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0:08 Brail TV. 0:15 Bismillahirrahmanirrahim. Peace be upon 0:17 you warahmatullahi wabarakatuh. 0:19 Allahumma sholli ala sayyidina Muhammad 0:21 waa ali sayyidina Muhammad. 0:23 Alhamdulillah we meet again today 0:26 Thursday, 18 Zulhijah 1447 Hijri or 0:30 June 4, 2026 we meet again as usual 0:33 this is the first Thursday of every 0:37 month. Our Hijrah Talk will of course 0:40 be accompanied by the BSP Master 0:42 Trainer also ee mm 0:50 digital business consultant. We are 0:54 already familiar with Bang Habib 0:56 Husaini and we will have a special 1:00 guest, Ustaz Ahmad ee Rizani, a 1:02 professional practitioner of business 1:06 export and also security. He has been 1:09 involved in this field for 30 years. He 1:13 is in Singapore. His house is close to 1:16 Cangi, near Cengkareng. As for Jakarta, 1:19 in Singapore it turns out there are 1:22 many similar places in Jakarta. In 1:24 Indonesia there is Kandi, there is 1:26 Kranji, there is Jalan Samarinda, there 1:29 is Jafar Road, there is Bugis Junction, 1:32 there is Jalan Pacitan. Hey, we got 1:35 this information from Ahmad, Ustaz 1:38 Ahmad Jani. There's also a radio there 1:42 that starts at 9:00 PM until it plays 1:45 keroncong songs. There's Mus Muniadi 1:49 Tikus Endong from Johor. We'll greet 1:55 Bang Habib, Master Trainer of Bnsp, 1:59 also a national expert staff, and there 2:02 will also be Ustaz Rijani. We will take 2:06 a very interesting theme, preparing for 2:08 retirement under the auspices of the 2:11 Qur'an. So the theme is preparing for 2:14 retirement under the auspices of the 2:16 Qur'an. Asalamualaikum, Bang Habib and 2:20 Ustaz Ahmad Rizani. Asalamualaikum 2:23 everyone. 2:24 Waalaikumsalam warahmatullahi 2:26 wabarakatuh. 2:27 This is a very interesting title. Below 2:31 is preparing for retirement under the 2:33 auspices of the Qur'an. Okay, Bang 2:37 Habib, please give an introduction, 2:39 Bang Habib. Bismillahirrahmanirrahim. 2:42 Asalamualaikum warahmatullahi 2:43 wabarakatuh. Dear Mr. Krisna, whom I 2:46 respect, and dear listeners, may our 2:49 lives be of benefit to others and all 2:52 our affairs be facilitated and blessed 2:56 by Allah subhanahu wa ta'ala. Today we 3:01 are discussing a rather interesting 3:05 phenomenon in our society: retirement. 3:10 Does retirement mean that when our 3:12 career ends, does our life end with it? 3:16 Dear friends of Radio Silaturahim, may 3:19 I begin today's discussion with a 3:21 simple, yet perhaps profound, question. 3:25 When we stop our activities, stop our 3:28 positions, stop our routines, and then 3:31 tomorrow morning we wake up without a 3:34 meeting agenda, without targets, 3:37 without subordinates, without a job 3:40 identity? Who are we really? Well, this 3:44 question is important because many 3:46 people spend decades building their 3:49 careers, but very few people build 3:51 their lives like that. We learn to 3:54 build managers, directors, some become 3:57 professional entrepreneurs, officials, 4:00 but we rarely learn how to retire 4:05 happily. Well, actually, Mr. Krisna, 4:09 it's not linear between what we build 4:13 —positions, careers, and so on. We 4:17 reach the pinnacle. When we reach the 4:21 pinnacle, we retire, for example, we 4:24 are made to retire. What happens in the 4:27 end? We leave it behind. We abandon the 4:38 positions we have cultivated to reach 4:40 high positions. We start life from 4:57 scratch again. We don't learn, we don't 5:01 prepare for it. For example, he retires 5:15 at 50, ee, 8 years, ee, ee, he's 80 5:20 years old. That means he's lived for 5:36 about 22 years without, for example, 5:41 preparing a salary or preparing 5:45 anything, ee, for 22 years, he doesn't 5:50 work, ee...Well, but after he retired, 5:55 he couldn't manage his life. His 5:59 quality of life with his partner wasn't 6:05 good either. How was the quality of his 6:09 worship? Well, because we retire, it's 6:13 injury time. What injury time? Our 6:15 injury time is facing a life that lasts 6:19 forever. We weren't prepared for that. 6:21 So, we work most of our 24 hours a day 6:25 for work. Sometimes 8 hours, 10 hours, 6:28 14 hours for something we're leaving 6:31 behind. Does that make sense, Mr. Krna? 6:33 So it's a bit paradoxical. We build a 6:36 building, then after it's finished, we 6:39 demolish it or leave it behind. Well, 6:42 we start from zero again for something 6:45 that will live forever. Sometimes, we 6:48 work so hard that we miss prayer time, 6:52 oh, and wait a minute, there's more 6:55 work to do. After all, our life lasts 6:58 forever after we die. Well, we're more 7:04 concerned with our lives, the urgent 7:07 things that are right in front of us, 7:11 we don't know the much more important 7:14 things. That's human tendency, right? 7:17 Well, now the work model is changing. 7:21 There's one thing that hasn't changed. 7:23 Humans are moving towards retirement 7:25 and ultimately the afterlife. We're all 7:28 moving towards death. And what's 7:33 important is not just financially, but 7:37 who am I, without a position, without a 7:41 title? What's my benefit to the 7:44 community? What's my benefit to others? 7:47 Am I just enriching my family, 7:49 enriching myself? Well, most people 7:53 only measure wealth. Rarely do they 7:56 measure quality with their partners, 7:58 closeness with their children, even, 7:59 well, this is Mr. Krisna, I'm real. 8:01 What kind of stories are they called? 8:04 One of my friends is an official in a 8:09 government agency. He rarely sees his 8:14 children. To the point where his 8:16 daughters, uh, he said to his daughters 8:19 , uh, they said to their father, "Dad, 8:22 uh, how much do you make a day? How 8:24 much is your salary usually?" 3 million 8:27 . Oh, that means 1 million rupiah a day 8:29 ? 1 million rupiah a day. At one point, 8:33 how long had this girl been collecting 8:37 it? Did she give him a piggy bank, 8:39 what's it called? Uh, a piggy bank. I 8:41 also got goosebumps hearing this. So 8:43 she gave the piggy bank to her father. 