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Sunday, June 22, 2008
Start something full of promise but end in disappointment, failure and/or disaster
CAMPAIGN FOR THE INTRODUCTION OF A MALAYSIAN WORD
This SMS Campaign have been going for the last two months and it deserves our support. It reads:
There are possible plans underway to apply to the Oxford and Webster Dictionary to introduce a new word for their latest 2009 edition
.badawi (baa-daa-wee) v.t. To start something full of promise but end in disappointment, failure and/or disaster. eg. 1. I'm trusting you too perform this task well. Don't do a badawi, ok? 2. France badawied their Euro 2008 campaign. 3. England pre-badawied theirs, while Italy were guilty of over-badawification!
Certainly a useful word to describe a certain specific action. This is another accolade for Malaysia which no more seek to Boleh (Can do) but surprisingly is seeking to attain Cemerlang, Gemilang and Terbilang (Glorious, Outstanding and Distinction).
Husin see another derived word, badawilisation to describe the disillusion to start a new civilisation or religion but it is too confusing to be understood and although end up as failure and disappointment, still is being pursued. eg. Islam Hadhari.
Wow! Make more money selling people than camels ma ...
Posted at 07:15 pm by jombaca
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Sunday, June 15, 2008
Perbualan Dolah dan Najib yang hanya didengari Zubli Zainordin
Dolah: You ni tanya banyak kali. I fed up. You mai sat kita bincang dan tentukan.
Najib: Bukan I, orang lain desak.
Dolah: You tak usah dok dengaq depa tu. You mai laa, kita tentukan.
Najib: Okay...
Dolah: You tak sabaq dah ka?
Najib: I okay, bila-bila pun you suka, I terima.
Dolah: I ni bukannya nak jadi PM selama-lamanya. Bukan 22 tahun. I lain.
Najib: I faham...
Dolah: Tak kan lah I bodoh sampai tara tu.
Najib: Baiklah, bila?
Dolah: 2 PRU lagi...
Najib: (tercengang!)
Dolah: Awat, you tak suka ka?
Najib: Bukan, err, boleh diskaun tak?
Dolah: You cadang bila?
Najib: Sebelum Disember 2008?
Dolah: Mana boleh...tak dapat 2 per 3 majoriti pun I masih menang, semua orang masih sayangkan I. Apa I buat, rakyat suka.
Najib: Itu betul.
Dolah: Kalau betul, you tunggulah, bila I sebut tarikhnya, I bersara, you naiklah jadi PM pulak.
Najib: Bila?
Dolah: Nanti I umumlah.
Najib: Baiklah...
Dolah: Jadi boleh I kata, I telah mencapai permaufakatan di antara you dengan I.
Najib: Boleh, I tak akan lawan you. You kekallah PM selama yang you suka.
Dolah: Okay, kita akad noo...
Najib: Baiklah.
Ada versi lain ke?
Posted at 09:24 pm by jombaca
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Saturday, June 07, 2008
Datuks , Datuks everywhere ,
You'll find them in high society ,
You'll find them in Government Departments
You'll find them most amongst the politicians
You'll find them in Sungei Buluh Jail
You'll find them underneath trees
You'll find them on some road pavements , 
You'll find them on road junctions
If you throw a stone , you'll probably hit three on the head .
If you spit from some high building , chances are it will land on one of them
If you swear chances are you'll be refering to one of them .
If you shit probably it will land on one of their faces .
Some are not happy with just one Datuk , they will only be happy if they get three.
They come in all colours;
Datuk Puteh
Datuk Hitam
Datuk Hijau
Datuk Merah
Datuk Kunning
Datuk Rajah
etc etc etc
Source of photo ; Harakah daily net on line.
But most of all everyone becomes a Datuk when their children have offsprings
This category comes thru hard work , bringing them up ,
providing them with the right education , providing healthcare
providing them with all the necessities in life.
But the worst type of Datuks can only be found in the APAKENO putra / putri category
, they come cheap , very cheap , every APAKENO putra / putri who holds
even a very low position in APAKENO gets one automatically .
And then there is the one you can buy
on the shelf without contributing to society or whats not .
These Datuks are bought thru political parties by donating maybe 200k to Gelekan ,
your name will be on the list for a Batu Puteh Datuk ,
and so forth .
So friends take your pick .
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Posted at 03:48 am by jombaca
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Saturday, March 15, 2008
Pak Lah nak join Tok Samy nak jadik Jaga
Ade oghe bagi tau Dolah nak join Tok Samy nak jadik Jaga Tol kat LDP Puchong . Leh caye ke ? Sebab ape dia letak jawatan ? Sebab rakyat dak tak suke dier.
Vanakam , ayoyo SAMY ! Vanakam , ayoyo SAMY !
Posted at 11:09 pm by jombaca
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Friday, January 25, 2008
Ijazah palsu daripada universiti
Universiti angin
Oleh Ahmad Shahrul Nizam Muhammad
ahmadshahrul@hmetro.com.my
KUALA LUMPUR: Seorang ahli perniagaan rakyat Malaysia dipercayai mendalangi kewujudan sebuah 'universiti angin' yang tidak pernah wujud di United Kingdom dengan menawarkan ijazah pertama dan ijazah sarjana. 
Kegiatan terbabit didedahkan dalam laman web BBC News yang mendakwa 'universiti' berkenaan beroperasi tanpa sebarang tindakan selepas lebih tujuh tahun menawarkan pelbagai ijazah segera atau palsu kepada penuntut di seluruh dunia.
