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Let's learn about flowers, but not this flower. Assalamualaikum warahmatullahi wabarakatuh. How are you? I hope we are all always in a healthy and happy state. My sister goes to school. Don't forget to have a breakfast. Mathematics is to find problems, mathematics is to find solutions.
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The basic competencies that will be discussed are KD 4.4 Mathematika Wajib Class 11, namely using arithmetical or geometric pattern patterns to provide and solve contextual problems including growth, fertility, flowering and annuity. Through this study, students are expected to identify differences and solve the problem of single flowers and flowering flowers correctly.
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By reading the Basmalah, let's start. We often hear the word "flower" not only means plants and crops, in Indonesia the term "flower" is also used to state the cost for using capital at a certain time.
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For example, we plant business capital in a bank. The bank will manage our capital. By the end of October, the bank will return our capital along with other costs. These are called flowers. Flowers consist of two types, namely single flowers and poppy flowers.
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Single flowers are counted from the size of the main model for the entire transaction period. While the magnolia is a flower that is counted not only from the main model but also from the accumulation of the previous flower period. To know the difference between the two, let's do the following simulation.
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So, our government has an investment product called Sukuk. Sukuk is a state-priced letter issued based on the principle of Sharia as evidence of asset ownership. Later, after the time is up, the holders of Sukuk will get a loan in the form of rent for the results and others.
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The main purpose of the subcontracting is to finance APBN and finance the development of infrastructure projects in Indonesia, including the development of Hajj ashram, college buildings, toll roads, and other infrastructures. Look,
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If we want to buy a tribe, the time is 3 years. It will be in 2023 with a flower or a coupon amount of 6.05%. There is a P, A explanation, which means per annum in Latin. In Indonesian, it means per year. Let's pretend that we have money of 10 million rupiah.
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and we will use it to buy the tree. In 2020, our initial capital is Rp 10 million. After a year, we will get a profit of 6.5% of Rp 10 million, which is Rp 605,000. So in 2021, our initial capital has grown to Rp 10,605,000.
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In the single flower system, the size of the flower is constant, so in 2022 our budget, which is already 10,605,000, will increase again according to the flower, plus 605,000 again, to 11,210,000.
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This happens every year, so when the time is up, that is 2023, we will get our capital back with the coupon with a total of Rp 11,815,000. What if Sukuk uses Majemuk flowers?
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In principle, the calculation of single flowers and jasmine flowers for the first year is the same, our initial capital will grow to 10,605,000 rupiah.
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The difference between single flowers and jasmine flowers can be seen here. In 2022, the size of the flower is no longer 605 thousand. Why? Because the calculation of this jasmine flower is based on the last nominal that we have. So 6.05% is not multiplied by 10 million, but multiplied by 10.605.000.
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so the total is 11.200.000 rupiahs. This also applies for the following years. Then in 2023, we will get our capital back with the total coupon of 11.927.021 rupiahs.
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Next, we don't need to calculate the flower process year by year. To calculate the size of the model after a certain period of time, we can use this formula, where the formula is different for single flowers and jasmine flowers. Mn is the model after the end of the period.
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MO is the initial model and this initial model will be multiplied by 1 + NB for single flowers and 1 + B^n for magnolia flowers where B is the flower type in percent and N is the time period.
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This is our calculation result. Seen from the number, the flower system looks more profitable. This is because the flower system flowers the flowers that were obtained in the previous period. So, the flower is often called flowering.
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But on the other hand, the jasmine flower will be very harmful if we are in debt because the longer the loan, the bigger our flower will be.
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In the Qur'an, there are rules about good, bad, halal, or haram of something, including financial products that use a flower system. Clearly, we as Muslims must always pay attention to the elements of Sharia in every action we make. As a consideration, the Indonesian Islamic Council also issued fatwas about savings, stocks, tribes,
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debt and others. Basically, when we choose financial products such as savings or investments, the size or size of the balance is certainly not the main priority. The most important thing is to ensure that the product is avoided or free of interest because in Islam, interest is prohibited. Allah says in the Qur'an Surat Al-Rum Ayat 39
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"And you have not given of the rizq to be given to the Lord, and of the wealth of mankind, so that they do not give to Allah. And you have not given of the zakat that you desire the face of Allah, so that they are the weak." Which means
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"And an additional reward that you give to increase in human wealth, then that reward does not increase in the sight of Allah. And whatever you give as zakat that you intend to attain the righteousness of Allah, then those who do so are the ones who multiply the reward."
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Alhamdulillah, this lesson is over. Hopefully, we can take advantage of every knowledge that is given. Thank you for watching this video. Wait for the next videos. Lastly, wassalamualaikum warahmatullahi wabarakatuh.
