2008/07/17
Help them pay for artificial limbs
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(From left) Muhammad Nur Yasin Bachok, 20, Muhammad Farouq Md Hasim, 13, K. Thilagavathy, 19, and Rosnan Husin, 19, are appealing for donations.
KUALA LUMPUR: Just like other youngsters their age, they are full of dreams. But fate conspired to place obstacles in their way.
Thirteen-year-old Muhammad Farouq Md Hasim was born without a right hand.
K. Thilagavathy had a serious deformity above the right knee when she was born.
Rosnan Husin, 19, and Muhammad Nur Yasin Bachok, 20, lost their right legs in accidents.
Muhammad Farouq's mother, Jamiah Talip, said she and her husband could not afford to buy a RM5,500 artificial limb for their son.
She earns RM1,180 a month as a kindergarten teacher while her husband receives a government pension of RM700.
Since last year, they have had to pay a considerable sum for Muhammad Farouq's asthma medication. They have two other children.
Muhammad Farouq, from Malacca, said he wanted to become a computer expert.
Thilagavathy, who is taking a teaching course in her hometown in Kedah, said she needed a new limb as the present one had worn out.
A non-governmental organisation helps to pay for her course. She cannot afford the RM7,800 prosthetic limb.
Rosnan, from Negri Sembilan, also needs a prosthetic limb as his right leg was crushed in a motorcycle accident in January.
The former Kolej Yayasan Negri Sembilan student has a certificate in automotive engineering. He sat the exams a week after the accident.
"My plan now is to do a teaching course in automotive engineering."
Muhammad Nur Yasin, from Johor, needs RM6,800 for a prosthetic limb.
The sundry shop worker lost his right leg in a motorcycle accident two years ago.
He earns RM300 a month and he has to support his family. His mother is in hospital and his two siblings are schooling. His father gets a small government pension.
The four young people hope kind Malaysians will come forward and help them.
Make your cheque payable to the New Straits Times with the recipient's name written on the back.
Send it to The Cashier, Finance Department/Charity Unit, The New Straits Times Press (M) Bhd, Balai Berita, 31 Jalan Riong, 59100 Kuala Lumpur.
Tuesday, July 22, 2008
30 young Muslims, 30 intense meetings to find a mission
30 young Muslims, 30 intense meetings to find a mission
Published Date: July 22, 2008
DEARBORN: They filled the cafe night after night. To the casual observer, it might have looked like a roomful of people in their 20s with enviable amounts of idle time. Yet the 30 young Muslim men and women who met for 30 days had serving society, not socializing, on their minds. And the group calling itself 30/30 emerged from the meetings with an agenda: to help teens in their community deal with social ills such as drug and alcohol addiction and mental illness - and to teach those on the outside about th
eir faith.
A few goals emerged from the caffeinated conversations, now being fine-tuned in follow-up sessions: Establish mentoring and counseling programs for high school students, offer leadership retreats for young adults and develop brochures that explain Muslim practices - such as women wearing head scarves.
We had a list of objectives when we first started," said Mariam Zaiat, 22. "Part of it is to educate. Part of it is there is a void and we need to fill the void. Part of it is that we are capable and what are we doing?" The quest seems well-suited for the young activists in a community with one of the largest Arab and Muslim populations in the country. Many are the children or grandchildren of immigrants.
They are training to be doctors, lawyers, nurses, social workers and therapists. Their sense of mission took root at the Islamic Center of America and affiliated Young Muslim Association. "I really think that the previous generations, when they came here, they were thinking this is temporary and we're going back home, so they didn't want to invest too much in this. Their main goal was survival: 'We need a job, we don't speak the language, we're in a foreign country,"' said Zaiat, who is working toward a
master's degree in occupational therapy.
With us, people that are born and raised here, and got to school, this is our community. We never think, 'Oh, we're going to go back somewhere.' So that's another reason why we invest so much is because our hearts are here." That investment begins with tackling internal problems, such as substance abuse, mental illness and domestic violence. The 30/30 sessions became a workshop for the nascent Muslim Youth Social Support Network, which will pair young leaders with high school students, and offer an online
forum and a hotline.
They aren't bigger issues for Muslims than for any other ethnic, racial or religious group, members say, but treating them can be trickier in a culture that uses shame to deter socially unacceptable behavior. "There's a big stigma around receiving help in this community, so it's going to be an anonymous forum online," said Latifeh Sabbagh, a 24-year-old who leads the support network and serves as a social worker in the Dearborn Public Schools.
When people disclose their information, sometimes there's shame, embarrassment. If they can do it and it's anonymous, it's so much easier for them to open up about what it is..." The area offers many human service programs, but none focusing on youth and led by young adults from a Muslim perspective.
We're not reaching out to these kids," said Ali Dabaja, a medical student who grew up in Dearborn. He spoke by phone from New York, where he recently started his residency. "They don't have a good support structure." Dabaja, a founder of the Young Muslim Association and networking and advocacy group Allied Muslim Youth of North America, came up with the idea for 30/30.
I was trying to foster this sense of activism, this sense of taking responsibility for the direction of the community," he said. "Just one day I was thinking ... 'How about if we just get together for 30 days and bring the best and brightest of the community together?"' Dabaja says it's important to be apolitical and independent of existing organizations because young people typically seek a less bureaucratic experience. But the group would work with others if that's what it takes to get something launch
ed.
Another goal is to produce brochures and distribute them nationally to mosques, which would offer them to visitors seeking information about Islam. Jennifer Berry said the idea is to explain why women wear hijabs, or why followers pray five times a day or fast during daylight hours for one month a year.
Islam "is under a lot more scrutiny because it's under the scrutiny of the media right now," said Berry, 28, who expects to finish her nursing degree next year. "When you have the media pushing out negative ideas about Islam, people are going to have the same negative ideas." On a recent morning, four group members gathered at Caffina Coffee, the site of their meeting marathon back in May. The shop is owned by the family of member Dewnya Bakri, 21, who starts law school in September. Bakri says enlighteni
ng others also can come through conversations - and her group can use the life lessons it's learned.
We're blessed with education. We understand the cultural barriers, and we understand how to relate to non-Muslims, how to discuss things with them in a way they would understand it," she said. For Dabaja, the internal and external missions of 30/30 are inextricably linked. "I want a thriving, flourishing, righteous, God-conscious community that Americans can look at and say, 'Wow, look at what Muslims can do in America,"' he said. "We want to change our immediate environment, and people will take notice.
- AP
Published Date: July 22, 2008
DEARBORN: They filled the cafe night after night. To the casual observer, it might have looked like a roomful of people in their 20s with enviable amounts of idle time. Yet the 30 young Muslim men and women who met for 30 days had serving society, not socializing, on their minds. And the group calling itself 30/30 emerged from the meetings with an agenda: to help teens in their community deal with social ills such as drug and alcohol addiction and mental illness - and to teach those on the outside about th
eir faith.
A few goals emerged from the caffeinated conversations, now being fine-tuned in follow-up sessions: Establish mentoring and counseling programs for high school students, offer leadership retreats for young adults and develop brochures that explain Muslim practices - such as women wearing head scarves.
We had a list of objectives when we first started," said Mariam Zaiat, 22. "Part of it is to educate. Part of it is there is a void and we need to fill the void. Part of it is that we are capable and what are we doing?" The quest seems well-suited for the young activists in a community with one of the largest Arab and Muslim populations in the country. Many are the children or grandchildren of immigrants.
They are training to be doctors, lawyers, nurses, social workers and therapists. Their sense of mission took root at the Islamic Center of America and affiliated Young Muslim Association. "I really think that the previous generations, when they came here, they were thinking this is temporary and we're going back home, so they didn't want to invest too much in this. Their main goal was survival: 'We need a job, we don't speak the language, we're in a foreign country,"' said Zaiat, who is working toward a
master's degree in occupational therapy.
With us, people that are born and raised here, and got to school, this is our community. We never think, 'Oh, we're going to go back somewhere.' So that's another reason why we invest so much is because our hearts are here." That investment begins with tackling internal problems, such as substance abuse, mental illness and domestic violence. The 30/30 sessions became a workshop for the nascent Muslim Youth Social Support Network, which will pair young leaders with high school students, and offer an online
forum and a hotline.
They aren't bigger issues for Muslims than for any other ethnic, racial or religious group, members say, but treating them can be trickier in a culture that uses shame to deter socially unacceptable behavior. "There's a big stigma around receiving help in this community, so it's going to be an anonymous forum online," said Latifeh Sabbagh, a 24-year-old who leads the support network and serves as a social worker in the Dearborn Public Schools.
When people disclose their information, sometimes there's shame, embarrassment. If they can do it and it's anonymous, it's so much easier for them to open up about what it is..." The area offers many human service programs, but none focusing on youth and led by young adults from a Muslim perspective.
We're not reaching out to these kids," said Ali Dabaja, a medical student who grew up in Dearborn. He spoke by phone from New York, where he recently started his residency. "They don't have a good support structure." Dabaja, a founder of the Young Muslim Association and networking and advocacy group Allied Muslim Youth of North America, came up with the idea for 30/30.
I was trying to foster this sense of activism, this sense of taking responsibility for the direction of the community," he said. "Just one day I was thinking ... 'How about if we just get together for 30 days and bring the best and brightest of the community together?"' Dabaja says it's important to be apolitical and independent of existing organizations because young people typically seek a less bureaucratic experience. But the group would work with others if that's what it takes to get something launch
ed.
Another goal is to produce brochures and distribute them nationally to mosques, which would offer them to visitors seeking information about Islam. Jennifer Berry said the idea is to explain why women wear hijabs, or why followers pray five times a day or fast during daylight hours for one month a year.
Islam "is under a lot more scrutiny because it's under the scrutiny of the media right now," said Berry, 28, who expects to finish her nursing degree next year. "When you have the media pushing out negative ideas about Islam, people are going to have the same negative ideas." On a recent morning, four group members gathered at Caffina Coffee, the site of their meeting marathon back in May. The shop is owned by the family of member Dewnya Bakri, 21, who starts law school in September. Bakri says enlighteni
ng others also can come through conversations - and her group can use the life lessons it's learned.
We're blessed with education. We understand the cultural barriers, and we understand how to relate to non-Muslims, how to discuss things with them in a way they would understand it," she said. For Dabaja, the internal and external missions of 30/30 are inextricably linked. "I want a thriving, flourishing, righteous, God-conscious community that Americans can look at and say, 'Wow, look at what Muslims can do in America,"' he said. "We want to change our immediate environment, and people will take notice.
- AP
Monday, July 21, 2008
RM14.5b sukuk deals issued in 1H
Monday July 21, 2008 MYT 4:53:12 PM
RAM: RM14.5b sukuk deals issued in 1H
KUALA LUMPUR: Thirty-four new sukuk deals valued at RM14.5bil were closed in the January-June period this, less than half a year ago, RAM Ratings Bhd said.
In a statement issued Monday, it said despite the lower amount, this was still respectable considering the jittery market and widening bond spreads amid the ongoing credit crisis, mounting inflationary pressures.
The ratings agency said that sukuk issues accounted for about 34% of the domestic market’s RM43.4bil of rated corporate bond issues in the first half of this year.
RAM Ratings said the sukuk issues accounted for about 34% of the domestic market’s RM43.4bil of rated corporate bond issues in the first half of this year.
It said infrastructure issues accounted for the bulk of the issuances. Eight corporates from this sector entered the market with some RM8.16bil of sukuk programmes in the first half, accounting for 56% of the total sukuk market. Real estate and construction sector had a 12%-share.
“The more notable sukuk programmes that were closed between January and June this year included those by PLUS SPV Bhd (PLUS SPV), Menara ABS Bhd (Menara ABS) and Al-‘Aqar Capital Sdn Bhd (Al-’Aqar Capital),” it said.
RAM Ratings said the RM4bil (nominal value) sukuk programme by PLUS SPV represents the market’s largest year-to-date sukuk deal.
PLUS SPV is an independent special-purpose company through which PLUS Expressways Berhad had issued sukuk to meet its funding requirements.
RAM: RM14.5b sukuk deals issued in 1H
KUALA LUMPUR: Thirty-four new sukuk deals valued at RM14.5bil were closed in the January-June period this, less than half a year ago, RAM Ratings Bhd said.
In a statement issued Monday, it said despite the lower amount, this was still respectable considering the jittery market and widening bond spreads amid the ongoing credit crisis, mounting inflationary pressures.
The ratings agency said that sukuk issues accounted for about 34% of the domestic market’s RM43.4bil of rated corporate bond issues in the first half of this year.
RAM Ratings said the sukuk issues accounted for about 34% of the domestic market’s RM43.4bil of rated corporate bond issues in the first half of this year.
It said infrastructure issues accounted for the bulk of the issuances. Eight corporates from this sector entered the market with some RM8.16bil of sukuk programmes in the first half, accounting for 56% of the total sukuk market. Real estate and construction sector had a 12%-share.
“The more notable sukuk programmes that were closed between January and June this year included those by PLUS SPV Bhd (PLUS SPV), Menara ABS Bhd (Menara ABS) and Al-‘Aqar Capital Sdn Bhd (Al-’Aqar Capital),” it said.
RAM Ratings said the RM4bil (nominal value) sukuk programme by PLUS SPV represents the market’s largest year-to-date sukuk deal.
PLUS SPV is an independent special-purpose company through which PLUS Expressways Berhad had issued sukuk to meet its funding requirements.
Sektor halal cabaran sengit usahawan bukan Bumiputera
ARKIB : 19/07/2008
Sektor halal cabaran sengit usahawan bukan Bumiputera
KUALA LUMPUR 18 Julai - Industri makanan halal mungkin disangka ramai sebagai satu sektor yang dikuasai dengan mudah dan sepenuhnya oleh usahawan Bumiputera Islam.
Namun, menurut Ketua Pegawai Eksekutif Perbadanan Pembangunan Perdagangan Luar Malaysia (Matrade), Datuk Noharuddin Nordin, sektor itu juga sebenarnya tidak terlepas daripada saingan hebat usahawan bukan Bumiputera pada masa kini.
"Ambil contoh sektor halal yang mempamerkan penglibatan tinggi daripada usahawan bumiputera Islam yang sepatutnya mempunyai kelebihan dalam sektor itu.
"Hakikatnya, sebarang kelebihan pada Bumiputera dalam sektor ini dicabar hebat syarikat-syarikat bukan Bumiputera tempatan dan syarikat-syarikat asing, mesejnya jelas, tiada faktor yang boleh memberi kelebihan atau keistimewaan untuk Bumiputera selama-lamanya," jelasnya.
Beliau berkata demikian dalam kertas kerja yang dibentangkan pada Konvensyen Ekonomi Bumiputera 2008 - Melonjakkan Ekonomi Bumiputera di sini hari ini.
Tambah Noharuddin, contoh saingan dalam sektor makanan halal itu mencerminkan bahawa tiada jalan singkat untuk merapatkan jurang antara usahawan Bumiputera dengan bukan bumiputera melainkan kerja keras dan usaha gigih.
Beliau menambah, tidak ada satu sektor perniagaan pun yang memberikan kelebihan kepada usahawan Bumiputera untuk berada di hadapan tanpa dicabar usahawan bukan Bumiputera.
Katanya, usahawan bumiputera perlu bergerak dua langkah bagi merapatkan jurang dan mengelakkan dari tercicir terutama dalam suasana ekonomi yang bergolak dengan pesat kini.
"Dunia tidak bersimpati atau menunggu kaum Bumiputera," katanya.
Namun kata beliau, pihaknya juga telah melihat ramai usahawan Bumiputera yang benar-benar berkaliber dan mampu bersaing di pentas tempatan dan antarabangsa.
"Usahawan Bumiputera tidak perlu segan menonjolkan kebolehan mereka, kerajaan sedang membantu usahawan Bumiputera memanjangkan langkah mereka tetapi langkah itu perlu diambil usahawan sendiri," katanya.
Sektor halal cabaran sengit usahawan bukan Bumiputera
KUALA LUMPUR 18 Julai - Industri makanan halal mungkin disangka ramai sebagai satu sektor yang dikuasai dengan mudah dan sepenuhnya oleh usahawan Bumiputera Islam.
Namun, menurut Ketua Pegawai Eksekutif Perbadanan Pembangunan Perdagangan Luar Malaysia (Matrade), Datuk Noharuddin Nordin, sektor itu juga sebenarnya tidak terlepas daripada saingan hebat usahawan bukan Bumiputera pada masa kini.
"Ambil contoh sektor halal yang mempamerkan penglibatan tinggi daripada usahawan bumiputera Islam yang sepatutnya mempunyai kelebihan dalam sektor itu.
"Hakikatnya, sebarang kelebihan pada Bumiputera dalam sektor ini dicabar hebat syarikat-syarikat bukan Bumiputera tempatan dan syarikat-syarikat asing, mesejnya jelas, tiada faktor yang boleh memberi kelebihan atau keistimewaan untuk Bumiputera selama-lamanya," jelasnya.
Beliau berkata demikian dalam kertas kerja yang dibentangkan pada Konvensyen Ekonomi Bumiputera 2008 - Melonjakkan Ekonomi Bumiputera di sini hari ini.
Tambah Noharuddin, contoh saingan dalam sektor makanan halal itu mencerminkan bahawa tiada jalan singkat untuk merapatkan jurang antara usahawan Bumiputera dengan bukan bumiputera melainkan kerja keras dan usaha gigih.
Beliau menambah, tidak ada satu sektor perniagaan pun yang memberikan kelebihan kepada usahawan Bumiputera untuk berada di hadapan tanpa dicabar usahawan bukan Bumiputera.
Katanya, usahawan bumiputera perlu bergerak dua langkah bagi merapatkan jurang dan mengelakkan dari tercicir terutama dalam suasana ekonomi yang bergolak dengan pesat kini.
"Dunia tidak bersimpati atau menunggu kaum Bumiputera," katanya.
Namun kata beliau, pihaknya juga telah melihat ramai usahawan Bumiputera yang benar-benar berkaliber dan mampu bersaing di pentas tempatan dan antarabangsa.
"Usahawan Bumiputera tidak perlu segan menonjolkan kebolehan mereka, kerajaan sedang membantu usahawan Bumiputera memanjangkan langkah mereka tetapi langkah itu perlu diambil usahawan sendiri," katanya.
Co-ops to be new growth engine
Co-ops to be new growth engine
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PUTRAJAYA: Cooperatives can ease the burden of inflation by offering lower prices than regular retailers, the prime minister said.
Datuk Seri Abdullah Ahmad Badawi said cooperatives could offer discounts as they were run mainly by their own members.
He said cooperatives had helped consumers fight stagflation in the 1960s, and would be able to shelter the people again in the present climate of higher fuel and commodity prices.
"Cooperatives, especially those involved in food production and other consumer goods, can help to reduce inflationary pressures.
"They normally don't use middlemen so they can sell at cheaper prices," he said yesterday at the launch of the Malaysian Cooperatives Commission (SKM), which replaces the Cooperatives Development Department under the Entrepreneur and Cooperative Development Ministry.
Abdullah also called on cooperatives, which collectively own RM43.6 billion in assets and conduct RM6.1 billion in annual sales turnover, to contribute more to the national economy.
"Cooperatives began in 1922 mainly as a means to fight poverty and rural debt, but now they have the potential to be an engine of economic growth and to create more jobs."
He said cooperatives could be considered the fourth engine of growth after services, manufacturing and agriculture. Abdullah said he wanted to see cooperatives being set up in the economic corridor projects to give more opportunities to the local population.
He said this should be done through the new Koperasi Bela Rakyat (Kobera) programme which aims to set up one cooperative, meant for the very poor, in every state constituency. Each cooperative will receive a seed grant of RM30,000 to be distributed among its shareholders.
Earlier this month, Entrepreneur and Cooperative Development Minister Datuk Noh Omar had announced the setting up of Kobera.
Noh said cooperatives currently contributed one per cent to the country's gross domestic product, and the ministry's aim was to increase the figure to 10 per cent by 2020.
Abdullah later presented letters of appointment to the SKM board of directors.
SKM is headed by executive chairman Datuk Mangsor Saad, a former Entrepreneur and Cooperative Development Ministry secretary-general.
Abdullah also presented awards to last year's 10 best cooperatives.
He announced that the government would contribute RM70 million this year to the cooperative revolving fund, which currently had RM251.5 million.
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PUTRAJAYA: Cooperatives can ease the burden of inflation by offering lower prices than regular retailers, the prime minister said.
Datuk Seri Abdullah Ahmad Badawi said cooperatives could offer discounts as they were run mainly by their own members.