Malah, laporan itu turut mendedahkan, pengurusan universiti berkenaan mendakwa memiliki 5,000 penuntut di luar negara.
Ia mendakwa, walaupun universiti itu tidak pernah diiktiraf organisasinya, ratusan penuntut diberikan visa pendidikan memasuki Britain serta menduduki peperiksaan di kolej swasta di London.
Bagi meyakinkan keupayaan itu, pihak pengurusan universiti terbabit menggunakan kemudahan dan dewan untuk majlis penganugerahan ijazah di dua universiti terkenal iaitu Oxford dan Cambridge.
Laporan itu menyebut ahli perniagaan itu ialah Profesor Hardeep Singh Sandhu sebagai Presiden Eksekutif.
Ketika diminta mengulas pendedahan BBC itu, Setiausaha Parlimen Kementerian Pengajian Tinggi, Datuk Dr Adham Baba, tidak menolak kemungkinan ada pelajar Malaysia terjerat apabila memiliki ijazah palsu daripada universiti seperti itu, tetapi tidak dapat dikesan.
Katanya, sebahagian daripada lebih 30,000 universiti di seluruh dunia tidak pernah diiktiraf mana-mana pihak berkuasa dan mereka pastinya menggunakan pelbagai taktik bagi menarik penuntut baru.
"Tidak mustahil mereka memaparkan tawaran palsu selain kemudahan universiti yang tidak pernah wujud di laman web mereka dan akhirnya menarik ramai penuntut baru dari seluruh dunia.
"Penipuan ini memang berlaku dan tidak mustahil ada pelajar Malaysia yang turut memiliki ijazah segera atau palsu," katanya ketika dihubungi Harian Metro, semalam.
Dr Adham juga menyatakan mesyuarat kementeriannya baru-baru ini membincangkan status ijazah yang dikeluarkan sebuah universiti di luar negara yang tidak wujud.
Beliau berkata, siasatan awal Lembaga Kelayakan Malaysia (MQA) mendapati universiti berkenaan memang wujud pada nama saja atau dikenali sebagai 'universiti angin'.
Malah, katanya, MQA juga sedang mengenal pasti seorang lelaki mendakwa ahli perniagaan Malaysia yang dipercayai menjadi tenaga pengurusan tertinggi di universiti itu.
"Kita masih menyiasat pendedahan BBC News dan pembabitan ahli perniagaan rakyat Malaysia terbabit, tetapi tidak menolak kemungkinan ada pelajar Malaysia turut memiliki ijazah dari universiti tidak wujud itu," katanya.
Dr Adham berkata, memang sukar mengesan mereka yang memiliki ijazah palsu terutama jika tidak mendaftarkan diri bekerja di sektor kerajaan.
Menurutnya, pemilik ijazah palsu boleh dikesan melalui penelitian latar belakang dan kelayakan akademik ketika memohon bekerja di agensi tertentu.
"Sistem kita dapat mengesan pemegang ijazah palsu, bagaimanapun buat masa ini belum ada mereka yang dikesan memiliki ijazah berkenaan.
"Tetapi, kami tidak menolak kemungkinan ada pihak menggunakan ijazah itu untuk kepentingan perniagaan bagi meyakinkan pelanggan mengenai tahap akademik kepemimpinan syarikat," katanya yang percaya bagi tempoh jangka panjang, tindakan seperti itu akhirnya merugikan mereka sendiri.
Bagaimanapun, bagi menangani gejala itu, kata Setiausaha Parlimen itu, majikan yang berjaya mengesan penipuan pemohon kerja diminta membuat laporan polis bagi membolehkan tindakan sewajarnya diambil.
"Kita akan mengambil tindakan susulan terhadap pemilik ijazah palsu selain mengenal pasti universiti yang dikaitkan itu," katanya.
Difahamkan, menurut laporan BBC News itu lagi, sehingga kini, pengurusan universiti terbabit dikatakan bermain `tarik tali' apabila mendakwa kampus mereka ada di Dublin, Ireland, dan kerajaan negara itu membenarkan mereka menggunakan perkataan universiti.
Bagaimanapun, seorang pegawai Pihak Berkuasa Kelayakan Kebangsaan di Ireland, memberitahu penggunaan nama universiti itu perlu mendapatkan kebenaran Jabatan Pendidikan dan Sains, yang kemudian mendedahkan tidak pernah memberikan sebarang kelulusan.
Laporan itu kemudian mendapati alamat universiti itu yang diuar-uarkan di laman webnya tidak pernah wujud dan hanya ada peti surat semata-mata.
Harian Metro online 25/01/2008
Posted at 02:02 am by jombaca
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Saturday, September 08, 2007
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Russian mayor bans phrase 'I don't know'
By BAGILA BUKHARBAYEVA
Associated Press Writer
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MOSCOW - The mayor of a Siberian oil town has ordered his bureaucrats to stop using expressions such as "I don't know" and "I can't." Or look for another job.
Alexander Kuzmin, the 33-year-old mayor of Megion, has banned these and 25 other phrases as a way to make his administration more efficient, his spokeswoman said Tuesday.
"It's a suggestion to the staff that they should think before saying something," Oksana Shestakova said by telephone. "To say `I don't know' is the same as admitting your helplessness."
To reinforce the ban, a framed list of the banned expressions has been hanging on the wall next to Kuzmin's office for the past two weeks, Shestakova said.
Some of the other prohibited phrases are "What can we do?" "It's not my job," "It's impossible," "I'm having lunch," "There is no money," and "I was away/sick/on vacation."
