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inilah Makna Lailatul Qadar yang sebenarnya buat Orang Miskin, sayang yang melakukan Obama, Gimana Pak SBY? Mau ikutan?

2009-09-14T00:21:00.000-07:00

TEMPO Interaktif Senin, 14 September 2009 | 10:41 WIB , Di tengah sunyinya malam Ramadan, yang menurut para ulama diyakini sebagai malam-malam penuh keagungan (laylat al-qadar), penulis, seperti biasanya, melaksanakan tadarus. Selepas itu, penulis membuka CNN.com untuk melihat perkembangan terkini, setidaknya masalah yang paling banyak diperdebatkan di berbagai mancanegara.

Tiba-tiba penulis tertuju pada pidato Presiden Barack Husein Obama di hadapan anggota Kongres AS perihal jaminan kesehatan bagi publik AS. Yang menarik dari pidato tersebut ialah Obama meneguhkan komitmennya untuk memberikan jaminan kesehatan setiap orang Amerika, baik kalangan miskin maupun kelas menengah-atas. Kebijakan soal jaminan kesehatan ala Obama memang sangat luar biasa karena jaminan tersebut dapat meng-cover kebutuhan masyarakat untuk berobat secara gratis, murah, dan profesional. Kubu Republik menentangnya karena kebijakan tersebut dapat membebani keuangan negara yang sudah kelimpungan atas beban krisis finansial yang menimpa negeri Abang Sam itu.

Namun, Obama tetap berkukuh mewujudkan mimpi kesehatan bagi seluruh rakyat AS. Mimpi tersebut juga merupakan mimpi sebagian besar rakyat AS, dan tentu mendiang Ted Kennedy, sebagaimana disampaikan Obama dalam pidatonya. Selain itu, anggaran untuk jaminan kesehatan lebih kecil daripada anggaran perang Irak dan Afganistan.

Pelajaran berharga dari momen mencari Lailatul Qadar tersebut, yaitu alangkah baiknya jika momen Lailatul Qadar juga diisi oleh kesungguhan niat para pemimpin negeri ini untuk membela hak-hak rakyat, terutama mereka yang miskin. Malam yang agung sejatinya dapat mengetuk kesadaran dan ketulusan para pemimpin untuk melakukan terobosan kebijakan publik yang memihak rakyat paling bawah.

Dalam bidang pelayanan kesehatan, kita masih menghadapi masalah serius karena kurangnya fasilitas dan mahalnya biaya kesehatan. Masalah ini hanya dapat diselesaikan dengan ketulusan dan kejernihan hati para pemimpin kita untuk memberikan sesuatu yang terbaik bagi umat dan bangsa ini. Betapa banyak orang yang meninggal dunia setiap hari karena mereka tidak mampu berobat di rumah sakit.

Lailatul Qadar adalah malam yang lebih baik dari 1.000 bulan. Malaikat dikabarkan turun di malam yang agung ini. Nah, semua itu akan terasa lebih indah jika Lailatul Qadar tidak hanya menjadi materi ceramah yang didakwahkan setiap Ramadan, tetapi dampaknya terasa kosong-melompong. Akhirnya Ramadan berlalu, tanpa pesan dan makna yang membangun bagi keindonesiaan kita. *

Zuhairi Misrawi, Ketua Moderate Muslim Society

Sumber Tempo Interaktif

OUTBUILDING CLAUSE

2009-06-11T02:07:00.001-07:00

The insurance by each item under buildings is understood to include walls, gates and fences, small outside buildings, extensions, annexes, exterior staircase, fuel installations, steel or iron framework and tanks in the said premises and the insurance by each item under contents extends to contents of each out building, provided their values are included in the sum insured.

MATERIAL DAMAGE PROVISO WAIVER CLAUSE

2009-06-11T02:06:00.002-07:00

It shall not be a condition precedent to liability in respect of interference in consequence of damage that payment shall have been made or liability admitted under the insurance covering interest of the Insured in the property at the premises against such damage, if no such payment shall have been made nor liability admitted solely owing to the operating of a proviso in such insurance excluding liability for losses of a specified amount.