He said cooperatives had helped consumers fight stagflation in the 1960s, and would be able to shelter the people again in the present climate of higher fuel and commodity prices.
"Cooperatives, especially those involved in food production and other consumer goods, can help to reduce inflationary pressures.
"They normally don't use middlemen so they can sell at cheaper prices," he said yesterday at the launch of the Malaysian Cooperatives Commission (SKM), which replaces the Cooperatives Development Department under the Entrepreneur and Cooperative Development Ministry.
Abdullah also called on cooperatives, which collectively own RM43.6 billion in assets and conduct RM6.1 billion in annual sales turnover, to contribute more to the national economy.
"Cooperatives began in 1922 mainly as a means to fight poverty and rural debt, but now they have the potential to be an engine of economic growth and to create more jobs."
He said cooperatives could be considered the fourth engine of growth after services, manufacturing and agriculture. Abdullah said he wanted to see cooperatives being set up in the economic corridor projects to give more opportunities to the local population.
He said this should be done through the new Koperasi Bela Rakyat (Kobera) programme which aims to set up one cooperative, meant for the very poor, in every state constituency. Each cooperative will receive a seed grant of RM30,000 to be distributed among its shareholders.
Earlier this month, Entrepreneur and Cooperative Development Minister Datuk Noh Omar had announced the setting up of Kobera.
Noh said cooperatives currently contributed one per cent to the country's gross domestic product, and the ministry's aim was to increase the figure to 10 per cent by 2020.
Abdullah later presented letters of appointment to the SKM board of directors.
SKM is headed by executive chairman Datuk Mangsor Saad, a former Entrepreneur and Cooperative Development Ministry secretary-general.
Abdullah also presented awards to last year's 10 best cooperatives.
He announced that the government would contribute RM70 million this year to the cooperative revolving fund, which currently had RM251.5 million.
Making it a breeze to do business in Malaysia
Monday July 21, 2008
Making it a breeze to do business in Malaysia
By SOO EWE JIN
Pemudah upbeat about raising competitiveness of the country
AMID the political turmoil, the people behind Pemudah, the special taskforce to facilitate business, remain upbeat about raising the country's competitiveness through constant improvements in the public delivery system.
One and a half years after the panel was set up in February 2007, the 12 CEOs from the private sector and the country's 12 top civil servants continue to meet regularly and there is perfect attendance at practically every meeting.
The panel is co-chaired by Chief Secretary to the Government Tan Sri Mohd Sidek Hassan and Federation of Malaysian Manufacturers president Tan Sri Yong Poh Kon.
There may be a lot of discussion on the political and economic situation but that does not distract members from their primary task, which is to enhance the competitiveness of the country's economy.
The two chairmen of Pemudah, the Chief Secretary to the Government Tan Sri Mohd Sidek Hassan (left) and the Federation of Malaysian Manufacturers president Tan Sri Yong Poh Kon with Pemudah's first annual report that was distributed during a press conference on Feb.29. - The Starpic by Raja Faisal Hishan
Pemudah can look back at its string of achievements with pride as the impact is immediately felt on the ground (see box).
“I am especially proud of these successes because the emphasis is on speed. We have shortened the time required to do business in Malaysia,” said panel member Tan Sri G. Gnanalingam, who is the executive chairman of Westport.
“Now that things are moving faster, this means there will be less reason for bribes to be offered. With faster service and reduced corruption, Malaysia will be considered more competitive and that has always been one of our main priorities in Pemudah.”
However, Gnanalingam calls these achievements “low-lying fruits” or the ones that could easily be done.
“Now we will climb higher up the tree to pluck the fruits up there. This will be the true test for Pemudah.”
Without being specific, Gnanalingam said the upcoming budget should see more of Pemudah's new recommendations being implemented.
Pemudah's ability to get things done is due in no small part to the fact that Prime Minister Datuk Seri Abdullah Ahmad Badawi is himself a civil servant who understands the problems within the system and why it is vital to have an excellent delivery system.
Sidek, too, being a government officer who has risen to the highest rank of the civil service, knows what it means for the nation to be competitive and to be able to attract investors from around the world. His stint at the International Trade and Industry Ministry gave him the opportunity to know the changes needed.
Tan Sri G. Gnanalingam
According to Gnanalingam, being competitive is independent of whether “we are going through good times or bad times.”
“Many of the problems we face now are global in nature and we have to be prepared for the recovery times as well,” he said. He plays down the current political tension as being a “localised” issue, stressing that business is moving forward as usual.
Malaysia, he said, was very competitive in the 1980s and 1990s but slipped behind in recent years.
“We need to address the issues and improvements to the public delivery system are even more vital at times like these,” he added.
In the months ahead, Pemudah is expected to focus on procedures involved in starting a business, building a factory, registering a property, exporting/importing, paying taxes, employing foreign expertise, and the like.
More channel of e-payments will also be created for the settlement of assessment dues, traffic summonses, quit rent as well as JPJ transactions.
“Settling payment at any government agency is now a cinch,” said Gnanalingam.
“Corruption is often about delay and discretion. As long as we have clear-cut policies that are not subject to discretionary powers, and there is no time delay in the process, there is no corruption.
“Now we can get a passport in two hours. Why do you want to pay anybody to help you get a passport?”
Entrepreneur Alan Lim agrees. “From renewing my driving licence to my passport, I find everything so efficient these days. As I am now venturing into new business areas, even the procedures to get permits and licences have been very much improved and I do not have to get runners to help me,” he said.
“Time saved is good for business, especially in tough times like now.”
Although pleased with the progress so far, Gnanalingam stressed that the momentum must continue.
“We need to continuously raise the standards, benchmarking against the best. We have started to instil a culture of serving with integrity and zero tolerance to corruption. Response has been positive as members of the civil service are going the extra mile to effect the change,” he said.
Pemudah's approach to speed up some processes will invariably result in the delegation of power to more officers to remove bottlenecks.
Greater transparency in approval criteria and track and trace systems with greater use of IT contribute to checking the abuse of power and enhances accountability of civil servants.
“Pemudah has and will consider various options to speed up processes, including the use of multiple application forms, multiple licenses, extended licenses and greater use of IT.
These are indeed ways of reducing and/or consolidating processes to make them more efficient and less burdensome to the private sector,” said Gnanalingam.
Pemudah, meanwhile, is confident the country's rankings in World Bank's Doing Business Index & Report 2008 would improve this year, underpinned by its sustained momentum for change in the public delivery system.
Malaysia was ranked 24th during the April 2006 to June 2007 period and Pemudah members believe the next ranking will definitely be higher.
Beyond an improved ranking, what is clear is that there will be further initiatives to ease the time and costs of doing business, including further refining of tax matters, streamlining hotel licenses and instilling zero tolerance towards corrupt practices.
“Pemudah will focus not just on business facilitation but also on issues that affect the lives of the ordinary citizens,” said Gnanalingam.
For latest MSEB indices, charts and other information click here
Making it a breeze to do business in Malaysia
By SOO EWE JIN
Pemudah upbeat about raising competitiveness of the country
AMID the political turmoil, the people behind Pemudah, the special taskforce to facilitate business, remain upbeat about raising the country's competitiveness through constant improvements in the public delivery system.
One and a half years after the panel was set up in February 2007, the 12 CEOs from the private sector and the country's 12 top civil servants continue to meet regularly and there is perfect attendance at practically every meeting.
The panel is co-chaired by Chief Secretary to the Government Tan Sri Mohd Sidek Hassan and Federation of Malaysian Manufacturers president Tan Sri Yong Poh Kon.
There may be a lot of discussion on the political and economic situation but that does not distract members from their primary task, which is to enhance the competitiveness of the country's economy.
The two chairmen of Pemudah, the Chief Secretary to the Government Tan Sri Mohd Sidek Hassan (left) and the Federation of Malaysian Manufacturers president Tan Sri Yong Poh Kon with Pemudah's first annual report that was distributed during a press conference on Feb.29. - The Starpic by Raja Faisal Hishan
Pemudah can look back at its string of achievements with pride as the impact is immediately felt on the ground (see box).
“I am especially proud of these successes because the emphasis is on speed. We have shortened the time required to do business in Malaysia,” said panel member Tan Sri G. Gnanalingam, who is the executive chairman of Westport.
“Now that things are moving faster, this means there will be less reason for bribes to be offered. With faster service and reduced corruption, Malaysia will be considered more competitive and that has always been one of our main priorities in Pemudah.”
However, Gnanalingam calls these achievements “low-lying fruits” or the ones that could easily be done.
“Now we will climb higher up the tree to pluck the fruits up there. This will be the true test for Pemudah.”
Without being specific, Gnanalingam said the upcoming budget should see more of Pemudah's new recommendations being implemented.
Pemudah's ability to get things done is due in no small part to the fact that Prime Minister Datuk Seri Abdullah Ahmad Badawi is himself a civil servant who understands the problems within the system and why it is vital to have an excellent delivery system.
Sidek, too, being a government officer who has risen to the highest rank of the civil service, knows what it means for the nation to be competitive and to be able to attract investors from around the world. His stint at the International Trade and Industry Ministry gave him the opportunity to know the changes needed.
Tan Sri G. Gnanalingam
According to Gnanalingam, being competitive is independent of whether “we are going through good times or bad times.”
“Many of the problems we face now are global in nature and we have to be prepared for the recovery times as well,” he said. He plays down the current political tension as being a “localised” issue, stressing that business is moving forward as usual.
Malaysia, he said, was very competitive in the 1980s and 1990s but slipped behind in recent years.
“We need to address the issues and improvements to the public delivery system are even more vital at times like these,” he added.
In the months ahead, Pemudah is expected to focus on procedures involved in starting a business, building a factory, registering a property, exporting/importing, paying taxes, employing foreign expertise, and the like.
More channel of e-payments will also be created for the settlement of assessment dues, traffic summonses, quit rent as well as JPJ transactions.
“Settling payment at any government agency is now a cinch,” said Gnanalingam.
“Corruption is often about delay and discretion. As long as we have clear-cut policies that are not subject to discretionary powers, and there is no time delay in the process, there is no corruption.
“Now we can get a passport in two hours. Why do you want to pay anybody to help you get a passport?”
Entrepreneur Alan Lim agrees. “From renewing my driving licence to my passport, I find everything so efficient these days. As I am now venturing into new business areas, even the procedures to get permits and licences have been very much improved and I do not have to get runners to help me,” he said.
“Time saved is good for business, especially in tough times like now.”
Although pleased with the progress so far, Gnanalingam stressed that the momentum must continue.
“We need to continuously raise the standards, benchmarking against the best. We have started to instil a culture of serving with integrity and zero tolerance to corruption. Response has been positive as members of the civil service are going the extra mile to effect the change,” he said.
Pemudah's approach to speed up some processes will invariably result in the delegation of power to more officers to remove bottlenecks.
Greater transparency in approval criteria and track and trace systems with greater use of IT contribute to checking the abuse of power and enhances accountability of civil servants.
“Pemudah has and will consider various options to speed up processes, including the use of multiple application forms, multiple licenses, extended licenses and greater use of IT.
These are indeed ways of reducing and/or consolidating processes to make them more efficient and less burdensome to the private sector,” said Gnanalingam.
Pemudah, meanwhile, is confident the country's rankings in World Bank's Doing Business Index & Report 2008 would improve this year, underpinned by its sustained momentum for change in the public delivery system.
Malaysia was ranked 24th during the April 2006 to June 2007 period and Pemudah members believe the next ranking will definitely be higher.
Beyond an improved ranking, what is clear is that there will be further initiatives to ease the time and costs of doing business, including further refining of tax matters, streamlining hotel licenses and instilling zero tolerance towards corrupt practices.
“Pemudah will focus not just on business facilitation but also on issues that affect the lives of the ordinary citizens,” said Gnanalingam.
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Tuesday, July 15, 2008
Bank Negara sets up syariah research academy
Bank Negara sets up syariah research academy
Published: 2008/03/28
BANK Negara Malaysia (BNM) has set up the International Syariah Research Academy for Islamic Finance (Isra) to promote applied research in the area of syariah and Islamic finance.
A repository of knowledge for syariah views or fatwas, it will undertake studies on contemporary issues in Islamic financial industry.
"Isra will contribute towards strengthening human capital development in the areas of syariah and provide a platform for greater engagement amongst practitioners, scholars, regulators and academicians via research and dialogues, both in the domestic and international environment," the central bank said in a statement.
Isra also aims to promote innovation and dynamism into new boundaries of Islamic finance.
Isra, which will be part of the International Centre for Education in Islamic Finance (Inceif), will have a Council of Scholars, comprising eminent local and international syariah scholars.
Dr Mohamad Akram Laldin will be appointed executive director of Isra.
Currently, attached to the International Islamic University Malaysia, Mohamad Akram has done extensive research in the area of Islamic finance and has been actively involved in the global development of Islamic finance by being a member of several syariah committees.
Published: 2008/03/28
BANK Negara Malaysia (BNM) has set up the International Syariah Research Academy for Islamic Finance (Isra) to promote applied research in the area of syariah and Islamic finance.
A repository of knowledge for syariah views or fatwas, it will undertake studies on contemporary issues in Islamic financial industry.
"Isra will contribute towards strengthening human capital development in the areas of syariah and provide a platform for greater engagement amongst practitioners, scholars, regulators and academicians via research and dialogues, both in the domestic and international environment," the central bank said in a statement.
Isra also aims to promote innovation and dynamism into new boundaries of Islamic finance.
Isra, which will be part of the International Centre for Education in Islamic Finance (Inceif), will have a Council of Scholars, comprising eminent local and international syariah scholars.
Dr Mohamad Akram Laldin will be appointed executive director of Isra.
Currently, attached to the International Islamic University Malaysia, Mohamad Akram has done extensive research in the area of Islamic finance and has been actively involved in the global development of Islamic finance by being a member of several syariah committees.
Prudential seeks tie-ups with foreign Islamic banks
Prudential seeks tie-ups with foreign Islamic banks
BY Jeeva Arulapalam Published: 2008/03/31
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PRUDENTIAL Fund Management Bhd (PFMB) is looking to tie up with three foreign Islamic banks operating in Malaysia, to offer Islamic funds, says its top official.
Distributing PFMB's products to onshore clients through these Islamic foreign banks is part of PFMB efforts to become the Prudential Group's syariah fund management hub.
"The first step is for our products to be accepted by these banks and distributed locally before we look to package it for distribution in the Middle East," chief executive officer Mark Toh told Business Times in an interview.
PFMB, which manages all syariah investments and insurance funds for the Prudential Group, is currently finalising a distribution agreement with one of the three Middle Eastern banks based here.
As at January 31 2008, its total onshore syariah funds under management were RM704.5 million.
Syariah investment director Zulkifli Ishak said the main challenge in attracting the Islamic banks to distribute their products was the different interpretations of syariah-compliant products domestically and in the Middle East.
"These banks look at the Malaysian products and their own interpretation before deciding on how to integrate the products with their respective interpretations," said Zulkifli.
The fund management company is also in the process of developing expertise to manage global sukuk funds from Malaysia.
"Hardly anyone offers it because there is very little expertise worldwide to manage such funds. So, we are building the resources now in terms of selecting fund managers, putting up a system to manage it and collating research on sukuk issuances," said Toh.
He said PFMB will depend on the group's overall network for research materials to structure products and portfolios customised for their clientele.
"Since we already have the global equity expertise, we are now focusing on the global sukuk expertise. Our asset management licence allows us to manage global sukuk funds and we should get this out in the next couple of months," said Toh.
PFMB currently manages offshore syariah funds amounting to RM249 million as at January 31 2008, consisting of fund mandates from Indonesia and Dubai.
"We are working towards managing more mandates coming from overseas, while locally we continue to manufacture innovative syariah products," said Toh, adding that PFMB will focus on launching more products in Indonesia, Malaysia and the Middle East.
Prudential was also recently voted best Islamic fund manager by the readers of Islamic Finance News.
BY Jeeva Arulapalam Published: 2008/03/31
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PRUDENTIAL Fund Management Bhd (PFMB) is looking to tie up with three foreign Islamic banks operating in Malaysia, to offer Islamic funds, says its top official.
Distributing PFMB's products to onshore clients through these Islamic foreign banks is part of PFMB efforts to become the Prudential Group's syariah fund management hub.
"The first step is for our products to be accepted by these banks and distributed locally before we look to package it for distribution in the Middle East," chief executive officer Mark Toh told Business Times in an interview.
PFMB, which manages all syariah investments and insurance funds for the Prudential Group, is currently finalising a distribution agreement with one of the three Middle Eastern banks based here.
As at January 31 2008, its total onshore syariah funds under management were RM704.5 million.
Syariah investment director Zulkifli Ishak said the main challenge in attracting the Islamic banks to distribute their products was the different interpretations of syariah-compliant products domestically and in the Middle East.
"These banks look at the Malaysian products and their own interpretation before deciding on how to integrate the products with their respective interpretations," said Zulkifli.
The fund management company is also in the process of developing expertise to manage global sukuk funds from Malaysia.
"Hardly anyone offers it because there is very little expertise worldwide to manage such funds. So, we are building the resources now in terms of selecting fund managers, putting up a system to manage it and collating research on sukuk issuances," said Toh.
He said PFMB will depend on the group's overall network for research materials to structure products and portfolios customised for their clientele.
"Since we already have the global equity expertise, we are now focusing on the global sukuk expertise. Our asset management licence allows us to manage global sukuk funds and we should get this out in the next couple of months," said Toh.
PFMB currently manages offshore syariah funds amounting to RM249 million as at January 31 2008, consisting of fund mandates from Indonesia and Dubai.
"We are working towards managing more mandates coming from overseas, while locally we continue to manufacture innovative syariah products," said Toh, adding that PFMB will focus on launching more products in Indonesia, Malaysia and the Middle East.
Prudential was also recently voted best Islamic fund manager by the readers of Islamic Finance News.
Protection for the poor via microtakaful
Protection for the poor via microtakaful
BY Jeeva Arulapalam Published: 2008/07/15
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Three key challenges that prevent the expansion of microtakaful schemes to a wider community include lack of technical expertise, regulations and reinsurance
MICROTAKAFUL can help alleviate poverty among the Muslim population as it prevents individuals from falling back into poverty after experiencing losses and natural perils.
"It's basically designing a specific product to address a specific need bearing in mind the capacity of the policyholder," said UK-based International Cooperative and Mutual Insurance Federation (ICMIF) senior vice-president and chief financial officer Sabbir Patel.
ICMIF is a global organisation representing cooperatives and mutual insurers worldwide, comprising 200 members from 72 countries.
Patel said microtakaful provided protection for the lower income individuals, who contend with issues such as lack of product awareness and financial capability, product affordability and coverage.
"With microtakaful, products are made more affordable and easy to understand so that they (lower income individuals) have access to basic protection," he told Business Times recently.
In his ICMIF paper "Takaful and Poverty Alleviation", Patel said the lack of interest by the formal sector to serve the poor is due to low collateral, higher transaction costs, interest rate restrictions, uncertain profitability, high risks, and inability to serve the specific needs of the poor.
Thus, providing insurance coverage to the poor has fallen upon the informal sector such as microfinance institutes, non-governmental organisations, credit unions and cooperatives.
He said microtakaful could adopt a partner-agent model, in which the microtakaful provider may become an agent for an established insurance company to gain access to technical expertise.
This model allows for the pooling of risks between the formal and informal sectors.
Three key challenges that prevent the expansion of the microinsurance (or microtakaful) schemes to a wider community include lack of technical expertise, regulations and reinsurance.
According to the ICMIF, the first microtakaful scheme was established in 1997 by the Lebanon Agricultural Mutual Fund, which provides health insurance coverage for costs not covered by the government social security fund.
BY Jeeva Arulapalam Published: 2008/07/15
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Three key challenges that prevent the expansion of microtakaful schemes to a wider community include lack of technical expertise, regulations and reinsurance
MICROTAKAFUL can help alleviate poverty among the Muslim population as it prevents individuals from falling back into poverty after experiencing losses and natural perils.
"It's basically designing a specific product to address a specific need bearing in mind the capacity of the policyholder," said UK-based International Cooperative and Mutual Insurance Federation (ICMIF) senior vice-president and chief financial officer Sabbir Patel.
ICMIF is a global organisation representing cooperatives and mutual insurers worldwide, comprising 200 members from 72 countries.
Patel said microtakaful provided protection for the lower income individuals, who contend with issues such as lack of product awareness and financial capability, product affordability and coverage.
"With microtakaful, products are made more affordable and easy to understand so that they (lower income individuals) have access to basic protection," he told Business Times recently.