Kuzmin, a businessman who was elected mayor 1 1/2 years ago, wants to "shake things up" in Megion, a town of 54,000 in the Khanty-Mansiisk region, the spokeswoman said.
The region, located some 1,500 miles northeast of Moscow, produces more oil than the rest of Russia combined. As world oil prices have risen sharply in recent years, the region has flourished, and in stark contrast to the rest of the country its population has grown at the rapid rate of more than 7 percent annually.
But construction has not kept pace, and the lack of adequate housing is one of the town's most serious problems, Shestakova said.
"Town authorities are there to make town residents' life comfortable and prosperous," Kuzmin, a trained oil engineer who studied business administration in Canada, said in a statement posted on the town Web site. "Town officials must work out mechanisms to solve and remove problems, not to avoid them."
Officials who disobey the ban while in the mayor's office "will near the moment of their departure," the statement said.
Providing the mayor with wrong or incomplete information, or being late in reporting important information will be considered an attempt to undermine his work, it said.
Anna Borovikova, the mayor's chief of staff, said the novel approach has improved discipline.
"Before, it was so easy to say `I don't know.' Now before reporting to the mayor we prepare several proposals on how one or another problem can be solved," Borovikova said.
At first it was hard to remember not to use the banned expressions, she said, and they " slipped in sometimes "
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Posted at 09:31 pm by jombaca
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Saturday, September 01, 2007
Bank Islam menindas rakyat
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01/09: Bank Islam menindas rakyat atas nama Islam
Tranugnkite
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Apabila sesuatu itu di buat atas nama Islam, ianya mistilah berasakan kesucian dengan berpandukan ajaran Rasul. Melebelkan nama Islam, sebenarnya merupakan satu tanggungjawab besar untuk melaksanakan amalan-amalan keislaman itu sendiri. Mengapakah bank itu dinamakan Bank Islam? Tidakkah Bank Islam terasa terpikul dengan nama Islam yang disandangnya. Melebel Islam tetapi tidak beridentitikan Islam adalah perbuatan yang 'meloyakan'.... 
Apabila sesuatu itu di buat atas nama Islam, ianya mistilah berasakan kesucian dengan berpandukan ajaran Rasul. Melebelkan nama Islam, sebenarnya merupakan satu tanggungjawab besar untuk melaksanakan amalan-amalan keislaman itu sendiri. Mengapakah bank itu dinamakan Bank Islam? Tidakkah Bank Islam terasa terpikul dengan nama Islam yang disandangnya. Melebel Islam tetapi tidak beridentitikan Islam adalah perbuatan yang 'meloyakan' . Kecualilah, 
orang-orang yang menubuhkannya mempunyai agenda bisnes untruk medominasi umat-umat Melayu supaya melunggukkan duit di situ kerana rata-rata orang Islam lebih mementingkan kesucian. Kita lihat sejauhmanakah perjalanan dan perlaksanaan sistem bank islam benar-benar islam? Apakan bezanya Bank Islam dengan bank-bank konvensional yang lain.? Mungkinkah dengan penukaran istilah dari istilah faedah kepada profit misalnya, menyebabkan ianya menjadi suci? Sejauhmana Bank Islam hanya berhujjah dangan isu BLR untuk memuliakan diri sendiri? Mungkinkah dengan ciri-ciri yang Bank Islam ada, menyebabkan ramai orang yang bukan islam tidak tertarik dengan Bank Islam. Mereka selalu berkata..' sama saja maaaa'
Source of photo ; Harakah daily net on line.
Kadang-kadang kita harus memahami apa sebenarnya maksud 'riba'. Oleh sebab itu, Bank Islam cuba untuk lari dari riba dangan menukar istilah iaitu dari feadah kepada profit. Atas istilah baru itu, apa sahaja bayaran yang lebih dikenakan bolehlah dihalalkan.Sedangkan maksud sebenar riba adalah lebihan atau tambahan (al-ziyadah) yang dikenakan ke atas pinjaman. Dan sebab utama riba (bayaran lebih) ini diharamkan adalah kerana Islam memandang ianya sebagai satu penganiayaan ke atas si peminjam, yang terpaksa menanggung jumlah bayaran balik yang jauh lebih tinggi dari apa yang dipinjamnya.
Sebagai contohnya, kalau dengan bank konvensional, pinjam RM100,000, bayar balik RM220,000, RM120,000 (bayaran lebih) itu adalah riba dan satu penganiayaan kepada si peminjam. Dengan Bank Islam pula, pinjam RM100,000, bayar balik RM250,000, bayaran lebih RM150,000 (jauh lebih tinggi). Adakah ini bukan riba dan bukankah satu penganiayaan?Malahan ia dihalalkan oleh Ustaz-ustaz yang disuap dengan gaji tinggi oleh pihak bank kerana anda menjaga kepentingan pelabur-pelabur mereka.
Cuba kita fikir sendiri. Kita ada rumah bernilai RM100,000 dan nilai tersebut sudah pun disahkan oleh jurunilai berdaftar mengikut harga pasaran. Tapi bila kita beli rumah tersebut dari Bank Islam secara ansuran, Bank Islam cakap harga jualannya adalah RM250,000. RM250,000 itu berdasarkan nilai pasaran 30 tahun akan datang. Adakah kita rela atau menyumpah-nyumpah dengan Bank Islam kerana 'mark-up' harga tahap maut? Takkan kita nak niat sedekah pada bank yang sudah sememangnya kaya-raya.
