengelolaan SDM trampil di bidangnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Program
Kerja</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menghasilkan
produk barang kebutuhan, penetrasi pasar, memperbaiki kemasan sesuai tren,
pemantauan pesaing melakukan strategi marketing mix. secara terus menerus.</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">d)
Menyusun Proyeksi Keuangan Tahunan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Proyeksi Neraca
Konsolidasi dari UJKS dan Sektor Riil.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menyusun proyeksi Aktiva dan Pasiva
konsolidasi dari bulan Januari sampai dengan bulan Desember tahun yang
bersangkutan yakni dengan menggabungkan proyeksi Aktiva dan Pasiva dari
masing-masing unit.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Proyeksi Laba Rugi
Konsolidasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menyusun proyeksi pendapatan dan
biaya-biaya konsolidasi dari bulan Januari sampai dengan Desember dari
masing-masing unit</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3) Proyeksi Arus Kas
Konsolidasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menyusun Proyeksi Kenaikan dan
Penururnan aktifitas Operasi dan Non Operasi dari bulan Januari sampai dengan
Bulan Desember dari masing-masing unit.</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penerapan Sistem pada
UJKS</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Mekanisme Pemberian
Pembiayaan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mekanisme pemberian pembiayaan dengan
memperhatikan Legal, Lending, Limit serta menganut prinsip kehati-hatian dengan
memperhatikan <b style="mso-bidi-font-weight: normal;">6 C</b> yaitu </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">C<i>arakter
</i>(Karakter nasabah), </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Condition
of economic </span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(kondisi
usaha), </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Capacity
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Kemampuan
Manajerial), </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Capital
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Modal),</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Collateral
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Jaminan),
</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Constrain
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Keadaan yang
menghambat).</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) <span style="mso-spacerun: yes;"> </span>Pencatatan transaksi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Transaksi uang masuk dan keluar
dicatat secara teratur dan sistematis dimulai dari pencatatan bukti transaksi,
buku besar, jurnal sampai menjadi laporan keuangan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengamanan dokumen
penting.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dokumen dikelompokan berdasarkan
jenisnya tersendiri dan disimpan pada lemari arsip dengan menggunakan kode
tertentu yang dapat memudahkan kita untuk mencarinya. Dokumen jaminan disimpan
pada lemari Besi tahan api guna melindungi dari kemungkinan kebakaran ataupun pencurian.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Pengawasan Pelaksanaan
Kegiatan Operasional</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kegiatan Operasional harus melibatkan
Dewan Pengawas Syari’ah setiap kali ada transaksi yang dilakukan pengelola guna
menhindari adanya unsur <i>Gharar </i>(ketidak pastian) ataupun tidak sesuai
dengan akad syari’ah.</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penerapan Sistem pada
Unit Sektor Riil</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Mekanisme investasi pada
Perdagangan, Jasa dan Produksi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mekanisme investasi pada Perdagangan,
Jasa dan Produksi, lebih ditekankan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">pada aspek peluang yang ada di
lingkungan terdekat kantor Koperasi Serba Usaha Syari’ah Assalam di
Minomartani, Kecamatan Ngaglik, Kabupaten Sleman.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Jangan melakukan investasi usaha
sektor riil jika belum melihat potensi peluang maupun kesiapan SDM pengelola.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pencatatan transaksi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Transaksi uang masuk dan keluar
dicatat secara teratur dan sistematis dimulai dari pencatatan bukti transaksi
yang terdiri dari faktur, buku besar, jurnal sampai menjadi laporan keuangan
harian dan bulanan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengamanan dokumen
penting.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dokumen dikelompokan berdasarkan
jenisnya tersendiri dan disimpan pada lemari arsip dengan menggunakan kode <span style="mso-spacerun: yes;"> </span>tertentu yang dapat memudahkan kita untuk
mencarinya. Dokumen jaminan disimpan pada Brankas Besi tahan api guna
melindungi dari kemungkinan kebakaran ataupun pencurian.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Pengawasan Pelaksanaan
Kegiatan Operasional</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kegiatan Operasional harus melibatkan
Dewan Pengawas Syari’ah <span style="mso-spacerun: yes;"> </span>setiap kali</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">ada transaksi yang dilakukan pengelola
guna menhindari adanya unsur <i>Gharar</i></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(ketidak pastian) ataupun tidak sesuai
dengan akad Syari’ah .</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Kepengurusan dan
Pengelolaan Koperasi Serba Usaha Syari’ah Assalam.</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Pengambilan Keputusan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengambilan keputusan dibuat mekanisme
dan aturan dengan pendelegasian wewenang dan tanggung jawab kepada Pengurus dan
Pengelola Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Penanganan Permasalahan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Penanganan Permasalahan dapat
dilakukan baik di tingkat pengelola maupun ditingkat Pengurus, tergantung
tingkat permasalahan yang ada</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Tertib Dan Disiplin
Kerja</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Guna menciptakan ketertiban dan
disiplin kerja karyawan perlu diciptakan <i>Reward and Punisment </i>dalam
bentuk penghargaan maupun teguran hingga pemecatan.</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">B. Manajemen Resiko
Koperasi Serba Usaha Syari’ah Assalam. </span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko manajemen Koperasi Serba Usaha Syari’ah
Assalam pada Unit Jasa Keuangan Syari’ah <span style="mso-spacerun: yes;"> </span>(UJKS) memiliki 5 macam tingkat resiko yang
terdiri atas :</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Resiko Likuiditas</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Kelancaran Pengembalian
Investasi harus tetap di jaga guna memperkecil resiko likuiditas Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pemeliharaan Likuiditas
dapat dilakukan dengan menghitung </span></div>
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<span style="mso-ignore: vglayout;">
</span></div>
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<tbody>
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<td width="433"><br /></td>
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<td bgcolor="white" height="68" style="background: white; border: .75pt solid black; vertical-align: top;" width="433"><span style="left: 0pt; mso-ignore: vglayout; position: absolute; z-index: 12;">
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<tbody>
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<td>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Cash Rasio (CR)<span style="mso-spacerun: yes;"> </span>:<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><u>Kas
dan setara kas </u></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;">
</span>Hutang Lancar</span></div>
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<br /></div>
</div>
</td>
</tr>
</tbody></table>
</span> </td>
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<td height="8"><br /></td>
</tr>
<tr>
<td height="70"><br /></td>
<td bgcolor="white" height="70" style="background: white; border: .75pt solid black; vertical-align: top;" width="433"><span style="left: 0pt; mso-ignore: vglayout; position: absolute; z-index: 13;">
<table cellpadding="0" cellspacing="0">
<tbody>
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<td>
<div class="shape" style="padding: 4.35pt 7.95pt 4.35pt 7.95pt;">
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2)
Financing Debt Ratio (FDR) : <span style="mso-spacerun: yes;"> </span><u>Total
Pembiayaan</u> </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;">
</span>Penghimpunan dana</span></div>
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<br /></div>
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</td>
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</span> </td>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"> </span>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Resiko Pembiayaan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Dalam memberikan
Pembiayaan perlu ditekankan analisa pembiayaan yang cermat dengan memperlakukan
prinsip kehati-hatian</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pemantauan Kepatuhan
anggota pembiayaan harus senantiasa dapat dikontrol melalui Kartu Pembiayaan
setiap bulannya oleh bagian pembiayaan maupun manager Koperasi Serba Usaha Syari’ah
Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengikatan Agunan
dilakukan secara nota riel setelah diadakan taksasi agunan dengan melihat NJOP
bagi anggota pembiayaan yang menyerahkan jaminan dalam bentuk SHM (Sertifikat
Hak Milik) atau harga pasaran bagi BPKB kendaraan mobil maupun motor setelah
dibuktikan kebenarannya nomor mesin dengan BPKB nya.</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Resiko Operasional</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Pembentukan Cadangan
Penyisihan Penghapusan Aktiva (CPPA) harus dibentuk oleh manajemen Koperasi Serba
Usaha Syari’ah Assalam yakni sebesar 0,5 % bagi setiap pembiayaan lancar, 10 %
bagi pembiayaan yang kurang lancar, 50 % bagi pembiayaan yang diragukan tingkat
pengembaliannya dan 100 % bagi pembiayan dengan katagori macet.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Setiap kali dewan
pengawas menemukan transaksi yang tidak sesuai dengan Rencana Kerja yang dibuat
pengurus Koperasi Serba Usaha Syari’ah Assalam ataupun terjadi penyimpangan
dalam operasional oleh manajemen, maka harus segera melaporkan pada Pengurus
untuk segera mengadakan perbaikan maupun pembenahan.</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Resiko Hukum.</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Setiap Akad- Perjanjian
sedapat mungkin dibuat berdasarkan nota riel, dan menyebutkan dalam klausul
akad tersebut “apabila terjadi permasalahan di kemudian hari, maka kedua belah
pihak sepakat akan diselesaikan oleh <i>BASYARNAS </i>(BadanSyari’ah <span style="mso-spacerun: yes;"> </span>Arbitrase Nasional)” atau Pengadilan Agama setempat.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Penyelesaian Pembiayaan
Bermasalah (Remedial)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi Serba Usaha Syari’ah Assalam
melayani anggotanya dari berbagai lapisan masyarakat sangat rentan terhadap
pembiayaan bermasalah. Untuk itu perlu mengambil langkah tertentu dalam
penyelesaian pembiayaan bermasalah terebut dalam bentuk prefentif yaitu dengan
melakukan perubahan melalui <i>Restructuring </i>(Penataan Kembali), <i>Rescheduling
</i>(penjadwalan Kembali), dan <i>Reconditioning </i>(Persyaratan kembali).
Secara detail penyelesaian pembiayaan bermasalah dijelaskan pada Sistem Operasi
dan Prosedur Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Resiko Kepengurusan dan
Pengelolaan.</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) <span style="mso-spacerun: yes;"> </span>Pengurus dan Pengelola Koperasi Serba Usaha
Syari’ah Assalam tidak boleh mencampuri usaha koperasi dengan kepentingan usaha
pribadi, saudara dan keluarganya. Usaha Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>harus dilakukan secara independent tanpa
dicampuri urusan pribadi pengurus maupun pengelola.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pengurus dan Pengelola
harus memiliki kemampuan peningkatan permodalan Koperasi Serba Usaha Syari’ah
Assalam, jika tidak maka usahanya tidak akan berkembang</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Dalam menjalankan
Operasional Koperasi Serba Usaha <span style="mso-spacerun: yes;"> </span>Syari’ah
Assalam, penanggung jawab bidang pembiayaan tidak boleh melakukan hal-hal yang
cenderung menguntungkan pribadinya seperti meminta atau menerima suatu
pemberian sesuatu baik uang tips maupun dalam bentuk barang dari anggota yang
terlibat dalam pembiayaan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Dewan pengawas harus
benar-benar melakukan fungsi pengawasan secara kontinyu ataupun berkala, guna
menghindari resiko penyimpangan yang kemungkinan terjadi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sementara itu, resiko terbesar yang
mungkin terjadi pada unit sektor riil untuk jenis perdagangan umum dan Industri
adalah ;</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Fluktuasi harga yang
dapat berubah setiap saat</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Masalah gudang dan
Penyimpanan barang</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengadaan bahan baku dan
pasar</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Aksesibilitas kendaraan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">e) Kondisi makro ekonomi
negara dan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">f) Stabilitas politik yang
tidak kondusip</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sedangkan bagi unit sektor
riil untuk jenis jasa resiko tertinggi lebih banyak bertumpu pada :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Reputasi lembaga dan
pengeloala</span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Service Customer</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Komunikasi</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">C. Manajemen Pemasaran</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pemasaran merupakan ujung tombak dari sebuah
usaha, oleh karenanya komponen pemasaran Koperasi Serba Usaha Syari’ah Assalam
mempunyai kriteria:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.Analisa Pasar
(Sasaran Pasar, Pesaing, harga dan kemasan produk)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2.Strategi
Pemasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3.Periklanan
yang berkaitan dengan produk Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4.Humas sebagai
sarana sosialisasi produk</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5.Anggota dan
calon anggota atau masyarakat lain.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Definisi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">"Pemasaran adalah sistem
keseluruhan dari kegiatan usaha Koperasi Serba Usaha Syari’ah Assalam yang ditujukan
untuk memperkenalkan produk yang ditawarkan, menentukan tingkat <i>margin</i>,
bagi hasil dan <i>fee</i>, mempromosikan, dan mendistribusikan aktiva secara produktif
yang dapat memberikan keuntungan maksimal baik kepada <i>stake holder </i>maupun
<i>share holder </i>potensial."</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dari definisi tersebut dapat diketahui
bahwasanya proses pemasaran Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>dimulai sebelum terjadinya akad pembiayaan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Keputusan
pemasaran dibuat untuk :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Memperkenalkan Produk dan jasa Koperasi Serba
Usaha Syari’ah Assalam yang ditawarkan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Menentukan anggota, calon anggota dan
masyarakat yang akan dibidik.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Menentukan tingkat margin, bagi hasil dan fee
sebagai Agen.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Memberikan kepuasan pada anggota maupun
masyarakat luas.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Konsep Pemasaran
Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">"Konsep Pemasaran dalam Koperasi Serba
Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>merupakan
falsafah usaha yang menyatakan bahwa banyaknya transaksi yang terjadi adalah
syarat utama bagi kelangsungan sebuah Koperasi Syari’ah . Untuk itu pemasaran
ini diarahkan untuk mengetahui kebutuhan anggota, calon anggota dan masyarakat
sebagai pengguna Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>dan
memenuhi kebutuhan tersebut sehingga akan menghasilkan laba usaha.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Langkah <span style="mso-spacerun: yes;"> </span>yang harus ditempuh antara lain dengan cara :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Menciptakan Manfaat</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengertian dasar dalam menciptakan
nilai ekonomi adalah yang memilih Skim yang tepat dalam mendanai usaha anggota
maupun masyarakat dengan tingkat margin, bagi hasil dan fee agen yang
kompetitif dan <i>Tren </i>usaha, manfaat waktu, manfaat tempat, manfaat
kepemilikan (kejelasan status), manfaat informasi :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pemilihan
skim pembiayaan usaha dalam hal ini adalah dengan melakukan inovasi berbagai
jenis produk dan transaksi keuangan yang sering terjadi di masyarakat luas
dengan kemudahan fasilitas dan margin, bagi hasil dan <i>fee </i>agen yang
kompetitip..</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tren
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Usaha,
yaitu kondisi dimana kecenderungan masyarakat dalam melakukan usahanya
berdasarkan permintaan pasar seperti terjadi pada bulan Romadhon, Idul Adha,
Tahun Baru dan sebagainya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Manfaat <span style="mso-spacerun: yes;"> </span>Waktu, adalah waktu transaksi yang dapat diciptakan
secara fleksibel dengan menyediakan pelayanan prima pada saat anggota, calon anggota
dan masyarakat membutuhkannya. Langkah ini harus didahului melalui riset
pemasaran dengan mencari tahu kebutuhan anggaran usaha yang dibutuhkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Manfaat
Tempat dapat diciptakan dengan penyediaan <i>counter-counter </i>bayangan
seperti pelayanan keliling yang strategis, sedapat mungkin memiliki lokasi yang
dekat dengan Masjid Assalam Minomartani, atau di masjid-masjid dalam naungan
YASKARIM di minomartani, karena masjid ataupun tempat usaha merupakan simpul
masyarakat ataupun mudah dari sisi transportasi dengan penampilan dari karyawan
yang baik, ramah dan sopan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Manfaat
kepemilikan. Manfaat bukti kepemilikan diciptakan dengan mempersiapkan
pemindahan hak kepemilikan dari Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>kepada anggota, calon anggota dan masyarakat
atau dengan <i>stake holder </i>lainnya berdasarkan prinsip jual beli, bagi
hasil dan jasa yang dilengkapi surat transaksi. (Surat Jalan, Faktur, Delivery
Order dll). \</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l11 level1 lfo13; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Manfaat
Informasi. Manfaat Informasi dapat diciptakan dengan cara memberikan informasi mengenai
penawaran produk yang dihasilkan Koperasi Serba Usaha Syari’ah Assalam kepada
anggota, calon anggota dan masyarakat, sehingga konsumen akan lebih memahami
tentang produk yang ditawarkannya. Sarana informasi ini dapat menggunakan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Brosur,
Leaflet, Surat Penawaran</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l4 level1 lfo14; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Media
<i>On Line </i>di Internet</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l4 level1 lfo14; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sumber
informasi pemerintahan dan swasta.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Pendekatan Komplementer Pendekatan
Komplementer adalah pendekatan serba sistem yang mencakup kumpulan
simpul-simpul masyarakat yang melakukan tugas pemasaran, barang, jasa, ide dan
faktor-faktor lingkungan yang saling memberikan pengaruh, dan membentuk serta
mempengaruhi hubungan Koperasi Serba Usaha Syari’ah Assalam dengan anggota,
calon anggota ataupun masyarakatnya. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan
Produk Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Merupakan suatu pendekatan pada
pemasaran yang melibatkan bagaimana sebuah produk Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>yang dihasilkan dapat diterima dan dibutuhkan
anggota, calon anggota dan masyarakat pengguna. Proses dan organisasi yang
digunakan disini dibuat untuk masing-masing produk yang ditawarkan dan
dihasilkan baik produk Unit sektor Riil maupun Unit Jasa Keuangan Syari’ah. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mengingat pemasaran membutuhkan desain
produksi, maka Produk Koperasi Serba Usaha Syari’ah Assalam yang dihasilkan
sebaiknya didesain sedemikian rupa agar menarik peminat contohnya pada UJKS
seperti produk tabungan berjangka dinamakan : TASAKA (Tabungan Saleh Artha
Berjangka) atau untuk tabungan <i>wadi’ah </i>dinamakan <i>TAWADHU </i>(Tabungan
Wadhi’ah Umat) persis seperti sifat orang mu’min yang rendah hati. Kata-kata
yang dikenal masyarakat merupakan daya tarik tersendiri bagi masyarakat untuk
lebih mengetahuinya jasa Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>yang ditawarkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan
Lembaga</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan melalui lembaga-yang
terlibat dalam kegiatan pemasaran akan menciptakan mekanisme pasar yang sehat
dan sesuai dengan kebutuhan masing-masing lembaga. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Lembaga yang terlibat antara lain :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penyedia kebutuhan
anggota, calon anggota dan masyarakat, dalam hal ini seperti Dealer
mobil/motor/ toko-toko elektronik</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Suplier terhadap produk
yang ditawarkan. Pengurus Koperasi Serba Usaha Syari’ah Assalam<span style="mso-spacerun: yes;"> </span>hendaknya melihat tren yang ada pada
masyarakat maupun kebijakan moneter pemerintah serta situasi politik yang ada.