In his ICMIF paper "Takaful and Poverty Alleviation", Patel said the lack of interest by the formal sector to serve the poor is due to low collateral, higher transaction costs, interest rate restrictions, uncertain profitability, high risks, and inability to serve the specific needs of the poor.
Thus, providing insurance coverage to the poor has fallen upon the informal sector such as microfinance institutes, non-governmental organisations, credit unions and cooperatives.
He said microtakaful could adopt a partner-agent model, in which the microtakaful provider may become an agent for an established insurance company to gain access to technical expertise.
This model allows for the pooling of risks between the formal and informal sectors.
Three key challenges that prevent the expansion of the microinsurance (or microtakaful) schemes to a wider community include lack of technical expertise, regulations and reinsurance.
According to the ICMIF, the first microtakaful scheme was established in 1997 by the Lebanon Agricultural Mutual Fund, which provides health insurance coverage for costs not covered by the government social security fund.
Fundsupermart.com wins SC nod
Fundsupermart.com wins SC nod
FUNDSUPERMART.com, the largest online unit trust distributor in Singapore, will soon hit Malaysian shores after it recently won the Securities Commission's nod to operate here, Business Times learnt.
The website is expected to go live around September this year. At that time, retail investors can buy unit trusts from various fund houses at significantly lower prices, sources said.
"Close to 100 funds, invested in different asset classes and geographical areas, from several fund management companies are expected to be available when the website is launched," a source said.
The portal is operated by iFAST Capital Sdn Bhd, a joint venture between OSK Investment Bank Bhd and Singapore's iFAST Corp Pte Ltd.
It is talking to about 10 fund management companies here and has already signed on a few major players to distribute their products online, the source added.
The concept of online fund supermarkets is very popular in more advanced economies where retail investors are more sophisticated.
Investors can compare the charges and performance of various unit trusts from different providers, before picking the best deals that suit their requirements. Their investment decision is helped by the editorial and investment planning tools provided by the online operator.
However, this business model is fairly new to most Malaysians. Investors are likely to take years to warm up to this concept.
"It's a learning curve. Even in Singapore, it took them a few years to break even and for the business to really take off," a source said.
The arrival of fundsupermart.com will give Malaysian investors even more choices as another online financial products provider, Tune Money Sdn Bhd, may also sell unit trusts on its website soon.
In Singapore, fundsupermart.com started operations in 2000, and has grown to have S$1 billion (RM2.38 billion) worth of assets under administration as at May this year. The operation has since expanded to Hong Kong last July.
Although the upfront sales fee that will be charged to Malaysian investors have yet to be decided, it will be much lower than the usual charges for equity funds of between five per cent and six per cent. In Singapore, for example, fundsupermart.com has brought down sale charges to around two per cent, from three per cent that are generally charged by fund management companies.
Internet distributors can cut sale charges because this distribution model incurs lower operating expenses as it does not need to hire agents to promote products.
FUNDSUPERMART.com, the largest online unit trust distributor in Singapore, will soon hit Malaysian shores after it recently won the Securities Commission's nod to operate here, Business Times learnt.
The website is expected to go live around September this year. At that time, retail investors can buy unit trusts from various fund houses at significantly lower prices, sources said.
"Close to 100 funds, invested in different asset classes and geographical areas, from several fund management companies are expected to be available when the website is launched," a source said.
The portal is operated by iFAST Capital Sdn Bhd, a joint venture between OSK Investment Bank Bhd and Singapore's iFAST Corp Pte Ltd.
It is talking to about 10 fund management companies here and has already signed on a few major players to distribute their products online, the source added.
The concept of online fund supermarkets is very popular in more advanced economies where retail investors are more sophisticated.
Investors can compare the charges and performance of various unit trusts from different providers, before picking the best deals that suit their requirements. Their investment decision is helped by the editorial and investment planning tools provided by the online operator.
However, this business model is fairly new to most Malaysians. Investors are likely to take years to warm up to this concept.
"It's a learning curve. Even in Singapore, it took them a few years to break even and for the business to really take off," a source said.
The arrival of fundsupermart.com will give Malaysian investors even more choices as another online financial products provider, Tune Money Sdn Bhd, may also sell unit trusts on its website soon.
In Singapore, fundsupermart.com started operations in 2000, and has grown to have S$1 billion (RM2.38 billion) worth of assets under administration as at May this year. The operation has since expanded to Hong Kong last July.
Although the upfront sales fee that will be charged to Malaysian investors have yet to be decided, it will be much lower than the usual charges for equity funds of between five per cent and six per cent. In Singapore, for example, fundsupermart.com has brought down sale charges to around two per cent, from three per cent that are generally charged by fund management companies.
Internet distributors can cut sale charges because this distribution model incurs lower operating expenses as it does not need to hire agents to promote products.
Monday, July 14, 2008
World Chambers Congress (WCC),
Global business chambers to meet in KL next year
Rupa Damodaran Published: 2008/06/04
THE global business community will discuss how to compete and grow in difficult economic conditions at the sixth World Chambers Congress (WCC), an international event of business associations.
The WCC will be held from June 3 to 5 in Kuala Lumpur next year, the first time in Southeast Asia, with the Federation of Malaysian Manufacturers (FMM) as the host.
"The Malaysian business community, and the small- and medium-sized enterprises (SMEs) must take advantage of the opportunities to showcase their capabilities," International Trade and Industry Minister Tan Sri Muhyiddin Mohd Yassin said at the launch of a one-year countdown to the biennial congress.
Miti, through its agencies the Malaysian Industrial Development Authority (Mida) and Malaysia External Trade Development Corporation (Matrade) will arrange business matching sessions for SMEs that register early.
With over 1,000 business visitors and business matching sessions, FMM will also invite foreign chambers of commerce to organise business delegations and hold briefings for the participants.
FMM president Tan Sri Yong Poh Kon said Malaysia has an advantage as a gateway for other markets in the region, especially once the Asean Free Trade Area (Afta) is fully realised by 2015.
The WCC will have plenary and workshop sessions. Plenary sessions will address the key challenges faced by businesses today including economic implications of climate change, how businesses will need to respond to new challenges as well as the impact of globalisation on SMEs.
Other topics that will be addressed include corporate governance, counterfeiting and intellectual property, women in business, information technology and leadership.
"Businesses are being challenged with rising costs of doing business, increasing fuel prices as well as having to assume greater responsibilities on environmental and social issues."
Previous WCCs have been held in France, South Korea, Canada, South Africa and Turkey.
__________________
Rupa Damodaran Published: 2008/06/04
THE global business community will discuss how to compete and grow in difficult economic conditions at the sixth World Chambers Congress (WCC), an international event of business associations.
The WCC will be held from June 3 to 5 in Kuala Lumpur next year, the first time in Southeast Asia, with the Federation of Malaysian Manufacturers (FMM) as the host.
"The Malaysian business community, and the small- and medium-sized enterprises (SMEs) must take advantage of the opportunities to showcase their capabilities," International Trade and Industry Minister Tan Sri Muhyiddin Mohd Yassin said at the launch of a one-year countdown to the biennial congress.
Miti, through its agencies the Malaysian Industrial Development Authority (Mida) and Malaysia External Trade Development Corporation (Matrade) will arrange business matching sessions for SMEs that register early.
With over 1,000 business visitors and business matching sessions, FMM will also invite foreign chambers of commerce to organise business delegations and hold briefings for the participants.
FMM president Tan Sri Yong Poh Kon said Malaysia has an advantage as a gateway for other markets in the region, especially once the Asean Free Trade Area (Afta) is fully realised by 2015.
The WCC will have plenary and workshop sessions. Plenary sessions will address the key challenges faced by businesses today including economic implications of climate change, how businesses will need to respond to new challenges as well as the impact of globalisation on SMEs.
Other topics that will be addressed include corporate governance, counterfeiting and intellectual property, women in business, information technology and leadership.
"Businesses are being challenged with rising costs of doing business, increasing fuel prices as well as having to assume greater responsibilities on environmental and social issues."
Previous WCCs have been held in France, South Korea, Canada, South Africa and Turkey.
__________________
'Islamic finance mart needs more hybrid products'
'Islamic finance mart needs more hybrid products'
By Roziana Hamsawi Published: 2008/07/14
Japan and Hong Kong are now keen to venture into this market and if Malaysian players could become more innovative, they could easily export their expertise, says Zain Ibrahim & Co
THE Islamic finance market is in need of more hybrid products to meet the increasingly sophisticated needs of corporate clients, said Zain Ibrahim & Co (Zico) chairman Datuk Dr Nik Norzrul Thani.
Local players must grab the opportunity to become more product innovative, taking advantage of the strong Islamic finance framework already provided by the authorities.
"Japan and Hong Kong are now keen (to venture) into this market and if we could become more innovative, we could easily export our expertise," Nik Norzrul told Business Times in an interview.
Nik Norzrul, a former dean at the International Islamic University Malaysia, said the presence of foreign Islamic banks in Malaysia has been positive.
"The competition has brought about more product innovation among the local players, although there is still a lot of room for improvement," he said.
Nik Norzrul advises clients on a wide range of legal matters incorporating Islamic finance, banking, offshore finance, debt restructuring, international, corporate and commercial law.
A director of Al Rajhi Banking and Investment Corporation (Malaysia) Bhd, he has also written several articles on corporate and financial issues, particularly on Islamic banking.
Zico is the country's largest legal firm and is active in Islamic finance locally and regionally. It has presence in Indonesia, Singapore and Thailand.
It is the first law firm in Malaysia to establish a syariah advisory firm called ZI Shariah and will soon open an office in Dubai.
ZI Shariah, which is licensed by the Securities Commission to advise on sukuk, has advised clients from the Middle East who came to Malaysia on syariah framework.
The advisory services include not only for the Islamic banking legal matters, but also on personal Islamic financing and syariah-compliant wealth management.
"We have done this quite successfully with the Middle East clients and we are now contemplating to open an office in the region, maybe in Dubai," Nik Norzrul said.
Realising the growing importance of Islamic finance globally, especially among those from the Middle East who are flushed with cash, ZI Shariah has hired Arab-speaking lawyers as well as Arabic classes are being provided for its lawyers and staff.
Nik Norzrul said apart from language, legal advisers must be well equipped in understanding the syariah field, especially in the area of Islamic financing.
There is still lack of experts in this area, he said, when compared with the huge demand for Islamic financial products.
"In Malaysia, for example, why is that Muslims are still generally hesitant to engage an expert in Islamic financial management? Why is there still this assumption that Muslims cannot have wills?" he asked.
Nik Norzrul said this is an area that posed great potential and syariah lawyers should be well equipped with Islamic financial management skill.
"Muslim lawyers can play the role of family counsellors and advise Muslims to plan their finances properly before their death," he added.
By Roziana Hamsawi Published: 2008/07/14
Japan and Hong Kong are now keen to venture into this market and if Malaysian players could become more innovative, they could easily export their expertise, says Zain Ibrahim & Co
THE Islamic finance market is in need of more hybrid products to meet the increasingly sophisticated needs of corporate clients, said Zain Ibrahim & Co (Zico) chairman Datuk Dr Nik Norzrul Thani.
Local players must grab the opportunity to become more product innovative, taking advantage of the strong Islamic finance framework already provided by the authorities.
"Japan and Hong Kong are now keen (to venture) into this market and if we could become more innovative, we could easily export our expertise," Nik Norzrul told Business Times in an interview.
Nik Norzrul, a former dean at the International Islamic University Malaysia, said the presence of foreign Islamic banks in Malaysia has been positive.
"The competition has brought about more product innovation among the local players, although there is still a lot of room for improvement," he said.
Nik Norzrul advises clients on a wide range of legal matters incorporating Islamic finance, banking, offshore finance, debt restructuring, international, corporate and commercial law.
A director of Al Rajhi Banking and Investment Corporation (Malaysia) Bhd, he has also written several articles on corporate and financial issues, particularly on Islamic banking.
Zico is the country's largest legal firm and is active in Islamic finance locally and regionally. It has presence in Indonesia, Singapore and Thailand.
It is the first law firm in Malaysia to establish a syariah advisory firm called ZI Shariah and will soon open an office in Dubai.
ZI Shariah, which is licensed by the Securities Commission to advise on sukuk, has advised clients from the Middle East who came to Malaysia on syariah framework.
The advisory services include not only for the Islamic banking legal matters, but also on personal Islamic financing and syariah-compliant wealth management.
"We have done this quite successfully with the Middle East clients and we are now contemplating to open an office in the region, maybe in Dubai," Nik Norzrul said.
Realising the growing importance of Islamic finance globally, especially among those from the Middle East who are flushed with cash, ZI Shariah has hired Arab-speaking lawyers as well as Arabic classes are being provided for its lawyers and staff.
Nik Norzrul said apart from language, legal advisers must be well equipped in understanding the syariah field, especially in the area of Islamic financing.
There is still lack of experts in this area, he said, when compared with the huge demand for Islamic financial products.
"In Malaysia, for example, why is that Muslims are still generally hesitant to engage an expert in Islamic financial management? Why is there still this assumption that Muslims cannot have wills?" he asked.
Nik Norzrul said this is an area that posed great potential and syariah lawyers should be well equipped with Islamic financial management skill.
"Muslim lawyers can play the role of family counsellors and advise Muslims to plan their finances properly before their death," he added.
financial firms get Islamic fund management go-ahead
3 financial firms get Islamic fund management go-ahead
THE Securities Commission (SC) has given three financial institutions the green light to set up local Islamic fund management companies.
Applications made by Kuwait Finance House, DBS Asset Management and CIMB-Principal Islamic Asset Management were approved in line with the government's move to strengthen Malaysia's position as an international Islamic financial centre.
"The approval of these three companies will play a catalytic role in the internationalisation of our Islamic capital market," said SC chairman Datuk Zarinah Anwar in a statement issued on Saturday.
She added that interest shown by international players to participate in Malaysia's capital market enhances Malaysia's opportunity to be a leading Islamic fund and wealth management hub.
The SC is also currently evaluating proposals from other leading fund management companies to establish Islamic fund management operations here.
Kuwait Finance House managing director Datuk K. Salman Younis said the group's fund management activities in the region will be consolidated using its local Islamic fund management unit.
Meanwhile, DBS Asset Management Ltd chief executive officer Deborah Ho said its new entity will structure and distribute Islamic asset management products across Asia via synergies with DBS and DBS' Islamic Bank of Asia.
"We are now awaiting the necessary regulatory approvals from the Monetary Authority of Singapore," Ho said.
DBS Asset Management and its associate companies currently manage RM65 billion in assets.
THE Securities Commission (SC) has given three financial institutions the green light to set up local Islamic fund management companies.
Applications made by Kuwait Finance House, DBS Asset Management and CIMB-Principal Islamic Asset Management were approved in line with the government's move to strengthen Malaysia's position as an international Islamic financial centre.
"The approval of these three companies will play a catalytic role in the internationalisation of our Islamic capital market," said SC chairman Datuk Zarinah Anwar in a statement issued on Saturday.
She added that interest shown by international players to participate in Malaysia's capital market enhances Malaysia's opportunity to be a leading Islamic fund and wealth management hub.
The SC is also currently evaluating proposals from other leading fund management companies to establish Islamic fund management operations here.
Kuwait Finance House managing director Datuk K. Salman Younis said the group's fund management activities in the region will be consolidated using its local Islamic fund management unit.
Meanwhile, DBS Asset Management Ltd chief executive officer Deborah Ho said its new entity will structure and distribute Islamic asset management products across Asia via synergies with DBS and DBS' Islamic Bank of Asia.
"We are now awaiting the necessary regulatory approvals from the Monetary Authority of Singapore," Ho said.
DBS Asset Management and its associate companies currently manage RM65 billion in assets.
Friday, July 11, 2008
About OIC
About OIC
The Organization of the Islamic Conference (OIC) is the second largest inter-governmental organization after the United Nations which has membership of 57 states spread over four continents. The Organization is the collective voice of the Muslim world and ensuring to safeguard and project the interests of the Muslim world in the spirit of promoting international peace and harmony among various people of the world. The Organization was established upon a decision of the historical summit which took place in Rabat, Kingdom of Morocco on 12th Rajab 1398 Hijra (25 September 1969) as a result of criminal arson of Al-Aqsa Mosque in occupied Jerusalem.
In 1970 the first ever meeting of Islamic Conference of Foreign Minister (ICFM) was held in Jeddah which decided to establish a permanent secretariat in Jeddah headed by the organization’s secretary general. Prof Ekmeleddin Ihsanoglu is the 9th Secretary General who assumed the office in January 2005 after being elected by the 31st ICFM.
The Charter of the Organization was adopted by the Third ICFM in 1972 which laid down the objectives and principles of the organization and fundamental purposes to strengthen the solidarity and cooperation among the member states. Over the last 38 years, the membership has grown from its founding members of 30 to 57 states. The Organization has the singular honor to galvanize the Ummah into a unified body and have actively represented the Muslims by espousing all causes close to the hearts of over 1.5 billion Muslims of the world. The Organization has consultative and cooperative relations with the UN and other inter-governmental organizations to protect the vital interests of the Muslims and to work for the settlement of conflicts and disputes involving member states. In safeguarding the true values of Islam and the Muslims, the organization has taken various steps to remove misperceptions and have strongly advocated elimination of discrimination against the Muslims in all forms and manifestations.
The Members States of the OIC faces many challenges in the 21st century and to address those challenges, the third extraordinary session of the Islamic Summit held in Makkah in December 2005, laid down the blue print called the Ten-Year Program of Action which envisages joint action of member states, promotion of tolerance and moderation, modernization, extensive reforms in all spheres of activities including science and technology, education, trade enhancement, and emphasizes good governance and promotion of human rights in the Muslim world, especially with regard to rights of children, women and elderly and the family values enshrined by Islam.
Under the Charter, the Organization aims to:
1. Strengthen:
Islamic solidarity among Member States;
Cooperation in the political, economic, social, cultural and scientific fields:
The struggle of all Muslim people to safeguard their dignity, independence and national rights.
2. Coordinate action to:
Safeguard the Holy Places;
Support the struggle of the Palestinian people and assist them in recovering their rights and liberating their occupied territories.
3. Work to:
Eliminate racial discrimination and all forms of colonialism;
Create a favorable atmosphere for the promotion of cooperation and understanding between Member States and other countries.
The Charter also enumerates the principles governing OIC activities, namely:
Full equality among Member States
Observation of the right to self determination and non-interference in the internal affairs of Member States
Observation of the sovereignty, independence and territorial integrity of each State
The settlement of any dispute that might arise among Member States by peaceful means such as negotiations, mediation, conciliation and arbitration
A pledge to refrain, in relations among Member States, from resorting to force or threatening to resort to the use of force against the unity and territorial integrity or the political independence of any one of them In order to achieve its objectives, the Organization has main bodies, secondary organs, institutions and specialized committees.
The Islamic Conference is composed of the following main bodies:
The Conference of Kings and Heads of State and Government, also known as the Islamic Summit Conference, is the supreme authority of the Organization which meets once every three years to lay down the Organization’s policy and elects Chairman of the Organization who holds office until next session.
The Conference of Foreign Ministers, which meets once a year to examine a progress report on the implementation of its decisions taken within the framework of the policy defined by the Islamic Summit
The General Secretariat, which is the executive organ of the Organization, entrusted with the implementation of the decisions of the two preceding bodies
So far eleven Islamic Summit Conferences and thirty-four Islamic Conferences of Foreign Ministers (ICFM) have been held. The Eleventh Islamic Summit Conference held in the Dakar on 13-14 March 2008 elected Senegal as the current Chairman of the Organization. The Secretary General of the Organization of the Islamic Conference, Professor Ekmeleddin Ihsanoglu, was re-elected for a new term of office at the closing meeting of the 11th Session of the Islamic Summit Conference. The new OIC Charter was adopted at the Dakar Summit. The Summit also witnessed the setting up of a Special Programme for the Development of Africa (SPDA). An agreement between H.E. President Omar Hassan Al Bashir and H.E. President Idriss Deby, President of the Republic of Chad, under the auspices of H.E. Maitre Abdoulaye Wade, President of the Republic of Senegal, was signed on the sidelines of the 11th Islamic Summit Conference, on 13 March 2008. Before the Summit Conference, at His Excellency President Abdoulaye Wade’s initiative, the first conference of humanitarian and charity organizations was held in Saly Portudal from 7 to 9 March 2008.
In order to coordinate and boost its action, align its view points and stands, and be credited with concrete results in the various fields of cooperation: political, economic, cultural, social, spiritual and scientific, among Member States, the Organization has created different committees, nearly all, at ministerial level, a number of which are chaired by Heads of State. The Al-Quds Committee, the Standing Committee for Information and Cultural Affairs (COMIAC), the Standing Committee for Economic and Trade Cooperation (COMCEC), and the Standing Committee for Scientific and Technical Cooperation (COMSTECH) are the ones Chaired by Heads of State.