MACHINERY BREAKDOWN CLAUSE

2009-06-11T02:06:00.001-07:00

It is hereby declare and agreed that notwithstanding anything contained herein to the contrary this policy extends to indemnify the insured for damage to machinery occasioned by or happening through any mechanical, electrical, electromechanical, electronic or hydraulic malfunction, failure derangement, breakdown or non operation of any kind except as otherwise specifically excluded.

Exclusions

The Insurer shall not be liable for :

1. The deductible stated in the schedule to be borne by the insured in any one occurrence; if more than one item is loss or damage in one occurrence, the Insured shall not, however, be called upon to bear more than the highest single deductible applicable to such items;
2. Loss or Damage to Exchangeable tools, e.g; dies, moulds, engraved cylinders, parts which by their use and/or nature suffer a high rate of wear of depreciation, e.g. refractory linings, crushing hammers, objects made of glass, belts, ropes, wires, rubber tyres, operation media, e.g. lubricants, fuels, catalysts;
3. Loss of Damage due to fire, direct lightning, chemical explosion (except flue gas explosions in boilers), extinguishing of a fire or subsequent demolition, aircraft or other aerial devices or articles dropped therefrom, theft, burglary or attempts thereat, collapse of buildings, flood, inundation, earthquake, subsidence, landslide, avalanche, hurricane, cyclone, volcanic eruption or similar natural catastrophes;
4. Loss or Damage for which a supplier, contractor or repairer is responsible either by law or under policy within the knowledge of the Insured or his representative, whether such faults or defects were known to the insurers or not;
5. Loss or Damage caused by any faults or defects existing at the time of commencement of this policy within the knowledge of the Insured or his representatives, whether such faults or defects were known to the insurers or not;
6. Loss or damage arising out of the willful act or gross negligence of the Insured or his representative;
7. Any consequence or war, invasion, act or foreign enemy, hostilities (whether war be declared or not), civil war rebellion, revolution, insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, acts of a group of malicious persons acting of behalf of or in connection with any political organization, confiscation, commandeering, requisition or destruction of or damage to property by order of any government de jure or de facto or by public authority;
8. Any consequence of nuclear reaction, nuclear radiation or radioactive contamination;
9. Loss or Damage as a direct consequence of the continual influence of operation (e.g. wear and tear, cavitations, erosion, corrosion, rust, boiler scale);
10. Consequence loss or liability of any kind or description, any payments over and above the indemnity for material damage as provided herein;

In any action, suit or other proceeding where the Insurers allege that, by reason of the provision of Exclusion 7 above, any loss or damage is not covered by this policy, the burden of proving that such loss or damage is covered shall be upon the Insured.

MINOR ALTERATIONS AND REPAIRS CLAUSE

2009-06-11T02:05:00.002-07:00

Minor alterations, additions and repairs to building plant fixtures and fittings, and machinery (exclusive of any Sprinkler Installations) and minor works in progress are allowed and the insurance by this Policy shall not be prejudiced by this.

MISDESCRIPTION CLAUSE

2009-06-11T02:05:00.001-07:00

It is understood that this insurance shall not be prejudiced by any alteration or misdescription of occupancy provided the Insured shall notify the Company immediately they become aware of the same and to pay additional premium if required from the date of the inception of the increase hazard.

LEASED PROPERTY CLAUSE

2009-06-11T02:04:00.003-07:00

This Policy extends to indemnify any other party having an interest in the property insurer by virtue of and in accordance with the terms of mortgage, leasing, hiring or renting agreement, provided such property is not more specifically insured.

LESSORS INTEREST CLAUSE

2009-06-11T02:04:00.001-07:00

It is noted and agreed that …….. (hereinafter referred to as the Lessors) are the owners of the Property insured under and that such Property is the subject of a Leasing Agreement made between the Lessors on the one part and the Insured on the other part. It is further understood and agreed that any payment made in respect of loss or damage (which loss or damage is not made good by repair, reinstatement or replacement) under the terms of this Policy shall be made to the Lessors as long as they are the owners of the property. It is understood and agreed that notwithstanding any provision in the Leasing Agreement to the contrary, this Policy is issued to the Insured as the principal party and not as agent or Trustee for the Insured an agent or Trustee for the Lessors or as an assignment (whether legal or equitable) by the Insured to the Lessors of his rights, benefits and claims under this Policy, and, further, nothing herein shall be construed as creating any right in the Lessors to sue the Insurer in any capacity whatsoever for any alleged breach of its obligations hereunder.