Pada tingkat ini produk Koperasi Serba Usaha Syari’ah Assalam dipesan dan harus
didesain menurut kebutuhan dan permintaan masyarakat luas.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Perantara dagang, dalam
hal ini Koperasi Serba Usaha Syari’ah Assalam memberikan referensi produk
unggulan yang dihasilkan baik jenis industry rumah tangga, jasa, kerjasama atau
sebagai agen. Untuk selanjutnya dapat langsung menjualnya kepada anggota maupun
masyarakat. Bila Koperasi Serba Usaha Syari’ah Assalam sebagai perantara Agen,
dapat bertindak selaku perantara kepada konsumen akhir. ataupun sebagai pusat
informasi pasar.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Pendekatan Serba Fungsi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan ini tergantung pada produk
yang ada dan kebiasaan dalam Jual Beli (<i>Al Bai</i>), Jasa (<i>Ijaroh</i>)
dan kerjasama usaha (<i>Mudharabah </i>atau <i>Musyarakah</i>). Dengan
memperhatikan fungsi pokok pemasaran antara lain :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Kemampuan menjual</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Penjualan merupakan fungsi terpenting dalam
pemasaran, karena menjadi tulang punggung Koperasi Serba Usaha Syari’ah Assalam.
Untuk itu perlu berbagai macam cara untuk memajukan penjualan produk dan jasa Koperasi
Serba Usaha Syari’ah Assalam. Akan tetapi perlu juga memperhatikan rambu-rambu
syari’ah sebagaimana hadits yang diiriwayatkan dari Hakim bin Hizam bahwa
Rasulullah Saw bersabda<i>:</i></span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>“Dua orang yang melakukan transaksi jual beli
berdasarkan pilihan selama keduanya belum berpisah. Bila keduanya benar
melakukan transaksi dan membuat jelas segala sesuatu, maka keduanya mendapat
berkah dari transaksi keduanya. Bila keduanya bohong dan menyembunyikan sesuatu,
maka keberkatan keduanya dihapuskan ”</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Desain Produk dengan
berbagai featur seperti hadiah payung, pulpen, bola dan sebagainya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Produk harus didesain menarik dengan
memberikan prototipe yang dapat diperlihatkan kepada anggota, calon anggota dan
masyarakat pengguna jasa Koperasi Serba Usaha Syari’ah Assalam, sehingga dapat menarik
perhatian.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penentuan Harga Jual</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi harga sangat dibutuhkan
sesuai dengan lingkungan persaingan dan segmen pasar. Strategi yang paling umum
adalah menggunakan "<i>Cost-Plus Pricing Method</i>" yaitu penentuan
harga jual dihitung berdasarkan total biaya dengan rumus: </span></div>
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<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="15" width="67"><br /></td>
</tr>
<tr>
<td><br /></td>
<td bgcolor="white" height="54" style="background: white; border: .75pt solid black; vertical-align: top;" width="357"><span style="left: 0pt; mso-ignore: vglayout; position: absolute; z-index: 1;">
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<tr>
<td>
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<div class="MsoNormal">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Total
Harga Pokok + Marjin = Harga Jual</span></div>
</div>
</td>
</tr>
</tbody></table>
</span> </td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif";"> </span>
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<br /></div>
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<br /></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sementara untuk menentukan Total Biaya
adalah: </span></div>
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<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="7" width="67"><br /></td>
</tr>
<tr>
<td><br /></td>
<td bgcolor="white" height="54" style="background: white; border: .75pt solid black; vertical-align: top;" width="363"><span style="left: 0pt; mso-ignore: vglayout; position: absolute; z-index: 11;">
<table cellpadding="0" cellspacing="0">
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<tr>
<td>
<div class="shape" style="padding: 4.35pt 7.95pt 4.35pt 7.95pt;">
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Biaya
Tetap + Biaya Variabel = Total Biaya.</span></div>
</div>
</td>
</tr>
</tbody></table>
</span> </td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif";"> </span>
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<br /></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Namum demikian manajemen dapat
melakukan langkah dengan melihat kompetiter yang ada mengingat pasar Koperasi Serba
Usaha Syari’ah Assalam termasuk golongan ceruk pasar.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Promosi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Promosi dibutuhkan untuk memperluas
jaringan keanggotaan yang berasal dari masyarakat luas, disertai dengan
informasi produk dan jasa Koperasi Serba Usaha Syari’ah Assalam meliputi jenis
produk pembiayaan ataupun sektor riil dan sebagainya. Sebelum memutuskan
promosi harus diputuskan segmen pasar dan calon anggota pengguna jasa Koperasi
Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kelangkaan Suplai atas Dimand
menyebabkan harga barang tidak stabil dan cenderung naik, untuk menstabilkan
harga dilakukan dengan mencari sumber dan informasi pasar sebanyak-banyaknya. Diriwayatkan
dari Anas bahwa ia mengatakan<i>:</i></span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Harga pernah</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"> <i>mendadak naik pada masa
Rasulullah SAW. Para sahabat mengatakan </i></span></div>
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<br /></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>“ Wahai Rasulullah ! tentukanlah harga untuk
kita ! Beliau menjawab : “ Allah itu sesungguhnya penentu harga, penahan dan
pencurah serta pemberi rizki. Aku mengharapkan dapat menemui tuhanku dimana
salah seorang dari kalian tidak menuntutku karena kezholiman dalam hal darah
dan harta.”</span></i></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Pembelian</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pembelian barang yang menjadi obyek
pembiayaan Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>harus
dipisahkan berdasarkan jenis, kualitas, harga jual, merk maupun mekanisme
pengirimannya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengelola Koperasi Serba Usaha Syari’ah
Assalam harus aktif sehingga konsumen tidak lagi menunggu sampai barang itu
ditawarkan kepadanya. Ia akan melihat sumbernya dari siapa ia akan membeli.</span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Abu Hurairah bahwa
Rasulullah SAW bersabda : “Barang siapa yang membeli makanan, maka ia tidak
menjualnya sampai ia menimbangnya.”.</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6. Penyimpanan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Barang-barang yang dimiliki Koperasi Serba
Usah Syari’ah Assalam setelah dipilah berdasarkan jenis dan kualitasnya
disimpan dalam penyimpanan yang aman. Penyimpanan ini juga memiliki alasan
antara lain :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menstabilkan
harga, yaitu dengan jalan menimbun hasil komoditi pada saat hasil produk
berlimpah ruah, sehingga harganya rendah. Kemudian menjualnya pada waktu
komoditi dibutuhkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Spekulasi,
yaitu dengan menampung hasil produksi untuk dijual pada saat harga naik.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menjaga
kemungkinan terjadi pembelian dalam jumlah besar.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Perlunya
penyimpanan barang dan jasa selama waktu antara dihasilkan dan dijual, kadang
dalam fase penyimpanan perlu diadakan pengolahan lebih lanjut, seperti
pengadaan barang, produk retail atau eceran.</span></div>
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<br /></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Yahya
putera Sa’id yang mengatakan : Sa’id bin Al Musayap menceritakan bahwa Mu’amar
mengatakan : Rasulullah SAW bersabda : “Orang yang mnimbun barang adalah orang
yang bersalah. “ Kepada Sa’id ditanyakan : Kamu sesungguhnya melakukan
penimbunan barang. Said menjawab : “Mu’ammar yang meriwayatkan hadits ini juga
pernah melakukan penimbunan barang”.</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menurut Muhammad Akram Khan
: Tidak semua penimbun berbuat salah, yaitu orang yang menyimpan barang dalam
waktu tertentu dan menjualnya secara komparatif ada permintaan yang lebih
terhadap barang tersebut, maka orang semacam ini berhak mendapatkan satu bagian
dari produksi karena ia menyimpan barang untuk satu periode tertentu dan
membantu dalam mempertahankan perputaran barang secara tetap dipasar. Sementara
penimbun yang disalahkan dan berdosa adalah orang yang menahan barang di pasar dari
konsumer sesungguhnya untuk tujuan menciptakan kelangkaan artifisial dan dengan
demikian ia mengambil keuntungan yang tidak patut dari masyarakat yang tidak
berdaya.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7. Perkuatan Pendanaan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Perkuatan Pendanaan ini merupakan
sebuah fungsi untuk mendapatkan modal dari sumber ekstern. Sumber tersebut antara
lain: <i>Lingkage </i>dengan Bank Umum Syari’ah <span style="mso-spacerun: yes;"> </span>(BUS), Laba BUMN, Proyek Pemerintah, dll. Yakni
dengan <i>market financing </i>yang dimaksudkan fungsi mencari, mengurus modal
uang secara <i>profit sharring </i>ataupun <i>revenue sharring </i>dengan
pihak-pihak tertentu guna melancarkan transaksitransaksi pengalihan barang dari
sumber tertentu kepada Koperasi Serba Usaha Syari’ah Assalam dilanjutkan ke
anggotanya. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Konsep Islam membenarkan pemberian
imbalan atas modal dengan tanggung jawab untuk memikul resiko kerugian.
Seseorang dapat menginvestasikan modal kedalam sebuah <i>syirkah </i>(perkongsian,
kemitraan) berdasarkan modal kerja, atau keahliannya.</span></div>
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<br /></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Abu Hurairah dalam
bentuk hadits marfu, yang mengatakan bahwa Allah Ta’ala berfirman : “ Aku
adalah orang ketiga dari dua orang yang bermitra, selama salah satu dari kedua orang
itu tidak menghianati yang lainnya. Bila salah satu berkhianat, Aku keluar dari
orang itu.”.</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">8. Penanggungan Resiko</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Penanggungan resiko adalah fungsi
untuk menghindari dan mengurangi kemungkinan timbulnya resiko dalam pemasaran
seperti:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
yang ditimbulkan oleh alam : banjir, penyakit, ombak.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
yang ditimbulkan oleh manusia : pencurian, perampokan dan Kebakaran.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
yang ditimbulkan oleh pasar : merosotnya harga. dan kelangkaan barang</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
tersebut dapat dihindari dengan cara-cara seperti memperkecil persediaan barang
dengan memperbanyak order. (<i>Just in Time</i>) atau melakukan stok barang
dengan menggunakan tempat penyimpanan yang baik dan kuat.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">e)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Risiko
Management adalah suatu cara bagaimana mengurangi atau menghindari kerugian
yang timbul karena rusaknya barang, penyusutan,hilangnya barang, atau turunnya
harga sehingga tidak mempengaruhi aktifitas usaha Koperasi Serba Usaha Syari’ah
Assalam.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari ‘Amru bin Syu’aib,
dari ayahnya, dari kakeknya, bahwa Rasulullah bersabda : <i>“ Tidak dihalalkan
penjualan yang bukan milik kalian dan tidak pula dihalalkan keuntungan yang
tidak terjamin.”.</i></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">9. Pengumpulan Informasi Pasar.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Keberadaan Koperasi Serba Usaha Syari’ah
Assalam diharapkan dapat menciptanya <i>Business Centre </i>dengan dilengkapi
Unit Jasa Keuangan Syari’ah (UJKS). Sehingga dapat diketahui Produk yang
dihasilkan dan keberadaannya di pasar. Kebutuhan Anggota, calon anggota dan
masyarakat terhadap produk tersebut, dengan indikasi serba mudah, serba murah,
serba ada (<i>One Stop Shopping shariah</i>) sehingga tercipta segmentasi pasar
yang jelas.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kelangkaan Suplai atas Demand akan
menyebabkan harga barang tidak stabil dan cenderung naik, untuk menstabilkan
harga dilakukan dengan mencari sumber dan informasi pasar sebanyak-banyaknya.</span></div>
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<br /></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Anas bahwa ia
mengatakan : Harga pernah mendadak naik pada masa Rasulullah SAW. Para sahabat mengatakan
: “ Wahai Rasulullah ! tentukanlah harga untuk kita !</span></i></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Beliau menjawab : “ Allah itu
sesungguhnya penentu harga, penahan dan pencurah serta pemberi rizki. Aku
mengharapkan dapat menemui tuhanku dimana salah seorang dari kalian tidak
menuntutku karena kezholiman dalam hal darah dan harta.”</span></i></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan
Manajemen</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan ini menitik beratkan pada
sisi manajerial yang mengambil keputusan dalam menentukan kebijakan pemasaran
produk Koperasi Serba Usaha Syari’ah Assalam sebagai suatu kerangka yang
terdiri atas variabel yang dapat dikontrol seperti : pemahaman produk yang
dihasilkan, pengaturan likuiditas, penentuan margin dan promosi, ditambah
dengan variabel yang tidak dapat dikontrol seperti: kompetiter yang ada,
permintaan anggota, calon anggota dan masyarakat.</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">D. Laporan Keuangan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. <b style="mso-bidi-font-weight: normal;">Fungsi Koperasi Serba Usaha Syari’ah Assalam</b>:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Manajer Investasi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Agen
Mudharabah.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Agen
Investasi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Penyedia Jasa Keuangan
(Investor).</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengemban fungsi sosial.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. <b style="mso-bidi-font-weight: normal;">Tujuan </b>:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Pedoman penyusunan
laporan keuangan Koperasi Serba Usaha Syari’ah Assalam agar sesuai tujuan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengambilan putusan
investasi dan pembiayaan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menilai prospek arus kas</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Memberikan informasi atas
sumber daya ekonomi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Memberikan informasi
kepatuhan Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>terhadap prinsip syari’ah.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Memberikan informasi
mengenai akad-akad yang harus digunakannya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Memberikan
informasi pemenuhan fungsi sosial Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>terhadap anggota.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Agar laporan keuangan
dapat menjadi daya banding.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Sebagai acuan minimum
penyusunan laporan keuangan.</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">3.
Acuan Penyusunan Laporan Keuangan Koperasi Syari’ah </span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Standar Akutansi PSAK 27</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Standar Akutansi PSAK 59</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) PAPSI 2003</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d)Keputusan Menteri Negara
Koperasi dan Usaha Kecil dan Menengah<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>No.91/KEP/M.KUKM/IX/2004</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4<b style="mso-bidi-font-weight: normal;">. Ketentuan Umum</b></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Tujuan Laporan Keuangan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Tanggung jawab atas
penyusunan laporan keuangan Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Komponen laporan
keuangan Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Bahasa laporan keuangan
Koperasi Serba Usaha Syari’ah Assalam menggunakan Bahasa Indonesia</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">e) Mata uang Rupiah jika
ada penggunaan mata uang asing maka di kurskan ke Rupiah dengan standar Bank
Indonesia. Keuntungan dan kerugian mata uang asing dikurskan ke Rupiah dengan
kurs standar BI.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">f) Kebijakan Akutansi
mencerminkan kehati-hatian, Informasi yang material, sesuai PSAK 27 dan PSAK
59, jika tidak ada dalam PSAK kebijakan harus relevan dan andal bagi seluruh
pengguna.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">g) Penyajian wajar seluruh
komponen laporan Keuangan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">h) Penyajian unsur Neraca :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Aktiva
disajikan berdasarkan likuiditasnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kewajiban
disajikan berdasarkan urutan jatuh tempo.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Investasi
tidak terikat disajikan sebagai unsur tersendiri.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">i) Pemisahan antara
transaksi normal dan transaksi dengan pihak yang memiliki hubungan istimewa.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">j) Laporan Laba Rugi
berjenjang (<i>multiple step</i>)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">k) Catatan Atas Laporan
Keuangan terdiri atas :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Gambaran
umum Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Ikhtisar
kebjakan akutansi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Penjelasan
pos-pos dalam komponen laporan keuangan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengungkapan
hal-hal penting.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pernyataan
bahwa “Catatan Atas Laporan Keuangan tidak terpisahkan dari laporan keuangan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">l) Konsistensi Penyajian</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Penyajian
dan klasifikasi pos-pos laporan keuangan harus konsisten kecuali :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Terjadi
perubahan signifikan terhadap sifat operasi Koperasi Syari’ah .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Perubahan
tersebut diperkenankan PSAK</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Perubahan
penyajian dan klasifikasi pos-pos diberlakukan secara retrospektif dan
diungkapkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Materialitas
dan agregasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saling
Hapus (offsetting) Tidak diperkenankan kecuali :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Secara hukum
dibenarkan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mencerminkan
penyelesaian aktiva dan kewajibannya</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pos-pos pendapatan dan beban tak boleh
dihapus kecuali Pendapatan dan beban yang berhubungan dengan pos aktiva dan
kewajiban yang disaling hapus</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">m) Periode pelaporan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tahun
takwim</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi
konvensional saat konversi ke Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>boleh menggunakan periode yang lebih pendek</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">n) Informasi komparatif</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Laporan
Keuangan Tahunan dan interim, atau</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Informasi
naratif dan deskriptif (diungkapkan kembali untuk pemahaman</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 64.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">laporan
keuangan periode berjalan).</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">o) Laporan Keuangan Interim</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bagian
integral dari laporan keuangan tahunan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Komponen
laporan keuangan sama dengan laporan keuangan tahunan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">p) Laporan Keuangan
Konsolidasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menggabungkan
pos-pos sejenis yang dimiliki Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>dan cabang-cabangnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Langkah
konsolidasi :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Transaksi
dan saldo resiprokal dieliminasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Keuntungan
dan kerugian yang belum direalisasi dieliminasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tanggal
dan periode laporan keuangan pada dasarnya harus sama, jika berbeda maka
konsolidasi masih dapat dilakukan sepanjang :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tidak lebih dari 3 bulan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Peristiwa/transaksi material di antara tanggal
pelaporan diungkapkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Jika kedua syarat tidak terpenuhi harus
dilakukan penyesuaian.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan
akutansi sama.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Hak
minoritas dan hak laba minoritas disajikan tersendiri dalam neraca dan laporan
laba rugi.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">5.