The number and types of secondary organs and institutions, working toward the achievement of the OIC objectives, have been steadily increasing, and cover various areas of cultural, scientific, economic, legal, financial, sports, technological, educational, media, as well as vocational, social and humanitarian. Depending on their degree of autonomy vis-à-vis the parent organization, they are classified as subsidiary organs and specialized or affiliated institutions.
The Organization of the Islamic Conference (OIC) is the second largest inter-governmental organization after the United Nations which has membership of 57 states spread over four continents. The Organization is the collective voice of the Muslim world and ensuring to safeguard and project the interests of the Muslim world in the spirit of promoting international peace and harmony among various people of the world. The Organization was established upon a decision of the historical summit which took place in Rabat, Kingdom of Morocco on 12th Rajab 1398 Hijra (25 September 1969) as a result of criminal arson of Al-Aqsa Mosque in occupied Jerusalem.
In 1970 the first ever meeting of Islamic Conference of Foreign Minister (ICFM) was held in Jeddah which decided to establish a permanent secretariat in Jeddah headed by the organization’s secretary general. Prof Ekmeleddin Ihsanoglu is the 9th Secretary General who assumed the office in January 2005 after being elected by the 31st ICFM.
The Charter of the Organization was adopted by the Third ICFM in 1972 which laid down the objectives and principles of the organization and fundamental purposes to strengthen the solidarity and cooperation among the member states. Over the last 38 years, the membership has grown from its founding members of 30 to 57 states. The Organization has the singular honor to galvanize the Ummah into a unified body and have actively represented the Muslims by espousing all causes close to the hearts of over 1.5 billion Muslims of the world. The Organization has consultative and cooperative relations with the UN and other inter-governmental organizations to protect the vital interests of the Muslims and to work for the settlement of conflicts and disputes involving member states. In safeguarding the true values of Islam and the Muslims, the organization has taken various steps to remove misperceptions and have strongly advocated elimination of discrimination against the Muslims in all forms and manifestations.
The Members States of the OIC faces many challenges in the 21st century and to address those challenges, the third extraordinary session of the Islamic Summit held in Makkah in December 2005, laid down the blue print called the Ten-Year Program of Action which envisages joint action of member states, promotion of tolerance and moderation, modernization, extensive reforms in all spheres of activities including science and technology, education, trade enhancement, and emphasizes good governance and promotion of human rights in the Muslim world, especially with regard to rights of children, women and elderly and the family values enshrined by Islam.
Under the Charter, the Organization aims to:
1. Strengthen:
Islamic solidarity among Member States;
Cooperation in the political, economic, social, cultural and scientific fields:
The struggle of all Muslim people to safeguard their dignity, independence and national rights.
2. Coordinate action to:
Safeguard the Holy Places;
Support the struggle of the Palestinian people and assist them in recovering their rights and liberating their occupied territories.
3. Work to:
Eliminate racial discrimination and all forms of colonialism;
Create a favorable atmosphere for the promotion of cooperation and understanding between Member States and other countries.
The Charter also enumerates the principles governing OIC activities, namely:
Full equality among Member States
Observation of the right to self determination and non-interference in the internal affairs of Member States
Observation of the sovereignty, independence and territorial integrity of each State
The settlement of any dispute that might arise among Member States by peaceful means such as negotiations, mediation, conciliation and arbitration
A pledge to refrain, in relations among Member States, from resorting to force or threatening to resort to the use of force against the unity and territorial integrity or the political independence of any one of them In order to achieve its objectives, the Organization has main bodies, secondary organs, institutions and specialized committees.
The Islamic Conference is composed of the following main bodies:
The Conference of Kings and Heads of State and Government, also known as the Islamic Summit Conference, is the supreme authority of the Organization which meets once every three years to lay down the Organization’s policy and elects Chairman of the Organization who holds office until next session.
The Conference of Foreign Ministers, which meets once a year to examine a progress report on the implementation of its decisions taken within the framework of the policy defined by the Islamic Summit
The General Secretariat, which is the executive organ of the Organization, entrusted with the implementation of the decisions of the two preceding bodies
So far eleven Islamic Summit Conferences and thirty-four Islamic Conferences of Foreign Ministers (ICFM) have been held. The Eleventh Islamic Summit Conference held in the Dakar on 13-14 March 2008 elected Senegal as the current Chairman of the Organization. The Secretary General of the Organization of the Islamic Conference, Professor Ekmeleddin Ihsanoglu, was re-elected for a new term of office at the closing meeting of the 11th Session of the Islamic Summit Conference. The new OIC Charter was adopted at the Dakar Summit. The Summit also witnessed the setting up of a Special Programme for the Development of Africa (SPDA). An agreement between H.E. President Omar Hassan Al Bashir and H.E. President Idriss Deby, President of the Republic of Chad, under the auspices of H.E. Maitre Abdoulaye Wade, President of the Republic of Senegal, was signed on the sidelines of the 11th Islamic Summit Conference, on 13 March 2008. Before the Summit Conference, at His Excellency President Abdoulaye Wade’s initiative, the first conference of humanitarian and charity organizations was held in Saly Portudal from 7 to 9 March 2008.
In order to coordinate and boost its action, align its view points and stands, and be credited with concrete results in the various fields of cooperation: political, economic, cultural, social, spiritual and scientific, among Member States, the Organization has created different committees, nearly all, at ministerial level, a number of which are chaired by Heads of State. The Al-Quds Committee, the Standing Committee for Information and Cultural Affairs (COMIAC), the Standing Committee for Economic and Trade Cooperation (COMCEC), and the Standing Committee for Scientific and Technical Cooperation (COMSTECH) are the ones Chaired by Heads of State.
The number and types of secondary organs and institutions, working toward the achievement of the OIC objectives, have been steadily increasing, and cover various areas of cultural, scientific, economic, legal, financial, sports, technological, educational, media, as well as vocational, social and humanitarian. Depending on their degree of autonomy vis-à-vis the parent organization, they are classified as subsidiary organs and specialized or affiliated institutions.
Federation of GCC Chambers launches GCC-Asean Eco. Centre In August
Federation of GCC Chambers launches GCC-Asean Eco. Centre In August
Economics 7/9/2008 9:02:00 AM
KUALA LUMPUR, July 9 (KUNA) -- The Federation of GCC Chambers (FGCCC) is set to launch its GCC-Asean economic centre in South-East Asia in August this year.
However, the exact location for the centre has yet to be identified.
A promoter of the centre, Hamad Ali Al-Sifran, said he was currently evaluating several invitations and proposals from the governments of Association of South-East Asian Nations (Asean) before deciding on the location.
To date, the centre has identified several prominent figures from all the GCC countries to be appointed as board members.
With its headquarters in Damman, Saudi Arabia, the FGCCC represents all federations and chambers of commerce of the Arab Gulf states comprising Bahrain, Qatar, Kuwait, the United Arab Emirates, and Oman.
FGCCC's secretary general, Abdulrahim Hassan Al-Naqi was quoted as saying the centre would be its official representative office for all activities within Asean.(end) mma.wsa KUNA 090902 Jul 08NNNN
Economics 7/9/2008 9:02:00 AM
KUALA LUMPUR, July 9 (KUNA) -- The Federation of GCC Chambers (FGCCC) is set to launch its GCC-Asean economic centre in South-East Asia in August this year.
However, the exact location for the centre has yet to be identified.
A promoter of the centre, Hamad Ali Al-Sifran, said he was currently evaluating several invitations and proposals from the governments of Association of South-East Asian Nations (Asean) before deciding on the location.
To date, the centre has identified several prominent figures from all the GCC countries to be appointed as board members.
With its headquarters in Damman, Saudi Arabia, the FGCCC represents all federations and chambers of commerce of the Arab Gulf states comprising Bahrain, Qatar, Kuwait, the United Arab Emirates, and Oman.
FGCCC's secretary general, Abdulrahim Hassan Al-Naqi was quoted as saying the centre would be its official representative office for all activities within Asean.(end) mma.wsa KUNA 090902 Jul 08NNNN
Federation of GCC Chambers of Commerce announces plans to create e-market place
Federation of GCC Chambers of Commerce announces plans to create e-market place
Mr. Mohammed Abdulla Al Mulla, Secretary General of the Federation of GCC Chambers of Commerce, has announced that the preparations to launch the pioneering GCC Electronic Market Place are now at their final stage with the project to be officially launched in October 2002 under the name of SouqAlKhaleej.Net
United Arab Emirates: Tuesday, May 21 - 2002 at 16:45 PRESS RELEASE
Mr. Mohammed Abdulla Al Mulla, Secretary General of the Federation of GCC Chambers of Commerce.
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This project has been developed as one of the resolutions announced during GEBIC - the Gulf E-Business International Conference - that was held in Dubai, April 2000, in order to support and help GCC economies successfully embrace the digital economy and bridge the technological divide between the region and other developed areas of the world.
Making the official announcement Mr Al Mulla said: 'We are proud today to say that SoukAlKhaleej.net is the first project of its kind in the region and is a major initiative in helping to enhance the economic prosperity of the GCC countries.
'This is a significant project for the Federation of GCC Chambers of Commerce and Industry in the region and SouqAlKhaleej.Net will contribute in enhancing the role of the private sector, represented by the Chambers, that have such an important strategic role in the digital transformation.
'The contribution of the Chambers of Commerce in efficiently managing this project will help improve the service of the Chambers in their efforts to enter more fully into e-trading as this project will help bridge the digital divide in the market at both public and private sector level. The Federation recognises that the gap is too big and if not bridged now the transformation to digital economy in the region will be delayed to a point where this gap can never be closed.'
The project, which is now being undertaken with a series of leading international technology partners, consists of delivering four primary services:
Authentication Services - that can help foster confidence and build stronger brand names and trust in the business community in the region and includes providing electronic certification to companies.
Electronic Document Transfer Services - giving users of the GCC common e-market place the mechanism to transfer trade documents electronically and complete trade cycles without the need for third parties.
Information Service - creation of a unified database for all companies and organisations working in the GCC.
Business Opportunities - creating a platform where business opportunities can be shared among authenticated Chamber members in the region and help boost economic opportunities for the region.
Mr Al Mulla added that one of the primary benefits of the project was the ability of the Federation of GCC Chambers of Commerce to deliver the service to 500,000 companies in 30 different Chambers under one official umbrella organisation.
He added: 'We are also convinced that this initiative will play an important role in helping the region faces the challenges posed by GATT for example and giving the region an improved competitive edge in the future. We also have to seize the opportunity that SouqAlKhaleej.net represents as we have the technical and human resources in place to benefit from the digital economy.
'In addition as a region we benefit within the GCC from a shared geography, environment, language and heritage that are significant factors to help in the success of this project.'
The project will apply the very latest e-techniques to collect, distribute and provide the information to the users. The Federation plans to announce in the near future more technical details of the common e-market while they finalise plans to link the market with international trade nets all over the world.
ENDS
Mr. Mohammed Abdulla Al Mulla, Secretary General of the Federation of GCC Chambers of Commerce, has announced that the preparations to launch the pioneering GCC Electronic Market Place are now at their final stage with the project to be officially launched in October 2002 under the name of SouqAlKhaleej.Net
United Arab Emirates: Tuesday, May 21 - 2002 at 16:45 PRESS RELEASE
Mr. Mohammed Abdulla Al Mulla, Secretary General of the Federation of GCC Chambers of Commerce.
sponsored link
Incredible Colours of India - Visit incredibleindia.org, to know more about places to visit in India
What is a sponsored TextLink?
related stories
Federation of GCC Chambers of Commerce RSS feed
Federation of the GCC Chambers announces Eurochambres' participation in FGCCC 33rd annual meeting
FGCCC signs MOU to produce a documentary of GCC economic integration
» more Federation of GCC Chambers of Commerce news
This project has been developed as one of the resolutions announced during GEBIC - the Gulf E-Business International Conference - that was held in Dubai, April 2000, in order to support and help GCC economies successfully embrace the digital economy and bridge the technological divide between the region and other developed areas of the world.
Making the official announcement Mr Al Mulla said: 'We are proud today to say that SoukAlKhaleej.net is the first project of its kind in the region and is a major initiative in helping to enhance the economic prosperity of the GCC countries.
'This is a significant project for the Federation of GCC Chambers of Commerce and Industry in the region and SouqAlKhaleej.Net will contribute in enhancing the role of the private sector, represented by the Chambers, that have such an important strategic role in the digital transformation.
'The contribution of the Chambers of Commerce in efficiently managing this project will help improve the service of the Chambers in their efforts to enter more fully into e-trading as this project will help bridge the digital divide in the market at both public and private sector level. The Federation recognises that the gap is too big and if not bridged now the transformation to digital economy in the region will be delayed to a point where this gap can never be closed.'
The project, which is now being undertaken with a series of leading international technology partners, consists of delivering four primary services:
Authentication Services - that can help foster confidence and build stronger brand names and trust in the business community in the region and includes providing electronic certification to companies.
Electronic Document Transfer Services - giving users of the GCC common e-market place the mechanism to transfer trade documents electronically and complete trade cycles without the need for third parties.
Information Service - creation of a unified database for all companies and organisations working in the GCC.
Business Opportunities - creating a platform where business opportunities can be shared among authenticated Chamber members in the region and help boost economic opportunities for the region.
Mr Al Mulla added that one of the primary benefits of the project was the ability of the Federation of GCC Chambers of Commerce to deliver the service to 500,000 companies in 30 different Chambers under one official umbrella organisation.
He added: 'We are also convinced that this initiative will play an important role in helping the region faces the challenges posed by GATT for example and giving the region an improved competitive edge in the future. We also have to seize the opportunity that SouqAlKhaleej.net represents as we have the technical and human resources in place to benefit from the digital economy.
'In addition as a region we benefit within the GCC from a shared geography, environment, language and heritage that are significant factors to help in the success of this project.'
The project will apply the very latest e-techniques to collect, distribute and provide the information to the users. The Federation plans to announce in the near future more technical details of the common e-market while they finalise plans to link the market with international trade nets all over the world.
ENDS
Difficult for G8 to ’shake off its elitist baggage’
2008/07/11
HARDEV KAUR: Difficult for G8 to ’shake off its elitist baggage’
By : Hardev Kaur
Email to friend Print article
TWO different groupings — D8 and G8 — met this week. D8, a grouping of developing countries, met in Kuala Lumpur, and G8, comprising the most industrialised nations in the world, met in Hokkaido, Japan.
Issues confronting both groupings are the same — rising food and fuel prices, commodity prices, poverty, inflationary pressures, slow economic growth, rising unemployment, increasing protectionism, environment and climate change.
While these problems are global and not confined to the developing countries, D8, or the African continent, the fact is that the most fragile and poor are the most vulnerable. The rich and developed world cannot continue to ignore their plight in today’s interconnected world.
Undoubtedly, the list of issues and agenda is long and difficult even for the leaders of rich nations to deal with satisfactorily all at the same time, but the world’s population — especially those living on US$1 (RM3.25) a day and less — hope some relief will come their way. They and millions others around the world have been disappointed each time the leaders meet.
There is always a lot of talk, promises and pledges made with little concrete action to show when leaders meet again the next time. The communiqués and statements do not feed the hungry, nor do they provide a roof over the heads of the poor, or help finance the education of children, or take care of the sick and the elderly.
The G8 is not doing enough. For example, at their meeting in Gleneagles in 2005, the leaders promised US$50 billion (RM160 billion) for the poor, of which at least US$25 billion was promised for Africa, but only US$7 billion or 14 per cent has been disbursed so far and they are endangering agreed Millennium Development Goals.
The situation has worsened — even the president of the World Bank, Robert Zoellick, describes it as “double jeopardy” and says the G8 needs to do more.
Then again, the G8 leaders do not take into account the effect their decisions have on the poor, those in developing and emerging economies. The devastating effect of the 1985 Plaza Accord on Southeast Asian countries, including Malaysia, is just one example. (The G7 leaders meeting in New York’s Plaza Hotel had agreed to force the currencies of especially Japan and Germany to rise against the US dollar. The yen doubled in value against the dollar in just two and a half years.)
Even if they make the right noises, their follow-up actions do not add up. The Financial Times reports that “few summits generate such a yawning gap between the rhetoric of world leaders on fighting poverty and climate change and the reality of their comfortable daily lives than at the annual G8 gathering".
With the world economy on the skids, rising inflation and the fallout from the US subprime mortgage crisis, coupled with rising fuel and food prices, the developed countries that have not kept their promise of aid in the best of economic times are falling behind even more. Very few of the developed countries have disbursed 0.7 per cent of their gross national product as agreed under the Official Development Assistance commitments.
Civil society, non-governmental organisations and others have urged the rich nations to deliver on their promises. But these calls, as always, fall on deaf ears. Jeremy Hobbs, executive director of Oxfam International, points out that “if we don’t get leadership in the G8, we are in trouble, so this summit really has to come up with some pretty substantial proposals if we are not going to see things get significantly worse — particularly for poor countries".
But there is no leadership from the G8! And the grouping can no longer adequately deal with many of the global problems among themselves.
The plight of the D8 is no better. They are not as economically powerful as the G8 and as such, their commitments are also significantly smaller. But these countries are affected by what happens in the rest of the world and their economies are vulnerable to the decisions made by the developed nations — yet they do not have a say in these decisions.
Japanese Deputy Foreign Minister Masaharu Kohno acknowledges that “all the main issues are transborder issues, be it terrorism, the food crisis or climate change. We are no longer in the era where we can be bound by national borders".
And the cosy club of the largest economies in the world, the G8, is beginning to lose its shine. The world has moved on but the G8 finds it “difficult to shake off its elitist baggage". Some of the larger economies of today, such as China — the fourth-largest in dollar terms — is not even at the main table.
France’s President Nicolas Sarkozy says it is “not reasonable” for G8 to keep meeting without emerging powers like China and India. Leaders from China, India, South Korea and Indonesia are among the 14 countries that will make a cameo appearance at the Hokkaido summit. But they are not a party to the decisions of the G8.
Thus, even before the leaders head home from the resort in Hokkaido, there are already objections from developing countries on the emissions-reductions targets set by the G8. China, India, Brazil, Mexico and South Africa declined to accept numerical targets, arguing it would suppress their economic growth.
The differences are not limited to environment and climate change but go beyond to cover disputes over how to cope with record oil and food prices. The problems confronting the G8, comprising the US, Japan, Germany, Italy, Britain, France, Canada and Russia, and the D8 — Bangladesh, Egypt, Indonesia, Iran, Malaysia, Nigeria, Pakistan and Turkey — are the same.
“If you think of the G8 as a club of the most influential countries in the global economy, it’s hard to see how you can keep China and India out,” points out Hal Hill, an economics professor at Australia National University.
As the economic power shifts to the East, the emerging economic giants cannot be marginalised and kept on the fringes. Their economic muscle must be recognised. They must be included for comprehensive and global solutions.
HARDEV KAUR: Difficult for G8 to ’shake off its elitist baggage’
By : Hardev Kaur
Email to friend Print article
TWO different groupings — D8 and G8 — met this week. D8, a grouping of developing countries, met in Kuala Lumpur, and G8, comprising the most industrialised nations in the world, met in Hokkaido, Japan.
Issues confronting both groupings are the same — rising food and fuel prices, commodity prices, poverty, inflationary pressures, slow economic growth, rising unemployment, increasing protectionism, environment and climate change.
While these problems are global and not confined to the developing countries, D8, or the African continent, the fact is that the most fragile and poor are the most vulnerable. The rich and developed world cannot continue to ignore their plight in today’s interconnected world.
Undoubtedly, the list of issues and agenda is long and difficult even for the leaders of rich nations to deal with satisfactorily all at the same time, but the world’s population — especially those living on US$1 (RM3.25) a day and less — hope some relief will come their way. They and millions others around the world have been disappointed each time the leaders meet.
There is always a lot of talk, promises and pledges made with little concrete action to show when leaders meet again the next time. The communiqués and statements do not feed the hungry, nor do they provide a roof over the heads of the poor, or help finance the education of children, or take care of the sick and the elderly.
The G8 is not doing enough. For example, at their meeting in Gleneagles in 2005, the leaders promised US$50 billion (RM160 billion) for the poor, of which at least US$25 billion was promised for Africa, but only US$7 billion or 14 per cent has been disbursed so far and they are endangering agreed Millennium Development Goals.
The situation has worsened — even the president of the World Bank, Robert Zoellick, describes it as “double jeopardy” and says the G8 needs to do more.
