POLA PIKIR SRI MULYANI/JOKOWI VS POLA PIKIR NABI MUHAMMAD SAW DALAM MASALAH HUTANG

POLA PIKIR SRI MULYANI/JOKOWI VS POLA PIKIR NABI MUHAMMAD SAW DALAM MASALAH HUTANG

T.MUDWAL

Berhutang menurut Nabi Muhammad SAW, adalah sangat menakutkan. Karena itu, beliau hampir selalu berdoa sebelum mengucapkan salam untuk mengakhiri sholat.

Doa beliau:

Ya Allooh aku berlindung kepada-Mu dari berbuat dosa dan banyak utang. Lalu ada yang berkata kepada beliau; Kenapa engkau selalu meminta perlindungan dalam masalah hutang? Lalu Rasulullah SAW bersabda; Jika orang yang berhutang berkata, dia akan sering berdusta. Jika dia berjanji dia akan mengingkari (HR. Bukhari no. 2397).

Dari hadits tersebut terlihat, bahwa yang paling ditakutkan bila seseorang banyak berhutang adalah hilangnya kedaulatan orang tersebut. Orang tersebut segala gerak dan perkataannya telah dikontrol oleh hutangnya. Bukan oleh kemerdekaan dirinya sendiri. begitu yang terjadi pada individu, maka begitulah yang terjadi pada berjuta-juta individu atau bangsa. Bangsa yang banyak berhutang, secara hakikat telah menjadi budak bangsa lain. Atau bangsa itu secara hakikat telah bubar.

Pendapat Sri Mulyani/Jokowi dan para ekonom “pintar” lainnya.

Hutang adalah suatu hal yang baik, apabila dikelola dengan baik. Setiap rupiah hutang yang dilakukan pemerintah digunakan untuk membiayai kegiatan yang sifatnya produktif dan investasi jangka panjang, seperti membiayai infrastruktur, pendidikan, kesehatan, yang dalam jangka panjang akan menghasilkan dampak berlipat untuk generasi mendatang. Untuk mengurangi tingginya biaya ekonomi yang harus ditanggung oleh masyarakat, hingga rendahnya daya saing nasional, maka diperlukan pembangunan infrastruktur. Kalau perlu, melakukan kebijaksanaan ekspansif yaitu belanja negara lebih besar ketimbang pendapatan negara. Tetapi itu tidak usah dikhawatirkan. Oleh karena segala hal tersebut masih dalam koridor yang aman. Karena masih jauh dari 60% PDB (padahal undang-undang membolehkan berutang lebih tinggi asalkan tidak melebihi 60% PDB dan defisit APBN tidak boleh melebihi 3% PDB). Menurut SM/JKW, mereka telah sukses karena rasio hutang berbanding PDB hanya 35,75% saja. PDB kitapun telah meningkat sampai dengan 1 triliun dollar. Hutang kita jauh lebih baik ketimbang Vietnam 62,4% PDB, Malaysia 50,8% PDB,  Filipina 42% PDB. Defisit APBN pun hanya 2,5% saja.  Dengan PDB yang demikian besar (no. 16 sedunia) rakyat Indonesia tidak usah takut bahwa pemerintah tidak mampu membayar hutang. Hutang Indonesia hanya 4.915 triliun rupiah (357,5 miliar USD). Dimana hutang pemerintah adalah 2.521 triliun rupiah (183,4 miliar USD). Dan hutang swasta 2.394 triliun rupiah (174,1 USD).

Saya yakin bahwa Nabi Muhammad tidak melarang hutang bila itu terpaksa dilakukan untuk mengisi perut atau membeli makanan. Bila makanan telah terpenuhi, maka Nabi Muhammadpun tidak melarang hutang, bila itu dilakukan untuk membangun tempat tinggal atau rumah. Itupun dengan perhitungan, bahwa cicilan hutang yang harus dibayar adalah jangan sampai membuat gizi makanan mereka sehari-hari menjadi tidak mencukupi. Kalau gizi makanan terganggu, maka saya yakin pula bahwa Nabi Muhammad pasti akan melarangnya.