8:45 He gave me a piggy bank, "Dad, ee ee I 8:50 bought it for 1 day, my dad gave me 1 8:53 million Rupiah from him. Ee exposed his 8:56 father until his father cried and 8:58 finally his father also left his job. 9:01 He took early retirement 9:03 to ee maintain quality with his son, 9:05 with his family. 9:06 Hm. 9:07 So and that's a real story. So eh, what 9:11 about our relationship with God, our 9:14 contribution to the community. Well, 9:18 the result is that many things happen 9:19 that we live on autopilot, Mr. Krisna. 9:21 Well, living on autopilot is living, 9:24 just waking up, going to 9:26 work, eating, then chatting with people 9:28 , then going home to sleep again. Ee ee 9:31 relationship maybe relationship with 9:34 wife ee or socialization is finished. 9:36 What's the difference between humans 9:38 and animals if it's like that? 9:40 Well, 9:42 but financially it might be enough, but 9:44 mentally it's empty. Economically it 9:48 might be safe, but spiritually it's 9:50 barren. That's why there are many top 9:53 people, people who are academically 9:55 good, but I'm sorry I can't even recite 9:58 the Koran. There are so many 10:00 things, maybe they're abundant, but 10:01 they lose the meaning of life, right, 10:03 sir. Well, in Islam, success isn't 10:06 measured by wealth, but Islam teaches 10:09 balance, right, between this world and 10:13 the hereafter, between productivity and 10:16 peace. There are blessings there and 10:19 benefits not only for the individual 10:21 but for others, right? Well, the kiss 10:24 is not a waiting period. So, how many 10:27 more years until I retire, 3 more years 10:29 ? Wow, I feel stressed about retiring. 10:32 On the contrary, retirement is our 10:34 opportunity to learn new things, move 10:36 up a class, right? Prepare for our 10:39 eternal life. We don't know. Maybe when 10:41 we work, we're already called by Allah. 10:45 When do we prepare, whether we work to 10:48 pursue or 10:49 worldly things, then we're called. Yes. 10:52 I might be younger, right? But many of 10:57 my friends have died, too, Mr. Krisna, 10:59 because of the wrong food, right? 11:01 Because of an improper lifestyle. 11:03 He. 11:04 So, how can we change my income, our 11:09 income, into a blessing? How can we 11:12 possibly commit to this starting from 11:15 our current age until we...When we die, 11:18 I teach my son, sir, from the moment 11:21 you wake up, you intend your life for 11:24 Allah and for Allah. Yes. So everything 11:28 we do is an act of worship. Secondly, I 11:32 dedicate myself to the people. So, for 11:36 the people, that is for the wider 11:38 community, not just Muslims, but other 11:40 religions. So, how can we be useful to 11:45 others? When we are useful to others, 11:47 our energy will be greater, our best 11:49 works will emerge, Mr. Kristana, right? 11:53 Well, like that. In Islam, there is no 11:55 such thing as retirement, 11:56 but being useful until death. So, it's 12:00 like this, ee, I am accompanied by this 12:04 , 12:04 ee, my mentor, ee, my senior coach. He 12:08 is ee, ee, from Singapore. ee, but 12:12 there are also many in Indonesia, ee, 12:16 Mister Ahmad Rizan. So, how do we build 12:20 an e-satuun mindset? How is it possible 12:24 that in the world there in Singapore, 12:27 people work until old age. We'll try to 12:29 hear his story later, because we want 12:31 to explore with him 12:33 how he 12:35 remains productive, remains productive 12:38 at an age that is no longer young. But 12:40 he goes back and forth between 12:41 Singapore, Indonesia, Malaysia, 12:44 Well, we'll ask him later. But his 12:48 physical age is the same as his inner 12:54 age, his soul is much younger inside. 12:57 So sometimes he's still enthusiastic, I 12:59 think, we're tired, this young man, he 13:01 still continues until the evening, 13:04 still 13:04 100%. 13:06 Well, so he also manages a lot of 13:08 community assets. He educates a lot and 13:11 his students, eh, one of his 13:13 organizations has more than 1,000 13:15 alumni. 13:16 Masyaallah. Well, so later, I'll ask 13:19 him, God willing, if he'll be willing 13:23 to share about life management. Life 13:28 management, especially we learn from 13:29 adaptations from developed countries 13:31 like Singapore. Later, he can share 13:34 because he's been there for more than 13:38 30 years and can build a community 13:41 economic business there. So, please, eh 13:44 , Mr. Krisna, maybe you can convey it 13:48 to 13:49 the youth. We've heard the introduction 13:51 from Bang Habib. Now we will hear from 13:55 Ustaz Rizani, a professional 13:57 practitioner from Singapore. 14:01 Assalamualaikum, Mr. Ustaz Ahmad Rizani 14:04 . 14:06 Waalaikumsalam Warahmatullahi 14:07 wabarakatuh. Wow, this is a very 14:10 interesting topic. Preparing for 14:12 retirement under the auspices of the 14:13 Qur'an. Could you elaborate, Ustaz? 14:16 Fadol, Ustaz. 14:18 Okay, thank you, Bang Husaini, and also 14:22 with Bang Trisna, we can stay in touch 14:27 through Radio Rasil and TV Rasil, okay? 14:32 Yes. Alhamdulillah, if we talk about 14:37 how our lives and lives are through the 14:42 current situation, we are actually 14:46 trying to compare several situations. 14:54 In Singapore, one of our duties is to 14:58 guide preparation for marriage. So, all 15:04 Muslims here are required to take 15:06 household courses. So, 15:10 they understand their rights and 15:13 obligations as Muslims in marriage. Yes 15:18 . So, this is where we will emphasize, 15:22 instill in you the need to prepare 15:25 yourself in all aspects of life, 15:27 including psychology, values of worship 15:32 , and also financial matters. Okay. 15:36 Well, of course, as Habib Husani said 15:40 earlier, we are Muslim everywhere, not 15:45 just Muslims. Others, ee, are lulled 15:48 into their work. Well, let's touch a 15:53 little on the formal or technical 15:56 preparations prepared by the 15:59 Singaporean government. For example, in 16:03 Singapore, all workers are required to 16:07 have a CPF. Now, this CPF is a savings 16:10 account 16:11 for the future. Okay. Well, there are 16:18 e-donor accounts, special accounts, and 16:20 something called medicine. Now, this is 16:25 what really impressed us. So if we get 16:30 sick, in Indonesia, we now have BPJSJs. 