Keterbatasan Laporan Keuangan.</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 45.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) <span style="mso-spacerun: yes;"> </span>Pengambilan keputusan ekonomi tidak
semata-mata didasarkan atas informasi yang terdapat dalam laporan keuangan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 45.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) <span style="mso-spacerun: yes;"> </span>Laporan keuangan memiliki keterbatasan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bersifat
histories (transaksi dan peristiwa lampau).</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Informasi
dan manfaat bagi pengguna, bersifat umum</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Informasi
khusus pihak tertentu (dipenuhi laporan lain</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menggunakan
berbagai taksiran dan pertimbangan tertentu</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Hanya
melaporkan informasi yang material</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bersifat
konservatif;</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dipilih
alternatif perlakuan yang menghasilkan laba bersih atau nilai aktiva yang
paling kecil.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">7)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Penyajian
transaksi dan peristiwa sesuai dengan substansi dan realitas ekonomi dan bukan
bentuk hukumnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">8)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Adanya
berbagai alternatif metode akutansi;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menimbulkan
variasi dalam pengukuran sumber daya ekonomis dan tingkat kesuksesan Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">9)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Disusun
dengan menggunakan istilah teknis informasi kualitatif.</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">6.
Pencerminan Laporan Keuangan Terhadap Fungsi Koperasi Serba Usaha Syari’ah Assalam.</span></b></div>
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<img align="left" height="443" hspace="12" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image004.gif" width="557" /><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">7.
Laporan Keuangan Koperasi Serba Usaha Syari’ah Assalam</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Laporan Keuangan Kop.
Jasa Keuangan Serba Usaha Syari’ah Assalam. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 40.5pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -4.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Keputusan Menteri Negara Koperasi dan Usaha
Kecil dan Menengah </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Nomor<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>: 91/KEP/M.KUKM/IX/2004 </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tanggal <span style="mso-spacerun: yes;"> </span>: 10 September 2004 </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tentang : Petunjuk Pelaksanaan Kegiatan Usaha
Koperasi Jasa Keuangan Syari’ah </span></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt;">ILUSTRASI
NERACA</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt;">KOPERASI
SERBA USAHA <span style="mso-spacerun: yes;"> </span>SYARI’AH ASSALAM</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NERACA 31 DESEMBER 2010 DAN 31 DESEMBER 2011</span></b><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium none; width: 642px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 36.0pt;" width="48">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">NO</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 148.5pt;" width="198">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">NAMA PERKIRAAN</span></b><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" width="42">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 40.5pt;" width="54">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 27.0pt;" width="36">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 150%;">NO</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;" width="180">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">NAMA
PERKIRAAN</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" width="42">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" width="42">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
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<br /></div>
</td>
</tr>
<tr style="height: 378.85pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 36.0pt;" valign="top" width="48">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.1</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.2.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.3.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.4</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.5</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.6</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.7</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.8</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.9</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.10</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.11</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.12</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.13</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.14</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.15</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.16</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.17</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.18</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 148.5pt;" valign="top" width="198">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">AKTIVA</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Kas/ Bank</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Tabungan dan Simpanan pada Bank</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Surat Berharga</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">a. Murabahah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">b. Saham</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">c. Istishna</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Pembiayaan Mudharabh</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Pembiayaan Musyarakah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Pinjaman Qardh</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">(Peny. Pengahpusan Pembiayaan)</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang Anggota dan pihak lain.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Penyertaan pada Koperasi<span style="mso-spacerun: yes;"> </span>Anggota dan Pihak Lain.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Persediaan (untuk dijual).</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Ijarah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Aktiva Istishna dalam penyelesaian</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Aktiva Tetap</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">(akumulasi Penyusutan Aktiva Tetap)</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang Pendapatan Bagi Hasil</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang Pendapatan Ijarah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Aktiva Lain-lain.</span><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 40.5pt;" valign="top" width="54">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 27.0pt;" valign="top" width="36">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.1</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.2</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.3</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.4</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.5</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.6</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.7</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.8</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.1</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.2</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.3</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.4</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.5</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.6</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.7</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;" valign="top" width="180">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">KEWAJIBAN</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Kewajiban segera</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Tabungan Wagdiah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Hutang Salam</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Hutang Istishna</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Kewajiban Lain-lain</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Pembiayaan yang diterima</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">INVESTASI TIDAK
TERIKAT</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Tabungan Mudharabah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Simpanan Berjangka Mudharabah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">EKUITAS</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Anggota</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">a. Simpanan Pokok</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">b. Simpana Wajib</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Penyertaraan</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Penyertaan</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Cadangan Umum</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Cadangan Tujuan Resiko</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Sumbangan</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">SHU Belum dibagi</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Jumlah
Ekuitas</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 36.0pt;" valign="top" width="48">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 148.5pt;" valign="top" width="198">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Jumlah
Aktiva</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 40.5pt;" valign="top" width="54">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 27.0pt;" valign="top" width="36">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;" valign="top" width="180">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Jumlah Kewajiban
& Modal</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
</tbody></table>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERHITUNGAN
HASIL USAHA</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KOPERASI SERBA
USAHA SYARI’AH ASSALAM</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERIODE
TANGGAL 1 JANUARI 2010 S/D 31 DESEMBER 2011</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">DENGAN
PERBANDINGAN </span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERIODE <span style="mso-spacerun: yes;"> </span>TANGGAL 1 JANUARI 2010 S/D 31 DESEMBER 2011</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<br /></div>
<div align="center">
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium none; width: 596px;">
<tbody>
<tr style="height: 26.95pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 32.95pt;" width="44">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">No</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 234.0pt;" width="312">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PENDAPATAN
& BEBAN OPERASI UTAMA</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" width="120">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Tahun 2010</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;"></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" width="120">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Tahun 2011</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;"></span></div>
</td>
</tr>
<tr style="height: 523.3pt; mso-yfti-irow: 1; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 32.95pt;" valign="top" width="44">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.1.</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.4</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">2.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">2.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">4</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">4.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">4.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">5</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6.3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.4</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 234.0pt;" valign="top" width="312">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan
Jual-Beli :</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Marjin
Murabahah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bersih Salam
Paralel </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bersih Istishna
Paralel </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Ijarah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan dari Bagi Hasil
:</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bagi Hasil
Mudharabah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bagi Hasil
Musyarakah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Operasi Utama
Lainnya</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bagi Hasil
Simpanan pada Bank </span></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<br /></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Jumlah
Pendapatan Operasi Utama </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="4" width="302"><br /></td>
</tr>
<tr>
<td><br /></td>
<td><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image005.gif" width="241" /></td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;"> </span>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Bagi Hasil Investasi
Tidak Terikat :</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Bagi Hasil Tabungan
Mudharabah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Bagi Hasil Simpanan
Berjangka Mudharabah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Bagi Hasil Pembiayan
Yang Diterima : </span></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="5" width="302"><br /></td>
</tr>
<tr>
<td><br /></td>
<td><img height="4" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image006.gif" width="238" /></td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;"> </span>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Koperasi Sebagai Mudharib </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Operasi Lainnya
:</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Fee Qardh </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan jasa
administrasi </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Administrasi
Pembiayaan Yang Diterima </span></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<br /></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Jumlah
Pendapatan Operasi lainnya </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Operasional Lainnya</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Bonus Wadiah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Umum &
Administrasi </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Kantor/ Organisasi
Pusat (Untuk UKMS) </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 12.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none; text-indent: -9.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban
Operasional Lainnya </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Jumlah
Beban Operasi lainnya </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt;"><span style="mso-spacerun: yes;"> </span>Pendapatan Operasional Kotor </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt;"></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Hasil Usaha/ Rugi Usaha</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" valign="top" width="120">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="height: 12px; left: -7px; mso-ignore: vglayout; position: relative; top: 8px; width: 238px; z-index: 4;"><img height="4" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image007.gif" width="238" /></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="mso-ignore: vglayout; position: relative; z-index: 7;"><span style="height: 5px; left: -7px; left: 0px; position: absolute; top: -1px; width: 238px;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image008.gif" width="238" /></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="height: 11px; left: -7px; mso-ignore: vglayout; position: relative; top: 6px; width: 238px; z-index: 8;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image009.gif" width="238" /></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="mso-ignore: vglayout; position: relative; z-index: 9;"><span style="height: 5px; left: -7px; left: 0px; position: absolute; top: -2px; width: 238px;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image008.gif" width="238" /></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="height: 5px; margin-left: -7px; margin-top: 14px; mso-ignore: vglayout; position: absolute; width: 238px; z-index: 10;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image010.gif" width="238" /></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="mso-ignore: vglayout; position: relative; z-index: 14;"><span style="height: 5px; left: -7px; left: 0px; position: absolute; top: -1px; width: 238px;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image010.gif" width="238" /></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.
XXXXXX </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.
XXXXXX </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" valign="top" width="120">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.</span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">
XXXXXX</span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;"> </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.</span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.
XXXXXX </span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"></span></div>
</td>
</tr>
</tbody></table>
</div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">LAPORAN ARUS
KAS</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KOPERASI SERBA
USAHA SYARI’AH ASSALAM</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Untuk Periode
yang Berakhir Tanggal 31 Desember 2011</span></b></div>
<div align="center">
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KETERANGAN </span></b></div>
</td>
<td colspan="2" style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 184.5pt;" valign="top" width="246">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">JUMLAH (
Rp )</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Masuk</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Awal</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penerimaan Pendapatan
:</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Marjin Murabahah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Salam Paralel </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Istishna Paralel </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Ijarah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 8;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penerimaan Pendapatan
Bagi Hasil : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 9;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 10;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 11;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Musyarakah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 12;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Simpanan pada Bank</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 13;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penerimaan Pendapatan
Lainnya : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 14;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Fee Qardh</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 15;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Jasa Administrasi </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 16;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 17;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Penerimaan Piutang : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 18;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Anggota </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 19;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Pihak Lain </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 20;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penerimaan Setoran :</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 21;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 22;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 23;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Simpanan Pokok</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 24;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Simpanan Wajib</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 25;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Penerimaan Kas
Bulan……</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 26;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Total Arus Kas Masuk </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 27;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Keluar</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 28;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penyaluran Pinjaman
Qardh </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 29;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 30;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penyaluran Pembiayaan
: </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 31;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 32;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Musyarakah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 33;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 34;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Pembayaran Bagi Hasil
:</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 35;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 36;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 37;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 38;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Pembayaran Beban </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 39;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Administrasi Pembiayaan yg Diterima </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 40;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Bonus Wadiah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 41;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Umum & Administrasi </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 42;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Operasional lainnya </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 43;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 44;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penyerahan : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 45;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 46;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 47;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Simpanan Pokok </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 48;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Simpanan Wajib </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 49;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 50;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">6. Pembayaran hutang </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 51;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">7. Pembelian Perlengkapan
</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 52;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">8. Pembelian Aktiva Tetap
</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 53;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pengeluaran Kas
Bulan….. </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 54; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Akhir </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
</tbody></table>
</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NO</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NAMA</span></i></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">PERKIRAAN</span></i></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NO
</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NAMA
PERKIRAAN</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="height: 16.6pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">AKTIVA </span></i></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">KEWAJIBAN</span></i></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="height: 17.05pt; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.1</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">. Kas / Bank </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.1</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Kewajiban segera</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.2</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Tabungan dan Simpanan<span style="mso-spacerun: yes;"> </span></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.2</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Tabungan Wadiah</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Pada Bank </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.3</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Hutang Salam</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.3</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Surat Berharga </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.4</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Hutang Istishna</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.4</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Piutang : </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.5</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Modal Tidak Tetap</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 8;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">a. Murabahah </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.6</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Kewajiban Lain-Lain</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 9;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">b. Salam </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Jumlah Kewajiban</span></i></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 10;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">c. Istishna</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 11;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.5 Pembiayaan Mudharabah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 12;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.6 Pembiayaan Musyarakah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 13;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.7 Pinjaman Qardh <b>INVESTASI
TIDAK TERIKAT</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 14;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.8 (Penyisihan
Penghapusan 2.7 Tabungan Mudharabah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 15;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Pembiayaan) 2.8 Simpanan
Berjangka</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 16;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Mudharabah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 17;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.9 Piutang Anggota dan <b>Jumlah
Investasi</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 18;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Pihak Lain <b>Tidak
Terikat</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 19;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.10 Persediaan (untuk
dijual)</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 20;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.11 Ijarah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 21;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.12 Aktiva Istishna Dalam
3 <b>EKUITAS</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 22;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Penyelesaian 3.1 Modal
Disetor</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 23;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.13 Aktiva tetap 3.2
Modal Tetap Tambahan</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 24;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.14 (Akumulasi
Penysusutan 3.3 Cadangan Umum</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 25;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Aktiva tetap) 3.4 Cadangan
Tujuan Resiko</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 26;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.15 Piutang Pendapatan
3.5 SHU Belum Dibagi</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 27;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Bagi Hasil <b>Jumlah
Ekuitas</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 28;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.16 Piutang Pendapatan
Ijarah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 29;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.17 Aktiva Lain-Lain</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 30; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Jumlah Aktiva Jumlah
Kewajiban & Modal</span></i></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">ILUSTRASI
NERACA UNIT JASA KEUANGAN SYARI’AH</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">NERACA 31
DESEMBER 2001 DAN 31 DESEMBER 2001</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERHITUNGAN
HASIL USAHA</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">UNIT JASA
KEUANGAN SYARI’AH</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERIODE
TANGGAL 1 JANUARI 2001 S/D 31 DESEMBER 200X1</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">DENGAN
PERBANDINGAN PERIODE TANGGAL 1 JANUARI 2001 S/D 31 DESEMBER 2001</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">A <b>PENDAPATAN & BEBAN
OPERASI UTAMA Tahun 200X Tahun 200X</b></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1 Pendapatan Jual-Beli :</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.1. Pendapatan Marjin
Murabahah Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.2 Pendapatan Bersih Salam
Paralel Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.3 Pendapatan Bersih
Istishna Paralel Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.4 Pendapatan Ijarah Rp.
XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">2 Pendapatan dari Bagi
Hasil :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2.1 Pendapatan Bagi Hasil
Mudharabah Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">2.2 Pendapatan Bagi Hasil
Musyarakah Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">3 Pendapatan Operasi Utama
Lainnya</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendapatan Bagi Hasil
Simpanan pada Bank Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pendapatan Operasi
Utama Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">4 Beban Bagi Hasil
Investasi Tidak Terikat :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4.1 Bagi Hasil Tabungan
Mudharabah (Rp. XXXXXX) (Rp. XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">4.2 Bagi Hasil Simpanan
Berjangka Mudharabah (Rp. XXXXXX) (Rp. XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">5 Beban Bagi Hasil Pembiayan
Yang Diterima : (Rp. XXXXXX) (Rp. XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendapatan Koperasi Sebagai
Mudharib Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">6 Pendapatan Operasi
Lainnya :</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">6.1 Pendapatan Fee Qardh
Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">6.2 Pendapatan jasa
administrasi Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">6.3 Beban Administrasi
Pembiayaan Yang Diterima Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pendapatan Operasi
lainnya Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">7 Beban Operasional Lainnya</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.1 Beban Bonus Wadiah Rp.
XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.2 Beban Umum &
Administrasi Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.3 Beban Kantor/
Organisasi Pusat (Untuk UKMS) Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.4 Beban Operasional
Lainnya Rp. XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Beban Operasional
Lainnya </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Rp.
XXXXXX Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendapatan Operasional
Kotor </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Rp.