Then again, the G8 leaders do not take into account the effect their decisions have on the poor, those in developing and emerging economies. The devastating effect of the 1985 Plaza Accord on Southeast Asian countries, including Malaysia, is just one example. (The G7 leaders meeting in New York’s Plaza Hotel had agreed to force the currencies of especially Japan and Germany to rise against the US dollar. The yen doubled in value against the dollar in just two and a half years.)
Even if they make the right noises, their follow-up actions do not add up. The Financial Times reports that “few summits generate such a yawning gap between the rhetoric of world leaders on fighting poverty and climate change and the reality of their comfortable daily lives than at the annual G8 gathering".
With the world economy on the skids, rising inflation and the fallout from the US subprime mortgage crisis, coupled with rising fuel and food prices, the developed countries that have not kept their promise of aid in the best of economic times are falling behind even more. Very few of the developed countries have disbursed 0.7 per cent of their gross national product as agreed under the Official Development Assistance commitments.
Civil society, non-governmental organisations and others have urged the rich nations to deliver on their promises. But these calls, as always, fall on deaf ears. Jeremy Hobbs, executive director of Oxfam International, points out that “if we don’t get leadership in the G8, we are in trouble, so this summit really has to come up with some pretty substantial proposals if we are not going to see things get significantly worse — particularly for poor countries".
But there is no leadership from the G8! And the grouping can no longer adequately deal with many of the global problems among themselves.
The plight of the D8 is no better. They are not as economically powerful as the G8 and as such, their commitments are also significantly smaller. But these countries are affected by what happens in the rest of the world and their economies are vulnerable to the decisions made by the developed nations — yet they do not have a say in these decisions.
Japanese Deputy Foreign Minister Masaharu Kohno acknowledges that “all the main issues are transborder issues, be it terrorism, the food crisis or climate change. We are no longer in the era where we can be bound by national borders".
And the cosy club of the largest economies in the world, the G8, is beginning to lose its shine. The world has moved on but the G8 finds it “difficult to shake off its elitist baggage". Some of the larger economies of today, such as China — the fourth-largest in dollar terms — is not even at the main table.
France’s President Nicolas Sarkozy says it is “not reasonable” for G8 to keep meeting without emerging powers like China and India. Leaders from China, India, South Korea and Indonesia are among the 14 countries that will make a cameo appearance at the Hokkaido summit. But they are not a party to the decisions of the G8.
Thus, even before the leaders head home from the resort in Hokkaido, there are already objections from developing countries on the emissions-reductions targets set by the G8. China, India, Brazil, Mexico and South Africa declined to accept numerical targets, arguing it would suppress their economic growth.
The differences are not limited to environment and climate change but go beyond to cover disputes over how to cope with record oil and food prices. The problems confronting the G8, comprising the US, Japan, Germany, Italy, Britain, France, Canada and Russia, and the D8 — Bangladesh, Egypt, Indonesia, Iran, Malaysia, Nigeria, Pakistan and Turkey — are the same.
“If you think of the G8 as a club of the most influential countries in the global economy, it’s hard to see how you can keep China and India out,” points out Hal Hill, an economics professor at Australia National University.
As the economic power shifts to the East, the emerging economic giants cannot be marginalised and kept on the fringes. Their economic muscle must be recognised. They must be included for comprehensive and global solutions.
Thursday, July 10, 2008
Iran cadang guna satu mata
Online - Berita Utama http://www.utusan.com.my/utusan/info.asp?y=2008&dt=0709&p...
1 of 1 7/9/2008 6:32 PM
BERITA UTAMA
Iran cadang guna satu mata
wang
KUALA LUMPUR 8 Julai - Iran mencadangkan penggunaan satu mata wang di kalangan negaranegara
Islam bagi mengurangkan penggantungan dolar Amerika Syarikat (AS).
Presiden Iran, Mahmoud Ahmadinejad berkata, penggunaan mata wang boleh meningkatkan kuasa
pembeli dan membuat keputusan.
''Kewujudan mata wang Islam akan turut membantu dalam meningkatkan imej dan status
masyarakat serta negara Islam," katanya dalam satu sidang akhbar khas yang diadakan selepas
Sidang Kemuncak Kumpulan Lapan Negara Islam Membangun (D-8) di sini hari ini.
Perkara tersebut juga dibangkitkan sewaktu pertemuan Ahmadinejad dengan bekas Perdana
Menteri, Tun Dr. Mahathir Mohammad di bilik penginapannya semalam yang menyambut baik
cadangan tersebut.
Terdahulu, Ahmadinejad memberitahu, penyertaan Iran dalam D-8 bukan sahaja akan memberi
manfaat kepada negaranya tetapi kepada semua anggota.
"Ini kerana kerjasama yang konstruktif akan membuka lebih banyak ruang dan peluang untuk
meneroka peluang perdagangan yang luas," jelasnya.
Beliau turut menyatakan kesediaan untuk membantu mana-mana negara anggota dalam
mana-mana bidang sekiranya diperlukan.
1 of 1 7/9/2008 6:32 PM
BERITA UTAMA
Iran cadang guna satu mata
wang
KUALA LUMPUR 8 Julai - Iran mencadangkan penggunaan satu mata wang di kalangan negaranegara
Islam bagi mengurangkan penggantungan dolar Amerika Syarikat (AS).
Presiden Iran, Mahmoud Ahmadinejad berkata, penggunaan mata wang boleh meningkatkan kuasa
pembeli dan membuat keputusan.
''Kewujudan mata wang Islam akan turut membantu dalam meningkatkan imej dan status
masyarakat serta negara Islam," katanya dalam satu sidang akhbar khas yang diadakan selepas
Sidang Kemuncak Kumpulan Lapan Negara Islam Membangun (D-8) di sini hari ini.
Perkara tersebut juga dibangkitkan sewaktu pertemuan Ahmadinejad dengan bekas Perdana
Menteri, Tun Dr. Mahathir Mohammad di bilik penginapannya semalam yang menyambut baik
cadangan tersebut.
Terdahulu, Ahmadinejad memberitahu, penyertaan Iran dalam D-8 bukan sahaja akan memberi
manfaat kepada negaranya tetapi kepada semua anggota.
"Ini kerana kerjasama yang konstruktif akan membuka lebih banyak ruang dan peluang untuk
meneroka peluang perdagangan yang luas," jelasnya.
Beliau turut menyatakan kesediaan untuk membantu mana-mana negara anggota dalam
mana-mana bidang sekiranya diperlukan.
Wednesday, July 9, 2008
Plan that’s of interest to credit cardholders
Plan that’s of interest to credit cardholders
By M. KRISHNAMOORTHY
KUALA LUMPUR: Credit cardholders will have reason to smile, as the stiff 18% per annum interest rate has been reduced effective July 1.
Bank Negara has introduced a tiered interest rate to reward cardholders who pay their monthly statements before the due date.
For those who pay their credit card bills promptly for 12 consecutive months, the interest rate is reduced to 15% per annum. The cardholder will get to enjoy the lower interest rate from the 13th month.
For those who pay promptly for at least 10 out of 12 months, the interest rate is be lowered by 1% to 17%. The ceiling rate of 18% per annum will still be applicable for other cardholders.
The comforting news is that cardholders do not have to settle the outstanding amount in full – they need to pay only the minimum amount involved.
Credit cardholders have been informed of the new-tiered interest rate structure by their respective banks.
An Association of Banks Malaysia official said Bank Negara had introduced the tiered finance charges to promote more prudent financial management among credit cardholders.
On average, one-third of 2.7 million credit cardholders use their credit cards as a payment instrument, settling their credit card outstanding amount in full every month.
Over half the cardholders pay at least the minimum amount due promptly and roll over the remaining balance. .
It was reported earlier that from July 1, credit cardholders who make minimum or partial repayment of their monthly outstanding amounts would no longer enjoy the 20-day interest-free period for new retail transactions.
However, those who settle their credit card outstanding amounts in full every month will continue to enjoy the interest-free period.
By M. KRISHNAMOORTHY
KUALA LUMPUR: Credit cardholders will have reason to smile, as the stiff 18% per annum interest rate has been reduced effective July 1.
Bank Negara has introduced a tiered interest rate to reward cardholders who pay their monthly statements before the due date.
For those who pay their credit card bills promptly for 12 consecutive months, the interest rate is reduced to 15% per annum. The cardholder will get to enjoy the lower interest rate from the 13th month.
For those who pay promptly for at least 10 out of 12 months, the interest rate is be lowered by 1% to 17%. The ceiling rate of 18% per annum will still be applicable for other cardholders.
The comforting news is that cardholders do not have to settle the outstanding amount in full – they need to pay only the minimum amount involved.
Credit cardholders have been informed of the new-tiered interest rate structure by their respective banks.
An Association of Banks Malaysia official said Bank Negara had introduced the tiered finance charges to promote more prudent financial management among credit cardholders.
On average, one-third of 2.7 million credit cardholders use their credit cards as a payment instrument, settling their credit card outstanding amount in full every month.
Over half the cardholders pay at least the minimum amount due promptly and roll over the remaining balance. .
It was reported earlier that from July 1, credit cardholders who make minimum or partial repayment of their monthly outstanding amounts would no longer enjoy the 20-day interest-free period for new retail transactions.
However, those who settle their credit card outstanding amounts in full every month will continue to enjoy the interest-free period.
Tuesday, July 8, 2008
Money is just an SMS away
Tuesday July 8, 2008
Money is just an SMS away
By JO TIMBUONG
INDONESIANS sending money home do not need to stand in line anymore because they can now do it with their mobile phones.
Local mobile content company, Com2U Sdn Bhd recently launched moneyMe, an operator-independent mobile remittance service, to immediately and securely transfer money within Malaysia and Indonesia via SMS.
The service currently allows Maxis and DiGi mobile subscribers to transfer money between Malaysia and Indonesia.
Com2u plans to make the service available to Celcom subscribers next month.
Currently, most fund transfers to Indonesia are done manually at banks and results are not instantaneous, Com2U said.
Com2u decided to launch its service in Indonesia based on the huge number of its workers earning a living in Malaysia.
It estimates that about 66% of foreign workers in Malaysia are from Indonesia.
“Most of them come from ‘under-banked’ areas and the beneficiaries live in those under-banked areas,” said Tan Sri Ahmad Mohd Don, Com2u chairman.
Ahmad added that every family in those under-banked areas would have at least one mobile phone that is shared among its members.
This he said, makes mobile remittance a perfect service for them.
Com2U has also established a strategic partnership with PT Ebays, an authorised marketing distributor of Duit Pos Multiguna Service in Indonesia to allow beneficiaries to withdraw funds at Pos Indonesia outlets with the Wesel Pos Instant Service, a remittance service found in Indonesian post offices.
“It’s as easy as reloading your mobile airtime credit,” said Eugene Loke, Com2U chief executive officer told In.Tech after launching the service last week. Registration and subscription via SMS to the service is free.
After registering, users can go to any outlet with e-pay facilities to load the desired amount to their moneyMe mobile wallet.
E-pay facilities can be found at numerous bookstores, convenient stores and restaurants nationwide.
Subscribers are allowed to transfer up to RM50,000 a day and are charged a processing fee from as low as RM9.
The beneficiary will be notified with a text message identifying the amount and sender of the funds and it can be cashed at any Pos Indonesia agents.
MoneyMe’s functionality is guarded by a Personal Identification Number (PIN) and a subscriber’s account details are not stored on the phone.
“They can call moneyMe customer service to freeze the account if they lose their mobile phones,” Loke explained.
Com2u said it will be expanding its moneyMe service to banks in Indonesia to make it even more convenient for beneficiaries to claim their funds.
The company said it also plans to expand the service to other countries in South-East Asia but did not elaborate further.
Money is just an SMS away
By JO TIMBUONG
INDONESIANS sending money home do not need to stand in line anymore because they can now do it with their mobile phones.
Local mobile content company, Com2U Sdn Bhd recently launched moneyMe, an operator-independent mobile remittance service, to immediately and securely transfer money within Malaysia and Indonesia via SMS.
The service currently allows Maxis and DiGi mobile subscribers to transfer money between Malaysia and Indonesia.
Com2u plans to make the service available to Celcom subscribers next month.
Currently, most fund transfers to Indonesia are done manually at banks and results are not instantaneous, Com2U said.
Com2u decided to launch its service in Indonesia based on the huge number of its workers earning a living in Malaysia.
It estimates that about 66% of foreign workers in Malaysia are from Indonesia.
“Most of them come from ‘under-banked’ areas and the beneficiaries live in those under-banked areas,” said Tan Sri Ahmad Mohd Don, Com2u chairman.
Ahmad added that every family in those under-banked areas would have at least one mobile phone that is shared among its members.
This he said, makes mobile remittance a perfect service for them.
Com2U has also established a strategic partnership with PT Ebays, an authorised marketing distributor of Duit Pos Multiguna Service in Indonesia to allow beneficiaries to withdraw funds at Pos Indonesia outlets with the Wesel Pos Instant Service, a remittance service found in Indonesian post offices.
“It’s as easy as reloading your mobile airtime credit,” said Eugene Loke, Com2U chief executive officer told In.Tech after launching the service last week. Registration and subscription via SMS to the service is free.
After registering, users can go to any outlet with e-pay facilities to load the desired amount to their moneyMe mobile wallet.
E-pay facilities can be found at numerous bookstores, convenient stores and restaurants nationwide.
Subscribers are allowed to transfer up to RM50,000 a day and are charged a processing fee from as low as RM9.
The beneficiary will be notified with a text message identifying the amount and sender of the funds and it can be cashed at any Pos Indonesia agents.
MoneyMe’s functionality is guarded by a Personal Identification Number (PIN) and a subscriber’s account details are not stored on the phone.
“They can call moneyMe customer service to freeze the account if they lose their mobile phones,” Loke explained.
Com2u said it will be expanding its moneyMe service to banks in Indonesia to make it even more convenient for beneficiaries to claim their funds.
The company said it also plans to expand the service to other countries in South-East Asia but did not elaborate further.
Menjana Kembali Sistem Ekonomi Islam
Menjana Kembali Sistem Ekonomi Islam
Assalamualaikum,
Masanya dah tiba kepada semua Umat Islam Yang Beriman, Umat Islam yang Cintakan Islam Umat Islam yang Mencintai ALLAH, Umat Islam yang Mencintai Rasullullah kita mulakan kembali Sistem Ekonomi Rasullullah SAW yang telah lama kita tinggalkan,
Memandangkan keadaan ekonomi Umat Islam yang lemah, Umat Islam perlu Menjana Ekonomi Umat Islam mengikut contoh Ekonomi Islam Zaman Rasullullah SAW, Sistem Ekonomi Islam seperti Zaman Rasullullah SAW perlu di jalankan supaya Umat Islam kembali menerajui Ekonomi,
Oleh itu saya ingin mengajak Anda Semua Saudara Saya Seagama membina kembali Sistem Ekonomi Islam cara Rasullullah SAW dan Mengajak Semua Saudara Seagama Islam yang Beriman dan Mencintai Islam supaya menyertainya Bersama-sama bergandingan bekerjasama memajukan Ekonomi Islam
Sistem Ekonomi Islam (cara Rasullullah SAW) dapat menghapuskan kemungkaran dan maksiat selain dapat menanggani berbagai gejala sosial dan akhlak seperti rasuah, kezaliman dan berbagai lagi masaalah yang menimpa umat Manusia kini
Sistem Ekonomi Islam bukan memberi faedah pada Umat Islam sahaja malah Sistem Ekonomi Islam memberi faedah kepada Semua Umat Manusia serta Semua Makhluk ALLAH SWT, Sistem Ekonomi Islam ialah Muamalah Terbaik kepada Manusia dan Seluruh isi Dunia
Sedikit Fakta Mengenai Sistem Ekonomi Islam
Ringkasnya Sistem Ekonomi Islam ialah berdasarkan “PERKONGSIAN”, Dimana Manusia dan seluruh Makhluk Berkongsi TUHAN yang SATU ALLAH SWT, Umat Islam pula Berkongsi Raullullah SAW yang sama, Berkongsi Kitab Suci Al Quran yang sama, Kiblat yang sama, Berkongsi Agama yang sama iaitu ISLAM,
Sistem Ekonomi yang dibuat Rasullullah SAW (Sistem Ekonomi Islam) ialah permulaan kepada Tamadun Ekonomi Manusia, Sistem Ekonomi yang lengkap dan teratur membawa Perpaduan Umat Islam serta Menjana Kemajuan,
Namun ianya telah dilupakan oleh Umat Islam zaman ini, menyebabkan bukan Islam telahpun memanopolikan ekonomi dunia terutama yahudi dan nasrani, dengan menambah beberapa perkara seperti riba dan penipuan pada masa yang sama Umat Islam yang semakin melupakan Sistem Ekonomi Rasullullah SAW telah ketinggalan yang amat jauh
Persoalannya sampai bilakah Umat Islam mahu terus melupakan Sistem Ekonomi yang pernah Memajukan Islam ke tahap Maksimum ?
Sistem Ekonomi Islam ini MEMULAKAN KEMBALI Sistem Ekonomi Islam Zaman Rasullullah SAW 1400 tahun yang lampau, Sistem Rasullullah SAW yang terbukti paling berjaya, Sistem Ekonomi yang paling berkemampuan membawa Umat Islam kembali ke Mercu Kegemilangan, Sistem Ekonomi Islam yang Menggabungkan Seluruh Kekuatan Minda, Ilmu, Tenaga dan Harta Umat Islam untuk Memajukan Umat Islam
Banyak masaalah yang di hadapi Umat Islam dapat di selesaikan, pada ketika Umat Islam di pecah belahkan oleh berbagai Bangsa, Negara, Bahasa, Warna Kulit, Parti, Jamaah dan sebagainya Sistem Ekonomi Islam dapat Menyatukan kembali Umat Islam kerana Sistem Ekonomi Islam Terbuka untuk Semua Umat Islam Yang Beriman, Yang Cintakan Islam, yang sanggup Berjihad, Sistem Ekonomi Islam yang tidak terbatas kepada Bangsa, Negara, Bangsa dan Kedudukan, Baik Melayu, Cina, India, Arab atau apa Bangsa sekalipun dapat menyertai Sistem Ekonomi Islam, dari berbagai Negara mahupun Bahasa yang di gunakan,
Dunia Ekonomi Islam tanpa Sempadan tanpa mengira daripada mana-mana Negara sekalipun dapat menyertai Sistem Ekonomi Islam, halangan kepada Umat Islam yang Beriman hanya timbul dari diri sendiri hasutan Nafsu, hasutan syaitan, tipudaya dunia dan hasutan manusia yang memusuhi Islam yang bersifat dengki dan tamak sahaja, tiada batasan untuk Umat Islam Yang Beriman dan Cintakan Islam untuk Maju dan Perjuangkan Islam (Jihad Pada Jalan ALLAH SWT) melalui Jalan Ekonomi dan Perang
Bermula Sejarah Penghijrahan Penduduk Makkah (Muhajirin) ke Madinah, Penduduk Madinah Auz dan Khazraj yang di satukan Rasullullah SAW (Ansar) telah menunjukkan Teladan yang Terbaik, Kaum Ansar sanggup memberikan Kebun-kebun mereka kepada Kaum Muhajirin, atas Semangat Persaudaraan yang amat kukuh dan Cintakan Islam Sistem Ekonomi Islam di jayakan, Sikap Saling bantu-membantu Sesama Islam Kerana Sayangkan Islam dan Cintakan ALLAH SWT menjadikan Sistem Ekonomi Islam begitu kukuh dan kuat sehingga mengalahkan dan menjatuhkan ekonomi yahudi yang sebelumnya Menguasai ekonomi di Madinah
1400 tahun hijrah yang lampau keadaan Umat Islam zaman Rasullullah SAW terdiri daripada berbagai keadaan ekonomi ada yang kaya, yang sederhana dan yang miskin lebih ramai malah terdapat juga Umat Islam yang menjadi Hamba, Kejayaan Sistem Ekonomi Islam Rasullullah SAW dan Para Sahabat RA dapat di lihat dimana tiada lagi Umat Islam yang menjadi Hamba dan Miskin, Perigi Saidina Uthman RA di Madinah adalah satu bukti Pengorbanan Seorang Sahabat RA yang “melabur” Membelanjakan Hartanya pada Jalan ALLAH SWT dengan membeli salah satu perigi daripada 2 perigi di Madinah daripada yahudi serta mewakafkan kepada Umat Islam dan Masyarakat,
Perlantikan “Tokoh Korporat” seperti Saidina Abdul Rahman Auf RA yang mengetuai “Angkatan Perdagangan” yang berurusan Mengekspot barangan Umat Islam ke luar Madinah adalah satu lagi contoh Pembangunan Ekonomi Islam Zaman Rasullullah SAW
Inilah yang perlu kita Umat Islam lakukan bagi Membangunkan kembali Ekonomi Islam cara Rasullullah SAW yang telah di lupakan, memandangkan Ekonomi dunia yang kembali di kuasai yahudi sementara ekonomi di Malaysia yang di dominasi oleh bukan Islam, Oleh itu Kita Umat Islam hanya perlu Menjana Kembali Sistem Ekonomi Islam, Umat Islam perlu mengubah Minda seperti Minda Umat Islam 1400 tahun hijrah yang lampau, Kita perlu jadi Umat Islam Bersaudara yang Saling Bantu Membantu dalam semua segi
Sistem Ekonomi Islam di yakini mampu untuk mengubah Minda Umat Islam menjadi sepertimana Minda Umat Islam yang Terbaik seperti Umat Islam Zaman Rasullullah SAW, Para Sahabat dan Para Tabiin, dengan adanya Sistem Ekonomi Islam akan melahirkan Umat Islam berminda kelas pertama seperti zaman Rasullullah SAW dan Sahabat RA, Umat Islam yang Beriman akan bersatu di dalam Angkatan Perdagangan yang kuat yang akan kembali menguasai ekonomi di serata tempat, Umat Islam akan beroleh Keuntungan dunia dan Akhirat sekaligus, paling utama Umat Islam akan kembali Bersaudara kasih mengasihi sesama Islam dan Dasar “Sahabat” akan di mulakan kembali,
Sistem Ekonomi Islam ialah Jihad kecil sebagai persediaan dan kayu pengukur kepada Jihad besar iaitu Berperang Pada Jalan ALLAH SWT, Jihad kecil yang dapat melatih Umat Islam bersedia untuk Jihad Besar, disebabkan Umat Islam sekarang semakin lemah untuk Berjihad, Kekuatan Islam perlu di pulihkan dengan memulihkan Ekonomi Islam, Kekuatan ekonomi di Zaman Rasullullah SAW sehingga zaman kegemilangan Islam telah menyebar luaskan Syiar Islam ke serata pelusuk dunia, sudahkah kita Umat Islam Nusantara Asia lupa bahawa Syiar Islam tersebar kesini melalui Perdagangan?