Persaudaraan yang dilakukan antara orang-orang Anshar (Madinah) dan Muhajirin (Mekkah)  ketka Nabi baru sampai di Madinah, selain untuk mengeratkan persaudaraan Islam, adalah menyelamatkan masalah perut dan tempat tinggal dari kaum Muhajirin. Dan kemudian yang dilakukan beliau adalah bercocok tanam dan mencoba membeli kebun kurma dan sumur-sumur Yahudi. Gerak ekonomi nabi benar-benar diarahkan pada kebutuhan primer manusia yaitu makan dan papan.

Nabi mengerti bahwa serangan kaum Quraisy adalah tinggal menunggu waktu saja. Tetapi nabi tidak berhutang pada Yahudi yang menguasai ekonomi Madinah untuk membeli kuda-kuda yang cepat, unta-unta yang kuat atau persenjataan untuk bersiap ke arah perang. Fisik yang kuat dan jiwa tauhid yang mantap itulah yang mengalahkan pasukan Quraisy yang datang dalam jumlah besar dan persenjataan lengkap. Perang itu terjadi 2 tahun setelah nabi hijrah ke Madinah.

Nabi lebih memilih pendidikan, ketimbang harta-benda untuk menyaingi bisnis Yahudi di Madinah. Semua orang-orang Quraisy, dibebaskan bila mereka berhasil membuat umat Islam pandai membaca dan menulis. Sebenarnya bisa saja, nabi meminta emas sebagai syarat pembebasan orang-orang Quraisy itu. Dan pasti dibayar oleh mereka. Emas itu dapat digunakan untuk menyaingi bisnis Yahudi atau membayar orang Yahudi untuk mengajar umat Islam menulis dan membaca. Tetapi nabi, lebih memilih supaya umat Islam lebih cepat dapat membaca dan menulis. Dan itu pasti akan terjadi bila dikerjakan oleh orang-orang Quraisy yang tertawan itu. Karena bila mereka mengajarkan sungguh-sungguh dan umat Islam lebih cepat membaca dan menulis maka mereka akan segera bebas.

Kesimpulan cara Nabi Muhammad dalam mengelola ekonomi negara adalah dengan menciptakan SDM yang unggul yang diawali dengan makanan yang cukup dan bergizi.

Tapi apa yang dilakukan oleh SM/JKW dan disetujui oleh banyak pakar ekonomi dunia adalah bukan memusatkan perhatian pada kebutuhan primer rakyat. Tetapi pada pertumbuhan ekonomi. Dompet rakyat akan lebih tebal, bila segala hal yang membuat tebalnya dompet itu dapat dibangun. Untuk memacu pertumbuhan ekonomi itulah perlu dilakukan secepat mungkin pembangunan infrastruktur-infrastruktur. Karena pembanguna infrastruktur-infrastruktur itu akan menyebabkan kekayaan penduduk Indonesia meningkat betapapun perlu waktu untuk mencapai hal itu. Untuk mencapai pembangunan-pembangunan infrastruktur secara cepat, maka tidak ada jalan lain kecuali berhutang dalam jumlah besar. Kebijakan ekspansi yaitu belanja negara lebih besar ketimbang pendapatan perlu dilakukan demi mencapai itu semua secara cepat. Dan itulah yang dilakukan SM/JKW. Hutang infrastruktur naik 200% selama pemerintahan Jokowi (2015-2018) yaitu dari 456,1 triliun rupiah menjadi 912,4 triliun rupiah.

Perut manusia Indonesia harus diisi. Dan itu adalah kewajiban atau tugas dari pemimpin negara Indonesia yang harus dilaksanakan dengan cepat pada rakyatnya. Betapapun harus berhutang besar ke seluruh dunia. Harusnya prinsip seperti itulah yang menjadi pegangan dari menkeu dan presiden RI.

Apakah rakyat Indonesia telah cukup makan?