16:35 Well, if we don't, we have medicip. The 16:38 medicip money is what we use when we 16:40 get sick to pay hospital bills. Some of 16:45 that minisip money will also be used to 16:48 buy our insurance. Yes, that's in the 16:53 CPF, sorry, CPF is ee, a deduction from 16:57 our salary wherever we work, ee, 17:01 between 10 or 20%is deducted. 17:04 Well, but the employer has to add 10%. 17:09 Okay. So, ee, our ee is deducted 20%, 17:12 but the government also adds 10%, 17:15 meaning 30%is put into our savings. For 17:20 example, For example, if our child uses 17:23 it to pay for college, it can be taken 17:26 there, but after he works, he must 17:29 return it. 17:30 Oh, is that so? Then, if we as parents 17:33 consider it permissible or eliminating 17:36 what the child takes, that's not 17:39 allowed. It 17:41 must still be put into the parents ' 17:43 savings because it is the parents' 17:45 right for their future when they retire 17:47 . Yes. So, besides being used for 17:53 housing, this CPF is also used to pay 17:56 for housing. Here, we all take houses 18:00 from the government, we take loans, but 18:03 thank God, during my time here, I 18:06 haven't seen anyone being evicted from 18:09 their homes. 18:11 Now, if we later install a bank in the 18:13 bank, it will be auctioned by the bank, 18:16 right? 18:17 Yes. Yes. I. 18:18 Well, the protection for the community 18:20 here is also extraordinary. 18:23 Therefore, when we teach them to face 18:27 retirement, we must first understand 18:30 the essence of what retirement is in 18:34 Islam, right? Well, if we formally 18:37 retire, of course, we are released from 18:40 all our formal positions, right? Then 18:44 we get a portion of our salary, which 18:47 is received by us every month or by our 18:50 wife if we are passed away. That's how 18:53 it is, right? Well, if it's like Habib 18:58 Husaini said earlier, that's true. But 19:05 when we start working, we understand 19:08 the reality that we're not permanent in 19:12 that job and what and how we should do 19:15 after, for example, we no longer have 19:19 that position. Whether it's when we 19:22 retire or when we're retired by someone 19:25 , right? 19:25 Yes. 19:27 We have to understand this first. So, 19:32 the context in Indonesia will certainly 19:34 be different from Singapore. Well, in 19:37 Singapore, eh, if we look at it from an 19:41 Islamic perspective, it was busy before 19:45 , even now, if you look at the airport, 19:49 you see old people still working. So we 19:54 once asked one of the ministers in 19:59 Singapore. He simply answered," Is 20:02 there a term in Islam for retirement? " 20:04 There's no such thing as 20:06 retirement after we die. 20:08 Heeh. 20:09 Well, we live to work. We can formally 20:14 say we're no longer in office or 20:17 working because it's our age or time. 20:22 But our life doesn't stop there. So, 20:26 we have to work. 20:29 What is that? 20:31 Why? 20:32 Who is the activity if it's like that? 20:36 Well, firstly, some of our activities 20:39 have economic value, and some have 20:41 social, da'wah value, right? 20:44 Hmm. 20:45 Hmm. For example, economically, after 20:49 the age of 65 or 70, they retire and 20:52 work again. In Singapore, the elderly 20:56 probably don't work full-time. Meaning, 21:00 maybe they only work for 4 or 5 hours a 21:03 day. But they get benefits in terms of 21:07 health and social interaction, right? 21:10 Hmm. 21:10 Yes. Okay. And economically, they also 21:13 get a salary. 21:14 Yes. Okay. And here, if there are 21:18 people, as we call them, people with 21:21 disabilities, if they are employed by 21:24 companies, they will get tax breaks, 21:27 including working for the elderly too. 21:33 Okay. So, if we go back to emphasizing 21:37 why we retire, the principle is when 21:40 Israel comes to pick us up. Yes. Well, 21:46 here, it's the same, even though it's 21:48 not said to be Islamic values, we are 21:50 asked to be active and active in the 21:55 social field, in the field of ee 21:59 religious ee so that there is no wasted 22:02 time when we reach the ee elderly 22:06 period. Well, then what if we talk 22:10 economically, yes, people still work 22:13 according to their age, right? And 22:16 secondly, if we look at the Qur'an, the 22:19 sidir of Surah Al-Asr says," By time, 22:22 indeed, mankind is in loss except for 22:25 those who 22:27 do righteous deeds, right, who are 22:28 pious, right? "Well, that's how it's 22:31 practiced here. Well, so in Indonesia, 22:34 sorry, ee coincidentally, this might 22:38 just be a currency issue. 22:40 He. 22:41 If we were here, our pension money 22:44 could not be withdrawn 100%. So here 22:47 there is no such thing as a state 22:48 pension anymore, 22:49 right? 22:50 So here everyone must have their own 22:53 CPF savings, where CPF savings are a 22:56 preparation for their old age. Well, 22:59 but the savings itself, if we look at 23:02 the name CPF, is managed by the 23:05 government, by a government body. And 23:09 if you want to look at the interest 23:10 rate, we can get interest too, you know 23:12 . But we don't think about that, right? 23:15 So, why? The funds, The F is also 23:19 invested in stocks, maybe, or where, we 23:20 don't know. Well, secondly, if we used 23:24 to be allowed to take it all at once, 23:28 now the Singapore government doesn't 23:31 allow it. 23:32 H. 23:32 Well, then we'll only be given it in 23:35 installments per month, according to 23:38 the value of our savings. For example, 23:41 if we have 250,000 dollars in savings, 23:43 for example. Well, we'll receive it 23:46 until we die, that's how many thousands 23:48 of dollars per month, right? It's 23:52 maintained there, right? Well, this is 23:56 what, ee, if we get sick, for example, 24:00 if our Medisip isn't enough, it can be 24:04 topped up by our parents 'Medisip, and 24:07 the CPF money itself can be inherited 24:11 by our children or children when we die 24:14 . So, it's not lost. Well, this is 24:18 retirement preparation, ee, if we look 24:21 at Singapore, right? Well, then in 24:25 Indonesia, if we want to practice 24:28 Islamic values, right? Well, when we 24:32 have been working formally for so long, 24:36 then when we stop, maybe we will 24:39 experience power syndrome, lack of 24:42 social and religious activities, right? 