Sistem Ekonomi Islam ini di wujudkan bertujuan untuk Menyatu-padukan Umat Islam dari sudut Ekonomi atau Muamalah, selain itu Sistem Ekonomi Islam di adakan supaya Umat Islam mendapat Yang Halal Dan Berkat, dengan itu Umat Islam akan lebih Berkasih Sayang Sesama Islam di samping Semangat Tolong Menolong dalam Semua Urusan Duniawi dan Akhirat, Dengan adanya Sistem Ekonomi Islam Kita Umat Islam bukan sahaja dapat Memperkukuhkan Ekonomi Islam tetapi dapat Mempertingkat Ekonomi Diri kita dan Saudara Seagama sesama kita, malah melalui Sistem Ekonomi Islam juga dapat Membangunkan Teknologi Islam Berdasarkan Kitab Al Quran dan Sunnah dan Hadis Nabi SAW
Sistem Ekonomi Islam bukanlah satu bentuk Perniagaan yang baru, Sistem Ekonomi Islam di jalankan dengan Menghimpunkan dan Menyatukan Syarikat-syarikat dan Perniagaan milik Umat Islam dan juga Menghimpunkan dan Menyatukan Ilmu dan Kemahiran Umat Islam, Sistem Ekonomi Islam masih mengekal bentuk perniagaan yang sedia ada yang menepati Syarak, Sistem Ekonomi Islam hanya bertujuan untuk Menghimpunkan Umat Islam untuk di Satukan menjadikan Umat Islam Kuat serta Mengembalikan Persaudaraan Sesama Islam sebagaimana yang telah di buat oleh Rasullullah SAW, dalam ertikata lain untuk Mengembalikan Sunnah Rasullullah SAW,
Selain itu melalui Sistem Ekonomi Islam Umat Islam dapat Meneroka bidang Perniagaan baru yang lebih moden seperti membina kapalterbang dan lain-lain lagi yang belum pernah di terokai oleh Umat Islam, Sistem Ekonomi Islam ialah untuk Mencari Keberkatan bukannya keuntungan Dunia semata-mata, Keberkatan adalah nikmat yang di beri ALLAH SWT di atas dunia dan memberi pertolongan di akhirat kelak
Sistem Ekonomi Islam juga Bertujuan untuk Mengembalikan Kekuatan Umat Islam dari sudut Ekonomi dan Perpaduan serta Pengorbanan dan Perjuangan, Semangat Sayangkan Islam dan Mencintai Islam perlu di pupuk kembali, Umat Islam perlu bangkit membina kembali Kekuatan Ekonomi Islam yang hampir musnah, Sesuatu tugas yang sukar tetapi Perlu di lakukan Kerana ALLAH SWT
Sistem Ekonomi Islam ini bukanlah baru di reka mahupun idea baru, Sistem Ekonomi Islam ini ialah “Mengulang Kembali” apa yang telah di lakukan Rasullullah SAW dan Para Sahabat RA 1400 tahun Hijrah yang lepas, Sistem Ekonomi Islam ini mahu di buat berdasarkan Hadis Rasullullah SAW
Daripada Abu Hurairah r.a. berkata: Bersabda Rasulullah saw, "Islam mula tersebar dalam keadaan dagang (asing). Dan ia akan kembali asing pula. Maka beruntunglah orang orang yang asing".
H.R. Muslim
Berdasarkan Hadis Rasullullah SAW ini Umat Islam Yang Beriman perlu kembali “berdagang” sepertimana Zaman Rasullullah SAW, Selain itu berdagang juga adalah salah satu cara Umat Islam Yang Beriman Berdakwah menunjukkan kepada bukan Islam Perpaduan Umat Islam yang menjadi contoh Terbaik, malangnya Umat Islam telah meninggalkannya sebaliknya kini Budaya Islam ini di ikuti oleh bukan Islam contohnya Kaum Cina di Malaysia yang menguasai ekonomi Malaysia bagi memantapkan Sistem Ekonomi mereka
Berdasarkan Panduan di dalam Kitab Suci Al Quran Surah Al Anfal Ayat 73
Dan orang-orang yang kafir, setengahnya menjadi penyokong dan pembela bagi setengahnya yang lain. Jika kamu (wahai umat Islam) tidak menjalankan (dasar bantu-membantu sesama sendiri yang diperintahkan oleh Allah) itu, nescaya akan berlakulah fitnah (kekacauan) di muka bumi dan kerosakan yang besar.
Nyatalah Umat Islam sedang melalui zaman kemelesetan ekonomi kerana tidak menjalankan dasar saling bantu membantu sehingga Ekonomi kita di jajah oleh bukan Islam, akibatnya terdapat Umat Islam yang hidup teramat miskin dan terdapat juga Umat Islam yang menjadi “hamba” (mengikut istilah moden) kepada bukan Islam, perkara ini tak patut menimpa Umat Islam sekiranya Kita Umat Islam saling Bantu-Membantu dalam menjalankan urusan Duniawi
Sistem Ekonomi Islam amat memerlukan Umat Islam yang mahu Bantu Membantu Sesama Islam bagi Menguasai Ekonomi yang di dominasi oleh bukan Islam sepertimana di terangkan di dalam Kitab Suci Al Quran Surah Al Anfal 73, Sistem Ekonomi Islam ialah Umum dimana ia melibatkan semua Umat Islam Bersama-sama Bersatu padu dalam menempuh sebarang kesusahan atau menikmati kesenangan, sebab itulah Sistem Ekonomi Islam di yakini Mampu menjadikan Umat Islam bersatu-padu kasih mengasihi Sesama Islam seperti Umat Islam Zaman Rasullullah SAW
Semua Umat Islam boleh menyertai Sistem Ekonomi Islam ini, tak kira apa jua Bangsa, Negara, Bahasa, Jantina dan Usia, tiada sebarang halangan untuk Umat Islam untuk menyertai Sistem Ekonomi Islam dan Tiada PAKSAAN kepada Umat Islam untuk menyertainya, Sistem Ekonomi Islam ini KHUSUS untuk Umat Islam yang Beriman yang Cintakan Islam dan Ikhlas, Sistem Ekonomi Islam ini ialah Dasar Perkongsian Ekonomi dalam Kehidupan dimana Umat Islam Yang Beriman sudah pasti mengetahui bahawa Kita Berkongsi TUHAN yang SATU, Berkongsi Nabi SAW yang Sama, Berkongsi Agama Yang Sama Islam dan Berkongsi Hidup di atas Dunia(Bumi) yang Sama, Selain kita akan di himpun bersama di Akhirat kelak
Cara Sistem Ekonomi Islam Di Jalankan
Sistem Ekonomi Islam ini akan di jalankan Berdasarkan Panduan daripada Kitab Suci Al Quran Surah Al Anfal Ayat 7
Dan (ingatlah) ketika Allah menjanjikan kepada kamu salah satu dari dua angkatan, menjadi untuk kamu (menghadapinya), sedang kamu suka kiranya (angkatan perniagaan) bukan angkatan (perang) yang mempunyai kekuatan itu yang dijadikan untuk kamu (menghadapinya). Padahal Allah menghendaki untuk menetapkan yang benar (ugama Islam) dengan Kalimah-kalimahNya, dan untuk membinasakan kaum yang kafir seluruhnya;
Umat Islam Yang Beriman sudah Pasti Menyedari dan Merasai bahawa kita Umat Islam telahpun “Kehilangan” kedua-dua Angkatan sebagaimana maksud yang tersebut di dalam Kitab Suci Al Quran Surah Al Anfal Ayat 7, Kedua-dua Angkatan ini sudahpun Pupus di telan Zaman tanpa kita Umat Islam menyedarinya, Dengan itu adalah menjadi Tugas Kita sebagai Umat Islam untuk Memulakan Kembali apa yang telah di lakukan Rasullullah SAW (Sunnah) 1400 tahun hijrah yang lampau
Sistem Ekonomi Islam ialah Menubuhkan Kembali “Angkatan Perniagaan” untuk Perjuangan Islam di waktu Aman, Sistem Ekonomi Islam juga berfungsi Mengembalikan “Kebolehan” Umat Islam dalam kehidupan Dunia mahupun Akhirat, Umat Islam mempunyai Kebolehan yang amat Tinggi Kerana di Bantu oleh ALLAH SWT, dengan adanya Sistem Ekonomi Islam atau “Angkatan Perniagaan” ini Umat Islam dapat Berjuang dari Sudut Ekonomi dan Perang yang Sebenar, Inilah Kehebatan Umat Islam apabila Bersatu di mana Kebolehan/Kemahiran yang ada pada Umat Islam di kumpulkan Umat Islam dapat Menguasai apa sahaja Kerana Di bantu ALLAH SWT biarpun jumlah Umat Islam sedikit
Dengan itu Umat Islam Yang Beriman perlu di kumpulkan seramai mungkin, Umat Islam yang Sayangkan Islam di seru menyertai Sistem ini, Semua Umat Islam terutama Yang Beriman di Jemput dan Di Raikan menyertai Sistem Ekonomi Islam, Sokongan daripada Umat Islam amat di perlukan terutama Doa-doa daripada Saudara Seagama supaya “Angkatan Perdagangan” (Sistem Ekonomi Islam) dapat di jalankan dan Berjaya
Umat Islam Yang Beriman boleh menyertai Angkatan Perdagangan ini melalui Pinjaman atau Pelaburan
Pinjaman
Pinjaman yang di maksudkan bukanlah pinjaman daripada Bank dan Institusi Kewangan, Pinjaman dari Institusi Kewangan contohnya Bank tidak praktikal kerana ia tidak dapat menghimpunkan Umat Islam dalam Sistem Ekonomi Islam, Pinjaman dari Institusi Kewangan lebih bersifat peribadi,
Pinjaman yang di maksudkan ialah Pinjaman daripada Umat Islam yang sudi meminjamkan harta miliknya Kerana ALLAH SWT sepertimana di dalam Kitab Suci Al Quran Surah Al Baqarah Ayat 245, Surah Al Maidah Ayat 12, Surah Al Hadiid Ayat 11 dan 18, Surah Al Taghaabun Ayat 17 dan Surah Al Muzammil Ayat 20
Contoh “Pinjaman” yang di maksudkan ialah
1. Adalah penting untuk Kita Umat Islam Mengumpulkan dan Menyatukan Perniagaan dan Syarikat yang di miliki Umat Islam untuk dijadikan Sebuah Angkatan, daripada sekecil-kecil perniagaan Umat Islam sehinggalah syarikat perniagaan yang besar sekiranya di satukan akan menjadi lebih besar dan kukuh, Oleh itu Tuanpunya Syarikat dan Perniagaan Islam boleh Berkorban dengan “Meminjamkan” Syarikat atau Perniagaan Mereka Bergabung di dalam Angkatan Perdagangan Islam
2. Keseluruhan Umat Islam juga boleh “Pinjamkan” samaada Ilmu, Harta, Wang ringgit, Tenaga, dan Masa dalam Angkatan Perdagangan Islam ini, malah Umat Islam dapat meminjamkan apa saja kepada Angkatan Perdagangan Islam
Umat Islam yang mempunyai Ilmu “Kemahiran” dalam segenap bidang boleh juga Pinjamkannya kepada Angkatan Perdagangan Islam, Contohnya Umat Islam yang mempunyai Kemahiran dalam bidang Mekanik Kenderaan dan IT dapat meminjamkan Ilmu mereka dengan menyubang Ilmu mereka kepada Angkatan Perdagangan Islam, Doktor-doktor dan Jururawat serta Ahli Perubatan Tradisional juga boleh menyumbangkan Ilmu mereka di dalam Angkatan Perdagangan Islam, Kesimpulannya segala Ilmu yang di miliki oleh Umat Islam akan di gabungkan untuk Memajukan Islam, Ilmu Umat Islam yang Berharga ini akan di “Bayar” oleh ALLAH SWT sekiranya Umat Islam sanggup meminjamkannya Kerana ALLAH SWT
Umat Islam yang mempunyai Harta seperti tanah dan bangunan atau kenderaan dapat meminjamkannya kepada Angkatan Perdagangan Islam, Adalah di alu-alukan Umat Islam yang mempunyai Tanah-tanah Terbiar supaya meminjamkannya kepada Angkatan Perdagangan Islam untuk di usahakan, Umat Islam yang mempunyai lebihan Kenderaan juga boleh meminjamkannya kepada Angkatan Perdagangan Islam, Umat Islam juga boleh Meminjamkan SAHAM yang mereka miliki kepada Angkatan Perdagangan Islam supaya Saham-saham ini dapat dikumpulkan dan dengan jumlah Majoriti Saham ini akan membolehkan Angkatan Perdagangan Islam Menguasai Syarikat-syarikat Besar contohnya Tenaga Nasional dan Telekom Malaysia, Proton dan lain-lain lagi, Sebagai contoh Umat Islam yang menjadi kakitangan Tenaga Nasional boleh Meminjamkan Saham mereka kepada Angkatan Perdagangan Islam
Umat Islam juga boleh meminjamkan Wang Ringgit mereka untuk Memajukan Sistem Ekonomi Islam, berlawanan dengan Arus kehidupan sekarang selalunya Umat Islam yang akan meminjam tetapi untuk Angkatan Perdagangan ini Umat Islam pula yang akan memberi Pinjaman
Tenaga dan Masa yang di Pinjamkan ialah Usaha daripada Umat Islam untuk menjayakan Angkatan Perdagangan Islam ini, Tenaga dan Masa Umat Islam untuk “Marketing” dan mengajak Umat Islam lain menyertai Angkatan Perdagangan Islam dan sebagainya
Pelaburan
Angkatan Perdagangan Islam ialah penyelesaian kepada Masaalah Umat Islam masa kini, dimana Umat Islam masa kini masih lagi tidak mempunyai ruang untuk benar-benar Melabur dengan Sistem Ekonomi Islam, dengan adanya Angkatan Perdagangan Islam yang di Perkukuhkan oleh Umat Islam sendiri Umat Islam boleh melabur di dalam Angkatan Perdagangan Islam yang tiada Syak dari sudut Islam, Pelaburan yang tidak menetapkan jumlah dan keuntungan yang di kongsi Sesama Umat Islam
Memandangkan keadaan semasa dimana ramai Umat Islam melalui satu ujian getir iaitu “Pelaburan Internet” dan MLM yang menjadi topik perbualan hangat baru-baru ini, kita tidak tahu berapa ramai Umat Islam yang mengalami kerugian atau mendapat keuntungan, pada masa yang sama kita juga tidak tahu berapa banyak keuntungan yang berjaya di dapati oleh bukan Islam, begitu juga apabila harga barangan runcit naik sebelum gaji Kakitangan Awam naik, ini menjadikan tekanan ekonomi yang menimpa Umat Islam lebih parah, Puncanya hanyalah di sebabkan tiadanya Sistem Ekonomi Islam yang menjadi Pusat Ekonomi Umat Islam
Adalah menyedihkan apabila melihat Umat Islam tertekan dari sudut Ekonomi, Oleh itu adalah lebih baik sekiranya Umat Islam dapat Melabur di dalam Angkatan Perdagangan Islam (Sistem Ekonomi Islam) berdasarkan Panduan Kitab Suci Al Quran Surah Al Hadiid Ayat 10
Pelaburan juga bermakna Umat Islam perlu “Membelanjakan” Hartanya pada Jalan ALLAH dan “Sumbangan” atau “Derma” Umat Islam kepada Islam, sepertimana Petunjuk yang terdapat di dalam Kitab Suci Al Quran Surah Al Baqarah Ayat 261, 262, 265 dan 274, juga Surah AT Taubah Ayat 121 dan Surah Al Hadiid Ayat 7, dimana Umat Islam di Perintahkan supaya Membelanjakan Harta Pada jalan ALLAH
Pelaburan kedalam Angkatan Perdagangan Islam juga berkonsepkan Hadis Rasullullah SAW yang Bermaksud 9/10 daripada sumber rezeki ialah berpunca daripada Perniagaan, Dalam keadaan sekarang dimana ramai Umat Islam yang bekerja samaada Bekerja Kerajaan atau Swasta seperti kerjaya sebagai Polis dan Tentera dan Bomba (sektor Kerajaan Beruniform) ataupun Kerja Kilang (Swasta), sudah pasti Umat Islam yang Bekerja Kerajaan atau Swasta ini terikat dengan undang-undang samaada tidak dibenarkan berniaga dan lain-lain lagi, dengan adanya Sistem Ekonomi Islam mengikut Contoh (Sunnah) Rasullullah SAW, Umat Islam dapat merebut Peluang untuk Berniaga Pada Jalan ALLAH SWT dan 9/10 sumber rezeki bersama-sama dengan Umat Islam yang lain
Kesimpulan
Umat Islam hanya mempunyai Satu Jalan sahaja untuk maju dalam kehidupan Dunia dan Akhirat iaitu jalan Sunnah yang telah di tunjukkan Rasullullah SAW, Umat Islam mempunyai berbagai Kemahiran yang sekiranya dapat dikumpulkan menjadi satu sudah pasti Umat Islam akan dapat meningkatkan Teknologi yang lebih moden dan Menguasai Bidang Ekonomi sama seperti Umat Islam Zaman Rasullullah SAW, Umat Islam telah terlatih untuk melakukan Dakwah iaitu Pemasaran atau “Marketing” yang Cekap, Umat Islam sendiri telah terlatih untuk memberikan Perkhidmatan Terbaik dan Menghasilkan dan Menjual Barangan yang Halal, Terbaik dan Sudah pasti membawa dan memberi KEBERKATAN kepada Penjual dan Pembeli dan Pengguna, Umat Islam bukan sahaja dapat Memberi Kebaikan kepada Umat Islam sahaja malah Umat Islam dapat membawa Kebaikan kepada keseluruhan Manusia dan Makhluk ALLAH SWT diatas Muka Bumi ini