Lazimya, Bank Islam berhujah, bahawa "harga kami adalah tetap". Tidak kira apapun terjadi harga sudah ditetapkan. Disinilah point Bank Islam untuk membela diri dan menyucikan diri, tetapi sesuatu yang kita harus tanya, apakan jadi dengan harta, jika dilelong atau telah muflis? Cara kiraan Bank Islam amatlah menyedihkan. Contohnya, katakan anda buat pinjaman RM100,000 dengan kadar 7.5% setahun untuk 30 tahun. Harga jualan bank islamik = RM 250,944. Sebulan anda bayar lebih kurang RM700 sebulan. Setahun, anda bayar RM8,400. 10 tahun anda bayar RM 84,000. Ditakdirkan, selepas 10 tahun, anda mengalami masalah kewangan dan tidak mampu bayar ansuran rumah lebih setahun. Rumah tersebut terpaksa bank lelong . Mengikut harga pasaran, rumah tersebut dinilaikan pada harga RM160,000. Tetapi kerana rumah itu dilelong pada harga murah, ia hanya dapat dijual pada harga RM 146,000 sahaja. Bank Islam akan buat pengiraan berdasarkan harga jualan yang sudah ditetapkan dari awal (RM250,944), tolak semua bayaran yang anda sudah buat selama 10 tahun (RM84,000) dan harga kutipan lelong RM146,000. Oleh kerana anda gagal buat bayaran dan rumah dilelong, bank tidak akan beri anda rebet atau diskaun. Mereka caj harga penuh. Selepas ditolak semua bayaran, anda masih lagi berhutang kepada bank RM20,944. Mahkamah perintahkan anda bayar baki hutang pada kadar RM100 sebulan dan selagi ia tidak selesai, anda masih diblack-list dari kesemua institusi kewangan (CTOS) sampai mati.
Ini bebeza dengan bank konvensional (Bukan nak memuji bank konvensional, sekadar ambil perbandingan) apabila rumah anda dilelong, jumlah yang boleh dituntut oleh pihak bank, hanyalah setakat full settlement amount selepas 10 tahun (RM 86,655) dicampur dengan tunggakan bayaran serta interest (katakanlah semua RM10,345). Dari harga lelong RM146,000, tolak full settelement value RM 97,000, anda masih dapat untung RM 49,000 dari harga lelong tadi. Memanglah anda kini takde rumah, tapi sekurang kurangnya anda tidak ditinggalkan dalam keadaan masih berhutang dengan pihak bank. Boleh jugak mulakan hidup baru dengan menyewa dan selesaikan hutang hutang lain.
Kadang2 terfikir mana yang lebih zalim... Mengapa sesuatu yang dibuat atas nama Islam boleh mengolah sistem kewangan sezalim itu?
Selalunya Bank Islam berhujah atas nama BLR. Ramai rakyat tidak tahu makna BLR ini. Kadang-kadang orang-orang bank menakut-nakutkan pengguna dengan BLR terutama jika berulang lagi krisi ekonomi.
Memang kita akui, kadar BLR akan berubah ubah dari masa ke semasa, tetapi ia tidak akan naik tidak tentu pasal. Jika ia dinaikkan, tentu ada sebab di sebaliknya. Sebagai contoh, tahun 1998 kadar BLR terpaksa dinaikkan kerana masalah manipulasi matawang ringgit di pasaran luar. Bila kadar pinjaman dinaikkan, ekonomi akan jatuh. Jika kita perhatikan, BLR naik pun tidak lama. BNM pun tahu, kalau kadar BLR disetkan tinggi, lama-lama orang tak mampu bayar loan mereka akan menderita. Kadar pinjaman tidak berbayar (non-performing loan) naik mencanak-canak. Selepas 2 tahun, kadar BLR jatuh kepada 6.8%, kemudian kepada 6.4% dan akhir sekali kepada 6.0%.
Hanya apabila harga petrol dinaikkan 30 sen, harga barang mula naik, inflasi juga mula naik. Untuk mengawal inflasi dan harga barang yang dikawal, maka BNM naikkan kepada 6.75% sekarang ini. Anda boleh refinance loan konvensional lama kepada loan baru yang menawarkan kadar lebih murah BLR , dengan FREE MOVING COST , tanpa ada yuran guaman. Pindah saja loan lama kepada bank baru yang menawarkan interest yang lebih murah. Malahan ada institusi kewangan yang sanggup beri fixed rate untuk loan konvensional sepanjang tempoh pinjaman seperti di AIA Assurance, Malaysian Building Society (MBSB), Citibank,CIMB Bank dan sebagainya. Mereka boleh offer 5.75%, 5.99%, 6% fixed rate loan,
Rasa-rasa mana yang lebih mahal? Loan konvensional atau loan islamik?
Sekalilagi saya tegaskan, bukan untuk memuji bank konvensional, sekadar buat perbandingan, sahaja dan untuk melihatkan Bank Islam dan Bank konvensional tiada bezanya.
Ini satu lagi, produk Bank islam yang didakwa adil dan mencerminkan keislaman iaitu rebet(ibra')
Apa itu ibra'? Ianya hanya sekadar gimik Sistem pinjaman Islam. Kita abmil contoh keadah ibra ni,
berpandukan contoh pinjaman rumah tadi, setelah membayar pinjaman rumah selama 10 tahun (total payment RM84,000), nilai full settlement untuk loan konvensional adalah RM 86,655. Anda bayar RM 84,000, hanya untuk mengurangkan baki pinjaman sebanyak RM 13,345. Ini yang orang dulu mengamuk, bayar punyalah banyak, tapi baki pinjaman baru berkurangan sikit. Kebanyakan bayaran selama ni, hangus sebagai interest (bayaran lebih) kepada bank sahaja. Ini yang banyak dijadikan modal oleh islamik bank untuk menjatuhkan sistem interest oleh bank konvensional, kononnya tak telus. Padahal, orang mengamuk sebab mereka tidak ada pengathuan tentang sistem pengiraan loan.