24:46 And various diseases will arise, ee 24:49 within ourselves. Okay. So, how do we 24:54 address this? We must return to Islamic 24:58 values, which have taught us to utilize 25:02 our time optimally so that our lives 25:05 are rich with benefits. Benefits for 25:09 ourselves, our families, and others. We 25:12 must do this. Now, from an economic 25:15 perspective, of course, it has a 25:17 significant impact. A person cannot 25:20 engage in sincere social and religious 25:24 activities, or even simple ones, 25:27 without supporting financial or 25:30 economic facilities. Okay. In Singapore 25:35 , we are limited. In Indonesia, there 25:38 are actually no limitations on the 25:40 facilities or means for doing business. 25:42 Why? In Indonesia, we can farm, right? 25:48 There are many opportunities for 25:50 agriculture. And I tend to direct you 25:54 in that direction, as they say in 25:57 Indonesia, or if you want to save, save 25:59 it in the form of gold. Okay. Why? If 26:05 we save in gold, of course, you know 26:09 the current global economic situation. 26:14 So, Indonesia isn't the only one 26:16 experiencing this. 26:17 Hmm. 26:18 Well, this is what we must understand. 26:20 So, of course, every country has a 26:24 different way of improving the welfare 26:29 of its people. Okay. Well, in Singapore 26:33 , they will continue to optimize the 26:36 job opportunities that are always open. 26:40 For example, let's digress a little, 26:42 during the COVID period. The COVID 26:45 period was to keep hotels alive. Uh, so 26:50 foreign workers who couldn't return 26:52 home, especially those from Malaysia, 26:55 were required to stay in hotels paid 26:58 for by the state. 27:00 Oh, I see. Okay. 27:02 Masyaallah. 27:03 And uh, every Singaporean citizen is 27:05 given a voucher every few months to 27:08 stay in a hotel. 27:10 Hmm. What's that for? 27:13 Ah, so hotels don't die. 27:15 Oh, Masyaallah. 27:16 uh, because now we're staying at home, 27:20 for example, and rarely doing 27:22 activities. Of course, we want to 27:24 refresh ourselves, but overseas travel 27:26 is limited. That's not allowed, right? 27:29 So, just domestic travel. Well, and 27:35 then, each family, depending on their 27:37 economic level, usually received a 27:40 government subsidy of up to 10,000 27:42 dollars yesterday. 27:44 Hmm. 27:45 So, why? To keep the circulation going, 27:49 uh, every racket with money, 27:51 individuals with money, will 27:53 automatically shop. By shopping, the 27:56 economy rotates, right? Well, That. So, 28:02 we must also apply this to our lives 28:06 when we organize our economic lives, 28:09 our activities when preparing for 28:13 retirement. When I retire, I'll have a 28:17 certain amount of cash deposit in the 28:20 form of gold, I'll be a farmer or 28:23 something like that. So, life will have 28:27 meaning. But if we suggest that if the 28:32 property is good, then go ahead, but 28:37 don't put all the money in one basket. 28:42 So, for Muslims, we recommend that we 28:46 have also spoken with the ministry, 28:49 especially the Ministry of Religious 28:53 Affairs. It would be better for young 28:57 Muslims who are getting married to take 29:00 household courses that relate not only 29:02 to their rights and obligations, such 29:05 as earning a living as a husband, what 29:08 are their obligations as a wife, but 29:10 also how to manage their finances. 29:14 So, the economy of the community, right 29:15 , Ustaz? The 29:16 economy of the community. So, if that's 29:19 understood, thank God, if productive 29:23 waqf programs in Indonesia become 29:27 mainstream, productive waqf will 29:31 certainly be aligned with retirement 29:35 preparation programs for our people in 29:39 Indonesia. Because while doing business 29:43 , we can also give charity. there with 29:46 the productive waka programs, right? 29:49 So, Ustaz, that's 29:50 very interesting. Very interesting, ee, 29:53 regarding ee, Ustaz's explanation. But 29:57 this is a phenomenon, we often see 30:00 successful people who have positions, 30:03 own houses and so on. Sometimes they 30:06 are called professors, directors and so 30:08 on. But they are afraid of retirement, 30:11 Ustaz. Why are so many successful 30:13 people afraid of retirement? According 30:15 to Ustaz, that's how it is. ee 30:17 yes, because 30:20 like this, sorry, because they don't 30:24 realize ee that wherever we work, 30:29 whenever we are used by people, we 30:32 shouldn't think that when we retire, we 30:35 are not used, that means we are 30:38 disappointed or failed or not ready, 30:41 you know. That's why even when we are 30:44 still in school, we must be instilled. 30:47 We, ee, we learn this not to be a 30:49 curator. That's the first. 30:52 Second, we work not because we want to 30:55 just make money, but because we are 30:58 implementing Islamic values. It is said 31:02 that okeika ruanganmah (property) 31:05 commands people with wisdom. That's the 31:08 first. Second, we preach with bilhal, 31:11 bilisan, right? Bilhal is through deeds 31:14 . Well, these deeds are certainly also 31:17 associated with the economic system and 31:19 so on. So, instill that from the time 31:23 we're in school. Wherever and whenever 31:27 I am, I will be ready to do my best. 31:31 Okay. So, don't be afraid. Now, if 31:33 someone is afraid of retirement, afraid 31:35 of losing their position, and then even 31:37 though they are intelligent, they 31:39 become confused, that's because their 31:41 moral principles are not well-measured. 31:44 Well, there's also an interesting 31:46 phenomenon in Indonesia. 31:48 Hey, people are invited to worship, 31:51 right? Let's go to the mosque regularly 31:53 , let's read the Quran diligently, for 31:56 example. Hey, then the answer is like 31:58 this, Ustaz. Well, then, wait until 32:00 retirement. When they retire, they 32:01 often go to the mosque. So, this is a 32:03 bit unique in Indonesia, Ustaz. The 32:06 people who frequent the mosque aren't, 32:09 well, some are young people, but some 32:13 are retired people. So, once they 32:15 retire, they go to the mosque every day 32:18 . They're diligent. Now, in my opinion, 32:21 is it waiting? Yes. Right? Right? Mr. 32:23 Krisna? 