Apa dasar untuk menilai rakyat suatu negara telah cukup makan? Gizi anak-anak balita, adalah parameter yang paling tepat. Mereka mutlak sangat tergantung makanan yang diterima oleh orangtuanya. Dengan demikian bila masih banyak gizi anak balita yang buruk, berarti masih banyak rakyat Indonesia yang tidak dapat makanan. Kalau itu terjadi, maka bagi saya, itu adalah tanda pasti pemerintahan suatu negara telah gagal.

Berdasarkan laporan global nutrition 2016, Indonesia menempati urutan ke-108 dari 193 negara di dunia, yang terbanyak mempunyai gizi buruk pada anak balitanya. Untuk Asia Tenggara, Indonesia hanya unggul dari Laos (peringkat 124) dan Timor Leste (peringkat 132). Padahal Indonesia mempunyai target, bahwa tidak ada lagi gizi buruk pada 2019. 17,8% balita Indonesia di bawah standar WHO. Kasus wasting (kurus) mencapai 14% (paling besar di ASEAN). Satu hal yang sangat memalukan bagi saya. Sangat memalukan karena anak-anak balita Indonesia lebih kurus ketimbang anak-anak balita di Kamboja, Myanmar, bahkan Laos dan Timor Leste. Kasus stunting (cebol) mencapai 36% dari seluruh balita di Indonesia (sedikit lebih baik dari Laos yang 44%).

Mengatakan bahwa gizi buruk balita Indonesia bukan karena kurangnya makanan, tetapi disebabkan oleh kebodohan adalah alasan yang absurd. Ibu hamil yang pantang makan ikan selama 40 hari di Batam, adalah sangat sedikit. Di luar ikan, ada banyak protein lain yang bisa mereka makan. Begitu juga dengan upacara panggang api pada ibu hamil di NTT. Itu hanya terjadi pada sedikit kasus, bahkan ada informasi yang mengatakn bahwa sejak revolusi KIA 2007 di NTT, upacara panggang api pada ibu hamil telah tidak ada lagi. Dengan data-data yang saya sebutkan di atas, saya memperkirakan bahwa paling sedikit 20%-40% rakyat Indonesia belum mendapatkan makan yang cukup dari negara bernama Indonesia ini. Kasus kelaparan massif pada anak balita di Asmat adalah bukti pasti yang mendukung data-data tersebut.

Gizi yang rendah itulah penyebab utama indeks pembangunan manusia Indonesia berdasarkan UNDP 2016 berada di peringkat 113, turun dari posisi 110 (2014). Atau Jokowi memperburuk apa yang telah buruk di zaman SBY.

Dengan dasar itu adalah wajar apabila diperhitungkan bahwa puncak perlonjakan penduduk produktif bermasalah akan terjadi di tahun 2020-2040. Indonesia bubar atau lebih tepatnya Indonesia dikuasai asing secara mutlak di tahun 2030 adalah suatu hal yang rasional. Hal itu akan lebih mungkin terjadi lagi, bila kita bicara masalah papan atau rumah tinggal. Karena sulit sekali menciptakan SDM yang baik, bila keluarga tidak mempunyai rumah sendiri. Data tahun 2016, melaporkan 25 juta kepala keluarga dari 63,8 juta kepala keluarga belum mempunyai rumah sendiri.

Jokowi mewarisi hutang dari SBY sebanyak 2.700 triliun rupiah. SBY mewarisi hutang dari Megawati 1.298 triliun. Atau selama 10 tahun memerintah terjadi penambahan hutang oleh SBY sebanyak 1.402 triliun rupiah. Atau 140,2 triliun rupiah per tahun. Atau 11,6833 triliun rupiah per bulan. Tanpa berbicara tentang apa yang dilakukan dengan hutang itu, atau hanya fokus pada pertambahan hutang itu saja, maka pada Maret 2018 ini, hutang Indonesia 357,5 miliar USD. Dengan kurs 1 USD sama dengan 13.700 rupiah maka hutang Indonesia menjadi 4.915 triliun rupiah. Atau bertambah 2.215 triliun selama 41 bulan Jokowi berkuasa. Atau Jokowi menambah hutang 54,024 triliun rupiah per bulan. Suatu jumlah yang sangat fantastis.