Kalau anda pakai loan islamik, setelah bayaran 10 tahun RM84,000, anda buat full settlement, bank islamik akan tolak RM 84,000 dari harga jualan RM 250,944. Baki hutang sepatutnya RM 166,944. Tetapi oleh kerana anda selesaikan pinjaman awal, maka bank islamik minta bayaran RM 86,655 sahaja lah. Lagi RM 80,289 kira diskaunlah, rebet ibra' dari bank islamik. Banyak tuh RM80,000 diskaun, mana nak dapat? Kan bank islamik bermurah hati.
Padahal, nilainya sama sahaja dengan full settlement loan konvensional. Tapi diwar-warkan seolah olah Bank Islam sangat bermurah hati bagi diskaun RM80,000. Sedangkan dari sudut teknikal, apabila anda selesaikan pinjaman lebih awal, pihak bank TIDAK BERHAK UNTUK TUNTUT INTEREST / PROFIT untuk baki tempoh pinjaman. Mereka hanya berhak ke atas tempoh sebelum penyelesaian awal sahaja.
Cuba anda bandingkan sendiri, nilai early settlement dari loan konvensional dan loan islamik? Yang mana lebih murah? Kadangkala early settlement dari islamik loan lebih tinggi sedikit dari loan konvensional kerana mereka kenakan penalti caj yang lebih tinggi. Untuk kepastian, cuba anda selidik sendiri dan semak betulkan ada diskaun seperti yang dinyatakan, atau sekadar GIMMICK SAHAJA? Yang menjadi masalah sekarang, loan islamik tidak memgambil kira bayaran lebih yang anda lakukan untuk kurangkan profit yang dicaj ke atas loan anda. Ini berlaku terutamanya dalam pinjaman kereta dan pinjaman peribadi. Selagi pinjaman tidak dilangsaikan penuh, apa jua bayaran lebih tidak dikira untuk kurangkan total profit. Ini berbeza dengan loan konvensional di mana anda boleh bayar lebih untuk kurangkan baki pinjaman anda. Baki pinjaman berkurangan, interest yang dikenakan juga berkurangan.
Disini juga harus diingat, Bank Islam bukan penjual rumah, kereta atau barangan kedai. Mereka adalah insititusi yang beri khidmat kewangan dan khidmat kewangan mereka, banyak datang dari meminjamkan duit pelabur pelabur mereka kepada orang ramai. Yang kadang-kadang menjadi masalah, mereka mengenakan profit yang terlalu tinggi dari modal asal barang tersebut. Apabila si penjual mengenakan profit yang terlalu tinggi, ia mirip riba juga, iaitu riba al-Fadl. Ada dalil dari Quran yang menyatakan, adalah haram bagi seseorang yang mengenakan riba (bayaran lebih) berlipat ganda.
Harus diingat juga, sistem ekonomi Islam bukan dibina dengan niat untuk membuat keuntungan semaksima yang boleh seperti sistem kapitalis. Ekonomi Islam mempunyai etika jual-belinya sendiri yang perlu kita patuhi dan etika ini menyarankan kita berbuat baik sesama orang lain, bukan menzalimi mereka.
Tahukah kita ada beberapa sistem dalam Bank Islam ditiru dari bank konvensional. Contohnya, pinjaman kereta dan pinjaman peribadi. Mereka kata pinjaman Bank Islam bukan terjemahan dari pinjaman konvensional, tetapi jika kita selidik, kita akan dapati ianya di 'copy' bulat-bulat produk konvensional.
Bagaiman ia terjadi?
Ambil contoh pinjaman peribadi di sebuah bank A. Pinjaman ditawarkan pada 5.6% setahun sahaja untuk tempoh 5 tahun. Pinjam RM10,000, sebulan bayar RM 213 sahaja selama 60 bulan. Kononnya cukup murah 5.6%! Ramai orang tak tahu, 5.6% setahun itu bukanlah kadar sebenar pinjaman. Sebaliknya ianya adalah kadar nominal sahaja. Dalam erti kata lain, kadar pada nama sahaja. Pinjaman islamik meniru sahaja format pinjaman peribadi konvensional, yang gemar publishkan kadar nominal, dan bukannya kadar sebenar.Kadar sebenar untuk pinjaman tersebut, perlu anda rujuk mengikut kadar APR (Annual Percentage Rate) dalam loan agreement anda. Itulah kadar sebenar pinjaman anda dan ia dinyatakan pada kadar 10.2% setahun.
Itulah, kadang-kadang kita pun tak tahu mengapa orang-orang Bank Islam tidak berterus terang dalam hal ini. Mereka ni tidak tahu ke atau mereka menganggap orang-orang awam tidak tahu apa-apa?