Sekiranya Rancangan ini berjaya Umat Islam bakal menikmati Satu Rangkaian Perniagaan yang cukup besar dan lengkap contohnya rangkaian Kedai Runcit Islam yang terdapat di seluruh dunia dan Pasaraya-pasaraya Besar dan rangkaian Kontraktor Islam yang Terbesar dan Termoden dan Rangkaian Perladangan Penternakan yang Terbesar dan Rangkaian Syarikat IT yang Besar dan bermacam-macam lagi Kemudahan
Melaksana Sistem Ekonomi Islam adalah Tugas Berat yang perlu di lakukan oleh Umat Islam yang Cintakan Islam, Yang Sayangkan Islam juga pada yang Ingin Berjihad Pada Jalan ALLAH SWT ini ialah medan yang akan menguji Kemampuan kita dalam menempuh Cabaran dalam Kehidupan Dunia yang sementara sebelum menempuh Alam Akhirat yang kekal, Seperti biasa kepada Semua Lelaki Islam, Para Mukmin sekelian Tanggungjawap Kita untuk Bersahabat dan Berjihad Pada Jalan ALLAH amatlah diperlukan dan kepada Semua Wanita Solehah Para Mukminat Sekelian contohilah Ummu Mukminin Saidatina Khadijah RA, Tumpukan pada Pembangunan Islam yang menjamin Kehidupan Dunia dan Akhirat
Sistem ini masih dalam Percubaan di dunia “Siber”, Percubaan di dunia luar telah banyak kali menemui kegagalan di sebabkan terdapat beberapa masaalah teknikal yang tidak dapat di elakkan, dengan Bantuan daripada Setiap Mukmin dan Mukminat yang Sayangkan Islam, Mencintai ALLAH SWT dan RasulNYA Insyaallah masaalah teknikal ini dapat di selesaikan,
Pada masa kini hanya kajian sahaja yang di jalankan tiada sebarang bayaran atau kutipan yang akan di kenakan, usaha di lakukan untuk mengumpul sebanyak mungkin Umat Islam Yang Beriman bagi menjayakan rancangan ini, sebarang kutipan dan pembayaran akan di beritahu kelak setelah mendapat persetujuan daripada Anda Semua Umat Islam yang Beriman yang menyertai rancangan ini, Tiada Paksaan untuk menyertai Rancangan ini
Kepada Mukmin dan Mukminat yang mempunyai Syarikat Perniagaan mahupun Firma-firma perunding (Guaman, Akaun, dan sebagainya) yang ingin menyertai, Sertakan
Nama Syarikat :
Bidang Perniagaan :
Alamat :
No Telefon:
emailkan kepada: usahawan_berkat@yahoo.com
Kepada yang berminat untuk menyertai dalam bentuk Pelaburan dan Pinjaman sertakan Nama :
Jumlah Pelaburan :
Alamat:
No. Telefon
emailkan kepada : usahawanberkat_pelaburan@yahoo.com
Kepada yang berminat menyertai dalam bentuk Pinjaman sertakan
Nama :
Bentuk Pinjaman : contoh Wang, Saham, Aset seperti Tanah mahupun Rumah
Alamat :
No. Telefon :
emailkan kepada : usahawanberkat_pinjaman@yahoo.com
Kepada Umat Islam Yang Beriman yang berminat menyertai tetapi tidak berkemampuan (tidak mempunyai syarikat, menyertai skim Pinjaman dan Pelaburan) beleh sertai juga dengan menyumbangkan Tenaga dan Minda Anda sertakan
Nama :
Alamat :
No Telefon :
Emailkan kepada : usahawanberkat_minda@yahoo.com
Bagi mengelakkan sebarang bentuk penipuan dan kesalahan serta kesilapan Cadangan daripada Semua Mukmin dan Mukminat amatlah di alu-alukan, Sebarang Pertanyaan dan Pandangan ataupun mempunyai sebarang Idea mengenai Sistem Ekonomi Islam ini boleh Emailkan jihadniaga@yahoo.com atau Telefon : 013 222 7600 Amirruddin
Akhirkata Setiap Yang Baik Dari ALLAH SWT, dan Yang buruk itu datang dari diri saya yang lemah lagi hina, Saya Minta Maaf sekiranya ada terkasar bahasa atau tersalah fakta
SEMOGA ALLAH BERSAMA ANDA
WASSALAM
Assalamualaikum,
Masanya dah tiba kepada semua Umat Islam Yang Beriman, Umat Islam yang Cintakan Islam Umat Islam yang Mencintai ALLAH, Umat Islam yang Mencintai Rasullullah kita mulakan kembali Sistem Ekonomi Rasullullah SAW yang telah lama kita tinggalkan,
Memandangkan keadaan ekonomi Umat Islam yang lemah, Umat Islam perlu Menjana Ekonomi Umat Islam mengikut contoh Ekonomi Islam Zaman Rasullullah SAW, Sistem Ekonomi Islam seperti Zaman Rasullullah SAW perlu di jalankan supaya Umat Islam kembali menerajui Ekonomi,
Oleh itu saya ingin mengajak Anda Semua Saudara Saya Seagama membina kembali Sistem Ekonomi Islam cara Rasullullah SAW dan Mengajak Semua Saudara Seagama Islam yang Beriman dan Mencintai Islam supaya menyertainya Bersama-sama bergandingan bekerjasama memajukan Ekonomi Islam
Sistem Ekonomi Islam (cara Rasullullah SAW) dapat menghapuskan kemungkaran dan maksiat selain dapat menanggani berbagai gejala sosial dan akhlak seperti rasuah, kezaliman dan berbagai lagi masaalah yang menimpa umat Manusia kini
Sistem Ekonomi Islam bukan memberi faedah pada Umat Islam sahaja malah Sistem Ekonomi Islam memberi faedah kepada Semua Umat Manusia serta Semua Makhluk ALLAH SWT, Sistem Ekonomi Islam ialah Muamalah Terbaik kepada Manusia dan Seluruh isi Dunia
Sedikit Fakta Mengenai Sistem Ekonomi Islam
Ringkasnya Sistem Ekonomi Islam ialah berdasarkan “PERKONGSIAN”, Dimana Manusia dan seluruh Makhluk Berkongsi TUHAN yang SATU ALLAH SWT, Umat Islam pula Berkongsi Raullullah SAW yang sama, Berkongsi Kitab Suci Al Quran yang sama, Kiblat yang sama, Berkongsi Agama yang sama iaitu ISLAM,
Sistem Ekonomi yang dibuat Rasullullah SAW (Sistem Ekonomi Islam) ialah permulaan kepada Tamadun Ekonomi Manusia, Sistem Ekonomi yang lengkap dan teratur membawa Perpaduan Umat Islam serta Menjana Kemajuan,
Namun ianya telah dilupakan oleh Umat Islam zaman ini, menyebabkan bukan Islam telahpun memanopolikan ekonomi dunia terutama yahudi dan nasrani, dengan menambah beberapa perkara seperti riba dan penipuan pada masa yang sama Umat Islam yang semakin melupakan Sistem Ekonomi Rasullullah SAW telah ketinggalan yang amat jauh
Persoalannya sampai bilakah Umat Islam mahu terus melupakan Sistem Ekonomi yang pernah Memajukan Islam ke tahap Maksimum ?
Sistem Ekonomi Islam ini MEMULAKAN KEMBALI Sistem Ekonomi Islam Zaman Rasullullah SAW 1400 tahun yang lampau, Sistem Rasullullah SAW yang terbukti paling berjaya, Sistem Ekonomi yang paling berkemampuan membawa Umat Islam kembali ke Mercu Kegemilangan, Sistem Ekonomi Islam yang Menggabungkan Seluruh Kekuatan Minda, Ilmu, Tenaga dan Harta Umat Islam untuk Memajukan Umat Islam
Banyak masaalah yang di hadapi Umat Islam dapat di selesaikan, pada ketika Umat Islam di pecah belahkan oleh berbagai Bangsa, Negara, Bahasa, Warna Kulit, Parti, Jamaah dan sebagainya Sistem Ekonomi Islam dapat Menyatukan kembali Umat Islam kerana Sistem Ekonomi Islam Terbuka untuk Semua Umat Islam Yang Beriman, Yang Cintakan Islam, yang sanggup Berjihad, Sistem Ekonomi Islam yang tidak terbatas kepada Bangsa, Negara, Bangsa dan Kedudukan, Baik Melayu, Cina, India, Arab atau apa Bangsa sekalipun dapat menyertai Sistem Ekonomi Islam, dari berbagai Negara mahupun Bahasa yang di gunakan,
Dunia Ekonomi Islam tanpa Sempadan tanpa mengira daripada mana-mana Negara sekalipun dapat menyertai Sistem Ekonomi Islam, halangan kepada Umat Islam yang Beriman hanya timbul dari diri sendiri hasutan Nafsu, hasutan syaitan, tipudaya dunia dan hasutan manusia yang memusuhi Islam yang bersifat dengki dan tamak sahaja, tiada batasan untuk Umat Islam Yang Beriman dan Cintakan Islam untuk Maju dan Perjuangkan Islam (Jihad Pada Jalan ALLAH SWT) melalui Jalan Ekonomi dan Perang
Bermula Sejarah Penghijrahan Penduduk Makkah (Muhajirin) ke Madinah, Penduduk Madinah Auz dan Khazraj yang di satukan Rasullullah SAW (Ansar) telah menunjukkan Teladan yang Terbaik, Kaum Ansar sanggup memberikan Kebun-kebun mereka kepada Kaum Muhajirin, atas Semangat Persaudaraan yang amat kukuh dan Cintakan Islam Sistem Ekonomi Islam di jayakan, Sikap Saling bantu-membantu Sesama Islam Kerana Sayangkan Islam dan Cintakan ALLAH SWT menjadikan Sistem Ekonomi Islam begitu kukuh dan kuat sehingga mengalahkan dan menjatuhkan ekonomi yahudi yang sebelumnya Menguasai ekonomi di Madinah
1400 tahun hijrah yang lampau keadaan Umat Islam zaman Rasullullah SAW terdiri daripada berbagai keadaan ekonomi ada yang kaya, yang sederhana dan yang miskin lebih ramai malah terdapat juga Umat Islam yang menjadi Hamba, Kejayaan Sistem Ekonomi Islam Rasullullah SAW dan Para Sahabat RA dapat di lihat dimana tiada lagi Umat Islam yang menjadi Hamba dan Miskin, Perigi Saidina Uthman RA di Madinah adalah satu bukti Pengorbanan Seorang Sahabat RA yang “melabur” Membelanjakan Hartanya pada Jalan ALLAH SWT dengan membeli salah satu perigi daripada 2 perigi di Madinah daripada yahudi serta mewakafkan kepada Umat Islam dan Masyarakat,
Perlantikan “Tokoh Korporat” seperti Saidina Abdul Rahman Auf RA yang mengetuai “Angkatan Perdagangan” yang berurusan Mengekspot barangan Umat Islam ke luar Madinah adalah satu lagi contoh Pembangunan Ekonomi Islam Zaman Rasullullah SAW
Inilah yang perlu kita Umat Islam lakukan bagi Membangunkan kembali Ekonomi Islam cara Rasullullah SAW yang telah di lupakan, memandangkan Ekonomi dunia yang kembali di kuasai yahudi sementara ekonomi di Malaysia yang di dominasi oleh bukan Islam, Oleh itu Kita Umat Islam hanya perlu Menjana Kembali Sistem Ekonomi Islam, Umat Islam perlu mengubah Minda seperti Minda Umat Islam 1400 tahun hijrah yang lampau, Kita perlu jadi Umat Islam Bersaudara yang Saling Bantu Membantu dalam semua segi
Sistem Ekonomi Islam di yakini mampu untuk mengubah Minda Umat Islam menjadi sepertimana Minda Umat Islam yang Terbaik seperti Umat Islam Zaman Rasullullah SAW, Para Sahabat dan Para Tabiin, dengan adanya Sistem Ekonomi Islam akan melahirkan Umat Islam berminda kelas pertama seperti zaman Rasullullah SAW dan Sahabat RA, Umat Islam yang Beriman akan bersatu di dalam Angkatan Perdagangan yang kuat yang akan kembali menguasai ekonomi di serata tempat, Umat Islam akan beroleh Keuntungan dunia dan Akhirat sekaligus, paling utama Umat Islam akan kembali Bersaudara kasih mengasihi sesama Islam dan Dasar “Sahabat” akan di mulakan kembali,
Sistem Ekonomi Islam ialah Jihad kecil sebagai persediaan dan kayu pengukur kepada Jihad besar iaitu Berperang Pada Jalan ALLAH SWT, Jihad kecil yang dapat melatih Umat Islam bersedia untuk Jihad Besar, disebabkan Umat Islam sekarang semakin lemah untuk Berjihad, Kekuatan Islam perlu di pulihkan dengan memulihkan Ekonomi Islam, Kekuatan ekonomi di Zaman Rasullullah SAW sehingga zaman kegemilangan Islam telah menyebar luaskan Syiar Islam ke serata pelusuk dunia, sudahkah kita Umat Islam Nusantara Asia lupa bahawa Syiar Islam tersebar kesini melalui Perdagangan?
Sistem Ekonomi Islam ini di wujudkan bertujuan untuk Menyatu-padukan Umat Islam dari sudut Ekonomi atau Muamalah, selain itu Sistem Ekonomi Islam di adakan supaya Umat Islam mendapat Yang Halal Dan Berkat, dengan itu Umat Islam akan lebih Berkasih Sayang Sesama Islam di samping Semangat Tolong Menolong dalam Semua Urusan Duniawi dan Akhirat, Dengan adanya Sistem Ekonomi Islam Kita Umat Islam bukan sahaja dapat Memperkukuhkan Ekonomi Islam tetapi dapat Mempertingkat Ekonomi Diri kita dan Saudara Seagama sesama kita, malah melalui Sistem Ekonomi Islam juga dapat Membangunkan Teknologi Islam Berdasarkan Kitab Al Quran dan Sunnah dan Hadis Nabi SAW
Sistem Ekonomi Islam bukanlah satu bentuk Perniagaan yang baru, Sistem Ekonomi Islam di jalankan dengan Menghimpunkan dan Menyatukan Syarikat-syarikat dan Perniagaan milik Umat Islam dan juga Menghimpunkan dan Menyatukan Ilmu dan Kemahiran Umat Islam, Sistem Ekonomi Islam masih mengekal bentuk perniagaan yang sedia ada yang menepati Syarak, Sistem Ekonomi Islam hanya bertujuan untuk Menghimpunkan Umat Islam untuk di Satukan menjadikan Umat Islam Kuat serta Mengembalikan Persaudaraan Sesama Islam sebagaimana yang telah di buat oleh Rasullullah SAW, dalam ertikata lain untuk Mengembalikan Sunnah Rasullullah SAW,
Selain itu melalui Sistem Ekonomi Islam Umat Islam dapat Meneroka bidang Perniagaan baru yang lebih moden seperti membina kapalterbang dan lain-lain lagi yang belum pernah di terokai oleh Umat Islam, Sistem Ekonomi Islam ialah untuk Mencari Keberkatan bukannya keuntungan Dunia semata-mata, Keberkatan adalah nikmat yang di beri ALLAH SWT di atas dunia dan memberi pertolongan di akhirat kelak
Sistem Ekonomi Islam juga Bertujuan untuk Mengembalikan Kekuatan Umat Islam dari sudut Ekonomi dan Perpaduan serta Pengorbanan dan Perjuangan, Semangat Sayangkan Islam dan Mencintai Islam perlu di pupuk kembali, Umat Islam perlu bangkit membina kembali Kekuatan Ekonomi Islam yang hampir musnah, Sesuatu tugas yang sukar tetapi Perlu di lakukan Kerana ALLAH SWT
Sistem Ekonomi Islam ini bukanlah baru di reka mahupun idea baru, Sistem Ekonomi Islam ini ialah “Mengulang Kembali” apa yang telah di lakukan Rasullullah SAW dan Para Sahabat RA 1400 tahun Hijrah yang lepas, Sistem Ekonomi Islam ini mahu di buat berdasarkan Hadis Rasullullah SAW
Daripada Abu Hurairah r.a. berkata: Bersabda Rasulullah saw, "Islam mula tersebar dalam keadaan dagang (asing). Dan ia akan kembali asing pula. Maka beruntunglah orang orang yang asing".
H.R. Muslim
Berdasarkan Hadis Rasullullah SAW ini Umat Islam Yang Beriman perlu kembali “berdagang” sepertimana Zaman Rasullullah SAW, Selain itu berdagang juga adalah salah satu cara Umat Islam Yang Beriman Berdakwah menunjukkan kepada bukan Islam Perpaduan Umat Islam yang menjadi contoh Terbaik, malangnya Umat Islam telah meninggalkannya sebaliknya kini Budaya Islam ini di ikuti oleh bukan Islam contohnya Kaum Cina di Malaysia yang menguasai ekonomi Malaysia bagi memantapkan Sistem Ekonomi mereka
Berdasarkan Panduan di dalam Kitab Suci Al Quran Surah Al Anfal Ayat 73
Dan orang-orang yang kafir, setengahnya menjadi penyokong dan pembela bagi setengahnya yang lain. Jika kamu (wahai umat Islam) tidak menjalankan (dasar bantu-membantu sesama sendiri yang diperintahkan oleh Allah) itu, nescaya akan berlakulah fitnah (kekacauan) di muka bumi dan kerosakan yang besar.