XXXXXX Rp. XXXXXX</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Hasil Usaha/ Rugi Usaha </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Rp. XXXXXX Rp. XXXXXX</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">LAPORAN ARUS KAS</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">UNIT JASA KEUANGAN SYARI’AH
</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Untuk Periode yang Berakhir
Tanggal…..</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KETERANGAN JUMLAH ( Rp )</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Masuk</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Awal </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penerimaan Pendapatan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Marjin Murabahah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Salam Paralel</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c. Istishna Paralel</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d. Ijarah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penerimaan Pendapatan
Bagi Hasil : xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c. Musyarakah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d. Simpanan pada Bank</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penerimaan Pendapatan
Lainnya : xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Fee Qardh</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Jasa Administrasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Penerimaan Piutang :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Anggota</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Pihak Lain</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penerimaan Setoran :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Penerimaan Kas
Bulan…… </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Total Arus Kas Masuk </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">KETERANGAN JUMLAH (Rp)</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Keluar</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penyaluran Pinjaman
Qardh xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penyaluran Pembiayaan :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Mudharabah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Musyarakah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Pembayaran Bagi Hasil :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Pembayaran Beban :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Administrasi Pembiayaan
yg Diterima xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Bonus Wadiah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c. Umum & Administrasi
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d. Operasional lainnya
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penyerahan : xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6. Pembayaran hutang
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7. Pembelian Perlengkapan
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">8. Pembelian Aktiva Tetap
xxxxxxxx</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pengeluaran Kas
Bulan….. </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Akhir </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Laporan Koperasi Syari’ah
</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Bagi Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>pada prinsipnya sama dengan Laporan Keuangan
Koperasi Jasa Keuangan Syari’ah <span style="mso-spacerun: yes;"> </span>hanya
ditambah investasi sektor Riil pada neraca konsolidasi. Hal ini dimaklumi dan
dapat dilihat dari segi fiqih muamalahnya. Sektor Riil seperti kantin, toko
khususnya transaksi jual beli secara tunai (<i>Bai al Musawwamah</i>) yang
merupakan ciri khas koperasi serba usaha dapat dimasukan pada investasi <i>mudharabah
</i>yang sumber permodalannya di dapat dari modal koperasi itu sendiri atau
dari pihak lain sebagai investasi terikat ataupun investasi tidak terikat. Maka
sewajarnya jika Menteri Negara Koperasi segera mengeluarkan Surat keputusannya
mengenai Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>yang serba
usaha sebagaimana keputusan menteri yang dikeluarkan bagi Koperasi Jasa Keuangan
Syari’ah . Sehingga semua jenis koperasi dapat beoperasional secara Syari’ah .</span></div>
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<br /></div>
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-89466360037865945442012-04-04T23:18:00.000-07:002012-04-04T23:18:28.001-07:00ART KSU SYARIAH ASSALAM<div dir="ltr" style="text-align: left;" trbidi="on">
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<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">STANDAR
OPERASIONAL MANAJEMEN (SOM)</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KOPERASI
SERBA USAHA <span style="mso-spacerun: yes;"> </span>SYARI’AH ASSALAM</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">MINOMARTANI,
NGAGLIK, SLEMAN</span></b></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">A. Manajemen Umum</span></b></div>
<div class="Default" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sebagai soko guru
perekonomian, Koperasi Serba Usaha Syari’ah Assalam memungkinkan untuk
berkembang secara ekonomis, mampu memberikan pelayanan secara terus menerus dan
meningkat kepara anggotanya serta masyarakat sekitarnya, juga dapat memberikan sumbangan
yang mendasar kepada pembangunan dan pertumbuhan ekonomi Indonesia.
kekeluargaan. Kemakmuran masyarakat sangat diutamakan bukan kemakmuran orang
perseorang dan bentuk usaha seperti itu yang tepat untuk umat Islam adalah
Koperasi Syari’ah. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi
Serba Usaha Syari’ah Assalam memiliki basis kegiatan ekonomi rakyat dengan
falsafah yang sama yaitu dari anggota oleh anggota untuk anggota; maka
berdasarkan Undang-undang RI Nomor 25 tahun 1992 tersebut berhak menggunakan
badan hukum koperasi, dimana letak perbedaannya dengan Koperasi Konvensional
(nonsyariah) hanya terletak pada teknis operasionalnya saja, Koperasi Serba
Usaha Syari’ah Assalam mengharamkan bunga dan mengusung etika moral dengan
melihat kaidah halal dan haram dalam melakukan usahanya. </span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi Serba Usaha Syari’ah Assalam
adalah usaha ekonomi yang terorganisir secara mantap, demokratis, otonom
partisipatif, dan berwatak sosial yang operasionalnya menggunakan
prinsip-prinsip yang mengusung etika moral dan berusaha dengan memperhatikan
halal atau haramya sebuah usaha yang dijalankan sebagaimana diajarkan dalam
Agama Islam. Lembaga ini adalah wadah kemitraan, kerjasama, kekeluargaan, dan
kebersamaan usaha yang sehat, baik, dan halal. </span></div>
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<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Strategi Sasaran</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi dan Sasaran Koperasi Serba
Usaha Syari’ah Assalam dituangkan dalam Rencana Kerja dan Anggaran Tahunan
Koperasi Syari’ah (RKATKS) sebagai acuan Manager dalam melakukan kegiatan
operasional Koperasi Serba Usaha Syari’ah Assalam. RKATKS dibuat oleh Pengelola
dan Pengurus pada periode akhir tahun, sehingga awal tahun sudah dapat
digunakan sebaga acuan Operasional. RKATKS sekurang-kurangnya memuat antara
lain :</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">a)
Pendahuluan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengurus Koperasi Serba
Usaha Syari’ah Assalam bersama Dewan Pengawas Syari’ah mendedikasikan lembaga
ini bukan semata-mata untuk mencari keuntungan pribadi, akan tetapi kami semua
yang mendirikan, mengurus dan mengelola koperasi ini insya Allah, semata-mata
untuk suatu:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Visi, Misi dan Tata
Nilai</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Visi
Koperasi Serba Usaha Syari’ah Assalam mencerminkan semangat usaha bersama dengan
berpedoman pada Al Qur’an dan Sunah Rasulullah SAW.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Meningkatkan
kesejahteraan dan taraf hidup anggota pada khususnya dan masyarakat pada
umumnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menjadi
gerakan ekonomi rakyat serta ikut membangun tatanan perekonomian nasional.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Misi
Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>merupakan penjabaran dari visi yang diembannya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Terwujudnya
sumber daya insan yang professional dan sepenuhnya mengerti muamalah secara
syari’ah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menerapkan
prinsip-prinsip ekonomi syari’ah dan etika bisnis untuk mencapai keuntungan
yang <span style="mso-spacerun: yes;"> </span>berkesinambungan dan memberi nilai
lebih bagi anggota</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Mendorong
tumbuhnya kewirausahaan dengan membangun mediasi yang berkesinambungan antara
shahibul maal dan mitra usaha</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tata
Nilai Koperasi Serba Usaha Syari’ah Assalam merupakan karakter kerja yang menjadi
budaya dalam menjalankan operasionalnya .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>“Menjadi lembaga keuangan syari’ah yang
terpercaya dan terbaik dalam mewujudkan kemandirian dan pemberdayaan ekonomi
umat”.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Arah Pengembangan
Koperasi Serba Usaha Syari’ah Assalam </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengurus harus dapat memprediksikan
pengembangan Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>ke depan dengan jangka panjang 5 tahun
mendatang.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3) Analisa dan Potensi
Pasar</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dalam mengembangkan Koperasi Serba
Usaha Syari’ah Assalam , Pengurus maupun pengelola harus mengumpulkan data-data
potensi usaha yang kemungkinan dapat dikembangkan.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">b)
Rencana Strategis Tahunan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Segmen Pasar yang
dibidik.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Segmen pasar yang paling baik dibidik
Koperasi Serba Usaha Syari’ah Assalam adalah “<i>Ceruk Pasar</i>” usaha
individu maupun lembaga masyarakat, dimana segmen ini tidak menjadi daya tarik
bagi industri perbankan. Kompetiter yang ada terdiri dari para rentenir ataupun
koperasi lainnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Target Pasar yang
diharapkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dari segmen pasar yang dibidik, di
buat proyeksi dengan asumsi nominal rupiah yang diinginkan setiap transaksi
penghimpunan maupun penyaluran.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3) Nilai Jual Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>memiliki nilai jual : Serba Mudah, Serba Murah
dan Serba Ada serta pelayanan prima kepada anggota dan masyarakat. Koperasi Serba
Usaha Syari’ah <span style="mso-spacerun: yes;"> </span>Assalam <span style="mso-spacerun: yes;"> </span>juga<span style="mso-spacerun: yes;">
</span>memiliki penampilan kantor pusat yang layak dan suasana yang nyaman
dengan nuansa Islami di salah satu unit berlokasi pada kawasan Masjid Assalam
Minomartani, Ngaglik, Sleman.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4) Formulasi Program</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Formulasi program disesuaikan dengan
segmen pasar dari Koperasi Serba Usaha Syari’ah Assalam .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dalam mengekspresikan programnya
dibuat secara sederhana dan dapat dimengerti dengan mudah oleh anggotanya.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">c)
Sasaran, Strategi, Kebijakan dan Program Kerja</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">1)
Unit Jasa Keuangan Syari’ah</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Marketing</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terhimpunnya
dana pihak ke tiga dan menyalurkannya guna mendapat keuntungan sesuai target</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Strategi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat leaflet
/brosur dan feature produk simpanan dan produk pembiayaan serta memberikan
hadiah menarik bagi penyimpan dana di Koperasi Serba Usaha Syari’ah Assalam .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menghimpun dana
dari anggota maupun non anggota ataupun lembaga lainnya dan mengelolanya dalam
bentuk pembiayaan yang menguntungkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Program Kerja</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menawarkan
produk dan jasa kepada anggota, non anggota maupun lembaga lainnya.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l24 level1 lfo6; text-align: justify; text-autospace: none; text-indent: -21.3pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Operasi
Kerja Koperasi<span style="mso-spacerun: yes;"> </span>Serba Usaha Syari’ah
Assalam.</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l23 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terciptanya
kelancaran transaksi keuangan Koperasi Serba Usaha Syari’ah Assalam dengan tertib,
rapih dan nyaman. Serta dapat menyajikan laporan keuangan yang <i>real time</i>.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l23 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menggunakan
teori antrian dan menambah petugas sesuai kebutuhan dan melengkapi dengan <i>software
</i>komputer.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l23 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menciptakan
kepuasan pelayanan terhadap anggota dan masyarakat di Koperasi Serba Usaha Syari’ah
Assalam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l23 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Program
Kerja</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Melayani
transaksi uang masuk dan uang keluar serta mebukukannya setiap hari hingga
menjadi laporan yang dapat disajikan setiap saat.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">2)
Unit Sektor Riil</span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 50.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l28 level1 lfo5; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bidang
Perdagangan</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level2 lfo7; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Tercapainya
penjualan barang-barang dagangan serta mendapat keuntungan sesuai target.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level2 lfo7; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat <i>leaflet</i>,
brosur-brosur dagangan dan memberikan <i>Featurefeature </i>hadiah menarik bagi
mereka yang berbelanja di Koperasi Serba Usaha Syari’ah Assalam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level2 lfo7; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mengklasifikasikan
barang-barang berdasarkan jenis dan ukurannya serta menjaga kondisi barang agar
tetap terjual.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo8; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Program Kerja</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menawarkan
barang-barang yang dijual kepada anggota, non anggota maupun masyarakat
lainnya.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -7.1pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 2.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo9; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bidang
Jasa</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l34 level1 lfo10; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Sasaran</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terlaksananya
usaha dibidang jasa sesuai dengan rencana pencapaian target yang telah
dirumuskan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l34 level1 lfo10; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat <i>leaflet
</i>/brosur dan <i>feature-feature </i>produk jasa yang ditawarkan Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l34 level1 lfo10; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Memilih potensi
usaha unggulan dibidang jasa dengan melihat peluang dan SDM yang ada.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l34 level1 lfo10; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Program
Kerja</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menawarkan
produk jasa Koperasi Serba Usaha Syari’ah Assalam kepada anggota, non anggota
maupun lembaga lainnya secara terus menerus.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 2.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l32 level1 lfo11; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bidang
Industri/ Produksi</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l35 level1 lfo12; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sasaran</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Terlaksananya
produksi suatu barang yang dihasilkan sesuai dengan rencana pencapaian target
yang telah dirumuskan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l35 level1 lfo12; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Membuat model
dan <i>feature-feature </i>produk barang komoditi yang dihasilkan Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l35 level1 lfo12; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Kebijakan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Memilih potensi
produk dengan melihat peluang pasar, sumber bahan baku, penyimpanan dan
distribusi dan pengelolaan SDM trampil di bidangnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l35 level1 lfo12; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Program
Kerja</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 71.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menghasilkan
produk barang kebutuhan, penetrasi pasar, memperbaiki kemasan sesuai tren,
pemantauan pesaing melakukan strategi marketing mix. secara terus menerus.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -7.1pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">d)
Menyusun Proyeksi Keuangan Tahunan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Proyeksi Neraca
Konsolidasi dari UJKS dan Sektor Riil.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menyusun proyeksi Aktiva dan Pasiva
konsolidasi dari bulan Januari sampai dengan bulan Desember tahun yang
bersangkutan yakni dengan menggabungkan proyeksi Aktiva dan Pasiva dari
masing-masing unit.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Proyeksi Laba Rugi
Konsolidasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menyusun proyeksi pendapatan dan
biaya-biaya konsolidasi dari bulan Januari sampai dengan Desember dari
masing-masing unit</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">3) Proyeksi Arus Kas
Konsolidasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menyusun Proyeksi Kenaikan dan
Penururnan aktifitas Operasi dan Non Operasi dari bulan Januari sampai dengan
Bulan Desember dari masing-masing unit.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penerapan Sistem pada
UJKS</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Mekanisme Pemberian
Pembiayaan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mekanisme pemberian pembiayaan dengan
memperhatikan Legal, Lending, Limit serta menganut prinsip kehati-hatian dengan
memperhatikan <b style="mso-bidi-font-weight: normal;">6 C</b> yaitu </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">C<i>arakter
</i>(Karakter nasabah), </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Condition
of economic </span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(kondisi
usaha), </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Capacity
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Kemampuan
Manajerial), </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Capital
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Modal),</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Collateral
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Jaminan),
</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Constrain
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">(Keadaan yang
menghambat).</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) <span style="mso-spacerun: yes;"> </span>Pencatatan transaksi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Transaksi uang masuk dan keluar
dicatat secara teratur dan sistematis dimulai dari pencatatan bukti transaksi,
buku besar, jurnal sampai menjadi laporan keuangan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengamanan dokumen
penting.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dokumen dikelompokan berdasarkan
jenisnya tersendiri dan disimpan pada lemari arsip dengan menggunakan kode
tertentu yang dapat memudahkan kita untuk mencarinya. Dokumen jaminan disimpan
pada lemari Besi tahan api guna melindungi dari kemungkinan kebakaran ataupun pencurian.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Pengawasan Pelaksanaan
Kegiatan Operasional</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kegiatan Operasional harus melibatkan
Dewan Pengawas Syari’ah setiap kali ada transaksi yang dilakukan pengelola guna
menhindari adanya unsur <i>Gharar </i>(ketidak pastian) ataupun tidak sesuai
dengan akad syari’ah.</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penerapan Sistem pada
Unit Sektor Riil</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Mekanisme investasi pada
Perdagangan, Jasa dan Produksi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mekanisme investasi pada Perdagangan,
Jasa dan Produksi, lebih ditekankan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">pada aspek peluang yang ada di
lingkungan terdekat kantor Koperasi Serba Usaha Syari’ah Assalam di
Minomartani, Kecamatan Ngaglik, Kabupaten Sleman.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Jangan melakukan investasi usaha
sektor riil jika belum melihat potensi peluang maupun kesiapan SDM pengelola.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pencatatan transaksi</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Transaksi uang masuk dan keluar
dicatat secara teratur dan sistematis dimulai dari pencatatan bukti transaksi
yang terdiri dari faktur, buku besar, jurnal sampai menjadi laporan keuangan
harian dan bulanan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengamanan dokumen
penting.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dokumen dikelompokan berdasarkan
jenisnya tersendiri dan disimpan pada lemari arsip dengan menggunakan kode <span style="mso-spacerun: yes;"> </span>tertentu yang dapat memudahkan kita untuk
mencarinya. Dokumen jaminan disimpan pada Brankas Besi tahan api guna
melindungi dari kemungkinan kebakaran ataupun pencurian.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Pengawasan Pelaksanaan
Kegiatan Operasional</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kegiatan Operasional harus melibatkan
Dewan Pengawas Syari’ah <span style="mso-spacerun: yes;"> </span>setiap kali</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">ada transaksi yang dilakukan pengelola
guna menhindari adanya unsur <i>Gharar</i></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(ketidak pastian) ataupun tidak sesuai
dengan akad Syari’ah .</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Kepengurusan dan
Pengelolaan Koperasi Serba Usaha Syari’ah Assalam.</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Pengambilan Keputusan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengambilan keputusan dibuat mekanisme
dan aturan dengan pendelegasian wewenang dan tanggung jawab kepada Pengurus dan
Pengelola Koperasi Serba Usaha Syari’ah Assalam.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Penanganan Permasalahan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Penanganan Permasalahan dapat
dilakukan baik di tingkat pengelola maupun ditingkat Pengurus, tergantung
tingkat permasalahan yang ada</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Tertib Dan Disiplin
Kerja</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Guna menciptakan ketertiban dan
disiplin kerja karyawan perlu diciptakan <i>Reward and Punisment </i>dalam
bentuk penghargaan maupun teguran hingga pemecatan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 7.1pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">B. Manajemen Resiko
Koperasi Serba Usaha Syari’ah Assalam. </span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko manajemen Koperasi Serba Usaha Syari’ah
Assalam pada Unit Jasa Keuangan Syari’ah <span style="mso-spacerun: yes;"> </span>(UJKS) memiliki 5 macam tingkat resiko yang
terdiri atas :</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Resiko Likuiditas</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Kelancaran Pengembalian
Investasi harus tetap di jaga guna memperkecil resiko likuiditas Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pemeliharaan Likuiditas
dapat dilakukan dengan menghitung </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Cash Rasio (CR)<span style="mso-spacerun: yes;"> </span>:<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><u>Kas
dan setara kas </u></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;">
</span>Hutang Lancar</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2)
Financing Debt Ratio (FDR) : <span style="mso-spacerun: yes;"> </span><u>Total
Pembiayaan</u> </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;">
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Resiko Pembiayaan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Dalam memberikan
Pembiayaan perlu ditekankan analisa pembiayaan yang cermat dengan memperlakukan
prinsip kehati-hatian</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pemantauan Kepatuhan
anggota pembiayaan harus senantiasa dapat dikontrol melalui Kartu Pembiayaan
setiap bulannya oleh bagian pembiayaan maupun manager Koperasi Serba Usaha Syari’ah
Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengikatan Agunan
dilakukan secara nota riel setelah diadakan taksasi agunan dengan melihat NJOP
bagi anggota pembiayaan yang menyerahkan jaminan dalam bentuk SHM (Sertifikat
Hak Milik) atau harga pasaran bagi BPKB kendaraan mobil maupun motor setelah
dibuktikan kebenarannya nomor mesin dengan BPKB nya.</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Resiko Operasional</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Pembentukan Cadangan
Penyisihan Penghapusan Aktiva (CPPA) harus dibentuk oleh manajemen Koperasi Serba
Usaha Syari’ah Assalam yakni sebesar 0,5 % bagi setiap pembiayaan lancar, 10 %
bagi pembiayaan yang kurang lancar, 50 % bagi pembiayaan yang diragukan tingkat
pengembaliannya dan 100 % bagi pembiayan dengan katagori macet.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Setiap kali dewan
pengawas menemukan transaksi yang tidak sesuai dengan Rencana Kerja yang dibuat
pengurus Koperasi Serba Usaha Syari’ah Assalam ataupun terjadi penyimpangan
dalam operasional oleh manajemen, maka harus segera melaporkan pada Pengurus
untuk segera mengadakan perbaikan maupun pembenahan.</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Resiko Hukum.</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Setiap Akad- Perjanjian
sedapat mungkin dibuat berdasarkan nota riel, dan menyebutkan dalam klausul
akad tersebut “apabila terjadi permasalahan di kemudian hari, maka kedua belah
pihak sepakat akan diselesaikan oleh <i>BASYARNAS </i>(BadanSyari’ah <span style="mso-spacerun: yes;"> </span>Arbitrase Nasional)” atau Pengadilan Agama setempat.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Penyelesaian Pembiayaan
Bermasalah (Remedial)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi Serba Usaha Syari’ah Assalam
melayani anggotanya dari berbagai lapisan masyarakat sangat rentan terhadap
pembiayaan bermasalah. Untuk itu perlu mengambil langkah tertentu dalam
penyelesaian pembiayaan bermasalah terebut dalam bentuk prefentif yaitu dengan
melakukan perubahan melalui <i>Restructuring </i>(Penataan Kembali), <i>Rescheduling
</i>(penjadwalan Kembali), dan <i>Reconditioning </i>(Persyaratan kembali).
