Tiga Guru Tamu Sajikan Tema Pelajaran Riba, Bank dan Asuransi

Dalam rangka memperkuat keterampilan bahasa Inggris dan penyegaran semangat belajar siswa, MA Diponegoro Yogyakarta menghadirkan guru tamu dari mahasiswa Sastra Inggris Fak Adab UIN Sunan Kalijaga yakni miss Zakkiya, miss Wulan, miss Khofifah pada Rabu, 17/5/2023.

Semangat belajar murid bisa diupayakan dengan beragam cara. Antusias murid sangat berpengaruh terhadap kelancaran dan keberhasilan belajar. Hadirnya guru tamu menciptakan suasana kegiatan belajar yang variatif dan kreatif.

Guru tamu membawa hal baru. Dapat memantik kuatnya keingin tahuan murid. Menumbuh perilaku mandiri dan percaya diri sehingga bakat dan potensi peserta didik berkembang dan prestasi belajar mereka semakin meningkat.

Guru tamu mengemas apik tema materi mata pelajaran Fiqh dalam PPT. Tema pada bab terakhir Fiqh kelas X semester II disajikan singkat padat dan atraktif. Di mata siswa-siswi guru tamu bak artis pemain drama. Mereka mengikuti pengajaran guru tamu dengan hati senang.

Miss Zakkiya, miss Wulan dan miss Khofifa bergantian tampil membawakan sub-sub tema Pelajaran Fiqh kelas X yakni riba, bank, dan asuransi.

Mis Wulan menjelaskan, “Riba in etymology means addition or excess (ziyadah). While according to the term, riba is the taking of additions both in the buying and selling transactions, as well as lending and borrowing illegally or contrary to the principles of mua’amalat in Islam.”

Miss Wulan mendetailkan macam-macam riba, “Riba Fadli, sale and purchase that contains elements of riba on similar goods with an addition to one of the objects. Riba Fardi, lending something on condition that there is profit or addition from the person owed. Riba Yad, riba that occurs in buying and selling or exchange accompanied by a delay in the handover of the two goods exchanged or a delay in the receipt of one of the goods. Riba Nasiah, riba nasi’ ah is the exchange of two similar or dissimilar goods or buying and selling whose payment is more conditional by the seller by delaying”.

Sementara itu miss Zakkiya menuturkan tentang bank, “The word bank comes from the Italian word banca which means table. According to Law Number 10 of 1998 concerning Banking, what is meant by a bank is a business entity that collects funds from the public in the form of savings and distributes them back to the community in the form of credit and or other forms in order to improve the standard of living of the people at large.”

Miss Zakkiya menambahkan jenis-jenis bank, “Based on the function: commercial banks and rural banks. Based on the ownership : government owned bank, national private owned bank, cooperative owned bank, Foreign owned bank, anak mixed-owned bank Based on type or processing system: conventional banks and Islamic Bank.”

Dilanjut miss Khofifah yang membawakan tema asuransi, pengertianya pula dimensinya. Dengan mengutip pendapat ahli dia mengatakan, “According to Yusuf Qardhawi, insurance is not allowed under Islamic law. The main reason for the prohibition of insurance is because of usury or riba.

First, with insurance, the customer receives the entire premium paid with some additions from the insurance provider (if the specified period has passed). Second, insurance companies invest in various ribawi businesses.”

“Meanwhile, Abdul Wahab Khalaf is allowing insurance in Islam. It is because insurance takes any form and can benefit the local community as long as there is no usury, the law is halal or allowed in Islamic teachings.” Imbuh Khofifah menegaskan.

Pembelajaran berlangsung runtut, disemarakkan dengan diskusi kelompok dan tanya jawab siswa-siswi untuk menguatkan kecakapan bahasa Inggris mereka.

Suasana belajar ramai dan asyik yang kemudian diakhir dengan sesi pemberian apresiasi keaktifan siswa-siswi dan hadiah sebagai tanda bahagia meraih prestasi dari belajar bersama. Bj