Nyatalah Umat Islam sedang melalui zaman kemelesetan ekonomi kerana tidak menjalankan dasar saling bantu membantu sehingga Ekonomi kita di jajah oleh bukan Islam, akibatnya terdapat Umat Islam yang hidup teramat miskin dan terdapat juga Umat Islam yang menjadi “hamba” (mengikut istilah moden) kepada bukan Islam, perkara ini tak patut menimpa Umat Islam sekiranya Kita Umat Islam saling Bantu-Membantu dalam menjalankan urusan Duniawi
Sistem Ekonomi Islam amat memerlukan Umat Islam yang mahu Bantu Membantu Sesama Islam bagi Menguasai Ekonomi yang di dominasi oleh bukan Islam sepertimana di terangkan di dalam Kitab Suci Al Quran Surah Al Anfal 73, Sistem Ekonomi Islam ialah Umum dimana ia melibatkan semua Umat Islam Bersama-sama Bersatu padu dalam menempuh sebarang kesusahan atau menikmati kesenangan, sebab itulah Sistem Ekonomi Islam di yakini Mampu menjadikan Umat Islam bersatu-padu kasih mengasihi Sesama Islam seperti Umat Islam Zaman Rasullullah SAW
Semua Umat Islam boleh menyertai Sistem Ekonomi Islam ini, tak kira apa jua Bangsa, Negara, Bahasa, Jantina dan Usia, tiada sebarang halangan untuk Umat Islam untuk menyertai Sistem Ekonomi Islam dan Tiada PAKSAAN kepada Umat Islam untuk menyertainya, Sistem Ekonomi Islam ini KHUSUS untuk Umat Islam yang Beriman yang Cintakan Islam dan Ikhlas, Sistem Ekonomi Islam ini ialah Dasar Perkongsian Ekonomi dalam Kehidupan dimana Umat Islam Yang Beriman sudah pasti mengetahui bahawa Kita Berkongsi TUHAN yang SATU, Berkongsi Nabi SAW yang Sama, Berkongsi Agama Yang Sama Islam dan Berkongsi Hidup di atas Dunia(Bumi) yang Sama, Selain kita akan di himpun bersama di Akhirat kelak
Cara Sistem Ekonomi Islam Di Jalankan
Sistem Ekonomi Islam ini akan di jalankan Berdasarkan Panduan daripada Kitab Suci Al Quran Surah Al Anfal Ayat 7
Dan (ingatlah) ketika Allah menjanjikan kepada kamu salah satu dari dua angkatan, menjadi untuk kamu (menghadapinya), sedang kamu suka kiranya (angkatan perniagaan) bukan angkatan (perang) yang mempunyai kekuatan itu yang dijadikan untuk kamu (menghadapinya). Padahal Allah menghendaki untuk menetapkan yang benar (ugama Islam) dengan Kalimah-kalimahNya, dan untuk membinasakan kaum yang kafir seluruhnya;
Umat Islam Yang Beriman sudah Pasti Menyedari dan Merasai bahawa kita Umat Islam telahpun “Kehilangan” kedua-dua Angkatan sebagaimana maksud yang tersebut di dalam Kitab Suci Al Quran Surah Al Anfal Ayat 7, Kedua-dua Angkatan ini sudahpun Pupus di telan Zaman tanpa kita Umat Islam menyedarinya, Dengan itu adalah menjadi Tugas Kita sebagai Umat Islam untuk Memulakan Kembali apa yang telah di lakukan Rasullullah SAW (Sunnah) 1400 tahun hijrah yang lampau
Sistem Ekonomi Islam ialah Menubuhkan Kembali “Angkatan Perniagaan” untuk Perjuangan Islam di waktu Aman, Sistem Ekonomi Islam juga berfungsi Mengembalikan “Kebolehan” Umat Islam dalam kehidupan Dunia mahupun Akhirat, Umat Islam mempunyai Kebolehan yang amat Tinggi Kerana di Bantu oleh ALLAH SWT, dengan adanya Sistem Ekonomi Islam atau “Angkatan Perniagaan” ini Umat Islam dapat Berjuang dari Sudut Ekonomi dan Perang yang Sebenar, Inilah Kehebatan Umat Islam apabila Bersatu di mana Kebolehan/Kemahiran yang ada pada Umat Islam di kumpulkan Umat Islam dapat Menguasai apa sahaja Kerana Di bantu ALLAH SWT biarpun jumlah Umat Islam sedikit
Dengan itu Umat Islam Yang Beriman perlu di kumpulkan seramai mungkin, Umat Islam yang Sayangkan Islam di seru menyertai Sistem ini, Semua Umat Islam terutama Yang Beriman di Jemput dan Di Raikan menyertai Sistem Ekonomi Islam, Sokongan daripada Umat Islam amat di perlukan terutama Doa-doa daripada Saudara Seagama supaya “Angkatan Perdagangan” (Sistem Ekonomi Islam) dapat di jalankan dan Berjaya
Umat Islam Yang Beriman boleh menyertai Angkatan Perdagangan ini melalui Pinjaman atau Pelaburan
Pinjaman
Pinjaman yang di maksudkan bukanlah pinjaman daripada Bank dan Institusi Kewangan, Pinjaman dari Institusi Kewangan contohnya Bank tidak praktikal kerana ia tidak dapat menghimpunkan Umat Islam dalam Sistem Ekonomi Islam, Pinjaman dari Institusi Kewangan lebih bersifat peribadi,
Pinjaman yang di maksudkan ialah Pinjaman daripada Umat Islam yang sudi meminjamkan harta miliknya Kerana ALLAH SWT sepertimana di dalam Kitab Suci Al Quran Surah Al Baqarah Ayat 245, Surah Al Maidah Ayat 12, Surah Al Hadiid Ayat 11 dan 18, Surah Al Taghaabun Ayat 17 dan Surah Al Muzammil Ayat 20
Contoh “Pinjaman” yang di maksudkan ialah
1. Adalah penting untuk Kita Umat Islam Mengumpulkan dan Menyatukan Perniagaan dan Syarikat yang di miliki Umat Islam untuk dijadikan Sebuah Angkatan, daripada sekecil-kecil perniagaan Umat Islam sehinggalah syarikat perniagaan yang besar sekiranya di satukan akan menjadi lebih besar dan kukuh, Oleh itu Tuanpunya Syarikat dan Perniagaan Islam boleh Berkorban dengan “Meminjamkan” Syarikat atau Perniagaan Mereka Bergabung di dalam Angkatan Perdagangan Islam
2. Keseluruhan Umat Islam juga boleh “Pinjamkan” samaada Ilmu, Harta, Wang ringgit, Tenaga, dan Masa dalam Angkatan Perdagangan Islam ini, malah Umat Islam dapat meminjamkan apa saja kepada Angkatan Perdagangan Islam
Umat Islam yang mempunyai Ilmu “Kemahiran” dalam segenap bidang boleh juga Pinjamkannya kepada Angkatan Perdagangan Islam, Contohnya Umat Islam yang mempunyai Kemahiran dalam bidang Mekanik Kenderaan dan IT dapat meminjamkan Ilmu mereka dengan menyubang Ilmu mereka kepada Angkatan Perdagangan Islam, Doktor-doktor dan Jururawat serta Ahli Perubatan Tradisional juga boleh menyumbangkan Ilmu mereka di dalam Angkatan Perdagangan Islam, Kesimpulannya segala Ilmu yang di miliki oleh Umat Islam akan di gabungkan untuk Memajukan Islam, Ilmu Umat Islam yang Berharga ini akan di “Bayar” oleh ALLAH SWT sekiranya Umat Islam sanggup meminjamkannya Kerana ALLAH SWT
Umat Islam yang mempunyai Harta seperti tanah dan bangunan atau kenderaan dapat meminjamkannya kepada Angkatan Perdagangan Islam, Adalah di alu-alukan Umat Islam yang mempunyai Tanah-tanah Terbiar supaya meminjamkannya kepada Angkatan Perdagangan Islam untuk di usahakan, Umat Islam yang mempunyai lebihan Kenderaan juga boleh meminjamkannya kepada Angkatan Perdagangan Islam, Umat Islam juga boleh Meminjamkan SAHAM yang mereka miliki kepada Angkatan Perdagangan Islam supaya Saham-saham ini dapat dikumpulkan dan dengan jumlah Majoriti Saham ini akan membolehkan Angkatan Perdagangan Islam Menguasai Syarikat-syarikat Besar contohnya Tenaga Nasional dan Telekom Malaysia, Proton dan lain-lain lagi, Sebagai contoh Umat Islam yang menjadi kakitangan Tenaga Nasional boleh Meminjamkan Saham mereka kepada Angkatan Perdagangan Islam
Umat Islam juga boleh meminjamkan Wang Ringgit mereka untuk Memajukan Sistem Ekonomi Islam, berlawanan dengan Arus kehidupan sekarang selalunya Umat Islam yang akan meminjam tetapi untuk Angkatan Perdagangan ini Umat Islam pula yang akan memberi Pinjaman
Tenaga dan Masa yang di Pinjamkan ialah Usaha daripada Umat Islam untuk menjayakan Angkatan Perdagangan Islam ini, Tenaga dan Masa Umat Islam untuk “Marketing” dan mengajak Umat Islam lain menyertai Angkatan Perdagangan Islam dan sebagainya
Pelaburan
Angkatan Perdagangan Islam ialah penyelesaian kepada Masaalah Umat Islam masa kini, dimana Umat Islam masa kini masih lagi tidak mempunyai ruang untuk benar-benar Melabur dengan Sistem Ekonomi Islam, dengan adanya Angkatan Perdagangan Islam yang di Perkukuhkan oleh Umat Islam sendiri Umat Islam boleh melabur di dalam Angkatan Perdagangan Islam yang tiada Syak dari sudut Islam, Pelaburan yang tidak menetapkan jumlah dan keuntungan yang di kongsi Sesama Umat Islam
Memandangkan keadaan semasa dimana ramai Umat Islam melalui satu ujian getir iaitu “Pelaburan Internet” dan MLM yang menjadi topik perbualan hangat baru-baru ini, kita tidak tahu berapa ramai Umat Islam yang mengalami kerugian atau mendapat keuntungan, pada masa yang sama kita juga tidak tahu berapa banyak keuntungan yang berjaya di dapati oleh bukan Islam, begitu juga apabila harga barangan runcit naik sebelum gaji Kakitangan Awam naik, ini menjadikan tekanan ekonomi yang menimpa Umat Islam lebih parah, Puncanya hanyalah di sebabkan tiadanya Sistem Ekonomi Islam yang menjadi Pusat Ekonomi Umat Islam
Adalah menyedihkan apabila melihat Umat Islam tertekan dari sudut Ekonomi, Oleh itu adalah lebih baik sekiranya Umat Islam dapat Melabur di dalam Angkatan Perdagangan Islam (Sistem Ekonomi Islam) berdasarkan Panduan Kitab Suci Al Quran Surah Al Hadiid Ayat 10
Pelaburan juga bermakna Umat Islam perlu “Membelanjakan” Hartanya pada Jalan ALLAH dan “Sumbangan” atau “Derma” Umat Islam kepada Islam, sepertimana Petunjuk yang terdapat di dalam Kitab Suci Al Quran Surah Al Baqarah Ayat 261, 262, 265 dan 274, juga Surah AT Taubah Ayat 121 dan Surah Al Hadiid Ayat 7, dimana Umat Islam di Perintahkan supaya Membelanjakan Harta Pada jalan ALLAH
Pelaburan kedalam Angkatan Perdagangan Islam juga berkonsepkan Hadis Rasullullah SAW yang Bermaksud 9/10 daripada sumber rezeki ialah berpunca daripada Perniagaan, Dalam keadaan sekarang dimana ramai Umat Islam yang bekerja samaada Bekerja Kerajaan atau Swasta seperti kerjaya sebagai Polis dan Tentera dan Bomba (sektor Kerajaan Beruniform) ataupun Kerja Kilang (Swasta), sudah pasti Umat Islam yang Bekerja Kerajaan atau Swasta ini terikat dengan undang-undang samaada tidak dibenarkan berniaga dan lain-lain lagi, dengan adanya Sistem Ekonomi Islam mengikut Contoh (Sunnah) Rasullullah SAW, Umat Islam dapat merebut Peluang untuk Berniaga Pada Jalan ALLAH SWT dan 9/10 sumber rezeki bersama-sama dengan Umat Islam yang lain
Kesimpulan
Umat Islam hanya mempunyai Satu Jalan sahaja untuk maju dalam kehidupan Dunia dan Akhirat iaitu jalan Sunnah yang telah di tunjukkan Rasullullah SAW, Umat Islam mempunyai berbagai Kemahiran yang sekiranya dapat dikumpulkan menjadi satu sudah pasti Umat Islam akan dapat meningkatkan Teknologi yang lebih moden dan Menguasai Bidang Ekonomi sama seperti Umat Islam Zaman Rasullullah SAW, Umat Islam telah terlatih untuk melakukan Dakwah iaitu Pemasaran atau “Marketing” yang Cekap, Umat Islam sendiri telah terlatih untuk memberikan Perkhidmatan Terbaik dan Menghasilkan dan Menjual Barangan yang Halal, Terbaik dan Sudah pasti membawa dan memberi KEBERKATAN kepada Penjual dan Pembeli dan Pengguna, Umat Islam bukan sahaja dapat Memberi Kebaikan kepada Umat Islam sahaja malah Umat Islam dapat membawa Kebaikan kepada keseluruhan Manusia dan Makhluk ALLAH SWT diatas Muka Bumi ini
Sekiranya Rancangan ini berjaya Umat Islam bakal menikmati Satu Rangkaian Perniagaan yang cukup besar dan lengkap contohnya rangkaian Kedai Runcit Islam yang terdapat di seluruh dunia dan Pasaraya-pasaraya Besar dan rangkaian Kontraktor Islam yang Terbesar dan Termoden dan Rangkaian Perladangan Penternakan yang Terbesar dan Rangkaian Syarikat IT yang Besar dan bermacam-macam lagi Kemudahan
Melaksana Sistem Ekonomi Islam adalah Tugas Berat yang perlu di lakukan oleh Umat Islam yang Cintakan Islam, Yang Sayangkan Islam juga pada yang Ingin Berjihad Pada Jalan ALLAH SWT ini ialah medan yang akan menguji Kemampuan kita dalam menempuh Cabaran dalam Kehidupan Dunia yang sementara sebelum menempuh Alam Akhirat yang kekal, Seperti biasa kepada Semua Lelaki Islam, Para Mukmin sekelian Tanggungjawap Kita untuk Bersahabat dan Berjihad Pada Jalan ALLAH amatlah diperlukan dan kepada Semua Wanita Solehah Para Mukminat Sekelian contohilah Ummu Mukminin Saidatina Khadijah RA, Tumpukan pada Pembangunan Islam yang menjamin Kehidupan Dunia dan Akhirat
Sistem ini masih dalam Percubaan di dunia “Siber”, Percubaan di dunia luar telah banyak kali menemui kegagalan di sebabkan terdapat beberapa masaalah teknikal yang tidak dapat di elakkan, dengan Bantuan daripada Setiap Mukmin dan Mukminat yang Sayangkan Islam, Mencintai ALLAH SWT dan RasulNYA Insyaallah masaalah teknikal ini dapat di selesaikan,
Pada masa kini hanya kajian sahaja yang di jalankan tiada sebarang bayaran atau kutipan yang akan di kenakan, usaha di lakukan untuk mengumpul sebanyak mungkin Umat Islam Yang Beriman bagi menjayakan rancangan ini, sebarang kutipan dan pembayaran akan di beritahu kelak setelah mendapat persetujuan daripada Anda Semua Umat Islam yang Beriman yang menyertai rancangan ini, Tiada Paksaan untuk menyertai Rancangan ini
Kepada Mukmin dan Mukminat yang mempunyai Syarikat Perniagaan mahupun Firma-firma perunding (Guaman, Akaun, dan sebagainya) yang ingin menyertai, Sertakan
Nama Syarikat :
Bidang Perniagaan :
Alamat :
No Telefon:
emailkan kepada: usahawan_berkat@yahoo.com
Kepada yang berminat untuk menyertai dalam bentuk Pelaburan dan Pinjaman sertakan Nama :
Jumlah Pelaburan :
Alamat:
No. Telefon
emailkan kepada : usahawanberkat_pelaburan@yahoo.com
Kepada yang berminat menyertai dalam bentuk Pinjaman sertakan
Nama :
Bentuk Pinjaman : contoh Wang, Saham, Aset seperti Tanah mahupun Rumah
Alamat :
No. Telefon :
emailkan kepada : usahawanberkat_pinjaman@yahoo.com
Kepada Umat Islam Yang Beriman yang berminat menyertai tetapi tidak berkemampuan (tidak mempunyai syarikat, menyertai skim Pinjaman dan Pelaburan) beleh sertai juga dengan menyumbangkan Tenaga dan Minda Anda sertakan
Nama :
Alamat :
No Telefon :
Emailkan kepada : usahawanberkat_minda@yahoo.com
Bagi mengelakkan sebarang bentuk penipuan dan kesalahan serta kesilapan Cadangan daripada Semua Mukmin dan Mukminat amatlah di alu-alukan, Sebarang Pertanyaan dan Pandangan ataupun mempunyai sebarang Idea mengenai Sistem Ekonomi Islam ini boleh Emailkan jihadniaga@yahoo.com atau Telefon : 013 222 7600 Amirruddin
Akhirkata Setiap Yang Baik Dari ALLAH SWT, dan Yang buruk itu datang dari diri saya yang lemah lagi hina, Saya Minta Maaf sekiranya ada terkasar bahasa atau tersalah fakta
SEMOGA ALLAH BERSAMA ANDA
WASSALAM
Sunday, July 6, 2008
'Credit card charges too hefty'
2008/07/06
'Credit card charges too hefty'
By : Veena Babulal
Email to friend Print article
IPOH: Ten days after the announcement of talks to resolve the issue of credit card charges, petrol station operators are still waiting for the good news.
"Many people are using credit cards, and it's becoming increasingly hard for petrol dealers to pay the credit card charges," said Perak Petrol Dealers' Association president Ng Bee Keong.
While operators benefited from the increased commission rates for petrol and diesel, the savings could not cover fees charged by credit card companies, he said at the association's annual general meeting here yesterday.
On June 26, Domestic Trade and Consumer Affairs Minister Datuk Shahrir Abdul Samad said that the ministry was in discussion with banks to reduce the one per cent charge for every transaction to 0.5 per cent, adding that matters were expected to be resolved by this week.
Currently, petrol dealers and fuel companies jointly pay credit card charges, ranging between 0.7 per cent and 1.2 per cent for every transaction.
Following the "cash only" advisory by Petroleum Dealers Association, which led to many stations refusing credit cards on June 24, the ministry announced an increase of commission rates from 9.5 sen to 12.19 sen per litre for petrol and 4.5 to seven sen per litre for diesel, effective June 25.
Shahrir also announced that petrol stations, except those along highways, would operate from 6am to midnight from July 1, and that dealers who preferred to be open round-the-clock could apply to do so.
'Credit card charges too hefty'
By : Veena Babulal
Email to friend Print article
IPOH: Ten days after the announcement of talks to resolve the issue of credit card charges, petrol station operators are still waiting for the good news.
"Many people are using credit cards, and it's becoming increasingly hard for petrol dealers to pay the credit card charges," said Perak Petrol Dealers' Association president Ng Bee Keong.
While operators benefited from the increased commission rates for petrol and diesel, the savings could not cover fees charged by credit card companies, he said at the association's annual general meeting here yesterday.
On June 26, Domestic Trade and Consumer Affairs Minister Datuk Shahrir Abdul Samad said that the ministry was in discussion with banks to reduce the one per cent charge for every transaction to 0.5 per cent, adding that matters were expected to be resolved by this week.
Currently, petrol dealers and fuel companies jointly pay credit card charges, ranging between 0.7 per cent and 1.2 per cent for every transaction.
Following the "cash only" advisory by Petroleum Dealers Association, which led to many stations refusing credit cards on June 24, the ministry announced an increase of commission rates from 9.5 sen to 12.19 sen per litre for petrol and 4.5 to seven sen per litre for diesel, effective June 25.
Shahrir also announced that petrol stations, except those along highways, would operate from 6am to midnight from July 1, and that dealers who preferred to be open round-the-clock could apply to do so.
Friday, July 4, 2008
Taiwan group keen to invest RM1.4bil in halal park
Saturday July 5, 2008
Taiwan group keen to invest RM1.4bil in halal park
SARIKEI: A Taiwanese group is keen to invest RM1.4bil in organic farming and food processing activities in the Tanjung Manis Halal Food Park near here.
Sarawak Timber Industry Development Corp (STIDC) chairman Datuk Seri Awang Tengah Ali Hassan said the group was one of the four investors who had indicated their interest in the park, which was one of the four designated halal parks in the country.
Tanjung Manis, a new self-contained timber industry based township in the state central region, is managed by STIDC.
The other investors keen to invest in the park are Dubai World, an Arab group eyeing opportunities in port management services; the Khazanah group and a Japanese/Arab group keen to develop golf and resort facilities and high-end housing, Awang Tengah told Bernama in an interview.
“The Khazanah group is setting its sight on developing a 1,000ha site for herbal and fruit plantations,” he said.
Elaborating on the Taiwanese group, Awang Tengah, who is also Second Planning and Resources Management Minister, said they had asked for a 2,500 ha site for their activities.
Datuk Seri Awang Tengah
“They are more into bio-tech prawn farming, eel and marine fish farming, chicken and egg production and health food production,” he said.
Meanwhile, he said the Government would spend RM4.9bil to develop the 9,000ha park.
He said a bulk of the expenditure – RM4.1bil – would go to preparatory work, RM376mil for its infrastructure development while electricity and communication facilities development would cost RM268mil.
When it is ready in 2012, the park will be the biggest of the four halal parks in the country.
“The new development will transform its image from originally a timber based industrial town into a hi-tech food production area,” he said.
Awang Tengah also said a RM360mil fisheries port, a RM100mil oil palm refinery complex and a RM150mil central oil distribution terminal would be three other mega projects in the area.
He said Tanjung Manis too would also house its share of the shipbuilding industry in the state with a site of 142 ha designated for it.
He said a local company had been tasked with developing its RM50mil ship repairing and building industrial zone, which would cater mainly to ocean going ships and vessels.–Bernama
Taiwan group keen to invest RM1.4bil in halal park
SARIKEI: A Taiwanese group is keen to invest RM1.4bil in organic farming and food processing activities in the Tanjung Manis Halal Food Park near here.
Sarawak Timber Industry Development Corp (STIDC) chairman Datuk Seri Awang Tengah Ali Hassan said the group was one of the four investors who had indicated their interest in the park, which was one of the four designated halal parks in the country.
Tanjung Manis, a new self-contained timber industry based township in the state central region, is managed by STIDC.
The other investors keen to invest in the park are Dubai World, an Arab group eyeing opportunities in port management services; the Khazanah group and a Japanese/Arab group keen to develop golf and resort facilities and high-end housing, Awang Tengah told Bernama in an interview.
“The Khazanah group is setting its sight on developing a 1,000ha site for herbal and fruit plantations,” he said.
Elaborating on the Taiwanese group, Awang Tengah, who is also Second Planning and Resources Management Minister, said they had asked for a 2,500 ha site for their activities.
Datuk Seri Awang Tengah
“They are more into bio-tech prawn farming, eel and marine fish farming, chicken and egg production and health food production,” he said.
Meanwhile, he said the Government would spend RM4.9bil to develop the 9,000ha park.
He said a bulk of the expenditure – RM4.1bil – would go to preparatory work, RM376mil for its infrastructure development while electricity and communication facilities development would cost RM268mil.
When it is ready in 2012, the park will be the biggest of the four halal parks in the country.
“The new development will transform its image from originally a timber based industrial town into a hi-tech food production area,” he said.
Awang Tengah also said a RM360mil fisheries port, a RM100mil oil palm refinery complex and a RM150mil central oil distribution terminal would be three other mega projects in the area.
He said Tanjung Manis too would also house its share of the shipbuilding industry in the state with a site of 142 ha designated for it.
He said a local company had been tasked with developing its RM50mil ship repairing and building industrial zone, which would cater mainly to ocean going ships and vessels.–Bernama
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