32:24 Right. 32:24 Right? There are so many like that. 32:26 Let's ee, what's it called? So, It's as 32:29 if we're separating this, we're working 32:30 on this world now, and the afterlife 32:32 later. Even though we don't know how 32:33 long we'll live. Well, this is actually 32:36 the concept if we do something like a 32:38 productive waqf, like the ustaz, who is 32:41 actually a waqf expert, in my opinion. 32:45 Yes, so I often teach about waqf. A 32:48 productive waqf is actually a worldly 32:51 endeavor and the afterlife. For example 32:54 , we have land, we build a business, 32:58 the land is waqf land. The business is 33:00 shared between the waqif and the 33:02 congregation. Created by the 33:04 congregation. Actually, there are many 33:07 implementations of the afterlife 33:09 related to our preparation for 33:11 retirement, which are separated. Oh, 33:14 now, let's say we're working now, then 33:16 the afterlife. But after retirement, 33:19 for example, suddenly die, or one day 33:22 after retirement, post-syndrome and 33:24 then die, we don't know. So, how do we 33:27 combine the concept of the world and 33:30 the afterlife? Don't wait until 33:33 retirement, let's teach now, we can get 33:35 the afterlife in this world, or we can 33:37 get the afterlife in this world, that's 33:39 the best. Yes. We are pursuing our 33:42 eternal life. We intend our waqf, but 33:45 we also get that for our daily lives. 33:47 Because what we build is not like a 33:50 gecko looking for food or a bird 33:52 looking for food, but we build a spider 33:55 . Spider means that every time someone 33:57 passes by, it sticks to it. So, how, 33:59 Ustaz, do we create a business concept 34:02 that we get the afterlife, primarily, 34:05 but also this world. Ustaz, how is it 34:08 possible, Ustaz, that the concepts you 34:11 have experienced in Singapore can be 34:13 applied in Indonesia, right? So, for 34:16 example, seeing the elderly is not a 34:19 burden, but rather, they are seniors. 34:21 So, I see that the people who teach in 34:24 Singapore, whether it's the elderly, 34:26 are considered more experienced, indeed 34:30 , in terms of knowledge. So, they are 34:33 truly respected, Ustaz. So, indeed, the 34:35 elderly there still have a lot of work 34:37 to do. So, like that. What do you think 34:39 about these two phenomena, Ustaz? 34:41 Yes. 34:42 So, first, we have to understand. 34:47 Indeed, Israel will come anytime, he 34:50 can call us. That's right. Well, the 34:54 second thing is that we have monotheism 34:57 , right? So, therefore, with monotheism 35:01 , we instill faith. Pretend that we are 35:05 already dead. Dying means dying with 35:09 worldly desires that can lead our lives 35:12 astray. So we no longer have the desire 35:17 to defend. We can't defend anything for 35:19 the sake of truth and goodness. But 35:22 that doesn't mean maintaining it has to 35:25 mean misleading ourselves. For example, 35:30 I once met someone here, yes, at that 35:34 time he met me. M he comes. Is it okay 35:40 if this is a teacher? Is it a teacher? 35:43 I want to give waqf. So I said, what 35:48 can I donate to you? I want to give 35:51 waqf and ask to buy land and a mosque, 35:55 build a mosque in Indonesia. Okay. At 36:00 that time, if I'm not mistaken, it was 36:02 70,000,000 dollars and an old lady, a 36:04 retired teacher. Until I said," Cikgu, 36:10 if you share this with Cikgu, what will 36:13 he answer? "I'm afraid that when I 36:16 suddenly die, this money will still be 36:19 in my hands. How will I answer this to 36:23 Allah? If I eat enough, yes, sharing it 36:27 with my children is enough for me to 36:30 eat. But I think this money is not 36:33 useful for other people. Well, this 36:37 means that if we can see here, he has 36:40 prepared himself for when he retires. 36:44 He knows the nature of retirement, he 36:46 no longer has an income, even though he 36:49 has savings, but he donates the main 36:51 money that is more than his needs. Yes. 36:56 Then I said," Cikgu, okay, there are 36:58 two types of waqf, cikgu. There are 37:01 permanent ones, there are productive 37:03 waqfs or you can arrange them for going 37:05 home. The important thing is that they 37:07 are useful for the people. "Yes, 37:10 because of what? Because I don't need 37:13 the profits anymore but I will return 37:16 them to Allah. Well, now people who 37:21 retire in Indonesia or wherever they 37:25 think about what my children will be 37:28 like when I die. Yes. Well, that's why 37:32 I'm sorry, the people here who are in 37:35 congregational culture are actually 37:39 poor people even though they are rich. 37:43 Because of what? Because what he 37:45 inherited was haram. So when he died, 37:50 who would fight over his money? First, 37:53 maybe he hadn't finished paying the 37:55 lawyer. Right? Then his wife and 37:58 children would fight over the haram 37:59 money. Well, that's why that person is 38:02 afraid. But when he lives his life 38:04 according to Islamic values and seeks 38:08 what is halal, he's not afraid to let 38:11 it go. Yes. So, if we are in Indonesia, 38:15 please, if we have a life, use it to 38:18 make a productive waqf from some of our 38:21 money. A simple example is this: come 38:24 and go to a traditional market. Yes, 38:28 when we shop at the supermarket, we 38:31 never bargain. But when we shop at a 38:35 traditional market, we bargain down to 38:38 the bone. Right? Well, the first thing 38:42 we do is, for example, he sells kale 38:44 for Rp 25,000," Ma'am, is it okay if 38:47 this is made Rp 20,000? "If he wants to 38:50 pay Rp 25,000, don't pay Rp 20,000. Why 38:55 ? Consider the Rp 5,000 as charity to 38:57 him. 38:59 Okay. Right? If we still buy Rp 25,000, 39:02 we won't get any reward. Right? 39:05 Yes. Well, but our intention will get 39:07 rewarded, you know. Well, it's the same 39:09 with anything we do like that. We ride 39:12 a pedicab or bargain first how much. Oh 39:16 , my target is Rp 3,000, I ride a 39:17 pedicab for Rp 30,000, but it turns out 39:19 he wants to pay Rp 20,000, so we'll 39:21 give him Rp 30,000. 