LOSS NOTIFICATION CLAUSE

2009-06-11T02:03:00.000-07:00

Notwithstanding anything contained herein to the contrary it is agreed that this insurance will not be prejudiced by any inadvertent delays, errors or omission in notifying the Company of any circumstances or events giving rise or likely to give rise to a claim under this Policy.

LOSS OF DAMAGE GOODS CLAUSE

2009-06-11T02:02:00.000-07:00

In case of damage to property bearing brands labels and trademarks the sale of which carries in any way a guarantee of the Insured, the salvage value of such damage property shall be determined after the removal in the customary manner of all brands labels and trademarks which might be taken to indicate that the guarantee of the Manufacturer of the Insurer attached to said property. However not with standing anything to the contrary elsewhere herein, it is understood and agreed that in case of damage to goods insured under this Policy due to a peril insured against, the Assured or their representatives are to retain control of all damage goods. The Assured however agrees wherever practicable to use recondition or sell such goods, the sale being made after removal of all brands or trademarks with underwriters being untitled to the proceeds of the sale. Where the use or disposal or sale of damage goods would be in the opinion of the Assured or their representatives detrimental to their interest such damage shall be treated as a constructive total loss and the Assured shall destroy the damage goods in the presence of a representative of the Underwriters and the Assured.

Use where brand name is critical and carries any kind of guarantee of quality.

IMPACT BY OWN VEHICLE CLAUSE

2009-06-08T00:05:00.002-07:00

It is noted and agreed that the cover relating to impact of vehicles shall include vehicles owned or used by the Insured.

INSTALLATION AND MAINTENANCE CLAUSE

2009-06-08T00:05:00.001-07:00

The Insured shall fully comply with all Government/Statutory Rules and Regulations, which are in force concerning the installation and operation of Insured Property. The Insured shall take all necessary steps to maintain Insured Property in efficient working order and to ensure that at all times any item is not habitually or intentionally overloaded.

INTERNAL REMOVAL CLAUSE

2009-06-08T00:04:00.002-07:00

It is understood and agreed that in event of removal of property from one building to another at any of the aforesaid situations being inadvertently not advised to the Company the insurance on such property shall follow removal, the necessary adjustments in Sum Insured and premium being made as from the date of removal as soon as the oversight is discovered.

GENERAL INTEREST CLAUSE

2009-06-08T00:04:00.001-07:00

Certain of the Property insured may be the subject of hire purchase lease or other agreements and the interest of the other parties to these arrangements is noted in this insurance, the nature and extent of such interest to be disclosed by the Insured in the event of damage.

FAILURE OF PUBLIC UTILITIES CLAUSE

2009-06-08T00:03:00.001-07:00

FIRE BRIGADES CHARGES CLAUSE

2009-06-08T00:02:00.000-07:00

It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Appliances called for the purpose of protecting the premises shall be recoverable hereunder.

FIRE EXTINGUISHING CHARGES CLAUSE

2009-06-08T00:01:00.000-07:00

All costs and charges associated with the extinguishments or prevention of spread of fire or providing temporary safety devices in consequences of damage or the threat of damage by fire or other peril hereby insured against.

FAILURE OF PUBLIC UTILITIES CLAUSE

2009-06-07T23:57:00.000-07:00

It is hereby agreed and declared that this Insurance shall, subject to the conditions of this policy and to all provisions and limitations contained therein, extend to include loss as described therein resulting from Interruption of the supply of electric power (or gas) to the premises of the Insured due to damage by Fire or Lightning or Explosion or Impact of aircraft occurring at any electric power station or substation (or gas works) in Indonesia, but excluding any transmission lines.FAILURE OF PUBLIC UTILITIES CLAUSE
January 2nd, 2009
It is hereby agreed and declared that this Insurance shall, subject to the conditions of this policy and to all provisions and limitations contained therein, extend to include loss as described therein resulting from Interruption of the supply of electric power (or gas) to the premises of the Insured due to damage by Fire or Lightning or Explosion or Impact of aircraft occurring at any electric power station or substation (or gas works) in Indonesia, but excluding any transmission lines.

