Subhanallah, Wahai Para Lelaki, Nikahilah Janda-janda! Keutamaannya Sangat Dahsyat - Adakah keutamaan menikahi janda? Ataukah lebih baik dengan gadis saja? Keutaman Menolon Para Janda. Adakah keutamaan menikahi janda? Ataukah lebih baik dengan gadis saja?
Keutaman Menolong Para Janda
Dari Abu Hurairah, berkata, “Rasulullah shallallahu ‘alaihi wa sallam bersabda,
السَّاعِي عَلَى اْلأَرْمَلَةِ وَالْمَسَاكِيْنِ، كَالْمُجَاهِدِ فِي سَبِيْلِ اللهِ، وَكَالَّذِي يَصُوْمُ النَّهَارَ وَيَقُوْمُ اللَّيْلَ
“Orang yang berusaha menghidupi para janda dan orang-orang miskin laksana orang yang berjuang di jalan Allah. Dia juga laksana orang yang berpuasa di siang hari dan menegakkan shalat di malam hari.”(HR. Bukhari no. 5353 dan Muslim no. 2982)
Termasuk dalam menolong para janda adalah dengan menikahi mereka. Namun janda manakah yang dimaksud?
Disebutkan dalam Al Minhaj Syarh Shahih Muslim (18: 93-94), ada ulama yang mengatakan bahwa “armalah” yang disebut dalam hadits adalah wanita yang tidak memiliki suami, baik ia sudah menikah ataukah belum. Ada ulama pula yang menyatakan bahwa armalah adalah wanita yang diceraikan oleh suaminya.
Ada pendapat lain dari Ibnu Qutaibah bahwa disebut armalah karena kemiskinan, yaitu tidak ada lagi bekal nafkah yang ia miliki karena ketiadaan suami.
Armalah bisa disebut untuk seseorang yang bekalnya tidak ada lagi. Demikian nukilan dari Imam Nawawi.
Pendapat terakhir itulah yang penulis cendrungi.
Dari pendapat terakhir tersebut, janda yang punya keutamaan untuk disantuni adalah janda yang ditinggal mati suami atau janda yang diceraikan dan sulit untuk menanggung nafkah untuk keluarga. Adapun janda kaya, tidak termasuk di dalamnya.
Keutamaan Menikahi Janda yang Ditinggal Mati Suami dan Memiliki Anak Yatim
Kita tahu bersama bahwa anak yatim adalah anak yang ditinggal mati ayahnya. Anak seperti inilah yang dikatakan yatim dan punya keutamaan untuk ditolong karena penanggung nafkahnya -yaitu ayahnya- sudah tiada. Jika ada yang menikahi janda karena ingin menolong anaknya, maka ia akan dapat keutamaan besar menyantuni anak yatim.
Dari Sahl ibnu Sa’ad, dari Nabi shallallahu ‘alaihi wasallam, beliau bersabda,
أَنَا وَكَافِلُ الْيَتِيمِ فِى الْجَنَّةِ هَكَذَا وَأَشَارَ بِالسَّبَّابَةِ وَالْوُسْطَى ، وَفَرَّجَ بَيْنَهُمَا شَيْئًا
“Kedudukanku dan orang yang menanggung anak yatim di surga bagaikan ini.” [Beliau merapatkan jari telunjuk dan jari tengahnya, namun beliau regangkan antara keduanya]. (HR. Bukhari no. 5304)
Menikahi Janda ataukah Perawan?
Walau memang menikahi perawan ada keutamaannya. Namun menikahi janda tidak boleh dipandang sebelah mata. Bahkan ada pria yang membutuhkan janda dibanding gadis perawan.
Semisal seorang pria ingin mencari wanita yang lebih dewasa darinya sehingga bisa mengurus adik-adiknya. Dari Jabir bin ‘Abdillah, ia pernah berkata,
تَزَوَّجْتُ امْرَأَةً فِى عَهْدِ رَسُولِ اللَّهِ -صلى الله عليه وسلم- فَلَقِيتُ النَّبِىَّ -صلى الله عليه وسلم- فَقَالَ « يَا جَابِرُ تَزَوَّجْتَ ». قُلْتُ نَعَمْ. قَالَ « بِكْرٌ أَمْ ثَيِّبٌ ». قُلْتُ ثَيِّبٌ. قَالَ « فَهَلاَّ بِكْرًا تُلاَعِبُهَا ». قُلْتُ يَا رَسُولَ اللَّهِ إِنَّ لِى أَخَوَاتٍ فَخَشِيتُ أَنْ تَدْخُلَ بَيْنِى وَبَيْنَهُنَّ. قَالَ فَذَاكَ إِذًا إِنَّ الْمَرْأَةَ تُنْكَحُ عَلَى دِينِهَا وَمَالِهَا وَجَمَالِهَا فَعَلَيْكَ بِذَاتِ الدِّينِ تَرِبَتْ يَدَاكَ
“Aku pernah menikahi seorang wanita di masa Rasulullah shallallahu ‘alaihi wa sallam. Lalu aku bertemu dengan Nabi shallallahu ‘alaihi wa sallam, beliau pun bertanya, “Wahai Jabir, apakah engkau sudah menikah?” Ia menjawab, “Iya sudah.” “Yang kau nikahi gadis ataukah janda?”, tanya Rasul shallallahu ‘alaihi wa sallam. Aku pun menjawab, “Janda.” Rasul shallallahu ‘alaihi wa sallam mengatakan, “Kenapa engkau tidak menikahi gadis saja, bukankah engkau bisa bersenang-senang dengannya?” Aku pun menjawab, “Wahai Rasulullah, sesungguhnya aku memiliki beberapa saudara perempuan.