39:22 We still give him Rp 30,000. 39:24 Well, that's 39:25 interesting. That's an interesting 39:27 concept. 39:28 Yes. Secondly, our preparation is easy. 39:31 Try asking one of the traders there. 39:34 Usually they get caught by loan sharks. 39:38 Hm. 39:39 Okay. Ah, you have money, you agree 39:42 with him," Ma'am, I'll pay the loan 39:44 shark. "But please don't borrow money 39:47 from loan sharks again." Then how much 39:48 capital do you have for trading? Oh, my 39:50 trading capital is Rp 2 million. Okay, 39:52 Ma'am. Here, I'll give you another Rp 2 39:54 million. Then, please, let's share the 39:56 profits, okay, Ma'am. Well, we're 39:58 talking about the smallest thing. How 40:01 much do you think you'll give me? But 40:03 don't forget, you'll also be giving 40:05 alms. 40:06 Oh, this is a continuous process. 40:09 Ah, a continuous process. Well, let's 40:12 give an example, not far away in 40:15 Purbalingga, the BNT was built at that 40:19 time with capital of around 70 million 40:22 Rupiah. 40:23 Hmm. 40:24 But its assets are now in the billions, 40:26 if I'm not mistaken. When I visited 40:28 there 5 years ago, it was already 8 40:31 billion Rupiah. 40:32 Hmm. 40:34 So, what are they doing? Driving out 40:37 the loan sharks in the market. Is 40:41 there an Indomaret Valmar there or in 40:44 Purbalingga? 40:46 Uh, I didn't go there, but it seems 40:48 like they're still there. But what's 40:50 interesting about this? The mothers 40:53 drove out the loan sharks, and then all 40:56 the traders there were funded with 40:58 capital. 41:00 Well, since 2000, we have been 41:03 suggesting to the Indonesian government 41:07 , even to the regions, to please build 41:10 halal markets and halal food industry 41:14 centers. Okay. Well, then the issue 41:19 will get worse. If there is halal, it 41:21 will be considered an Islamic country, 41:22 they say. Well, just changing the name 41:25 is no problem. The important thing is 41:28 that all products there are halal and 41:31 thayiban. Yes, don't let examples like 41:35 what happened in West Java, maybe in 41:37 Bandung, there was a sausage factory, 41:40 or a sauce factory that used prohibited 41:42 ingredients that had been operating for 41:45 years. Well, that impacts public health 41:48 and is crowded, like chickens being 41:50 slaughtered, the deaths weren't due to 41:53 slaughter, but because of the hot water 41:55 . 41:59 We've reviewed 50 cities there that are 42:02 like that. Even what kind of chicken? 42:04 Tower chicken, right? In Indonesia. 42:06 Turen to turen. 42:07 Heeh. Yesterday, right. Heeh. So, if we 42:10 take a simple example, the government 42:13 does exist in our society, for example, 42:15 building markets, but why are the 42:18 markets so quiet? People still sell 42:21 their goods in their old places, for 42:23 example. Well, we shouldn't drive 42:26 people away from their place of origin 42:28 and build a market there. For example, 42:32 we come here, we want a productive waqf 42:34 for our retirement, we're a 42:35 congregation. Okay. We'll come to the 42:38 traditional market. Ma'am, Sir, would 42:41 you like us to renovate the market 42:42 without paying you? Yes, we'll provide 42:45 the capital. Later, we'll also provide 42:48 capital for your business. Then, we'll 42:50 pay off your debt to the loan shark. Do 42:52 you think people will refuse? 42:54 Yes, they're still welcome. They 42:56 won't refuse, right? No. 42:57 Well, if they don't refuse, when they 42:59 sell eggs, we'll provide capital for 43:02 them, not the money. 43:04 Heeh. Okay, for rice, we'll provide 43:07 capital for them, but we won't reduce 43:11 their profits or raise the price. In 43:15 fact, with this concept, the price 43:16 could be cheaper. Okay. Now, this is 43:21 what we have to do. Second, for example 43:24 , ee ee Bang Krisna ee ee ee produces 43:30 tempeh and tofu. So far, if it's made 43:34 at home, is there a guarantee that it 43:37 won't be peed on by mice or disturbed 43:39 by cockroaches? Well, that's impossible 43:41 , right? Of course, hygiene can be 43:44 compromised, right? So, if we provide a 43:48 place, occupy it for free, and then 43:51 provide the raw materials, would that 43:54 be a bad idea? No, right? Well, this is 43:59 where our role lies. So, we are the 44:02 suppliers to the halal food industry. 44:06 And in traditional markets, we process 44:10 and teach them how to sell Islamically. 44:14 There's a contract of sale, right? In 44:17 Kalimantan, it exists even in 44:19 Banjarmasin. Buy, I sell, I buy. 44:22 There's that kind of talk sometimes. 44:25 Well, that's cultural, right? So, to 44:29 ensure Taiwan's halal status is 44:31 maintained, we don't need to open 44:32 minimarkets or anything. We protect 44:35 traditional markets because they are 44:37 the lifeblood of our people. Free them 44:39 from the brink of bankruptcy. Use some 44:42 of our pension money to educate them. 44:45 Maybe you can set aside 2 million, 5 44:47 million, or even 10 million, but you 44:50 won't become poor. That's how it is. 44:53 Yes. Well, that's 44:55 according to Ustaz, huh, according to 44:59 Ustaz, we can start now. So, there's no 45:02 need to wait for retirement, but start 45:05 with small capital, what's it called 45:07 helping the community, and we also do 45:09 business there, right? So, if I caught 45:12 it from Ustaz's conversation, for 45:14 example, we prepare four accounts, 45:16 right? Today's account is for 45:18 operational purposes, there's a health 45:20 account, there's a retirement account, 45:22 and an afterlife account. The afterlife 45:25 account is like for productive alms, uh 45:27 , productive waqf, like earlier, for 45:30 example, there's charity. For example, 45:33 we talked about putting in this month's 45:35 budget of IDR million for the egg 45:37 seller, right? We also have to prepare 45:39 for retirement, actually, starting from 45:42 a small start, Ustaz. Yes, that's right 45:43 . 