Secara detail penyelesaian pembiayaan bermasalah dijelaskan pada Sistem Operasi
dan Prosedur Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Resiko Kepengurusan dan
Pengelolaan.</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) <span style="mso-spacerun: yes;"> </span>Pengurus dan Pengelola Koperasi Serba Usaha
Syari’ah Assalam tidak boleh mencampuri usaha koperasi dengan kepentingan usaha
pribadi, saudara dan keluarganya. Usaha Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>harus dilakukan secara independent tanpa
dicampuri urusan pribadi pengurus maupun pengelola.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Pengurus dan Pengelola
harus memiliki kemampuan peningkatan permodalan Koperasi Serba Usaha Syari’ah
Assalam, jika tidak maka usahanya tidak akan berkembang</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Dalam menjalankan
Operasional Koperasi Serba Usaha <span style="mso-spacerun: yes;"> </span>Syari’ah
Assalam, penanggung jawab bidang pembiayaan tidak boleh melakukan hal-hal yang
cenderung menguntungkan pribadinya seperti meminta atau menerima suatu
pemberian sesuatu baik uang tips maupun dalam bentuk barang dari anggota yang
terlibat dalam pembiayaan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Dewan pengawas harus
benar-benar melakukan fungsi pengawasan secara kontinyu ataupun berkala, guna
menghindari resiko penyimpangan yang kemungkinan terjadi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sementara itu, resiko terbesar yang
mungkin terjadi pada unit sektor riil untuk jenis perdagangan umum dan Industri
adalah ;</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Fluktuasi harga yang
dapat berubah setiap saat</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Masalah gudang dan
Penyimpanan barang</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengadaan bahan baku dan
pasar</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Aksesibilitas kendaraan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">e) Kondisi makro ekonomi
negara dan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">f) Stabilitas politik yang
tidak kondusip</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sedangkan bagi unit sektor
riil untuk jenis jasa resiko tertinggi lebih banyak bertumpu pada :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Reputasi lembaga dan
pengeloala</span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Service Customer</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Komunikasi</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">C. Manajemen Pemasaran</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pemasaran merupakan ujung tombak dari sebuah
usaha, oleh karenanya komponen pemasaran Koperasi Serba Usaha Syari’ah Assalam
mempunyai kriteria:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.Analisa Pasar
(Sasaran Pasar, Pesaing, harga dan kemasan produk)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2.Strategi
Pemasaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3.Periklanan
yang berkaitan dengan produk Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4.Humas sebagai
sarana sosialisasi produk</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5.Anggota dan
calon anggota atau masyarakat lain.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1) Definisi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">"Pemasaran adalah sistem
keseluruhan dari kegiatan usaha Koperasi Serba Usaha Syari’ah Assalam yang ditujukan
untuk memperkenalkan produk yang ditawarkan, menentukan tingkat <i>margin</i>,
bagi hasil dan <i>fee</i>, mempromosikan, dan mendistribusikan aktiva secara produktif
yang dapat memberikan keuntungan maksimal baik kepada <i>stake holder </i>maupun
<i>share holder </i>potensial."</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dari definisi tersebut dapat diketahui
bahwasanya proses pemasaran Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>dimulai sebelum terjadinya akad pembiayaan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Keputusan
pemasaran dibuat untuk :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Memperkenalkan Produk dan jasa Koperasi Serba
Usaha Syari’ah Assalam yang ditawarkan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Menentukan anggota, calon anggota dan
masyarakat yang akan dibidik.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Menentukan tingkat margin, bagi hasil dan fee
sebagai Agen.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Memberikan kepuasan pada anggota maupun
masyarakat luas.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2) Konsep Pemasaran
Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">"Konsep Pemasaran dalam Koperasi Serba
Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>merupakan
falsafah usaha yang menyatakan bahwa banyaknya transaksi yang terjadi adalah
syarat utama bagi kelangsungan sebuah Koperasi Syari’ah . Untuk itu pemasaran
ini diarahkan untuk mengetahui kebutuhan anggota, calon anggota dan masyarakat
sebagai pengguna Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>dan
memenuhi kebutuhan tersebut sehingga akan menghasilkan laba usaha.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Langkah <span style="mso-spacerun: yes;"> </span>yang harus ditempuh antara lain dengan cara :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Menciptakan Manfaat</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengertian dasar dalam menciptakan
nilai ekonomi adalah yang memilih Skim yang tepat dalam mendanai usaha anggota
maupun masyarakat dengan tingkat margin, bagi hasil dan fee agen yang
kompetitif dan <i>Tren </i>usaha, manfaat waktu, manfaat tempat, manfaat
kepemilikan (kejelasan status), manfaat informasi :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pemilihan
skim pembiayaan usaha dalam hal ini adalah dengan melakukan inovasi berbagai
jenis produk dan transaksi keuangan yang sering terjadi di masyarakat luas
dengan kemudahan fasilitas dan margin, bagi hasil dan <i>fee </i>agen yang
kompetitip..</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tren
</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Usaha,
yaitu kondisi dimana kecenderungan masyarakat dalam melakukan usahanya
berdasarkan permintaan pasar seperti terjadi pada bulan Romadhon, Idul Adha,
Tahun Baru dan sebagainya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Manfaat <span style="mso-spacerun: yes;"> </span>Waktu, adalah waktu transaksi yang dapat diciptakan
secara fleksibel dengan menyediakan pelayanan prima pada saat anggota, calon anggota
dan masyarakat membutuhkannya. Langkah ini harus didahului melalui riset
pemasaran dengan mencari tahu kebutuhan anggaran usaha yang dibutuhkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Manfaat
Tempat dapat diciptakan dengan penyediaan <i>counter-counter </i>bayangan
seperti pelayanan keliling yang strategis, sedapat mungkin memiliki lokasi yang
dekat dengan Masjid Assalam Minomartani, atau di masjid-masjid dalam naungan
YASKARIM di minomartani, karena masjid ataupun tempat usaha merupakan simpul
masyarakat ataupun mudah dari sisi transportasi dengan penampilan dari karyawan
yang baik, ramah dan sopan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Manfaat
kepemilikan. Manfaat bukti kepemilikan diciptakan dengan mempersiapkan
pemindahan hak kepemilikan dari Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>kepada anggota, calon anggota dan masyarakat
atau dengan <i>stake holder </i>lainnya berdasarkan prinsip jual beli, bagi
hasil dan jasa yang dilengkapi surat transaksi. (Surat Jalan, Faktur, Delivery
Order dll). \</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Manfaat
Informasi. Manfaat Informasi dapat diciptakan dengan cara memberikan informasi mengenai
penawaran produk yang dihasilkan Koperasi Serba Usaha Syari’ah Assalam kepada
anggota, calon anggota dan masyarakat, sehingga konsumen akan lebih memahami
tentang produk yang ditawarkannya. Sarana informasi ini dapat menggunakan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Brosur,
Leaflet, Surat Penawaran</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Media
<i>On Line </i>di Internet</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Sumber
informasi pemerintahan dan swasta.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Pendekatan Komplementer Pendekatan
Komplementer adalah pendekatan serba sistem yang mencakup kumpulan
simpul-simpul masyarakat yang melakukan tugas pemasaran, barang, jasa, ide dan
faktor-faktor lingkungan yang saling memberikan pengaruh, dan membentuk serta
mempengaruhi hubungan Koperasi Serba Usaha Syari’ah Assalam dengan anggota,
calon anggota ataupun masyarakatnya. </span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan
Produk Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Merupakan suatu pendekatan pada
pemasaran yang melibatkan bagaimana sebuah produk Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>yang dihasilkan dapat diterima dan dibutuhkan
anggota, calon anggota dan masyarakat pengguna. Proses dan organisasi yang
digunakan disini dibuat untuk masing-masing produk yang ditawarkan dan
dihasilkan baik produk Unit sektor Riil maupun Unit Jasa Keuangan Syari’ah. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mengingat pemasaran membutuhkan desain
produksi, maka Produk Koperasi Serba Usaha Syari’ah Assalam yang dihasilkan
sebaiknya didesain sedemikian rupa agar menarik peminat contohnya pada UJKS
seperti produk tabungan berjangka dinamakan : TASAKA (Tabungan Saleh Artha
Berjangka) atau untuk tabungan <i>wadi’ah </i>dinamakan <i>TAWADHU </i>(Tabungan
Wadhi’ah Umat) persis seperti sifat orang mu’min yang rendah hati. Kata-kata
yang dikenal masyarakat merupakan daya tarik tersendiri bagi masyarakat untuk
lebih mengetahuinya jasa Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>yang ditawarkan.</span></div>
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<img align="left" height="421" hspace="12" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" width="425" /><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan
Lembaga</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan melalui lembaga-yang
terlibat dalam kegiatan pemasaran akan menciptakan mekanisme pasar yang sehat
dan sesuai dengan kebutuhan masing-masing lembaga. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Lembaga yang terlibat antara lain :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penyedia kebutuhan
anggota, calon anggota dan masyarakat, dalam hal ini seperti Dealer
mobil/motor/ toko-toko elektronik</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Suplier terhadap produk
yang ditawarkan. Pengurus Koperasi Serba Usaha Syari’ah Assalam<span style="mso-spacerun: yes;"> </span>hendaknya melihat tren yang ada pada
masyarakat maupun kebijakan moneter pemerintah serta situasi politik yang ada.
Pada tingkat ini produk Koperasi Serba Usaha Syari’ah Assalam dipesan dan harus
didesain menurut kebutuhan dan permintaan masyarakat luas.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Perantara dagang, dalam
hal ini Koperasi Serba Usaha Syari’ah Assalam memberikan referensi produk
unggulan yang dihasilkan baik jenis industry rumah tangga, jasa, kerjasama atau
sebagai agen. Untuk selanjutnya dapat langsung menjualnya kepada anggota maupun
masyarakat. Bila Koperasi Serba Usaha Syari’ah Assalam sebagai perantara Agen,
dapat bertindak selaku perantara kepada konsumen akhir. ataupun sebagai pusat
informasi pasar.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Pendekatan Serba Fungsi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan ini tergantung pada produk
yang ada dan kebiasaan dalam Jual Beli (<i>Al Bai</i>), Jasa (<i>Ijaroh</i>)
dan kerjasama usaha (<i>Mudharabah </i>atau <i>Musyarakah</i>). Dengan
memperhatikan fungsi pokok pemasaran antara lain :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Kemampuan menjual</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Penjualan merupakan fungsi terpenting dalam
pemasaran, karena menjadi tulang punggung Koperasi Serba Usaha Syari’ah Assalam.
Untuk itu perlu berbagai macam cara untuk memajukan penjualan produk dan jasa Koperasi
Serba Usaha Syari’ah Assalam. Akan tetapi perlu juga memperhatikan rambu-rambu
syari’ah sebagaimana hadits yang diiriwayatkan dari Hakim bin Hizam bahwa
Rasulullah Saw bersabda<i>:</i></span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>“Dua orang yang melakukan transaksi jual beli
berdasarkan pilihan selama keduanya belum berpisah. Bila keduanya benar
melakukan transaksi dan membuat jelas segala sesuatu, maka keduanya mendapat
berkah dari transaksi keduanya. Bila keduanya bohong dan menyembunyikan sesuatu,
maka keberkatan keduanya dihapuskan ”</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Desain Produk dengan
berbagai featur seperti hadiah payung, pulpen, bola dan sebagainya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Produk harus didesain menarik dengan
memberikan prototipe yang dapat diperlihatkan kepada anggota, calon anggota dan
masyarakat pengguna jasa Koperasi Serba Usaha Syari’ah Assalam, sehingga dapat menarik
perhatian.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penentuan Harga Jual</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Strategi harga sangat dibutuhkan
sesuai dengan lingkungan persaingan dan segmen pasar. Strategi yang paling umum
adalah menggunakan "<i>Cost-Plus Pricing Method</i>" yaitu penentuan
harga jual dihitung berdasarkan total biaya dengan rumus: </span></div>
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<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="15" width="67"><br /></td>
</tr>
<tr>
<td><br /></td>
<td bgcolor="white" height="54" style="background: white; border: .75pt solid black; vertical-align: top;" width="357"><span style="left: 0pt; mso-ignore: vglayout; position: absolute; z-index: 1;">
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Total
Harga Pokok + Marjin = Harga Jual</span></div>
</div>
</td>
</tr>
</tbody></table>
</span> </td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif";"> </span>
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<br /></div>
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<br /></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Sementara untuk menentukan Total Biaya
adalah: </span></div>
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<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
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<td height="7" width="67"><br /></td>
</tr>
<tr>
<td><br /></td>
<td bgcolor="white" height="54" style="background: white; border: .75pt solid black; vertical-align: top;" width="363"><span style="left: 0pt; mso-ignore: vglayout; position: absolute; z-index: 11;">
<table cellpadding="0" cellspacing="0">
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<div class="MsoNormal">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Biaya
Tetap + Biaya Variabel = Total Biaya.</span></div>
</div>
</td>
</tr>
</tbody></table>
</span> </td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif";"> </span>
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<br /></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Namum demikian manajemen dapat
melakukan langkah dengan melihat kompetiter yang ada mengingat pasar Koperasi Serba
Usaha Syari’ah Assalam termasuk golongan ceruk pasar.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Promosi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Promosi dibutuhkan untuk memperluas
jaringan keanggotaan yang berasal dari masyarakat luas, disertai dengan
informasi produk dan jasa Koperasi Serba Usaha Syari’ah Assalam meliputi jenis
produk pembiayaan ataupun sektor riil dan sebagainya. Sebelum memutuskan
promosi harus diputuskan segmen pasar dan calon anggota pengguna jasa Koperasi
Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kelangkaan Suplai atas Dimand
menyebabkan harga barang tidak stabil dan cenderung naik, untuk menstabilkan
harga dilakukan dengan mencari sumber dan informasi pasar sebanyak-banyaknya. Diriwayatkan
dari Anas bahwa ia mengatakan<i>:</i></span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Harga pernah</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"> <i>mendadak naik pada masa
Rasulullah SAW. Para sahabat mengatakan </i></span></div>
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<br /></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>“ Wahai Rasulullah ! tentukanlah harga untuk
kita ! Beliau menjawab : “ Allah itu sesungguhnya penentu harga, penahan dan
pencurah serta pemberi rizki. Aku mengharapkan dapat menemui tuhanku dimana
salah seorang dari kalian tidak menuntutku karena kezholiman dalam hal darah
dan harta.”</span></i></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Pembelian</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pembelian barang yang menjadi obyek
pembiayaan Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>harus
dipisahkan berdasarkan jenis, kualitas, harga jual, merk maupun mekanisme
pengirimannya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengelola Koperasi Serba Usaha Syari’ah
Assalam harus aktif sehingga konsumen tidak lagi menunggu sampai barang itu
ditawarkan kepadanya. Ia akan melihat sumbernya dari siapa ia akan membeli.</span></div>
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<br /></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Abu Hurairah bahwa
Rasulullah SAW bersabda : “Barang siapa yang membeli makanan, maka ia tidak
menjualnya sampai ia menimbangnya.”.</span></i></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6. Penyimpanan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Barang-barang yang dimiliki Koperasi Serba
Usah Syari’ah Assalam setelah dipilah berdasarkan jenis dan kualitasnya
disimpan dalam penyimpanan yang aman. Penyimpanan ini juga memiliki alasan
antara lain :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menstabilkan
harga, yaitu dengan jalan menimbun hasil komoditi pada saat hasil produk
berlimpah ruah, sehingga harganya rendah. Kemudian menjualnya pada waktu
komoditi dibutuhkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Spekulasi,
yaitu dengan menampung hasil produksi untuk dijual pada saat harga naik.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menjaga
kemungkinan terjadi pembelian dalam jumlah besar.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Perlunya
penyimpanan barang dan jasa selama waktu antara dihasilkan dan dijual, kadang
dalam fase penyimpanan perlu diadakan pengolahan lebih lanjut, seperti
pengadaan barang, produk retail atau eceran.</span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Yahya
putera Sa’id yang mengatakan : Sa’id bin Al Musayap menceritakan bahwa Mu’amar
mengatakan : Rasulullah SAW bersabda : “Orang yang mnimbun barang adalah orang
yang bersalah. “ Kepada Sa’id ditanyakan : Kamu sesungguhnya melakukan
penimbunan barang. Said menjawab : “Mu’ammar yang meriwayatkan hadits ini juga
pernah melakukan penimbunan barang”.</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menurut Muhammad Akram Khan
: Tidak semua penimbun berbuat salah, yaitu orang yang menyimpan barang dalam
waktu tertentu dan menjualnya secara komparatif ada permintaan yang lebih
terhadap barang tersebut, maka orang semacam ini berhak mendapatkan satu bagian
dari produksi karena ia menyimpan barang untuk satu periode tertentu dan
membantu dalam mempertahankan perputaran barang secara tetap dipasar. Sementara
penimbun yang disalahkan dan berdosa adalah orang yang menahan barang di pasar dari
konsumer sesungguhnya untuk tujuan menciptakan kelangkaan artifisial dan dengan
demikian ia mengambil keuntungan yang tidak patut dari masyarakat yang tidak
berdaya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7. Perkuatan Pendanaan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Perkuatan Pendanaan ini merupakan
sebuah fungsi untuk mendapatkan modal dari sumber ekstern. Sumber tersebut antara
lain: <i>Lingkage </i>dengan Bank Umum Syari’ah <span style="mso-spacerun: yes;"> </span>(BUS), Laba BUMN, Proyek Pemerintah, dll. Yakni
dengan <i>market financing </i>yang dimaksudkan fungsi mencari, mengurus modal
uang secara <i>profit sharring </i>ataupun <i>revenue sharring </i>dengan
pihak-pihak tertentu guna melancarkan transaksitransaksi pengalihan barang dari
sumber tertentu kepada Koperasi Serba Usaha Syari’ah Assalam dilanjutkan ke
anggotanya. </span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Konsep Islam membenarkan pemberian
imbalan atas modal dengan tanggung jawab untuk memikul resiko kerugian.