Aku khawatir jika menikahi perawan malah nanti ia sibuk bermain dengan saudara-saudara perempuanku. Rasul shallallahu ‘alaihi wa sallam bersabda, “Itu berarti alasanmu. Ingatlah, wanita itu dinikahi karena seseorang memandang agama, harta, dan kecantikannya. Pilihlah yang baik agamanya, engkau pasti menuai keberuntungan.” (HR. Muslim no. 715)
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While the most important thing is to save, there are some added benefits that depend on where we put our savings.And there are several places where we can put our savings in.
The simplest and most common way is a piggy bank. It's a fun way of saving, and it can give us a sense of accomplishment to see our piggy bank fill up.It's also a great tool for teaching kids the concept of saving.
Another popular way is the paluwagan system. Saving along with our friends can be a great experience.
But in my opinion, the best place to put our savings is still in a bank - in a savings account. For one, our money earns interest and can grow faster. Second, the money is more secure. Our deposit is guaranteed by the PDIC for up to Php 500,000 (much lower than the 9m in Australia).
So no matter what happens to the bank, we can get our money back. (If you're fortunate enough to have more than 500K, simply open an account with a different bank.) What's more, regularly going to the bank to deposit our savings can possibly expose us to other savings or investment opportunities later on.
However, how do we choose the right bank to open a savings account with? There are several factors to consider:
Interest Rate - Since we're saving in a bank to earn interest, it would make sense to go for the bank that gives the highest interest rate.
Maintaining Balance - A high maintaining balance can be burdensome for someone who does not have a lot of money and might need to withdraw from their account during times of emergencies.
And most banks impose a penalty (usually Php300) if we fall below the maintaining balance. So in this case, we want the bank with a low maintaining balance (or at least doesn't impose a penalty).
Initial Deposit - A lower initial deposit means it's easier to open an account. However, we would still need to deposit enough money on that same day to make sure that we meet the maintaining balance. So in effect, this isn't a substantial factor.
Balance to Earn Interest - Believe it or not, just because our money is in a bank doesn't mean it's earning interest. Banks require that the account accumulate a certain amount before it can earn interest. So we want a bank that requires the lowest balance before it pays us interest.
Account Type - We can choose either an ATM or Passbook account. An ATM is typically chosen so we can have easier access to our money. But a Passbook is a good choice if we want to make it hard for us to withdraw and spend our savings.
Proximity and Ease of Access - In my opinion, this is the most important factor of all since saving regularly is more important than the amount we are saving. And it can be hard to save if you have to spend an inordinate amount of time and effort just to make a deposit in your bank.
On the other hand, if your bank has branches just a a few steps away from your house, place of work, and even places where you spend your free time, then it's very convenient to just drop in from time to time and deposit 50 pesos.
So we want the bank that's very accessible to us, has the highest interest rate, lowest maintaining balance, and lowest balance to earn interest. However, banks have different rates, and no bank beats the rest in all our criteria. So it's really a personal choice on which bank offers the best combination of factors. To that end, I compiled a table of some of the largest banks in the Philippines and their rates.
source by : http://www.personalfinanceapprentice.com
A few notes:
The information was gathered from the banks' official websites (as of May 18, 2015).
Certain types of banks tend to give higher interest rates. (Savings, Rural, Thrift, etc.). However, they also tend to have less branches than commercial banks. But if there's one near you or interest rate is your primary factor, they're definitely worth considering.
Most banks impose a penalty of 300 pesos if you fall below the maintaining balance. However, it's not always mentioned in their website or brochure. Be sure to ask before opening an account, as it's good information to know.
Having online access to your account is also a good factor to consider. But it's more for how you spend your money (i.e. paying bills online) so I did not include it as a factor.