45:44 So, according to Ustaz, before 45:46 retirement, we have to prepare first 45:49 because there's a lot of this 45:51 phenomenon in Indonesia, Ustaz. When 45:54 people retire, they get a pension. The 45:56 pension that should last 20 years, they 45:59 spend it in 1 year or 2 years. Why? 46:01 It's not normal to hold a large sum of 46:03 money and then be tempted by friends 46:06 and connections. Wow, we'll make a 46:08 certain amount of profit, how many 46:11 years will it take? In the end, many 46:13 people get conned, many fall into the 46:15 trap. They're not used to business, 46:17 they're not used to working, they're 46:19 offered investments, tempted by the 46:22 promise of wealth. And those offers 46:26 usually go to the reptilian brain. This 46:29 reptilian brain has calculated the 46:31 numbers in advance, oh, it's already in 46:32 , it's just in. This bypasses logic 46:34 again. So, 46:36 H, that's a 46:36 common phenomenon in our society. 46:39 Pension money goes into one or two 46:41 revenue streams or sources, then it's 46:43 gone. Gone. After that, they're 46:45 stressed. After retirement, oh my 46:48 money's gone, and I'm sick. Finally, 46:50 after I'm sick, I die. Many people are 46:53 like that. So, uh, there's no 46:55 management, uh, intelligence in 46:57 managing money, business intelligence, 47:00 intelligence in preparing for the 47:03 afterlife, and so on. How did that 47:06 start, Ustaz? Starting from the daily 47:08 life, as Ustaz said, perhaps there are 47:11 practical, practical knowledge that we 47:14 can apply in Indonesia, especially 47:16 perhaps adopting from Singapore or 47:18 other developed countries, Ustaz. So, 47:22 in Indonesia, in Singapore, we're like 47:26 supermarkets, and we're the workers. 47:29 Okay. Then here, their economy is well 47:34 integrated. Well, if you look at what I 47:38 said earlier, the opportunities in 47:40 Indonesia are enormous. If we want to 47:43 open a sports shop, we might need 47:45 billions in capital. Is that right? So 47:49 please observe traditional markets, 47:51 they're already vibrant markets. Okay. 47:56 We don't need to be the traders. Okay. 48:00 But we're the ones who collaborate to 48:02 provide the capital. Right? For 48:05 retirement, that's how it is. It's very 48:07 beautiful. Maybe you'll feel good and 48:10 comfortable too. For example, if you 48:14 have five traders, you look at the 48:17 permanent traders and truly traders 48:20 that we see as trustworthy, and there 48:23 we can also preach. Come on, ma'am, 48:27 later, come on, sir, don't forget, when 48:31 it's prayer time, stop selling. Well, 48:34 this is one thing I saw, uh, there's a 48:38 repair shop in the Cilengsi area that's 48:41 closed on Fridays. 48:43 Yes. 48:44 I asked why it's closed, sir? So that 48:47 we can focus on worship on Fridays, sir 48:50 . E because worship is also preparing 48:53 for our retirement, sir. Is it for 48:56 retirement in the afterlife, they say? 48:59 Well, even though this is meant as a 49:03 joke to them, they really do that, 49:06 right? Okay. So, so for those of us who 49:10 are about to retire, let alone those 49:11 who are about to retire, retirement 49:12 preparation, right? From the moment we 49:15 start working, we have to prepare. We 49:18 can retire at any time. Retirement 49:21 means we've been laid off or our term 49:23 of service has ended. Right? Formally, 49:29 but socially or religiously, we haven't 49:35 retired yet. Ah, it's just how to keep 49:40 our economy going, right? Well, this is 49:46 another example I saw. We see, uh, a 49:50 phenomenon in Indonesia where it's 49:53 become a culture for people to drink 49:56 bottled water. Is that right? Yes, 49:59 gallon water is refillable, right? Well 50:03 , I once suggested that if you want to 50:06 prepare your economy, please try, how 50:09 many housing complexes are there in 50:12 your neighborhood? Oh, there are about 50:15 3,000, 4,000 houses, or houses, or 50:17 families, they said. Okay. You 50:21 shouldn't sell gallon water in a shop 50:24 or in your house. Why, Ustaz? Well, 50:27 it's like this. You buy a water machine 50:31 that can really produce quality water 50:35 that can be better than those 50:37 well-known products. Place the machine 50:41 in the mosque, collaborate with the 50:43 mosque. Okay. You don't sell water, and 50:47 there are only two things we are not 50:49 allowed to sell: water and fire. What 50:52 we are allowed to accept is the 50:54 procurement service, not the physical 50:56 goods. We have to understand this, okay 50:58 ? So, after that, what if we don't sell 51:02 water? You don't sell water. You say, 51:06 please take water here. It's free. You 51:10 just have to donate. Okay. So, donate, 51:14 for example, if it's delivered, the 51:17 price is IDR 6,000, but if you want to 51:20 pick it up, you can donate IDR 4,000, 51:22 or whatever. Imagine if we buy gallons 51:27 of water outside and get rewarded? We 51:33 don't get rewarded for buying it. But 51:35 when we pick up the gallons of water 51:37 from the mosque, does the person who 51:39 prepared it get rewarded? And does the 51:42 person who takes it because they donate 51:43 get rewarded? So both of them, in 51:46 retirement, in this world and in the 51:48 hereafter, still get rewarded 51:50 economically. If a family buys gallons 51:54 of water for cooking and drinking for a 51:56 month, that's just five gallons for 51:59 their household needs. Five gallons, 52:02 multiplied by 4,000 families, is 20,000 52:05 gallons. Well, there's the value of 52:09 your pension there too. But you also 52:12 donate a waqf, donating a machine is 52:14 called a productive waqf, you'll get a 52:16 certain percentage of the proceeds. 52:19 That percentage goes to the mosque. And 52:22 the person who takes the water also 52:24 gets rewarded for donating. Just 52:28 imagine, you still get rewarded. Yes, 52:32 everyone can enjoy happiness in their 52:34 retirement, in this world and in the 52:36 hereafter in that way. It 52:37 feels like sustenance is being given 52:39 sustenance. Try doing that, okay? And 52:43 once again, pay attention to the market 52:45 because so far everything has been 52:48 dominated by a strong economy. Excuse 52:52 me, from head to toe, whose products 52:54 are we wearing? Are there any MSME 52:59 products? Yes, for example, outside the 53:05 region, in Kalimantan, Sumatra, 53:07 Sulawesi, money comes there but is 53:09 suddenly pulled back to industrial 53:11 centers in Java. For example, Lampung, 53:14 Toraja, they produce coffee. Yes. 53:19 But why buy sachet coffee that comes 53:21 from Java? 53:23 I mean, from 53:23 Java, the money is sucked back in. He. 53:44 So, here we have to maintain protection 53:46 , right? What I see in Johor is like 53:49 that in Malaysia. 