Yg pure Islamic klu pinjam ngan mak bapak je.....klu tak bayar pun takpe takde interest....hehehe......
________________________________ From: hsmuor@googlegroups.com [mailto:hsm...@googlegroups.com] On Behalf Of Ariffin Ahmad Sent: 2009/02/05 12:41 PM To: hsmuor@googlegroups.com Subject: Re: FW: [hsm_muor] Untuk orang bank mana ada pure islamic banking kat malaysia ni... 2009/2/5 Khairil <creep_javaf...@yahoo.com> Many thanks Nizam, Really2 appreciated of what Khidir mention...... Apa yg bole aku simpulkan di sini, bukan setakat murah dan mahal semata-mata tetapi lihat pada akadnya dan kaedahnya.... nanti aku kasi ulasan dari apa yg ko attachkan tuh.... Tgh sibuk skit.... Khairil --- On Thu, 2/5/09, nizam7...@gmail.com <nizam7...@gmail.com> wrote: From: nizam7...@gmail.com <nizam7...@gmail.com> Subject: FW: [hsm_muor] Untuk orang bank To: hsmuor@googlegroups.com Date: Thursday, February 5, 2009, 11:03 AM Sedikit ulasan dr sheikh Khairul Hidir ibnu Ghazali...... -original message- Subject: [hsm_muor] Untuk orang bank From: "Khairul Hidir Ghazali - Corporate Credit Analysis, RMD" <khi...@bankislam.com.my> Date: 04/02/2009 9:31 AM Sheikh, serba sedikit penjelasan: 1. Dari segi rupa, apa beza ayam goreng yang disembelih VS ayam goreng yg tak disembelih? Kalau jual kat kedai bukan Islam, confirm kita tak makan TAPI kalau orang Islam yg jual camne? Kalau kita tahu confirm tak lalu nak makan jugak kan? Ni pun kalau ada kekuatan iman la kan, kalau iman tak kuat main belasah je la tak.... Dalam keadaan skrg, Islamic Banking masih mengunakan pendekatan convesional untuk kaedah pengiraan untung (profit rate) iaitu berdasarkan kadar bunga (interest) i.e. bentuknya masih sama macam ayam goreng tadi. Tapi bezanya, ada aqad melalui konsep2 tertentu spt bai' bithaman ajil, murabahah, etc. Ulama' beza pendapat samada boleh gunapakai (benchmarking) kaedah convesional untuk Islamic banking. 2. WHATEVER LOAN WITH INTEREST (RIBA) is not permitted (HARAM) because it contains RIBA as clearly states in the Quran and Hadith. PURE ISLAMIC LOAN (Qardhul Hasan) is the one without any RIBA i.e. byk mane pinjam byk tu la pulang balik. Istilah Islamic Loan tak berapa tepat dalam konteks home financing, the right concept/term is Islamic Financing. 3. Islamic financing is not about cheapest rate la sheikh. Aku pun tak berapa setuju kalau ambik islamic home financing the bank yang ada dual-type of financing scheme (both convensional and Islamic) apatah lagi from non-Islamic bank. However, islamic banks' objective and bottom-line is still profit too (termasukla bank islam:). So how? Beli rumah cash la... hahaha....atau sewa je rumah... Aku strongly suggest, kalau takde duit nak beli rumah (kena buat financing gak) besides comparing cheaper profit rate: a. Look for offer from pure Islamic banks (bank muamalat, bank rakyat, bank islam, other foreign Islamic banks, atau yang sewaktu dgnnya.. b. Look for dual-type financing banks with Islamic products c. Look for non-islamic banks that offer Islamic products Try to avoid any non-islamic products at all as many Islamic products are available now and some ulama' said it is not a choice nymore... bayangkan apa2 jugak loan (with interest) umpama ayam yg tak disembelih = jadi darah daging kita dan kesan yang berpanjangan sehingga ke anak cucu kita.... Walaupun masih byk lagi kelemahan dalam sistem perbankan islam yang ada skrg, sama2 la kita belajar mengenainya dan memperbaiki system yang ada... Sistem riba dah jadi sebati dlm masyarakat kita sehingga kita tak mampu nak Mengelakkannya walhal kesannya sama seperti daging babi....semoga Allah ampunkan kita semua... -----Original Message----- From: nizam7...@gmail.com [mailto:nizam7...@gmail.com] Sent: Tuesday, February 03, 2009 3:34 PM To: Khairul Hidir Ghazali - Corporate Credit Analysis, RMD Subject: FW: [hsm_muor] Untuk orang bank Salam Sheikh... Bagi maklum balas yer.... -original message- Subject: [hsm_muor] Untuk orang bank From: Khairil <creep_javaf...@yahoo.com> Date: 01/02/2009 12:06 PM Nak tanya skit?....sesiapa yg kerja bank mintak penjelasan skit... 1.Apa maksud BFR?..Base Financing Rate..... Dan aper bezanya dengan BLR (Base Lending Rate)? 2. Apa beza jika bank offer fix rate loan dengan islamic loan? 3. CIMB Islamic ada buat pakej ----Variable Home Financing-i---- di mana pakej ini offer; BFR-2.15%(Whole Tenure) dan average interest rate adalah 4.34%. Soalan aku, ini bukan ke ala-ala macam BLR? Dimana kita masih tak tahu lagi secara tetap berapa amount yang patut kita bayar in the end of our loan. Pastu, jika bandingkan yang ini adalah fix rate loan dari: EON CAP Islamic Bank Berhad 3.00%(Yr1), 5.00%(Yr2), 6.99%(Yr3-25) Lebih tepat.....tahun pertama ko bayar 3% tahun kedua ko bayar 5% tahun ketiga sampai loan ko habis ko bayar 6.99%... Jadi...sesiapa yg faham,sila huraikan skit...pasal aku tak nampak mane satu yang islamic-i dan juga maksud "BFR - 2.15%" tuhh... Berpusing-pusing bank2 kasi offer, sampai dah pening dah aku..... Mcm nak beli flight Airasia kat internet, baekkk punyerr offer..last2 terkene... Keling tul Tony nih laaa.....hahahahahah!! Nabi s.a.w sampai ke Madinah dan penduduk Madinah membeli (menempah) tangguh tamar yang hanya akan diserahkan dalam tempoh dua tahun dan tiga. Lalu Nabi s.a.w bersabda : Barangsiapa yang ingin membeli secara tangguh (serahan barang iaitu belian as-Salam) hendaklah ia dilakukan atas barang yang diketahui, timbangan yang diketahui dan tempoh yang diketahui"(Riwayat Al-Bukhari, no 2086) ________________________________ This e-mail and any files transmitted with it is legally privileged and confidential and intended solely for the use of the individual or entity to whom it is addressed. If you are not the intended recipient, you are hereby notified that you have received this e-mail and any files transmitted with it in error and that any use, dissemination, forwarding, printing or copying of this e-mail and any files transmitted with it is strictly prohibited. If you have received this e-mail and any files transmitted with it in error, please notify the sender immediately by reply e-mail and delete this email. 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