Pinjaman kereta adalah satu lagi masalah Bank Islam. Ramai penarik-penarik kereta ala samsing berlambak mencari senarai nama peminjam yang lambat bayar ansuran. Mengapa badan yang berasakan Islam boleh mengupah samseng tarik kereta, untuk mengugut peminjam peminjam yang bermasalah?. Bila kereta dilelong, harga kereta jauh lebih rendah dari harga jualan pinjaman kereta. Si peminjam, sudahlah kena caj upah tarik kereta yang mahal, kemudian setelah kereta dilelong pun, masih menanggung hutang yang tidak habis sebab takde rebet. Berterusanlah si peminjam kena blacklist, menanggung hutang pinjaman kereta walaupun kereta sudah dilelong. Tetapi sebelum buat pinjaman kereta ini, cukup manis kata-kata mereka - pinjaman islamik yang telus dilakukan dengan akad sewa beli. Bila anda membeli kereta dengan skim pinjaman islamik mereka, anda umpama menyewa kereta dari mereka. Orang sewa kereta, kalau dah pulangkan, tidak perlu bayar sewa lagi. Tapi peminjam yang kereta sudah dilelong pun, masih kena blacklist dan tanggung hutang kadang-kadang sampai mati.
Artikal ini bukan hendak menjatuhkan Islam. Hanya sekadar hendak memberi sedikit penerangan supaya sistem yang sedia ada boleh dibaikpulih dan lebih berwajah Islam. Tidak guna menggunakan nama Islam tetapi sistem masih jahlliah dan penuh kezaliman. Biarlah Bank Islam didirikan atas dasar ingin membantu memajukan umah bukan untuk menindas ummah. Sampailah masanya, kerajaan harus bertindak membersihkan sistem Bank Islam atau sistem kewangan Islam. Apatah lagi dengan rekod Bank Islam yang telah mengalami kerugian. Mungkin, jika tidak diubah, orang Islam sendiri tidak akan dapat melihat kemuliaan dan kesucian Islam apatah lagi orang-orang bukan Islam. Sejarah telah banyak membuktikan bahawa dari tangan orang Islam sendiri yang banyak menjatuhkan Islam. |
Posted at 05:08 am by jombaca
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Monday, August 27, 2007
Jom main snooker bersama Nik Aziz Nikmat
Jom main snooker bersama Nik Aziz Nikmat
Posted at 12:16 am by jombaca
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Wednesday, March 21, 2007
Returning to the true Islam .
Returning to the true Islam
Dr Mahathir Mohamad
Text of speech by Prime Minister Datuk Seri Dr Mahathir Mohamad at the School of Oriental and African Studies, University of London, yesterday. I HAVE chosen to speak on a very sensitive and controversial subject, "Islam and the Ummah: Re-examining and Reinventing Ourselves in the Face of New Challenges". I hope I don't touch any raw nerve by doing so. 
First, does Islam need to be re-examined? To determine whether it should or should not, we have to understand the fundamentals of Islam, the original Islam as brought and preached by the Prophet, and see whether there is any difference between this Islam and the Islam that we believe in and practise today.
We cannot change the fundamentals of Islam or we will be changing the message and the teachings of Islam as brought by the Messenger of Allah, Muhammad. We will, in fact, be changing the religion of Islam. And it cannot then be Islam any more. All we can do is to determine whether the Islam of today has deviated due to the inter-pretations of the fundamentals in order to suit changing circumstances. We cannot and must not accept a "New Testament" for Islam.
Islam changed the feuding Arab tribes into a united, highly organised and sophisticated people who built a great civilisation which lasted 1,300 years. But today, the followers of Islam, the Muslims, are no longer the great people they were in the early years of Islam.
The great Muslim civilisation has almost disappeared and the Muslims today are looked down upon, oppressed and humi-liated, their religion said to be a terrorist creed, propagated by a terrorist prophet. Yet we know from the Quran that the Prophet brought glad tidings to the human commu-nity and promised good to those who accepted Islam.
And we always pray to Allah for good (hassanah) in this world, and good (hassanah) in the akhirat.
The prayers by Nabi Adam Alaihissalam on his arrival on earth in Surah AlBaqarah, verse 201 clearly stated that he asked "Our Lord, give us good in this world and good in the hereafter".
Can we honestly say that the situation of the Muslim in this world today is good? It certainly is not. And if it is not, is it because of Islam, because of its teachings? Or is it because changes have been made to Islam so that it is no longer in accordance with the original teachings of Islam.
Changes occur to everything over time. All religions change over time. All ideas and values change over time.
The Christian religion, for example, has changed and changed again until the early Christians must find it impossible to reconcile their Christianity with that practised today. The sins of yesteryear are now no longer sins, so much so that even the priests can indulge in them openly.
The same things happen to the ideals of egalitarian ideologies. The French Revo-lution was supposed to be about liberty, equality and fraternity, but no equality was accorded to the aristocrats. Over time, the ideals of the Revolution evolved into socia-lism, communism; and then to the Dicta-torship of the Proletariat, the dictatorship of a few in the communist regimes.
Millions were killed during the evolution of the egalitarian ideas of socialism and communism. Eventually, the ideals of liberty, equality and brotherhood were made convenient excuses for denying them to those opposed to the communist elites.
Today, we are seeing the same thing happening to democracy. It has become an excuse for applying sanctions, denying food and medicine, and finally to war against innocent people, killing and maiming them, invading and occupying their countries.
The wishes of the majority are negated by the veto of one, even as it talks about pro-moting democratic processes. And we can expect more changes to the application of democracy until a dictatorship of demo-cracy eventually destroys the great ideals. As with the communists, the wheel would turn full cycle.
Clearly, it is not just Islam which needs to be re-examined. All the religions, the ideo-logies and the value systems of the world's human community need to be re-examined. But we are, of course, concerned today with the religion of Islam.