53:54 So each region has its 53:58 MSMEs protected and uh, ... 54:05 Because in Indonesia, PT is called that 54:08 permit. 54:09 Yes, 54:09 yes. So, try to imagine, in the end, ee 54:13 , is that product limited to its local 54:16 area only. If it is sold outside the 54:20 region, everywhere, if it is discovered 54:23 , it can be closed or fined or whatever 54:26 because without a permit, they produce 54:28 up to a certain capacity, they say. God 54:31 knows best. Well, we also have to think 54:34 about this. Those who have BPOM are 54:38 only people who have strong economic 54:40 capital. Right? 54:42 Right. Right. So, how can someone 54:45 retire and become, sorry, a security 54:47 guard, but he has the skills to make, 54:50 say, food products. 54:52 H 54:53 okay. Ee but he is not capable of 54:55 managing his BPOM. 54:58 Right? Well, this is also a 55:02 contradictory thing if we want to make 55:04 all of our people productive so that 55:07 they can take off in this world and in 55:10 the afterlife, right? That also has to 55:12 be considered. D so that's it. Once 55:16 again, there is no place that makes our 55:21 lives difficult except ourselves, right 55:25 ? There's no such thing as, uh, sorry, 55:30 loss unless we think about it. What 55:34 I mean is, when you're about to retire, 55:37 uh, especially from a formal work 55:40 perspective, we sometimes feel a loss, 55:43 right? Well, loss is when we no longer 55:47 want to do existing actions that still 55:49 have a long time left. As ee Habib 55:52 Husaini said earlier, 55:54 we might work formally for 30 years, 56:00 but we might retire at 35, we're still 56:03 alive, right? 56:05 Yes. 56:06 So, we have to think the other way 56:08 around. I work like this to actually 56:12 prepare for a longer life. 56:16 Yes. 56:17 But not because I get paid, but how I 56:20 create jobs. I. 56:23 Okay. That's from the economic side, 56:24 right? 56:25 Well, secondly, if our economy is 56:27 sufficient, as the usta said earlier, 56:29 we can just dive into productive waqf. 56:33 There are many things we can do. God 56:36 willing, your soul will be at peace 56:38 even when you die, uh, your good deeds 56:40 will continue with that productive waqf 56:42 . 56:44 Yes. Yes. Well, there's a lot 56:46 if I may ask, Ustaz. If we want to go 56:50 into more detail about this, Ustaz. Is 56:54 there some kind of mentoring or 56:56 training related to retirement 56:58 preparation, Ustaz? 57:00 Yes. Yes. We will, God willing, last 57:04 month, we held a seminar on productive 57:08 waqf, right? Ma'am. 57:10 Ahah. We will hold another training for 57:14 about a week. That's for retirement 57:18 preparation. Well, what we prepare here 57:21 is in accordance with Islamic values. 57:24 The first thing we prepare is our 57:27 hearts, our faith, right? Our morals. 57:31 How do we feel more enthusiastic when 57:35 we face retirement? Not slack. 57:38 Yes. Yes. Okay. Okay. Why? Because we 57:41 are getting closer to death. When we 57:43 get closer to death, we become weak, 57:45 and we end up having a negative 57:46 attitude towards Allah. 57:49 Okay, Bang. 57:50 Bang Adian, that's 57:53 Bang Habib. 57:55 This is a very interesting discussion. 57:57 Preparing for retirement under the 57:59 guidance of the Quran. But 58:00 unfortunately, we are limited by time, 58:03 Bang Habib. Okay, maybe I need to read 58:06 out the phone number first. Later, if 58:09 you want to invite a seminar speaker, 58:12 please contact his wife, Ustazah Laeli. 58:17 Please note the number. Ustazah Laili 58:19 is the wife of Ustaz ee Ahmad Rizani, 58:23 her number is 0812. That's it. Then 84, 58:31 then 72 8 97 08128472 8997. For Habib 58:43 Husein Husein, this is 08 23 10.213 58:52 0823 10.000 213. Bang Habib is a master 59:00 trainer from BNSP. 59:02 Amazing, 59:03 Bang Habib. Lastly, ee as a closing. 59:06 Please go ahead, Bang Habib. 59:11 Friends of ee radio Silaturahim who are 59:13 blessed by Allah. When our term ends, 59:17 today we learn that retirement is not 59:19 the end of life. Retirement is the end 59:22 of one chapter. We are entering a new 59:24 chapter, yes, for decades we have built 59:27 a career, taught targets, collected 59:30 assets, yes, raised a family. But one 59:32 day we will know where our job identity 59:37 is no longer valid. Our space in the 59:40 office will be occupied by someone else 59:43 , our phone number will be used by 59:45 someone else too. The chair we sit on 59:48 will also be used by our successor. 59:52 What remains is not a position, a job, 59:54 not a title, not a position. Our title 59:58 is not written on the grave either. 1:00:00 Well, but the character, integrity, and 1:00:02 deeds that we leave behind 1:00:04 for others. So 1:00:05 I 1:00:06 don't just prepare a retirement fund, 1:00:08 but a retirement soul, 1:00:10 retirement health, a family that is 1:00:14 ready, a mature one. And most 1:00:16 importantly, prepare provisions to face 1:00:19 Allah Subhanahu wa ta'ala. Because in 1:00:21 the end, humans are not remembered 1:00:24 for their work but remembered for what 1:00:27 they leave behind for the ummah. That's 1:00:30 it, Mr. Kral. 1:00:31 Okay, Bang Habib. Thank you, Bang Habib 1:00:33 . Then also Ustaz Ahmad eh Rizani, 1:00:36 thank you for your contribution. The 1:00:38 preparation for retirement under the 1:00:41 laws of the Qur'an is extraordinary. 1:00:43 Extraordinary. Okay, we will meet again 1:00:48 on the first Thursday in July. I, 1:00:52 Muhammad Krishna, and ATP Setiabudi and 1:00:54 Algi, also take my leave. May Allah 1:00:56 grant us good fortune and guidance. 1:00:57 Peace be upon you and the mercy of 1:00:58 Allah and the blessing of Allah. Brazil 1:01:14 TV 