Kenaikan hutang itu terutama untuk menggenjot pembangunan infrastruktur. Terjadi peningkatan hutang infrastruktur sebanyak 496,3 triliun atau meningkat >200%. Secara persentase memang lebih kecil dari penggunaan hutang untuk perlindungan sosial yang meningkat 849% atau dana desa yang meningkat 357%. Tetapi secara jumlah rupiah pembangunan infrastrukturlah yang meningkat sangat fantastis. Karena peningkatan perlindungan social hanya 264,3 triliun (35,35 T à 299,65 T) dan peningkatan dana desa hanya 273,3 triliun rupiah (88,3 T sampai 315,9 T).

Saya sudah menuliskan kesalahan berhutang untuk infrastruktur seperti yang telah dituliskan sebelumnya. Seharusnya penekananan pembangunan SDM manusialah yang harus ditingkatkan. Karena hal tersebut dapat menyebabkan bubarnya Indonesia atau terjajahnya Indonesia di tahun 2030.

Dalam masalah penambahan hutang SM/JKW ini saya melihat ada keanehan pada negara tempat Indonesia berhutang. Sebagian besar hutang infrastruktur berasal dari Cina. Cina telah menyiapkan dana sebesar 50 miliar USD (685 triliun dengan kurs 13.700) untuk membangun infrastruktur di Indonesia. Sampai dengan bulan Mei 2017, hutang ke Cina telah mencapai 15,491 miliar USD. SM/JKW harus berterus terang pada rakyat Indonesia. Apakah benar suku bunga meminjam ke Cina, lebih rendah ketimbang negara lainnya. Kemudian harus dijelaskan pula pada rakyat Indonesia, apakah benar bahwa Cina mengharuskan pemberian hutangnya itu dengan mewajibkan para pekerja Cina sebagai pelaksananya. Bahkan bukan itu saja, Cinapun mewajibkan bahan bakunya harus berasal dari dia. Bila suku bunga tinggi, para pekerja harus dari Cina, begitu juga bahan bakunya, kemudian Indonesia tetap berhutang pada Cina, maka SM/JKW telah melakukan pengkhianatan pada uang rakyat yang dititipkan kepadanya. Bahkan bila bunganya sama dengan negara lainpun pinjaman ke Cina sebaiknya dihindari. Tragedi terulangnya peristiwa G30S/PKI dan masih ada kemungkinan tangan kotor Cina dalam masalah penyelundupan narkoba, adalah resiko yang perlu dihindari (baca tulisan saya “Dicari Presiden Yang Mampu Memenangkan Jihad Melawan Setan Narkoba di Indonesia dalam situs renungan-t.mudwal.com). Nafsu ekspansi Cinapun harus diwaspadai. Cina ingin menguasai negara-negara di dunia ini dengan mengirim jutaan penduduknya yang berjumlah 1,3 miliar orang itu melalui pemberian hutang besar-besaran. Apa yang terjadi pada Zimbabwe, Nigeria, Etiopia, Sri Lanka, Myanmar, Laos, Nepal, Kamboja, seharusnya cukup menjadi pelajaran bagi SM/JKW sebelum berhutang besar-besaran ke Cina.

Apakah pinjaman 4.915 T itu aman? Aman yang dimaksud tentulah dalam arti Indonesia tidak kehilangan kedaulatannya serta aset-asetnya apalagi pulau-pulaunya.

SM/JKW dan para pakar ekonomi dunia mengatakan bahwa pinjaman 4.915 T itu aman karena masih jauh di bawah 60% GDP. Pinjaman 4.915 T itu berdasarkan GDP hanyalah 35,75%. Karena GDP Indonesia adalah 1 triliun USD seperti yang dinyatakan oleh SM/JKW.