Hopefully this post has helped you decide which bank offers the best savings account for you
Keutaman Menolong Para Janda
Dari Abu Hurairah, berkata, “Rasulullah shallallahu ‘alaihi wa sallam bersabda,
السَّاعِي عَلَى اْلأَرْمَلَةِ وَالْمَسَاكِيْنِ، كَالْمُجَاهِدِ فِي سَبِيْلِ اللهِ، وَكَالَّذِي يَصُوْمُ النَّهَارَ وَيَقُوْمُ اللَّيْلَ
“Orang yang berusaha menghidupi para janda dan orang-orang miskin laksana orang yang berjuang di jalan Allah. Dia juga laksana orang yang berpuasa di siang hari dan menegakkan shalat di malam hari.”(HR. Bukhari no. 5353 dan Muslim no. 2982)
Termasuk dalam menolong para janda adalah dengan menikahi mereka. Namun janda manakah yang dimaksud?
Disebutkan dalam Al Minhaj Syarh Shahih Muslim (18: 93-94), ada ulama yang mengatakan bahwa “armalah” yang disebut dalam hadits adalah wanita yang tidak memiliki suami, baik ia sudah menikah ataukah belum. Ada ulama pula yang menyatakan bahwa armalah adalah wanita yang diceraikan oleh suaminya.
Ada pendapat lain dari Ibnu Qutaibah bahwa disebut armalah karena kemiskinan, yaitu tidak ada lagi bekal nafkah yang ia miliki karena ketiadaan suami.
Armalah bisa disebut untuk seseorang yang bekalnya tidak ada lagi. Demikian nukilan dari Imam Nawawi.
Pendapat terakhir itulah yang penulis cendrungi.
Dari pendapat terakhir tersebut, janda yang punya keutamaan untuk disantuni adalah janda yang ditinggal mati suami atau janda yang diceraikan dan sulit untuk menanggung nafkah untuk keluarga. Adapun janda kaya, tidak termasuk di dalamnya.
Keutamaan Menikahi Janda yang Ditinggal Mati Suami dan Memiliki Anak Yatim
Kita tahu bersama bahwa anak yatim adalah anak yang ditinggal mati ayahnya. Anak seperti inilah yang dikatakan yatim dan punya keutamaan untuk ditolong karena penanggung nafkahnya -yaitu ayahnya- sudah tiada. Jika ada yang menikahi janda karena ingin menolong anaknya, maka ia akan dapat keutamaan besar menyantuni anak yatim.
Dari Sahl ibnu Sa’ad, dari Nabi shallallahu ‘alaihi wasallam, beliau bersabda,
أَنَا وَكَافِلُ الْيَتِيمِ فِى الْجَنَّةِ هَكَذَا وَأَشَارَ بِالسَّبَّابَةِ وَالْوُسْطَى ، وَفَرَّجَ بَيْنَهُمَا شَيْئًا
“Kedudukanku dan orang yang menanggung anak yatim di surga bagaikan ini.” [Beliau merapatkan jari telunjuk dan jari tengahnya, namun beliau regangkan antara keduanya]. (HR. Bukhari no. 5304)
Menikahi Janda ataukah Perawan?
Walau memang menikahi perawan ada keutamaannya. Namun menikahi janda tidak boleh dipandang sebelah mata. Bahkan ada pria yang membutuhkan janda dibanding gadis perawan.
Semisal seorang pria ingin mencari wanita yang lebih dewasa darinya sehingga bisa mengurus adik-adiknya. Dari Jabir bin ‘Abdillah, ia pernah berkata,
تَزَوَّجْتُ امْرَأَةً فِى عَهْدِ رَسُولِ اللَّهِ -صلى الله عليه وسلم- فَلَقِيتُ النَّبِىَّ -صلى الله عليه وسلم- فَقَالَ « يَا جَابِرُ تَزَوَّجْتَ ». قُلْتُ نَعَمْ. قَالَ « بِكْرٌ أَمْ ثَيِّبٌ ». قُلْتُ ثَيِّبٌ. قَالَ « فَهَلاَّ بِكْرًا تُلاَعِبُهَا ». قُلْتُ يَا رَسُولَ اللَّهِ إِنَّ لِى أَخَوَاتٍ فَخَشِيتُ أَنْ تَدْخُلَ بَيْنِى وَبَيْنَهُنَّ. قَالَ فَذَاكَ إِذًا إِنَّ الْمَرْأَةَ تُنْكَحُ عَلَى دِينِهَا وَمَالِهَا وَجَمَالِهَا فَعَلَيْكَ بِذَاتِ الدِّينِ تَرِبَتْ يَدَاكَ
“Aku pernah menikahi seorang wanita di masa Rasulullah shallallahu ‘alaihi wa sallam. Lalu aku bertemu dengan Nabi shallallahu ‘alaihi wa sallam, beliau pun bertanya, “Wahai Jabir, apakah engkau sudah menikah?” Ia menjawab, “Iya sudah.” “Yang kau nikahi gadis ataukah janda?”, tanya Rasul shallallahu ‘alaihi wa sallam. Aku pun menjawab, “Janda.” Rasul shallallahu ‘alaihi wa sallam mengatakan, “Kenapa engkau tidak menikahi gadis saja, bukankah engkau bisa bersenang-senang dengannya?” Aku pun menjawab, “Wahai Rasulullah, sesungguhnya aku memiliki beberapa saudara perempuan.
