Friday, April 2, 2010

MAA Takaful~`



Agent diperlukan..
sesiapa yg berminat,boleh la menghubungi sy..





Monday, February 22, 2010

Islamic Economics: An Alternative? Solving World Financial Crisis

Signs of the collapse of the world financial system have emerged, causing great panic to people all over the world. Many governments called upon economists and experts to find a way out. Financial institutions and their agents began to think about rescue plans.
Many people rushed to draw their deposits from banks. At the same time, several financial institutions have frozen the process of granting loans to companies and individuals for fear that it might be difficult to take them back.
The drop in the circulation of money among individuals, companies and financial institutions has given rise to a sharp slowdown in the economic activity. As a consequence, debtors have become unable to pay back their debts.
Wall Street meltdown dealt a severe blow to the level of exchanges in money and exchange markets causing indexes to fluctuate. Furthermore, used capacities in companies were decreased due to the decrease in financial flow and the inability to take loans from financial institutions, except at high interest rates with heavy guarantees.
This shortage of financial flow decreased consumption of certain commodities, like cars and real estate sector. The drop in consumption decreases savings, investment projects, and hence increases unemployment which is eerily climb as many companies become bankrupt threatening many employees to lose their jobs.
 
Causes of the Crisis
Maurice Allais, an expert on world economy and a Nobel Prize laureate in economics, said, "The world economic system is based on some concepts and rules that will be the very cause of its destruction unless treated and rectified quickly."
In fact, many economists argue that the neo-capitalist world economic system rests on principles that will lead to its ruin.
It can be argued that among the reasons that led to the crisis is the spread of moral economic corruption, such as exploitation, lying, circulation of prejudiced rumors, cheating, monopoly and the engagement of nominal transactions, with no real value. In this way, the wealthy and creditors oppress the poor and debtors who, as a consequence of being unable to bear such oppression anymore or pay back these debts and loans, will grumble and be resentful.
Also, wealth has become a weapon used to dominate and control politics around the world. Money has become the idol the capitalist economy.
Interest-backed banking system inflicts mounting debts on consumers by working within the framework of the system of trading debts, either by selling, buying or brokerage.
The more the interest rate on deposits increases, the more the interest rate on the loans granted to individuals and companies will also increase. Only banks and stockbrokers benefit from this, whereas the debtors, who take loans for consumption or production purposes, bear this heavy burden alone.
Credit card debt inflicts high costs on the consumer, and when one can not pay back his debts, the interest rate is continuously increased. Ultimately, consumer's property will be confiscated in order to guarantee security. This has actually happened to many holders of such credit cards, causing an imbalance of their house budgets.
Indeed, banks impose additional burdens on the borrower who is not able yet to discharge the first loan due to the increasingly higher rate of interest. This is similar to usurers in the pre-Islamic period of Ignorance who would say to a debtor, "Either you repay or augment."
Furthermore, Stock brokerage firms deceives those in need of loans as they claim high commission payment if there are potential risks, leaving the poor debtors to bear their burden and attributed negative consequences.
Actually, Some economists believe that no real development or wise employment of the means of production could be achieved unless the interest rate is zero. This view was held by Adam Smith, the Father of modern economics.
Furthermore, economists think that the alternative is based on participating in profit and loss, because it brings about stability and security. In addition, interest-based system results in the accumulation of wealth in the hands of few people who will thus be in control of the world's fortunes.
In addition, The world financial system rests on the basis of the financial derivatives system that depends mainly on nominal transactions, with no real exchanges of goods or services. What is even worse is that most of these transactions are based on credits taken from banks in the form of loans, and when things develop unfavorably all that collapses triggering the financial crisis.


 
By
Dr.Hussein Shehatah
Consultative Expert on the Islamic Financial Transactions
and Professor at Al-Azhar University.

Saturday, February 20, 2010

Tuesday, February 9, 2010

lik kampung~~


kepada keng kawan SRM,bifb students,dpp perwaja,SMART-i dan yang mengenali aque..
selamat bercuti..
kepada yg blik kmpg..berhati hati balik kampung tue..jaga diri leklok..
kepada yang xblik kampung (termasuk aque) duk kat lik,study yea,wat assignment..joging, p masjid...huuhuu
aque doakan korang semue bahagia,berjaya lam hidup..
exam pn dah dekat..INSYAALLAH, marilah kite same2 tingkatkan muhasabah diri,solat dhuha,hajat selalu..
INSYAALLAH....akn dipermudahkan segala urusan..