Seseorang dapat menginvestasikan modal kedalam sebuah <i>syirkah </i>(perkongsian,
kemitraan) berdasarkan modal kerja, atau keahliannya.</span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Abu Hurairah dalam
bentuk hadits marfu, yang mengatakan bahwa Allah Ta’ala berfirman : “ Aku
adalah orang ketiga dari dua orang yang bermitra, selama salah satu dari kedua orang
itu tidak menghianati yang lainnya. Bila salah satu berkhianat, Aku keluar dari
orang itu.”.</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">8. Penanggungan Resiko</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Penanggungan resiko adalah fungsi
untuk menghindari dan mengurangi kemungkinan timbulnya resiko dalam pemasaran
seperti:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
yang ditimbulkan oleh alam : banjir, penyakit, ombak.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
yang ditimbulkan oleh manusia : pencurian, perampokan dan Kebakaran.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
yang ditimbulkan oleh pasar : merosotnya harga. dan kelangkaan barang</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Resiko
tersebut dapat dihindari dengan cara-cara seperti memperkecil persediaan barang
dengan memperbanyak order. (<i>Just in Time</i>) atau melakukan stok barang
dengan menggunakan tempat penyimpanan yang baik dan kuat.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">e)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Risiko
Management adalah suatu cara bagaimana mengurangi atau menghindari kerugian
yang timbul karena rusaknya barang, penyusutan,hilangnya barang, atau turunnya
harga sehingga tidak mempengaruhi aktifitas usaha Koperasi Serba Usaha Syari’ah
Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari ‘Amru bin Syu’aib,
dari ayahnya, dari kakeknya, bahwa Rasulullah bersabda : <i>“ Tidak dihalalkan
penjualan yang bukan milik kalian dan tidak pula dihalalkan keuntungan yang
tidak terjamin.”.</i></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">9. Pengumpulan Informasi Pasar.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Keberadaan Koperasi Serba Usaha Syari’ah
Assalam diharapkan dapat menciptanya <i>Business Centre </i>dengan dilengkapi
Unit Jasa Keuangan Syari’ah (UJKS). Sehingga dapat diketahui Produk yang
dihasilkan dan keberadaannya di pasar. Kebutuhan Anggota, calon anggota dan
masyarakat terhadap produk tersebut, dengan indikasi serba mudah, serba murah,
serba ada (<i>One Stop Shopping shariah</i>) sehingga tercipta segmentasi pasar
yang jelas.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Kelangkaan Suplai atas Demand akan
menyebabkan harga barang tidak stabil dan cenderung naik, untuk menstabilkan
harga dilakukan dengan mencari sumber dan informasi pasar sebanyak-banyaknya.</span></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Diriwayatkan dari Anas bahwa ia
mengatakan : Harga pernah mendadak naik pada masa Rasulullah SAW. Para sahabat mengatakan
: “ Wahai Rasulullah ! tentukanlah harga untuk kita !</span></i></div>
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<i><span lang="EN-US" style="font-family: "Arial","sans-serif";">Beliau menjawab : “ Allah itu
sesungguhnya penentu harga, penahan dan pencurah serta pemberi rizki. Aku
mengharapkan dapat menemui tuhanku dimana salah seorang dari kalian tidak
menuntutku karena kezholiman dalam hal darah dan harta.”</span></i></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan
Manajemen</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendekatan ini menitik beratkan pada
sisi manajerial yang mengambil keputusan dalam menentukan kebijakan pemasaran
produk Koperasi Serba Usaha Syari’ah Assalam sebagai suatu kerangka yang
terdiri atas variabel yang dapat dikontrol seperti : pemahaman produk yang
dihasilkan, pengaturan likuiditas, penentuan margin dan promosi, ditambah
dengan variabel yang tidak dapat dikontrol seperti: kompetiter yang ada,
permintaan anggota, calon anggota dan masyarakat.</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">D. Laporan Keuangan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. <b style="mso-bidi-font-weight: normal;">Fungsi Koperasi Serba Usaha Syari’ah Assalam</b>:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Manajer Investasi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Agen
Mudharabah.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Agen
Investasi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Penyedia Jasa Keuangan
(Investor).</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Pengemban fungsi sosial.</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. <b style="mso-bidi-font-weight: normal;">Tujuan </b>:</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Pedoman penyusunan
laporan keuangan Koperasi Serba Usaha Syari’ah Assalam agar sesuai tujuan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengambilan putusan
investasi dan pembiayaan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menilai prospek arus kas</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Memberikan informasi atas
sumber daya ekonomi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Memberikan informasi
kepatuhan Koperasi Serba Usaha Syari’ah Assalam <span style="mso-spacerun: yes;"> </span>terhadap prinsip syari’ah.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)</span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Memberikan informasi
mengenai akad-akad yang harus digunakannya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Memberikan
informasi pemenuhan fungsi sosial Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>terhadap anggota.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Agar laporan keuangan
dapat menjadi daya banding.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Sebagai acuan minimum
penyusunan laporan keuangan.</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">3.
Acuan Penyusunan Laporan Keuangan Koperasi Syari’ah </span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Standar Akutansi PSAK 27</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Standar Akutansi PSAK 59</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) PAPSI 2003</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d)Keputusan Menteri Negara
Koperasi dan Usaha Kecil dan Menengah<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>No.91/KEP/M.KUKM/IX/2004</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4<b style="mso-bidi-font-weight: normal;">. Ketentuan Umum</b></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Tujuan Laporan Keuangan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) Tanggung jawab atas
penyusunan laporan keuangan Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Komponen laporan
keuangan Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d) Bahasa laporan keuangan
Koperasi Serba Usaha Syari’ah Assalam menggunakan Bahasa Indonesia</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">e) Mata uang Rupiah jika
ada penggunaan mata uang asing maka di kurskan ke Rupiah dengan standar Bank
Indonesia. Keuntungan dan kerugian mata uang asing dikurskan ke Rupiah dengan
kurs standar BI.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">f) Kebijakan Akutansi
mencerminkan kehati-hatian, Informasi yang material, sesuai PSAK 27 dan PSAK
59, jika tidak ada dalam PSAK kebijakan harus relevan dan andal bagi seluruh
pengguna.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">g) Penyajian wajar seluruh
komponen laporan Keuangan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">h) Penyajian unsur Neraca :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Aktiva
disajikan berdasarkan likuiditasnya.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kewajiban
disajikan berdasarkan urutan jatuh tempo.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l20 level1 lfo21; text-align: justify; text-autospace: none; text-indent: -20.45pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Investasi
tidak terikat disajikan sebagai unsur tersendiri.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">i) Pemisahan antara
transaksi normal dan transaksi dengan pihak yang memiliki hubungan istimewa.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">j) Laporan Laba Rugi
berjenjang (<i>multiple step</i>)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">k) Catatan Atas Laporan
Keuangan terdiri atas :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Gambaran
umum Koperasi Serba Usaha Syari’ah Assalam.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Ikhtisar
kebjakan akutansi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Penjelasan
pos-pos dalam komponen laporan keuangan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengungkapan
hal-hal penting.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l21 level1 lfo22; text-align: justify; text-autospace: none; text-indent: -20.45pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pernyataan
bahwa “Catatan Atas Laporan Keuangan tidak terpisahkan dari laporan keuangan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">l) Konsistensi Penyajian</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Penyajian
dan klasifikasi pos-pos laporan keuangan harus konsisten kecuali :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Terjadi
perubahan signifikan terhadap sifat operasi Koperasi Syari’ah .</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Perubahan
tersebut diperkenankan PSAK</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Perubahan
penyajian dan klasifikasi pos-pos diberlakukan secara retrospektif dan
diungkapkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Materialitas
dan agregasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saling
Hapus (offsetting) Tidak diperkenankan kecuali :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Secara hukum
dibenarkan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Mencerminkan
penyelesaian aktiva dan kewajibannya</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 64.35pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pos-pos pendapatan dan beban tak boleh
dihapus kecuali Pendapatan dan beban yang berhubungan dengan pos aktiva dan
kewajiban yang disaling hapus</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">m) Periode pelaporan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tahun
takwim</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Koperasi
konvensional saat konversi ke Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>boleh menggunakan periode yang lebih pendek</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">n) Informasi komparatif</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Laporan
Keuangan Tahunan dan interim, atau</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Informasi
naratif dan deskriptif (diungkapkan kembali untuk pemahaman</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 64.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">laporan
keuangan periode berjalan).</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">o) Laporan Keuangan Interim</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bagian
integral dari laporan keuangan tahunan.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 64.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l22 level1 lfo31; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Komponen
laporan keuangan sama dengan laporan keuangan tahunan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">p) Laporan Keuangan
Konsolidasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menggabungkan
pos-pos sejenis yang dimiliki Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>dan cabang-cabangnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 64.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l9 level1 lfo32; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Langkah
konsolidasi :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Transaksi
dan saldo resiprokal dieliminasi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l25 level1 lfo33; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Keuntungan
dan kerugian yang belum direalisasi dieliminasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Tanggal
dan periode laporan keuangan pada dasarnya harus sama, jika berbeda maka
konsolidasi masih dapat dilakukan sepanjang :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tidak lebih dari 3 bulan</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Peristiwa/transaksi material di antara tanggal
pelaporan diungkapkan.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">(3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Jika kedua syarat tidak terpenuhi harus
dilakukan penyesuaian.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 64.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l18 level1 lfo35; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Kebijakan
akutansi sama.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Hak
minoritas dan hak laba minoritas disajikan tersendiri dalam neraca dan laporan
laba rugi.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.2pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">5.
Keterbatasan Laporan Keuangan.</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 45.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) <span style="mso-spacerun: yes;"> </span>Pengambilan keputusan ekonomi tidak
semata-mata didasarkan atas informasi yang terdapat dalam laporan keuangan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 45.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b) <span style="mso-spacerun: yes;"> </span>Laporan keuangan memiliki keterbatasan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bersifat
histories (transaksi dan peristiwa lampau).</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Informasi
dan manfaat bagi pengguna, bersifat umum</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l33 level1 lfo36; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Informasi
khusus pihak tertentu (dipenuhi laporan lain</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l33 level1 lfo36; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Menggunakan
berbagai taksiran dan pertimbangan tertentu</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l33 level1 lfo36; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Hanya
melaporkan informasi yang material</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l33 level1 lfo36; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Bersifat
konservatif;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Dipilih
alternatif perlakuan yang menghasilkan laba bersih atau nilai aktiva yang
paling kecil.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l33 level1 lfo36; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">7)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Penyajian
transaksi dan peristiwa sesuai dengan substansi dan realitas ekonomi dan bukan
bentuk hukumnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l33 level1 lfo36; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">8)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Adanya
berbagai alternatif metode akutansi;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Menimbulkan
variasi dalam pengukuran sumber daya ekonomis dan tingkat kesuksesan Koperasi Serba
Usaha Syari’ah Assalam.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l33 level1 lfo36; text-align: justify; text-autospace: none; text-indent: -22.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">9)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif";">Disusun
dengan menggunakan istilah teknis informasi kualitatif.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 67.5pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">6.
Pencerminan Laporan Keuangan Terhadap Fungsi Koperasi Serba Usaha Syari’ah Assalam.</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<img align="left" height="443" hspace="12" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image004.gif" width="557" /><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">7.
Laporan Keuangan Koperasi Serba Usaha Syari’ah Assalam</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -8.45pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a) Laporan Keuangan Kop.
Jasa Keuangan Serba Usaha Syari’ah Assalam. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 40.5pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -4.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Keputusan Menteri Negara Koperasi dan Usaha
Kecil dan Menengah </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 40.5pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -4.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Nomor<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>: 91/KEP/M.KUKM/IX/2004 </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 40.5pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -4.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tanggal <span style="mso-spacerun: yes;"> </span>: 10 September 2004 </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 99.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -63.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tentang : Petunjuk Pelaksanaan Kegiatan Usaha
Koperasi Jasa Keuangan Syari’ah </span></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt;">ILUSTRASI
NERACA</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt;">KOPERASI
SERBA USAHA <span style="mso-spacerun: yes;"> </span>SYARI’AH ASSALAM</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NERACA 31 DESEMBER 2010 DAN 31 DESEMBER 2011</span></b><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium none; width: 642px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 36.0pt;" width="48">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">NO</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 148.5pt;" width="198">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">NAMA PERKIRAAN</span></b><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" width="42">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 40.5pt;" width="54">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 27.0pt;" width="36">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 150%;">NO</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;" width="180">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">NAMA
PERKIRAAN</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" width="42">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" width="42">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="height: 378.85pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 36.0pt;" valign="top" width="48">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.1</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.2.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.3.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">1.4</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.5</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.6</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.7</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.8</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.9</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.10</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.11</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">1.12</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.13</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.14</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.15</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.16</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.17</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-bidi-font-weight: bold;">1.18</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 148.5pt;" valign="top" width="198">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">AKTIVA</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Kas/ Bank</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Tabungan dan Simpanan pada Bank</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Surat Berharga</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">a. Murabahah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">b. Saham</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">c. Istishna</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Pembiayaan Mudharabh</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Pembiayaan Musyarakah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Pinjaman Qardh</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">(Peny. Pengahpusan Pembiayaan)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang Anggota dan pihak lain.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Penyertaan pada Koperasi<span style="mso-spacerun: yes;"> </span>Anggota dan Pihak Lain.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: -1.95pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Persediaan (untuk dijual).</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Ijarah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Aktiva Istishna dalam penyelesaian</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Aktiva Tetap</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">(akumulasi Penyusutan Aktiva Tetap)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang Pendapatan Bagi Hasil</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Piutang Pendapatan Ijarah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Aktiva Lain-lain.</span><b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 40.5pt;" valign="top" width="54">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 27.0pt;" valign="top" width="36">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.1</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.2</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.3</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.4</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.5</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.6</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.7</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">2.8</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.1</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.2</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.3</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.4</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.5</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.6</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">3.7</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;" valign="top" width="180">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">KEWAJIBAN</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Kewajiban segera</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Tabungan Wagdiah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Hutang Salam</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Hutang Istishna</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Kewajiban Lain-lain</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Pembiayaan yang diterima</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">INVESTASI TIDAK
TERIKAT</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Tabungan Mudharabah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Simpanan Berjangka Mudharabah</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">EKUITAS</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Anggota</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">a. Simpanan Pokok</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">b. Simpana Wajib</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Penyertaraan</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Penyertaan</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Cadangan Umum</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Cadangan Tujuan Resiko</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">Modal Sumbangan</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-font-weight: bold;">SHU Belum dibagi</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Jumlah
Ekuitas</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 378.85pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 36.0pt;" valign="top" width="48">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 148.5pt;" valign="top" width="198">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Jumlah
Aktiva</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 40.5pt;" valign="top" width="54">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 27.0pt;" valign="top" width="36">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;" valign="top" width="180">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Jumlah Kewajiban
& Modal</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
</tbody></table>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERHITUNGAN
HASIL USAHA</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KOPERASI SERBA
USAHA SYARI’AH ASSALAM</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERIODE
TANGGAL 1 JANUARI 2010 S/D 31 DESEMBER 2011</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">DENGAN
PERBANDINGAN </span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERIODE <span style="mso-spacerun: yes;"> </span>TANGGAL 1 JANUARI 2010 S/D 31 DESEMBER 2011</span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.6pt;">
<br /></div>
<div align="center">
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium none; width: 596px;">
<tbody>
<tr style="height: 26.95pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 32.95pt;" width="44">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">No</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 234.0pt;" width="312">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PENDAPATAN
& BEBAN OPERASI UTAMA</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" width="120">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Tahun 2010</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;"></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.95pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" width="120">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Tahun 2011</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;"></span></div>
</td>
</tr>
<tr style="height: 523.3pt; mso-yfti-irow: 1; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 32.95pt;" valign="top" width="44">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.1.</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">1.4</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">2.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">2.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">4</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">4.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">4.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">5</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">6.3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.1</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.2</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.3</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">7.4</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 234.0pt;" valign="top" width="312">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan
Jual-Beli :</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Marjin
Murabahah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bersih Salam
Paralel </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bersih Istishna
Paralel </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Ijarah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan dari Bagi Hasil
:</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bagi Hasil
Mudharabah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bagi Hasil
Musyarakah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Operasi Utama
Lainnya</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Bagi Hasil
Simpanan pada Bank </span></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<br /></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Jumlah
Pendapatan Operasi Utama </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="4" width="302"><br /></td>
</tr>
<tr>
<td><br /></td>
<td><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image005.gif" width="241" /></td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;"> </span>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Bagi Hasil Investasi
Tidak Terikat :</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Bagi Hasil Tabungan
Mudharabah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Bagi Hasil Simpanan
Berjangka Mudharabah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Bagi Hasil Pembiayan
Yang Diterima : </span></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="5" width="302"><br /></td>
</tr>
<tr>
<td><br /></td>
<td><img height="4" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image006.gif" width="238" /></td>
</tr>
</tbody></table>
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;"> </span>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Koperasi Sebagai Mudharib </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Operasi Lainnya
:</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan Fee Qardh </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Pendapatan jasa
administrasi </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Administrasi
Pembiayaan Yang Diterima </span></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<br /></div>
<div align="right" class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: right; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Jumlah
Pendapatan Operasi lainnya </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Operasional Lainnya</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Bonus Wadiah </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Umum &
Administrasi </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban Kantor/ Organisasi
Pusat (Untuk UKMS) </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 12.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none; text-indent: -9.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Beban
Operasional Lainnya </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.6pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;">Jumlah
Beban Operasi lainnya </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt;"><span style="mso-spacerun: yes;"> </span>Pendapatan Operasional Kotor </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt;"></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Hasil Usaha/ Rugi Usaha</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" valign="top" width="120">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="height: 12px; left: -7px; mso-ignore: vglayout; position: relative; top: 8px; width: 238px; z-index: 4;"><img height="4" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image007.gif" width="238" /></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="mso-ignore: vglayout; position: relative; z-index: 7;"><span style="height: 5px; left: -7px; left: 0px; position: absolute; top: -1px; width: 238px;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image008.gif" width="238" /></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="height: 11px; left: -7px; mso-ignore: vglayout; position: relative; top: 6px; width: 238px; z-index: 8;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image009.gif" width="238" /></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="mso-ignore: vglayout; position: relative; z-index: 9;"><span style="height: 5px; left: -7px; left: 0px; position: absolute; top: -2px; width: 238px;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image008.gif" width="238" /></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="height: 5px; margin-left: -7px; margin-top: 14px; mso-ignore: vglayout; position: absolute; width: 238px; z-index: 10;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image010.gif" width="238" /></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp. XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="mso-ignore: vglayout; position: relative; z-index: 14;"><span style="height: 5px; left: -7px; left: 0px; position: absolute; top: -1px; width: 238px;"><img height="5" src="file:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image010.gif" width="238" /></span></span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;"> </span></div>
<br clear="ALL" style="mso-ignore: vglayout;" />
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.