Bila kita buat perumpamaan maka 4.915 triliun itu lebih kurang sama dengan 4.500 km jajaran uang 100.000. Dimana bila disusun vertical tingginya melebihi 500 kali tingii mount Everest. Atau 2,5 kali jarak dari ujung Utara Aceh s/d lampung, bila uang 100.000 itu disusun horizontal. Walaupun perumpamaan itu sangat mengerikan namun menurut para pakar ekonomi hal itu tidak usah ditakutkan. Indonesia pasti mampu membayarnya karena hanya 35,75% dari GDP yang 1 triliun USD itu. Sedangkan GNP Indonesia kuartal ke 4 2017 adalah 701.250,16 miliar rupiah. Secara aset maka aset Indonesia berjumlah 5.456,88 T (23 Maret 2018). Bila GNP setahun dianggap stagnan seperti kuartal 4 sebesar 701,250,16 M rupiah berarti GNP selama setahun adalah 2.805.000 M atau 2.805 triliun rupiah. Berarti hutang kita hampir mendekati 2x GNP Indonesia selama 1 tahun. Sedangkan secara aset hutang 4.915 T itu telah mencapai 90% dari asset Indonesia.

Dengan data itu terlihat bahwa penyebab utama naiknya GDP yang sampai 1 triliun USD atau 13.700 triliun rupiah itu adalah orang asing. Dimana orang asing itu, tidak berkewajiban menetapkan devisanya di Indonesia. Bila orang-orang asing itu pergi, maka seluruh penghasilan yang didapatkan Indonesia (GNP) selama setahun tidak cukup untuk membayar hutang. Atau Indonesia harus menjual asetnya untuk membayar hutang. Dengan biaya hidup Indonesia (APBN) yang berkisar 2.100-2.200 T rupiah per tahun, maka di tahun 2021, tidak ada lagi aset yang dapat dijual untuk membayar hutang Indonesia beserta bunganya. Atau Indonesia harus mulai menggadaikan pulau-pulaunya. Karena itu berpatokan bahwa keamanan hutang suatu negara adalah perbandingan hutang itu dengan GDP tidak tepat. Berikut adalah lima negara dimana negara tersebut mempunyai hutang lebih dari 100% GDP tetapi secara riil mereka dipastikan lebih kaya dari Indonesia.

Negara-negara tersebut adalah:

  1. Jepang (222,21%)
  2. Italia (132,6%)
  3. Portugal (129%)
  4. Singapura (105,5%)
  5. Amerika Serikat (101,5%)

Mengapa mereka bisa kaya dengan hutang yang melewati jauh dari 60% GDP? Karena GDP yang ada di negara tersebut hampir seluruhnya berasal dari warga negaranya sendiri. Negara Jepang berhutang pada rakyatnya dengan membuat surat hutang. Dan rakyatnya membeli hampir seluruh surat hutang itu. Uang yang bertumpuk-tumpuk dari rakyat Jepang itulah yang dipergunakan oleh pemerintah Jepang untuk membangun Jepang dan sebagian dihutangkan ke negara-negara lain untuk mendapatkan keuntungan. Begitu pula yang terjadi dengan negara-negara lain dengan hutang yang melewati GDPnya. Bukan orang asing yang menyebabkan GDPnya naik, tapi rakyat mereka sendiri. karena itu GDP per kapita sebagai dasar kekayaan suatu negar adalah tidak tepat. Begitu pula penentuan kekayaan negara berdasarkan cadangan devisa. Cadangan emaslah yang lebih riil untuk dijadikan patokan dalam menentukan rangking negara terkaya di dunia. Amerika Serikatlah negara terkaya di dunia ini. Dia adalah pemilik cadangan emas terbesar di dunia betapapun cadangan devisanya tahun 2017 hanya 123 miliar USD (lebih rendah dari Indonesia yang berjumlah 130 miliar USD).

Secara GDP per kapita AS hanya rangking 10 negara terkaya di dunia. Secara ilmu SM/JKW AS melakukan kesalahan besar karena hutangnya melewati GDP (101,5%).