(ALLAH HUMMA YASSIR WALAA TUA'SSIR YA KARIIM) amiinnnn..

Sunday, February 7, 2010

~~KENANGAN TERINDAH~~

citer ringkas...
FIRST DAY
9.30am..5/2/2010
aque n de geng 14 orang 4 jejaka(aque,el,saidi,fahmi) 10 pompuan naek bot p melawat island hoping..
3 islands..
first,pulau Beras Basah..
di pulau tue..
airye jernih ditambah lg ngn batu karang yg cantik2....
dari ats jeti,dapt melihat pelbagai jenis ikan berkejaran disekeliling jeti..udara yang segar,ditambah memandangan yg cukup mempersonakan..huhuu..xpuas mata memandang...hak3..
selepas sejam,bertolak pula ke pulau singa..just duk atas bot tgk helang mkan..
then, ke pulau Dayang Bunting..
pulau ni besar,di tgh2 de tasik...leh mandi,tp aque x mandi..malu,pmpn ramai..
di situ,leh lepak2..sambil tgk org mandi manda..tgk ikan keli yg jinak2..tgk gelagat mat saleh..pak arab jgk..
3.00pm
turun di Gunung Mat Cencang..
naik cable car...tggi,700meter..
sape yg xbese,gayat lebih baik xpayah naik..ti pengsan susah..heee

6.00pm
check in chalet pantai cenang..
aktiviti bebas..aque n de geng p jalan2 tepi pantai..n then
p keygkn perut..
lps mkn,p jln2 makin angin lg...
kul 12 mlm masuk lik n tdo..
SECOND DAY
9.30am..6/2/2010
masuk underwater world..
di dlm mcm2 ade,ikan,binatang..penguin,dan lain2..law nak taw,tgk gamba..hehee
12.30pm..
p makan ikan bakar di Padang Matsirat..
2.00pm..
p kilang batik..n kilang kristal..tgk camne proses pembuatan batik,kristal jgk..
last destination..p pasaraya Haji Ismail..shopping...
then, lepak2 di dataran lang..
7.00pm...
masuk feri..n mkn KFC..
..............................................................
kali kedua p langkawi,memang puas hati..
lain kali nak p lg..
kepada my best friends..jangan jealous yea..ti kita p sama2..bwk khemah..heheee

Monday, January 25, 2010

kursus kawin..




salam sejahtera..
kepada keng kawan semua yang mana tidak mengikuti lagi kursus kawin bolehlah mendaftar di pusat Islam secepat mungkin..
memang BEST dan MENGANCAM..hahahaa
banyak perkara yang perlu dipelajari daripada cerita2 yang disampaikan..
hahaa..semuanya memang kelakar..
moga-moga...
segala ilmu yang dipelajari zahir dan batin amat berguna,insyaALLAH dapat dipraktikkan apabila dah bergelar suami isteri nanti..
bagiku....
apa yang penting ialah keharmonian dan kebahagiaan rumah tangga, agar berkekalan sehingga akhir hayat..

Tuesday, January 19, 2010

IBU UTAMA


A) Nabi S.A.W bersabda yang bermaksud :
    Ada 4 di pandang sebagai ibu iaitu:
    1 ) Ibu dari segala UBAT adalah SEDIKIT MAKAN.
    2 ) Ibu dari segala ADAB adalah SEDIKIT BERCAKAP.
    3 ) Ibu dari segala IBADAT adalah TAKUT BUAT DOSA.
    4 ) Ibu dari segala CITA CITA adalah SABAR

B ) Berpesan-pesanlah kepada kebenaran dan Kesabaran.

C ) Beberapa kata renungan dari Qur'an :
     Orang yang tidak melakukan solat pada :
    Subuh        : Dijauhkan cahaya muka yang bersinar
    Zhuhur      : Tidak diberikan berkat dalam rezekinya
    Asar          : Dijauhkan dari kesehatan / kekuatan
    Maghrib   : Tidak diberi santunan oleh anak-anaknya.
    Isyak        : Dijauhkan kedamaian dalam tidurnya

Al-Quran : Sembahyanglah sebelum kau disembahyangkan oleh orang lain.