XXXXXX </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.
XXXXXX </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 523.3pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 90.0pt;" valign="top" width="120">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">(Rp.
XXXXXX)</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">Rp.
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.</span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">
XXXXXX</span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;"> </span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.</span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;">
XXXXXX</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;">Rp.
XXXXXX </span><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 115%;"></span></div>
</td>
</tr>
</tbody></table>
</div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">LAPORAN ARUS
KAS</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KOPERASI SERBA
USAHA SYARI’AH ASSALAM</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: -21.25pt;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Untuk Periode
yang Berakhir Tanggal 31 Desember 2011</span></b></div>
<div align="center">
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KETERANGAN </span></b></div>
</td>
<td colspan="2" style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 184.5pt;" valign="top" width="246">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">JUMLAH (
Rp )</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Masuk</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Awal</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penerimaan Pendapatan
:</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Marjin Murabahah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Salam Paralel </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Istishna Paralel </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Ijarah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 8;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penerimaan Pendapatan
Bagi Hasil : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 9;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 10;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 11;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Musyarakah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 12;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Simpanan pada Bank</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 13;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penerimaan Pendapatan
Lainnya : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 14;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Fee Qardh</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 15;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Jasa Administrasi </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 16;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 17;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Penerimaan Piutang : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 18;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Anggota </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 19;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Pihak Lain </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 20;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penerimaan Setoran :</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 21;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 22;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 23;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Simpanan Pokok</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 24;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Simpanan Wajib</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 25;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Penerimaan Kas
Bulan……</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 26;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Total Arus Kas Masuk </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 27;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Keluar</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 28;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penyaluran Pinjaman
Qardh </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 29;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 30;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penyaluran Pembiayaan
: </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 31;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 32;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Musyarakah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 33;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 34;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Pembayaran Bagi Hasil
:</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 35;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 36;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 37;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 38;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Pembayaran Beban </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 39;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Administrasi Pembiayaan yg Diterima </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 40;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Bonus Wadiah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 41;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Umum & Administrasi </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 42;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Operasional lainnya </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 43;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 44;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penyerahan : </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 45;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">a.
Tabungan Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 46;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">b.
Simpanan Berjangka Mudharabah </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 47;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">c.
Simpanan Pokok </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 48;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 13.5pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">d.
Simpanan Wajib </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 49;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 50;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">6. Pembayaran hutang </span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 51;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">7. Pembelian Perlengkapan
</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 52;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">8. Pembelian Aktiva Tetap
</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 53;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pengeluaran Kas
Bulan….. </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 54; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 266.4pt;" valign="top" width="355">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Akhir </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 85.5pt;" valign="top" width="114">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
</td>
</tr>
</tbody></table>
</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -21.25pt;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NO</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NAMA</span></i></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">PERKIRAAN</span></i></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NO
</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">NAMA
PERKIRAAN</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2010</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2011</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="height: 16.6pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">AKTIVA </span></i></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">KEWAJIBAN</span></i></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 16.6pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="height: 17.05pt; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.1</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">. Kas / Bank </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.1</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Kewajiban segera</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 17.05pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.2</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Tabungan dan Simpanan<span style="mso-spacerun: yes;"> </span></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.2</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Tabungan Wadiah</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Pada Bank </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.3</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Hutang Salam</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.3</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Surat Berharga </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.4</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Hutang Istishna</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.4</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Piutang : </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.5</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Modal Tidak Tetap</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 8;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">a. Murabahah </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">2.6</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Kewajiban Lain-Lain</span></i><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 9;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">b. Salam </span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Jumlah Kewajiban</span></i></b><span lang="EN-US" style="font-family: "Arial","sans-serif";"></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 10;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">c. Istishna</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 11;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.5 Pembiayaan Mudharabah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 12;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.6 Pembiayaan Musyarakah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 13;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.7 Pinjaman Qardh <b>INVESTASI
TIDAK TERIKAT</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 14;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.8 (Penyisihan
Penghapusan 2.7 Tabungan Mudharabah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 15;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Pembiayaan) 2.8 Simpanan
Berjangka</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 16;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Mudharabah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 17;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.9 Piutang Anggota dan <b>Jumlah
Investasi</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 18;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Pihak Lain <b>Tidak
Terikat</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 19;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.10 Persediaan (untuk
dijual)</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 20;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.11 Ijarah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 21;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.12 Aktiva Istishna Dalam
3 <b>EKUITAS</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 22;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Penyelesaian 3.1 Modal
Disetor</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 23;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.13 Aktiva tetap 3.2
Modal Tetap Tambahan</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 24;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.14 (Akumulasi
Penysusutan 3.3 Cadangan Umum</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 25;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Aktiva tetap) 3.4 Cadangan
Tujuan Resiko</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 26;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.15 Piutang Pendapatan
3.5 SHU Belum Dibagi</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 27;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Bagi Hasil <b>Jumlah
Ekuitas</b></span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 28;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.16 Piutang Pendapatan
Ijarah</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 29;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">1.17 Aktiva Lain-Lain</span></i></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 30.85pt;" valign="top" width="41">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 24.3pt;" valign="top" width="32">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 30; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 147.6pt;" valign="top" width="197">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 150%;">Jumlah Aktiva Jumlah
Kewajiban & Modal</span></i></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 31.5pt;" valign="top" width="42">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
</td>
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<br /></div>
</td>
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<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 158.55pt;" valign="top" width="211">
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<br /></div>
</td>
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<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top">
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<br /></div>
</td>
</tr>
</tbody></table>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">ILUSTRASI
NERACA UNIT JASA KEUANGAN SYARI’AH</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">NERACA 31
DESEMBER 2001 DAN 31 DESEMBER 2001</span></b></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERHITUNGAN
HASIL USAHA</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">UNIT JASA
KEUANGAN SYARI’AH</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">PERIODE
TANGGAL 1 JANUARI 2001 S/D 31 DESEMBER 200X1</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">DENGAN
PERBANDINGAN PERIODE TANGGAL 1 JANUARI 2001 S/D 31 DESEMBER 2001</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">A <b>PENDAPATAN & BEBAN
OPERASI UTAMA Tahun 200X Tahun 200X</b></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1 Pendapatan Jual-Beli :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.1. Pendapatan Marjin
Murabahah Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.2 Pendapatan Bersih Salam
Paralel Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.3 Pendapatan Bersih
Istishna Paralel Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1.4 Pendapatan Ijarah Rp.
XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2 Pendapatan dari Bagi
Hasil :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2.1 Pendapatan Bagi Hasil
Mudharabah Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2.2 Pendapatan Bagi Hasil
Musyarakah Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3 Pendapatan Operasi Utama
Lainnya</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendapatan Bagi Hasil
Simpanan pada Bank Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pendapatan Operasi
Utama Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4 Beban Bagi Hasil
Investasi Tidak Terikat :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4.1 Bagi Hasil Tabungan
Mudharabah (Rp. XXXXXX) (Rp. XXXXXX)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4.2 Bagi Hasil Simpanan
Berjangka Mudharabah (Rp. XXXXXX) (Rp. XXXXXX)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5 Beban Bagi Hasil Pembiayan
Yang Diterima : (Rp. XXXXXX) (Rp. XXXXXX)</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendapatan Koperasi Sebagai
Mudharib Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6 Pendapatan Operasi
Lainnya :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6.1 Pendapatan Fee Qardh
Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6.2 Pendapatan jasa
administrasi Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6.3 Beban Administrasi
Pembiayaan Yang Diterima Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pendapatan Operasi
lainnya Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7 Beban Operasional Lainnya</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.1 Beban Bonus Wadiah Rp.
XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.2 Beban Umum &
Administrasi Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.3 Beban Kantor/
Organisasi Pusat (Untuk UKMS) Rp. XXXXXX Rp. XXXXXX</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7.4 Beban Operasional
Lainnya Rp. XXXXXX Rp. XXXXXX</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Beban Operasional
Lainnya </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Rp.
XXXXXX Rp. XXXXXX</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pendapatan Operasional
Kotor </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Rp.
XXXXXX Rp. XXXXXX</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Hasil Usaha/ Rugi Usaha </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Rp. XXXXXX Rp. XXXXXX</span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">LAPORAN ARUS KAS</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">UNIT JASA KEUANGAN SYARI’AH
</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Untuk Periode yang Berakhir
Tanggal…..</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">KETERANGAN JUMLAH ( Rp )</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Masuk</span></b></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Awal </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penerimaan Pendapatan :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Marjin Murabahah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Salam Paralel</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c. Istishna Paralel</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d. Ijarah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penerimaan Pendapatan
Bagi Hasil : xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c. Musyarakah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d. Simpanan pada Bank</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Penerimaan Pendapatan
Lainnya : xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Fee Qardh</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Jasa Administrasi</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Penerimaan Piutang :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Anggota</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Pihak Lain</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penerimaan Setoran :</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Penerimaan Kas
Bulan…… </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Total Arus Kas Masuk </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<br /></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">KETERANGAN JUMLAH (Rp)</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Arus Kas Keluar</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">1. Penyaluran Pinjaman
Qardh xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">2. Penyaluran Pembiayaan :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Mudharabah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Musyarakah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">3. Pembayaran Bagi Hasil :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">4. Pembayaran Beban :
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Administrasi Pembiayaan
yg Diterima xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Bonus Wadiah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c. Umum & Administrasi
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">d. Operasional lainnya
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">5. Penyerahan : xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">a. Tabungan Mudharabah
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">b. Simpanan Berjangka
Mudharabah xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">6. Pembayaran hutang
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">7. Pembelian Perlengkapan
xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">8. Pembelian Aktiva Tetap
xxxxxxxx</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Jumlah Pengeluaran Kas
Bulan….. </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<b><span lang="EN-US" style="font-family: "Arial","sans-serif";">Saldo Akhir </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif";">xxxxxxxx</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">c) Laporan Koperasi Syari’ah
</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Bagi Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>pada prinsipnya sama dengan Laporan Keuangan
Koperasi Jasa Keuangan Syari’ah <span style="mso-spacerun: yes;"> </span>hanya
ditambah investasi sektor Riil pada neraca konsolidasi. Hal ini dimaklumi dan
dapat dilihat dari segi fiqih muamalahnya. Sektor Riil seperti kantin, toko
khususnya transaksi jual beli secara tunai (<i>Bai al Musawwamah</i>) yang
merupakan ciri khas koperasi serba usaha dapat dimasukan pada investasi <i>mudharabah
</i>yang sumber permodalannya di dapat dari modal koperasi itu sendiri atau
dari pihak lain sebagai investasi terikat ataupun investasi tidak terikat. Maka
sewajarnya jika Menteri Negara Koperasi segera mengeluarkan Surat keputusannya
mengenai Koperasi Syari’ah <span style="mso-spacerun: yes;"> </span>yang serba
usaha sebagaimana keputusan menteri yang dikeluarkan bagi Koperasi Jasa Keuangan
Syari’ah . Sehingga semua jenis koperasi dapat beoperasional secara Syari’ah .</span></div>
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Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-84527612967287969892012-04-04T23:10:00.000-07:002012-04-04T23:10:39.495-07:00Manajemen Koperasi<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">KOPERASI KSU SYARIAH ASSALAM</span></b></div>
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<span lang="EN-US" style="font-size: 11.5pt;">Konsep pendirian Koperasi
Syariah menggunakan konsep <b><i>Syirkah Mufawadhoh</i></b> yakni sebuah usaha
yang didirikan secara bersama-sama oleh dua orang atau lebih, masing-masing memberikan kontribusi dana
dalam porsi yang sama besar dan berpartisipasi dalam kerja dengan bobot yang
sama pula. Masing-masing partner saling menanggung satu sama lain dalam hak dan
kewajiban. Dan tidak diperkenankan salah seorang memasukan modal yang lebih
besar dan memperoleh keuntungan yang lebih besar pula dibanding dengan partner
lainnya.</span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 11.5pt;">Azas
usaha Koperasi Syariah berdasarkan konsep gotong royong, dan tidak dimonopoli
oleh salah seorang pemilik modal. Begitu pula dalam hal keuntungan yang
diperoleh maupun kerugian yang diderita harus dibagi secara sama dan
proporsional.</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt;"></span></div>
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<br /></div>
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<span lang="EN-US" style="font-size: 12pt;">Koperasi sebagai organisasi
berazas kerjasama untuk menuju kesejahteraan bersama. Oleh karenanya tergantung
dari usaha nyata membentuk modal usaha, menumbuhkan dan mengembangkan daya
upaya dengan menyatukan pandangan, pemikiran dan arah koperasi.</span></div>
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<span lang="EN-US" style="font-size: 12pt;">Dalam kaitannya sebagaimana
tersebut di atas perlu adanya motivasi seluruh anggota memperlancar dan
meningkatkan daya upaya serta kerjasama.</span></div>
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<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Kerjasama dilandasi oleh hal-hal :</span></div>
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<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">Ø<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Memanfaatkan potensi yang
ada</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">Ø<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Berkontribusi atas wawasan