Aku khawatir jika menikahi perawan malah nanti ia sibuk bermain dengan saudara-saudara perempuanku. Rasul shallallahu ‘alaihi wa sallam bersabda, “Itu berarti alasanmu. Ingatlah, wanita itu dinikahi karena seseorang memandang agama, harta, dan kecantikannya. Pilihlah yang baik agamanya, engkau pasti menuai keberuntungan.” (HR. Muslim no. 715)
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Choose The Best Savings Bank Account
Learn How To Choose The Best Savings Account For YouWhile the most important thing is to save, there are some added benefits that depend on where we put our savings.And there are several places where we can put our savings in.
The simplest and most common way is a piggy bank. It's a fun way of saving, and it can give us a sense of accomplishment to see our piggy bank fill up.It's also a great tool for teaching kids the concept of saving.
Another popular way is the paluwagan system. Saving along with our friends can be a great experience.
But in my opinion, the best place to put our savings is still in a bank - in a savings account. For one, our money earns interest and can grow faster. Second, the money is more secure. Our deposit is guaranteed by the PDIC for up to Php 500,000 (much lower than the 9m in Australia).
So no matter what happens to the bank, we can get our money back. (If you're fortunate enough to have more than 500K, simply open an account with a different bank.) What's more, regularly going to the bank to deposit our savings can possibly expose us to other savings or investment opportunities later on.
However, how do we choose the right bank to open a savings account with? There are several factors to consider:
Interest Rate - Since we're saving in a bank to earn interest, it would make sense to go for the bank that gives the highest interest rate.
Maintaining Balance - A high maintaining balance can be burdensome for someone who does not have a lot of money and might need to withdraw from their account during times of emergencies.
And most banks impose a penalty (usually Php300) if we fall below the maintaining balance. So in this case, we want the bank with a low maintaining balance (or at least doesn't impose a penalty).
Initial Deposit - A lower initial deposit means it's easier to open an account. However, we would still need to deposit enough money on that same day to make sure that we meet the maintaining balance. So in effect, this isn't a substantial factor.
Balance to Earn Interest - Believe it or not, just because our money is in a bank doesn't mean it's earning interest. Banks require that the account accumulate a certain amount before it can earn interest. So we want a bank that requires the lowest balance before it pays us interest.
Account Type - We can choose either an ATM or Passbook account. An ATM is typically chosen so we can have easier access to our money. But a Passbook is a good choice if we want to make it hard for us to withdraw and spend our savings.
Proximity and Ease of Access - In my opinion, this is the most important factor of all since saving regularly is more important than the amount we are saving. And it can be hard to save if you have to spend an inordinate amount of time and effort just to make a deposit in your bank.
On the other hand, if your bank has branches just a a few steps away from your house, place of work, and even places where you spend your free time, then it's very convenient to just drop in from time to time and deposit 50 pesos.
So we want the bank that's very accessible to us, has the highest interest rate, lowest maintaining balance, and lowest balance to earn interest. However, banks have different rates, and no bank beats the rest in all our criteria. So it's really a personal choice on which bank offers the best combination of factors. To that end, I compiled a table of some of the largest banks in the Philippines and their rates.
source by : http://www.personalfinanceapprentice.com
A few notes:
The information was gathered from the banks' official websites (as of May 18, 2015).
Certain types of banks tend to give higher interest rates. (Savings, Rural, Thrift, etc.). However, they also tend to have less branches than commercial banks. But if there's one near you or interest rate is your primary factor, they're definitely worth considering.
Most banks impose a penalty of 300 pesos if you fall below the maintaining balance. However, it's not always mentioned in their website or brochure. Be sure to ask before opening an account, as it's good information to know.
Having online access to your account is also a good factor to consider. But it's more for how you spend your money (i.e. paying bills online) so I did not include it as a factor.
Hopefully this post has helped you decide which bank offers the best savings account for you
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