Cadangan emas yang kuat itulah yang menyebabkan negara-negara di dunia berebut-rebut membeli surat berharga AS. Dia tidak perlu membuat dollar sebagai taktik harga dollar tetap tinggi. Dengan itu, dia dapat terus mengontrol dunia. Kalau dia perlu dollar untuk membayar hutangnya pada negara-negara di dunia ini, maka dia hanya cukup membuat surat hutang saja. Bila negara-negara di dunia ini misalnya tidak mau membeli surat hutang AS maka dia bisa meminta rakyatnya yang kaya-raya untuk membeli surat hutang itu, atau memainkan nilai dollar, atau menjual peralatan perang canggihnya, dan kalau memang sangat diperlukan sekali baru membongkar cadangan emasnya. Misalnya hutang AS ke Arab Saudi adalah 116,8 miliar dollar. Itu cukup dibayar dengan 100 pesawat f-22 raptor, 1000 rudal patriot, 100 tank Abrams, 1 kapal selam nuklir, 10 kapal perang destroyer Zumwalt dan sisanya dibayar dengan surat obligasi.  Dollar yang masuk banyak dalam kantong AS, akibat kepercayaan negara-negara di seluruh dunia itulah yang diputar oleh AS. Dimana sebagiannya dihutangkan kepada negara-negara di seluruh dunia untuk mendapatkan keuntungan. Qatar, Kuwait, UAE, Saudi, Bahrain, Oman, yang masing-masing mempunyai rangking 3, 7, 20, 32, 34, 39, negara terkaya di dunia berdasarkan GDP per kapita sebenarnya adalah negara yang lemah. Mereka sangat tergantung pada orang-orang asing dan minyaknya. SDM mereka sangat lemah.

Bagaimana dengan Indonesia? Indonesia dengan melacurkan diri telah menarik investasi asing sehingga GDP mencapai 1 triliun dollar. Melacurkan diri oleh karena mereka siap menerima pekerja asing, memakai bahan-bahan baku dari negara asing, dan katanya saat ini siap pula membebaskan pajak badan PPH hingga 20 tahun bila ada yang bisa memberikan hutang pada Indonesia sebanyak 30 triliun. Dan bila bisa memberikan hutang 500 miliar rupiah akan dibebaskan pajak badan PPH selama 5 tahun.

Betapapun telah mencapai GDP 1 triliun dollar dalam peringkat negara terkaya di dunia dengan berdasarkan GDP per kapita Indonesia tetap berada di bawah 100 besar dunia. Karena untuk mencapai 100 besar dunia minimal GDP per kapita adalah 4.661 USD (Bosnia Herzegovina, rangking 100 dunia). GDP Indonesia yang 1 triliun dollar itu hanya menyebabkan GDP per kapita Indonesia menjadi 3.846,15 USD. Saat ini Indonesia berada di rangking 118 dunia dengan GDP per kapita 3.475 USD.

Dengan GDP 1 triliun dollar ini, SM/JKW dapat menipu rakyat Indonesia dengan mengatakan bahwa hutang Indonesia masih jauh di bawah 60% GDP. Laju pertumbuhan ekonomi mencapai >5%.  Dengan GDP yang begitu tinggi sampai 1 triliun dollar dan hutang yang hanya 357,5 miliar dollar, maka Indonesia masih aman. Jadi mengapa harus takut? Rasio dengan GDPpun hanya 35,75 persen. Mengatakan bahwa bila diukur secara vertikal dengan uang 100.000 rupiah melebihi 500 kali tinggi mount Everest adalah hanya menakut-nakuti saja.

Kita harus takut, karena kita tidak mungkin terlepasa dari bayar hutang itu setiap tahun. GDP itu adalah GDP yang semu. GDP karena kekuatan asing. Kita harus melacurkan diri kepada asing itu supaya mereka jangan pergi dan bersabar pada pembayaran hutang. Setiap tahun kita harus memotong ±35% dari belanja (APBN) kita. Dan deficit selalu terjadi, betapapun di bawah 3%. Dan untuk menutupi itu kita harus berhutang lagi. Begitulah yang terjadi sampai kita kehabisan nafas untuk membayar hutang. Untuk kemudian infrastruktur yang mereka bangun akhirnya menjadi milik mereka. Maka menjadilah mereka penguasa Indonesia. Hilangnya infrastruktur pada pemberi hutang infrastruktur (Cina). Bagaimana dengan pemberi hutang non infrastruktur seperti Cina dan Jepang? Atau Amerika Serikat, Inggris dan negara pemberi hutang lainnya? Jual aset yang hanya 5000 triliunan itu jelas tidak cukup. Jual harga diri telah kita lakukan. Mengotak-ngatik supaya dapat menjual BUMN dan pulau-pulau pada akhirnya akan kita lakukan.