usaha</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">Ø<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Antusias dan peduli
terhadap hambatan, tantangan dan resiko</span></div>
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<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">Ø<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Integritas pengurus dalam
mengelola asset bersama</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">Ø<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Rasa kebersamaan dalam
mengelola dan tanggung jawab bagi pengurus</span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l2 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">Ø<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Menjunjung tinggi
kepentingan bersama.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Prospek
Usaha</span></b><span lang="EN-US" style="font-size: 12pt; line-height: 115%;"> :</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Koperasi Serba Usaha Syariah Assalam
muncul dari keinginan untuk memudahkan pemenuhan kebutuhan internal di wilayah
Masjid yang beraspek ekonomi dan spiritual.</span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo3; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">v<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Usaha beraspek ekonomi
adalah :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo2; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">1.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Mengadakan kebutuhan pokok rumah tangga</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.5pt; mso-add-space: auto; mso-list: l6 level1 lfo2; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -13.5pt;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">2.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Jasa yang menyangkut pemenuhan peraturan dan tuntutan pemilikan
kendaraan dan lainnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo2; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">3.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Kemitraan usaha dengan pelaku usaha ritel yang ada disekitar
masyarakat.</span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo3; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Wingdings; font-size: 12pt; line-height: 115%;">v<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Usaha beraspek spiritual
dalam batas memenuhi sarana yang dibutuhkan seperti : Tabungan Qurban dan
pengadaan hewan Qurban, Dana Talangan
Haji dan Umroh.</span></div>
<div class="MsoNormal" style="tab-stops: 36.0pt 49.5pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Usaha awal yang diupayakan
adalah :</span></div>
<div class="MsoNormal" style="tab-stops: 36.0pt 49.5pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Kebutuhan pokok rumah
tangga :</span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l7 level1 lfo4; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Symbol; font-size: 12pt; line-height: 115%;">·<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Jual beli beras, gula, minyak goreng dll.</span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l7 level1 lfo4; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Symbol; font-size: 12pt; line-height: 115%;">·<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Melayani permintaan khusus suatu keperluan rumah tangga.</span></div>
<div class="MsoNormal" style="tab-stops: 36.0pt 49.5pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Usaha Jasa :</span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l4 level1 lfo5; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Symbol; font-size: 12pt; line-height: 115%;">·<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Pengurusan perpanjangan STNK</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l4 level1 lfo5; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Symbol; font-size: 12pt; line-height: 115%;">·<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Pengurusan pembayaran listrik dan air minum</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l4 level1 lfo5; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Symbol; font-size: 12pt; line-height: 115%;">·<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Jasa angkutan dan transportasi</span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l4 level1 lfo5; tab-stops: 36.0pt 49.5pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: Symbol; font-size: 12pt; line-height: 115%;">·<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Simpan pinjam untuk hal-hal yang darurat</span></div>
<div class="MsoNormal" style="tab-stops: 36.0pt 49.5pt; text-align: justify;">
<span lang="EN-US" style="font-size: 12pt; line-height: 115%;">Gambaran aktivitas KSU
Syariah Assalam tertera pada Rencana Kegiatan Usaha dan Rencana Anggaran Biaya
dan Pendapatan.</span></div>
<div class="MsoNormal" style="line-height: 150%;">
<b><span lang="EN-US">PENGELOLAAN
USAHA KSU SYARI’AH ASSALAM</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level2 lfo6; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">(1)<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">Pengurus dapat secara langsung
melakukan pengelolaan kegiatan usaha Koperasi atau mendirikan <i style="mso-bidi-font-style: normal;">Strategic Business Unit</i> yang dikelola
secara otonom dan profesional;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level2 lfo6; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">(2)<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">Pengelolaan usaha Koperasi
dapat dilakukan oleh Direksi/ Manager dengan dibantu beberapa orang karyawan
yang diangkat oleh Pengurus melalui perjanjian atau kontrak kerja yang dibuat
secara tertulis;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level2 lfo6; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">(3)<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">Pengangkatan seperti tersebut
pada ayat (1) dan (2) diatas setelah mendapat persetujuan dari Rapat Anggota.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level2 lfo6; text-align: justify; text-indent: -19.5pt;">
<span lang="EN-US">(4)<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">Dalam hal pengelolaan usaha
dilaksanakan oleh Direksi/Manajer, Pengurus wajib menetapkan pedoman
pelaksanaan, pengelolaan usaha/Standar Operasional Prosedur yang disahkan oleh
Rapat Anggota;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level2 lfo6; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">(5)<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">Persyaratan untuk diangkat
menjadi Direksi/Manager adalah :</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">a.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">mempunyai keahlian di bidang
usaha atau pernah mengikuti pelatihan dibidang usaha koperasi atau magang dalam
usaha Koperasi;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">b.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">mempunyai pengetahuan dan
wawasan dibidang usaha;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">c.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US">tidak pernah melakukan tindakan
tercela dibidang keuangan dan atau dihukum karena terbukti melakukan tindak
pidana dibidang keuangan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">d.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">memiliki moral dan akhlak yang
baik; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">e.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">tidak sedang dalam proses
tindak pidana apapun. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level2 lfo6; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">(6)<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">Dalam melaksanakan tugasnya
Direksi/Manager bertanggung jawab kepada Pengurus. </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<b><span lang="EN-US">Tugas dan kewajiban Direksi/ Manager adalah : </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level2 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">a.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">melaksanakan kebijakan Pengurus
dalam pengelolaan usaha Koperasi;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level2 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">b.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US">mengendalikan dan mengkoordinir
semua kegiatan Usaha Koperasi yang dilaksanakan oleh para karyawan; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level2 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">c.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">melakukan pembagian tugas
secara jelas dan tegas mengenai bidang pelaksanaannya;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level2 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">d.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">mentaati segala ketentuan yang
telah diatur dalam Anggaran Dasar, Anggaran Rumah Tangga, keputusan Rapat
Anggota, Kontrak Kerja dan ketentuan lainnya yang berlaku pada Koperasi yang
berkaitan dengan pekerjaannya;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level2 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">e.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US">menanggung kerugian usaha
Koperasi akibat dari kelalaian dan atau tindakan yang disengaja atas
pelaksanaan tugas yang dilimpahkan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level2 lfo7; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">f.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">Sebelum menandatangani kontrak
kerja, Direksi/Manager harus menyerahkan jaminan yang akan diatur lebih lanjut
dalam Anggaran Rumah Tangga atau peraturan khusus. </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<b><span lang="EN-US">Hak dan wewenang Direksi/Manager : </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">a.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="EN-US">menerima penghasilan sesuai
dengan perjanjian kerja yang telah disepakati dan ditandatangani bersama oleh
Pengurus dan Direksi/Manager;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">b.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">mengembangkan usaha dan
kemampuan diri untuk melaksanakan tugas yang dibebankan; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">c.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">membela diri atas segala
tuntutan yang ditujukan kepada dirinya;</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US">d.<span style="font: 7pt "Times New Roman";">
</span></span><span lang="EN-US">bertindak untuk dan atas nama
Pengurus dalam menjalankan usaha.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-US">Ketentuan lebih lanjut mengenai susunan, tugas, kewajiban, hak dan
wewenang Direksi/ Manager diatur dalam Anggaran Rumah Tangga, atau peraturan
khusus dan kontrak kerja.-</span></div>
<div align="right" class="MsoNormal" style="line-height: 150%; text-align: right;">
<span lang="EN-US">(Pasal 33 sd. Pasal 36 AD KSU Syari’ah Assalam)</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">PENGELOLA DAN KARYAWAN</span></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Pengelola</span></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(1)
Jabatan Pengelola koperasi selanjutnya disebut General Manager.</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(2)
Genaral Manager merupakan jabatan tertinggi dalam karyawan koperasi.</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(3)
Dalam pelaksanaan tugasnya General Manager dibantu beberapa Manager dan
beberapa staff yang mempunyai status karyawan yang jumlahnya disesuaikan dengan
kebutuhan.</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(4)
General Manager wajib bekerja penuh untuk koperasi dan dilarang merangkap
jabatan ditempat lain dimana hari dan jam kerjanya sama dengan yang berjalan di
koperasi.</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(5)
Masa kerja General Manager maksimal 3 (tiga) tahun, dan dapat diperbaharui
setiap tahun setelah habis kontrak, dan dapat diperpanjang lagi bilamana
terbukti mampu dan berprestasi. (ART
Pasal 41)</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Perjanjian Kerja Pengelola</span></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">Perjanjian
kerja antara Pengurus dan General Manager sekurang-kurangnya memuat</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">antara
lain :</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(1)
Uraian tugas pokok.</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(2)
Batasan wewenang.</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(3)
Hak dan kewajiban.</span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span lang="EN-US" style="font-family: "Arial","sans-serif";">(4)
Imbalan/upah/pendapatan General Manager.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(5)
Hari, jam kerja dan cuti.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(6)
Sangsi-sangsi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(7)
Penggunaan fasilitas dan peralatan koperasi.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(8)
Target usaha.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";"> </span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif";">Karyawan</span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(1)
Yang dianggap Karyawan koperasi adalah seorang yang mempunyai hubungan kerja
dengan koperasi atas dasar perikatan dan peraturan yang berlaku.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(2)
Pangkat dan jabatan Karyawan ditetapkan berdasarkan keputusan Rapat Pengurus
melalui surat keputusan pengurus yang disesuaikan dengan struktur organisasi
dan peraturan lainnya yang berlaku.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(3)
Karyawan yang terbukti berprestasi dan dinilai mampu oleh Pengurus dapat
dipromosikan dan dicalonkan sebagai calon Manager/General Manager.</span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif";">(4)
Hal yang menyangkut tentang kekaryawanan lebih lanjut akan diatur dalam
Peraturan Khusus dan Keputusan Pengurus. (ART Pasal 43)</span></div>
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Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-80591096200159131002011-12-12T16:56:00.000-08:002011-12-21T16:57:24.051-08:00Menawarkan Tabungan Qurban<div dir="ltr" style="text-align: left;" trbidi="on">
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<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="color: blue; font-family: Calibri; font-size: large;">Assalamu’alaikum w.w.</span></i></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"><span style="mso-tab-count: 1;"> </span></span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> Puji syukur kami panjatkan ke hadirat </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Allah SWT</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">. atas segala kenikmatan yang </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">terlimpahkan kepada kita semua, salam dan </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">sholawat kami sampaikan kepada Junjungan </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">kita Nabi Muhammad saw.</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"><span style="mso-tab-count: 1;"> </span></span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> Dalam rangka meningkatkan pelayanan </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">kami </span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">pada jama’ah Masjid Assalam, Kami menawarkan program Tabungan Qurban yang </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">bertujuan, </span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">disamping untuk meringankan Jama’ah Masjid Assalam yang akan berqurban, juga </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">memudahkan Panitia dalam mendata Shohibul Qurban, sehingga pengadaan hewan qurban </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">bisa direncanakan lebih dini.</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"><span style="mso-tab-count: 1;"> </span></span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> Adapun teknis pelaksanaannya diatur sebagai berikut :</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">1.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Pendaftaran dibuka sejak bulan Desember 2011 dan seterusnya dengan setoran awal </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> ditetapkan minimal Rp 100.000,- (seratus ribu rupiah).</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">2.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Setoran selanjutnya, ditetapkan minimal Rp 50.000,- (lima puluh ribu rupiah).</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">3.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Bila jumlah tabungan belum mencukupi harga hewan qurban pada periode tersebut, maka </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> Nasabah diminta untuk menutup kekurangannya atau menunda Qurbannya untuk periode </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> berikutnya.</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">4.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Kami menentukan 7 (tujuh) Nasabah/ekor sapi dan pembeliannya diserahkan pada Panitia.</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">5.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Kami melayani Nasabah yang akan membeli hewan qurban kambing, dengan harga sesuai </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> kambing yang tersedia (Nasabah memilih sendiri kambingnya).</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">6.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Semua uang Tabungan Qurban disimpan di BTN Syari’ah Cabang Yogyakarta.</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">7.</span><span style="font-family: "Times New Roman";"> Jika diperoleh bagi hasil,</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> mohon diikhlaskan untuk KSU Syari’ah Assalam sebagai biaya </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> pemeliharaan rekening di Bank.</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">8.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Bagi Nasabah yang sudah menabung pada periode yang lalu, bisa melanjutkan </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> tabungannya.</span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">9.</span><span style="font-family: "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Pendaftaran dan setoran dilayani pada setiap ba’da sholat berjama’ah di Masjid Assalam </span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"> pada Pengurus Koperasi atau Ibu Heru Widiastono (Jl. Layur II/6). </span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Calibri", "sans-serif"; font-size: 11pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Demikianlah penawaran dari Kami, dengan harapan Bapak/Ibu/Sdr/I dapat ikut berpartisipasi dalam Program Tabungan Qurban ini dan atas perhatian dan kerjasamanya kami ucapkan terima kasih.</span></b></div>
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Bersama Berbagi Solusi Syari'ah Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>
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</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0Minomartani, Ngaglik, Indonesia-7.738447 110.405818-7.754181 110.386077 -7.722713 110.42555899999999tag:blogger.com,1999:blog-2992308932947570326.post-51175356146079311412011-09-11T17:58:00.000-07:002011-09-11T17:58:16.080-07:00<div dir="ltr" style="text-align: left;" trbidi="on">
<h6 class="uiStreamMessage" data-ft="{"type":1}">
<span class="messageBody" data-ft="{"type":3}">Ass wr wb, Mari BerQurban! KSU <a data-hovercard="/ajax/hovercard/user.php?id=100000507384306" href="http://www.facebook.com/profile.php?id=100000507384306">Ksusyariah Assalam</a>
siap melayani kebutuhan hewan Qurban kambing dan sapi meunrut syariat
Islam, Hiegneis dan Halal dlm pengawasan <span style="color: blue;">Dokter Hewan </span>dan <span style="color: blue;">ahli
Peternakan.</span></span></h6>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglTyF0vBLJMRolIJuhBzGKRD1iNe5fe4KLb55YiuZbDdE-b8uTlSFXRK7jSqP2XNkbgzFzQoWaqUAR9wOXxI2gbzY4UbH1foO7MhIq-2pYwUhx4f2ge7Fa42ej5IUmkAHkzNXkBH92dxc/s1600/DSC_0002.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglTyF0vBLJMRolIJuhBzGKRD1iNe5fe4KLb55YiuZbDdE-b8uTlSFXRK7jSqP2XNkbgzFzQoWaqUAR9wOXxI2gbzY4UbH1foO7MhIq-2pYwUhx4f2ge7Fa42ej5IUmkAHkzNXkBH92dxc/s320/DSC_0002.JPG" width="320" /></a></div>
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<br />
Bersama Berbagi Solusi Syari'ah
Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>
Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-2617267689199609132011-08-02T18:44:00.000-07:002011-08-02T18:44:17.885-07:00Bazar Assalam Minomartani<div dir="ltr" style="text-align: left;" trbidi="on">Kunjungi dan ikuti Bazar<br />
di halaman masjid Assalam Minomartani,<br />
Minggu, 7 Agustus 2011<br />
mulai jam 8.00 sd. 16.00 WIB<br />
<br />
<br />
Bersama Berbagi Solusi Syari'ah Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman </div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com1tag:blogger.com,1999:blog-2992308932947570326.post-73875478922494757832011-06-05T17:57:00.000-07:002011-06-05T17:58:33.184-07:00Fitrah Manusia Makhluk Mulia<div dir="ltr" style="text-align: left;" trbidi="on"><a href="http://id.berita.yahoo.com/jakarta-lengang-051134289.html"> </a><br />
<div class="MsoNormal"><b><span style="color: red; font-family: "Verdana","sans-serif"; font-size: 16pt;">Fitrah Manusia Makhluk Mulia</span></b><span style="font-family: "Verdana","sans-serif"; font-size: 16pt;"></span></div><div class="MsoNormal"><span style="font-family: "Verdana","sans-serif"; font-size: 16pt;">Fitrah manusia sebenarnya sebagai makhluk mulia, sempurna dan baik. “Fitrah manusia itu seharusnya dijaga dengan perilaku yang baik pula,” katanya. Hanya dalam kenyataannya, manusia selalu saja dalam kegelisahan karena persoalan hidup yang melilitnya. Fitrah sebagai manusia sempurna, tidak terjaga karena perilaku yang tidak terpuji.<br />
<br />
</span><span style="font-family: "Verdana","sans-serif"; font-size: 16pt;">M</span><span lang="SV" style="font-family: "Verdana","sans-serif"; font-size: 16pt;">anusia senantiasa dililit permasalahan dengan jiwa yang selalu berontak. “Sikap berontak manakala tuntutan manusia tidak terpenuhi,” Manusia itu sendiri, selalu tergoda dengan kedudukan, kekuasaan dan ambisi jabatan. <br />
<br />
</span></div><span lang="SV" style="font-family: "Verdana","sans-serif"; font-size: 16pt;">Fitrah manusia sering tidak terjaga karena ambisi dan nafsu bersifat duniawi semata.<br />
<br />
“Sesuatu yang tidak dilandasi ibadah dan keiklasan, seringkali terjebak pada kepentingan sesaat,”<br />
Salah satu ciri orang yang dirindukan untuk masuk surga adalah mereka yang mau memaafkan orang lain padahal ada kesempatan untuk balas dendam. Hal ini sangat bertentangan dengan sifat manusia yang selalu mendendam terhadap sebuah kesalahan dan sulit untuk memaafkan meskipun dalam rentan waktu yang cukup lama.</span><br />
<br />
<span lang="SV" style="font-family: "Verdana","sans-serif"; font-size: 16pt;">Chat and Call KSU Syari'ah Assalam<br />
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</span></div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com1tag:blogger.com,1999:blog-2992308932947570326.post-91764487580205361012011-03-20T19:48:00.000-07:002011-03-20T19:48:35.579-07:00Master advanced features - Share<a href="http://www.google.com/support/toolbar/bin/answer.py?hl=en&answer=163656&ctx=share">Master advanced features - Share</a><br /><br />Bersama Berbagi Solusi Syari'ahBersama KSU Syari'ah ASSALAM, Minomartani, SlemanAnonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0tag:blogger.com,1999:blog-2992308932947570326.post-13749286249634735872011-03-03T17:36:00.000-08:002011-03-06T16:30:47.387-08:00<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqINEY_JT3qNFKmTqVRxC-dHDwnNvZGeke0rCHkiJJYPUcfXtFdRI83VswAytLJAeAQBnAT2XVdqTP9Rl_z4WYvcAcqd4me_KH9m-G_tYOnuNA03HQVyuWfSFTgJ1FShNiJcbV2tBfkeU/s1600/Leaflet+Assalam6-A.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="237" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqINEY_JT3qNFKmTqVRxC-dHDwnNvZGeke0rCHkiJJYPUcfXtFdRI83VswAytLJAeAQBnAT2XVdqTP9Rl_z4WYvcAcqd4me_KH9m-G_tYOnuNA03HQVyuWfSFTgJ1FShNiJcbV2tBfkeU/s320/Leaflet+Assalam6-A.jpg" width="320" /></a></div><br />
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Bersama Berbagi Solusi Syari'ah Bersama KSU Syari'ah ASSALAM, Minomartani, Sleman</div>Anonymoushttp://www.blogger.com/profile/10234627165419483288noreply@blogger.com0