EMPLOYEES PERSONAL EFFECTS CLAUSE

2009-06-07T23:56:00.000-07:00

The indemnity granted by this Policy extends to include clothing and/or personal effect of the employees of the Insured for an amount not exceeding Rp. 250,000.- in respect of any one employee and for an amount not exceeding in the aggregate Rp. 5,000,000.-

ERRORS AND OMISSIONS CLAUSE

2009-06-07T23:55:00.001-07:00

The Insured shall not be prejudiced by any unintentional and/or inadvertent omission error incorrect valuation or incorrect description of the interests, risk or property insured provided notice is given to the Company as soon as practicable upon discovery of such errors or omissions and subject to the Insured paying additional premium arising therefrom.

ESCALATION CLAUSE

2009-06-07T23:48:00.002-07:00

In consideration of the payment of an additional premium amounting to 50% of the premium produced by applying the specified percentage to the first or the annual premium as appropriate on the item(s) as specified in schedule A the sum(s) insured thereby shall, during the period of insurance, be increased each day by an amount representing 1/365th of the specified percentage increased per-annum.

Unless specifically agreed to the contrary the provision of this clause shall only apply to the sums insured in force at the commencement of each period of insurance.

At each renewal date the insured shall notify the insured :

i. the sums to be Insured under each item above, but in the absence of such instruction the sums insured by the above items shall be those stated on the Policy (as amended by any endorsement effective prior to the aforesaid renewal date) to which shall be added the increases which have occurred under this clause during the period of insurance up to that renewal date, and
ii. the specified percentage increase(s) required for the forthcoming period of insurance, but in the absence of instructions to the contrary prior to renewal date the existing percentage increase shall apply for the period of insurance for renewal.

All the conditions of the policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated herein.

REMOVAL OF DEBRIS (DEBRIS OF REMOVAL) CLAUSE

2009-06-07T23:48:00.001-07:00

On Cost and Expenses necessarily incurred by the Insured in the removal of debris dismantling or demolishing shoring up or propping of the portion or portions of the property insured by this Policy destroyed or damaged by fire or by any other peril hereby insured.

The liability of the Company under this clause and the Policy is respect of any item shall in no case exceed 10% of the sum insured.

DEFERRED PREMIUM CLAUSE

2009-06-07T23:47:00.000-07:00

Notwithstanding that this policy is issued as contract for a period of twelve months. it is hereby understood and agreed that the premium shall be payable in the following installments :

1st installment due on January 31, 2009 (25% of Total Premium)
2nd installment due on February 28, 2009 (25%)
3rd installment due on March 31, 2009 (25%)
4th installment due on April 30, 2009 (25%)

Nevertheless it is further understood and agreed that :
in the event of any installments not being physically received by the company prior to, or within 14 (Fourteen) calendar days after its due date, the cover afforded by this Policy shall be deemed to have ceased at same time as in the manner stipulated on the policy, as regard the original inception of the cover of such due date as stipulated above under heading due dates, without the company being obliged to give notice of default whatsoever.

The Insurance shall be reinstated at the same time as in the manner stipulated on the policy as regards the original inception of the cover, on next calendar days of the days when the over due premium shall have been physically received by the company. The insurance shall not be entitled to any refund of premium in consequence of the period of such suspension.

In the event of a claim arising hereunder which exceeds the installment premiums paid on this policy, all the installment of premium then outstanding shall become due and payable forthwith.

DEPARTMENTAL CLAUSE

2009-06-07T23:46:00.000-07:00

If the Business be conducted in departments the independent trading results of which are ascertainable, the provisions of Clauses (a) and (b) of Item 1 of the Specifications shall apply separately to each department affected by the Damage, except that

(i) if the Sum Insured by Item 1 be less than the aggregate of the sums produced by applying the Rate of Gross Rental for each department of the Business (whether affected by the Damage or not) to the relative Annual Turnover (or to a proportionately increased multiple if the maximum indemnity Period exceeds twelve months0 the amount payable under item 1 shall be proportionately reduced.

DESIGNATION CLAUSE

2009-06-07T23:45:00.000-07:00

For the purpose of determining, where necessary, the definition of any property hereby the Insurer agrees to accept the designation under which such property has been entered in the Insured’s books.