Ada yang mengatakan Indonesia akan mampu bayar hutang-hutang itu, bila APBN surplus 5000 T per tahun. Kita harus bersikap optimis akan hal itu, kata oran tersebut. Maka saya katakan dengan IPM Indonesia yang rendah, dan mental korupsi yang sepertinya telah menjadi adat-istiadat yang lazim bagi bangsa Indonesia, maka mengatakan optimis bahwa Indonesia akan surplus 5000 T per tahun adalah suatu hal yang bodoh atau self-fulfilling prophecy (meminjam istilah Megawati).

Dengan dasar-dasar apa yang saya tuliskan dari awal, maka bubarnya Indonesia tahun 2030 atau lebih tepatnya berkuasanya asing pada 13.000 pulau-pulau yang bernama Indonesia bukanlah self-fulfilling prophecy tetapi hal tersebut adalah sesuatu yang sangat rasional.

Indonesia harus kembali pada ajaran ekonomi Nabi Muhammad yang memusatkan perhatian pada kebutuhan primer manusia, makan, papan dan pendidikan. Dan setelah itu tercapai jangan berhutang lagi. Atau kalau berhutang, jangan sampai makanan bergizi, papan dan pendidikan bagi rakyat Indonesia berkurang. Total utang yang dilakukan jangan sampai melewati 50% dari aset Indonesia (bukan berdasarkan GDP). Hutang yang didsarkan pada GNP pun tidak dapat dijadikan patokan. Karena walaupun banyak WNI yang sebagai pelaku ekonomi, tetapi mayoritas WNI tersebut belumlah bermental Indonesia. Mental mereka masih berkiblat pada tanah ‘leluhur’. Uang-uang mereka lebih banyak tersimpan di Singapura atau Cina.

Hutang 4.915 T itu bila dibagikan rata kepada 260 juta rakyat Indonesia, maka setiap rakyat Indonesia berhutang 17 juta rupiah. Berdasarkan ilmu saya, bagi siapa saja yang ridho pada SM/JKW untuk melakukan hutang sebanyak itu, maka dia ridho pula bahwa dia mempunyai hutang 17 juta rupiah. Maka apabila dia mati, dan belum menyerahkan uang sebanyak 17 juta rupiah pada SM/JKW maka dia mati dalam keadaan berhutang.

Pada akhirnya saya bermohon pada Allooh SWT, dari kehancuran cepat bangsa Indonesia. Baik karena hantaman dari langit akibat buruknya moral dari rakyat dan pemimpin Indonesia, maupun kehancuran dari bumi akibat tangan-tangan kotor dari para pemimpinnya.

Ya Allooh aku berlindung kepada-Mu dari berbuat dosa dan banyak utang. Lalu ada yang berkata kepada beliau; Kenapa engkau selalu meminta perlindungan dalam masalah hutang? Lalu Rasulullah SAW bersabda; Jika orang yang berhutang berkata, dia akan sering berdusta. Jika dia berjanji dia akan mengingkari (HR. Bukhari no. 2397).

Tembusan:

  1. Sri Mulyani
  2. DPP Partai Gerindra
  3. DPP Partai Keadilan Sejahtera

3,313 Comments

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  491. Heya this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

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  504. Yesterday, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a forty foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!

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  510. Hey there! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no back up. Do you have any methods to prevent hackers?

  511. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?

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  516. Howdy this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

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  518. Today, I went to the beach front with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  519. Howdy! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting sick and tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be fantastic if you could point me in the direction of a good platform.

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  524. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

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  569. Heya this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

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