Is it the religion that the Prophet preached or is it different? If it is, then is it responsible for the sad state of the Muslims today? Or is it because the religion has been changed that it cannot deliver the good that was promised? Is it true as some would have us believe that what the Muslims suffer today have been pre-ordained by Allah and Muslims will just have to endure it? Is it true that they will enjoy heaven in the next world because of their sufferings on this earth? The Quran says that all that is bad is from us and all that is good is from Allah. So we must conclude that the present miserable fate which we suffer, our oppression by others and the denigration of our religion is due to us, not pre-ordained by Allah.
If that is so, then we must find out what we have done which is wrong, which is not in accordance with the teachings of Islam, and has brought misfortune upon us. We have to know this and in knowing we have to correct ourselves and return to the true Islam so we may once again be blessed by Allah.
Islam as all Muslims know is not just a religion, a belief in the one God, Allah, in His Prophet. It is not just about the performance of certain rituals, the avoidance of sins. Islam is a way of Life — Addin. Islam governs every aspect of the life of the Muslims. It guides their behaviour and everything that they do, as individuals, as a community.
But is our way of life today Islamic? Many of us believe that by the Islamic way of life we must wear certain dresses, keep a beard and cover our body or aurat. But this is not everything as a way of life. Some Muslim reformers then began to question the orthodox views of the Muslim scholars. They wanted to "modernise", to emulate the Europeans. Some went so far as to believe that only by discarding Islam and becoming secular could Muslims regain their pre-eminence. They achieved very little success in the face of strong opposition by the influential orthodox scholars.
The problem was that some of the reformers were too much influenced by the European concept of the separation of state from the church. It may be possible in the Christian context. It is not possible in the Muslim world.
Islam is a way of life and a way of life cannot be compartmentalised into spiritual and material. Everything that a person does is part of a way of life. Certainly, the system of government of a country and its development is a part of the way of life.
It is entirely possible to be Islamic even if a modern administration or system, including democracy, is adopted. It is possible if we go back to the fundamentals of Islam. The problem is that Muslims tend to emphasise and venerate the form rather than the substance in the practice of everything. Even in mo-dernisation they look for the form.
Thus, clothing to cover the body is translated as the wearing of the Arab dress. That the other forms of dress, including the now universal coat and trousers can also cover the body is regarded as being of no merit, unIslamic. Reading to acquire knowledge is interpreted as reading to acquire Islamic religious knowledge only. Defence of the ummah is interpreted as veneration of the ancient weapons of war.
Perhaps this sounds too simplistic. But what is one to make of the neglect of learning and defence in the Muslim world? Must Muslims forever buy their weapons from others, some of whom may be their enemies? Surely, they must have indigenous capacities to invent and produce their defence needs themselves.
To do this, they must learn science, mathematics, technology and the rest. Far from regarding the pursuit of these subjects as not as good as the study of Islamic theology, it should be regarded as an ibadah, which should gain merit for the individual and merit for the community.
But to focus on the defence of the ummah will need political stability and economic wealth. And so Muslims must learn to restrain themselves and to make what ever system of government they adopt, work.
Democracy is compatible with Is-lam. The Prophet did not create a dynasty. He left it to his followers to choose from among themselves a leader, a Khalifah. It was only later that the Muslim dynasties were set up.
One can say that a system where the leader is chosen by an electorate, regardless of his antecedents, is much more Islamic than otherwise. Having been elected, a leader must care for his people, for the ummah. And caring means ensuring his people will have food, clothing and shelter and be secu-red from domestic or foreign ag-gression.
If the fundamentals of Islam are adhered to, there should not be conflicts and wars between Muslims. The fundamentals cannot differ. Muslims are brothers. This is fundamental to Islam. But we are hardly brothers to each other. We are ready to accuse each other of being apostates and we are ready to kill each other.
Islam means peace. We wish peace upon each other. This is also fundamental to Islam. We only fight against those who attack us, be they Muslims or non-Muslims. When the enemy sues for peace Muslims must respond positively. But we are doing none of these fundamental things.
Today, Muslims are labelled as terrorists. We don't think that it is justified. We may be right. But the fact is that we are killing people because of our anger regardless of who we kill, regardless of the consequences.
Admittedly, we are desperate and outgunned and there is very little else we can do to defend ourselves against the injustice perpetrated against us. But should we just lash out indiscriminately, killing innocent people, including those who sympathise with us? Shouldn't we stop to think, to plan and to strategise with ultimate victory as our goal? Is it impossible to do this? If we think rationally, we must admit that it is possible. What have we got after almost 100 years of fighting? Nothing. Even our anger is not assuaged. We are, in fact, getting more angry.
If we think, then we must realise that our present predicament is not pre-ordained by Allah. It is entirely due to our own doing. We have neglected and misinterpreted the teachings of Islam.
When we should be acquiring knowledge which can help us ward off the attacks against us, we reject such knowledge. We rely merely on praying to Allah for help when Allah has said in the Quran that we have to help ourselves first before He will help us. We have not helped ourselves, not in the right way as prescribed by our religion.
We do not have a need to reinvent Islam. Islam is perfect and is for all times. The present age does not make Islam irrelevant. It is relevant if we stick to the fundamentals, if we interpret them correctly. The problem is with the interpretation of Islam.
It has not only divided the ummah but it has made the ummah practically illiterate, incapable of dealing with even the simple problems of governing ourselves.
The fundamentals of Islam are still relevant. We must go back to the funda-mentals, to reading in order to acquire knowledge, to the brotherhood of the Muslims, to the way of life as pres-cribed by Islam, to the substance of the teachings of Islam in the Quran and the verified hadith and not to the forms of Islam or the weak unverified hadith.
Islam is still the perfect religion. It is the Muslims who are not perfect, who have allowed themselves to misinter-pret Islam, to deviate from the teac-hings of Islam. Muslims must correct themselves and it is they who must change, not through discarding Islam but through going back to the true, the funda-mental Islam.
The fundamentals of Islam are good. The early Muslims who succeeded in building the great Islamic civilisation must be fundamentalists, for the numerous and contradictory interpre-tations of Islam had not yet emerged to confuse and confound.
The Prophet brought to us only one religion of Islam. Today, there are hundreds of Islams. We have to go back to the one Islam brought by the Prophet. We must do so as thinking Man, not as emotional Man.
We can face the challenges of our times not by giving vent to our anger, our frustrations and our bitterness. We must instead use the brain, that thinking capacity that Allah has en-dowed us with. We take stock of our assets, we plan and we strategise. And Allah has endowed us with riches beyond imagination.
We have certain strengths, which we must identify and apply with wisdom.
Above all, we must reduce the en-mity between us, if not completely, at least selectively to face the threat against us.
There is no magic in the successes of our detractors. We can do what they can do. But we have to rid ourselves of the baggage of history and focus comp-letely on the problems we face today. And, Insya Allah, we will overcome the challenges without losing our faith or deviating from the fundamental teachings of Islam.
We must certainly re-examine the Islam that we practise. We have no need to reinvent it when facing the new challenges of today. But we must certainly correct the wrong interpretations of Islam if we are to overcome the threats and humiliation that we face.
New Straits Times, Tuesday 23/9/03
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Posted at 10:39 pm by jombaca
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Saturday, March 17, 2007
, Abdullah's Islam Hadhari projects .
COMMENT: Islam Hadhari and PM's aspirations 
Rita Sim
June 26:
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NON-MUSLIM Malaysians have been closely following the development of Datuk Seri Abdullah Badawi's "Islam Hadhari" programme.
It was a central campaign issue in the election, and it has been seen by many as Umno's answer to the Pas vision of an Islamic state. Indeed, the Prime Minister's simple message obviously won the hearts of many Malay voters with statements like: "We can't promise heaven. It is up to God. We can only work to become good Muslims". These words also obviously resonated with non-Muslim voters as well. 
So interest has been aroused in the Islam Hadhari programme for Malaysia. When did the concept first appear? What are its basic elements? How should non-Muslims react? Abdullah launched Islam Hadhari at the national level in September last year, when he was still Deputy Prime Minister. So the concept is quite new, and also still very much under construction. Abdullah began to flesh out his programme in a series of rallies ahead of elections on March 21. His basic message is a vision of Islam Hadhari with the central unifying focus that "Islam is a religion for development".
Source of photo ; Harakah daily net on line.
Islam Hadhari, according to the PM, stresses moderation in all aspects of life, and is what modern Malaysia needs. "It is about working hard, hunger for knowledge and information in science and technology", he told crowds of potential voters. . In this election, he also turned to the plight of poor Malay farmers in the Islamic heartland of the north-east, and he received their support. Islam Hadhari refers to a highly civilised Islamic community that is progressive, developed, dynamic, and capable of handling contemporary challenges. The important thing is not that these elements have not been present before in Umno's Islamic vision for the country. The key is that this is the first time they have been forcefully gathered into a comprehensive programme.
Universiti Kebangsaan Malaysia Professor Shamsul Amri Bahruddin observed in a recent interview that Islam Hadhari "is basically about moderate or reasonable Islam … middle path". What Pas wants is an Islamic state based on Hudud. This middle path means that it is up to each individual to build a more comprehensive understanding of religion. Beginning from this platform, issues such as multi-culturalism, religious tolerance, and development goals can be debated and discussed at a national level.
Abdullah's Islam Hadhari programme addresses the challenging role of religion in a rapidly industrialising nation caught up in the global waves of Islamic revivalism. Some of the elements of Islam Hadhari include:
* Construction of an inclusive framework based on respect for religious tolerance and relevance for a highly pluralistic society.
* Promotion of socio-economic progress in the context of modernisation and globalisation.
* Emphasis on the individual — imbuing the values and knowledge to become a good Muslim and the need to be honest and hardworking.
Islam Hadhari is certainly evolving. Abdullah is at the beginning of his term of office, and it is anticipated that his programme, and his aspirations for the Muslim community in Malaysia, will become clearer as his own style of governing Malaysia firms up.
The programme is visible confirmation that Umno, the main component in the ruling Barisan Nasional, is striving to achieve a more progressive and tolerant interpretation of Islam to suit modern times, and Malaysia's unique racial and religious composition. Abdullah has the Islamic credentials to galvanise this ambitious programme, and there is an obvious confidence in his leadership among his fellow Muslims. The basic elements of the programme, including striving for progress, development, and tolerance in a multi-religious, multi-cultural context, are welcomed also by non-Muslim Malaysians. Thus their support for the universal character of Islam Hadhari, and the common values which it represents, will be critical for its success at the national level.
To maximise its own ground, Abdullah's Islam Hadhari projects an inclusive agenda that respects religious pluralism in Malaysia. Non-Muslims certainly find a comfort zone in the articulation of an alternative to what is generally perceived as Pas' more archaic and even regressive vision of an Islamic state. But the modern, tolerant, progressive face of Islam Hadhari, backed by the PM's own religious credentials is like a breath of fresh air, and should be closely monitored and nurtured by non-Muslims.
The writer is a member of the Institute of Strategic Analysis and Policy Research. The views expressed in this column are her own.
nst::26/6/04
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Posted at 06:05 am by jombaca
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