tag:blogger.com,1999:blog-22733467111756083272024-03-23T20:39:09.761+08:00ISLAM & FINANCE FROM MY PERSPECTIVESWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.comBlogger196125tag:blogger.com,1999:blog-2273346711175608327.post-48714408366108718222011-05-05T23:44:00.003+08:002011-05-05T23:52:45.149+08:00PERSONAL FAREWELL NOTE ....<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhy3KISOZJbQS8iZBEd5aaX2uC1zSQkd9lYVMoIBHgdMj-cMl9VBS9S0t5ImTe_ujkiZJMjDiVPChNuDeUZD8bz51UMInk95j0OnlbwNo0DSPjjSfDOJZl0h_BGG33Lwc1XVibEgLy9/s1600/Untitled20.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 358px; height: 255px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhy3KISOZJbQS8iZBEd5aaX2uC1zSQkd9lYVMoIBHgdMj-cMl9VBS9S0t5ImTe_ujkiZJMjDiVPChNuDeUZD8bz51UMInk95j0OnlbwNo0DSPjjSfDOJZl0h_BGG33Lwc1XVibEgLy9/s400/Untitled20.jpg" 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mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <!--[endif]--> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">It’s true, you know… I mean, the quote above. When the “push factors” outweigh the “pull factors”, it is a normal human reaction to leave and find better alternatives.</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"> </span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">Today is an emotional day for me – I just left a bunch of wonderful, colourful, loud, boisterous team members. Well, simply put – today is my last day at work and boy, do I hate goodbyes. To make matters worse, I came down with fever and flu since last night.</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"> </span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">I was never and still am very bad with goodbyes. In fact, I purposely do not want to make it harder for the team (and to yours truly as well), so what I did was just saying a simple “BYE” to all of these wonderful people I left behind.</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"> </span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">Some may misconstrue the gesture as being too simple or maybe heartless, but in actual fact, I feel that during my tenure there I’ve connected emotionally with these wonderful people who have taught me so many things directly or indirectly.</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"> </span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">I feel blessed to have to get to know each and every one of these people, share laughter and tears (not mine), and the support and guidance given are honestly, beyond compare. We go through the ups and downs of life together – just like a real family does. That experience is priceless.</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"> </span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">It’s been a pleasure and an honour working with each and every one of you (well, you know who you are). If ever our paths were to cross again some day, I would be more willing to continue where we left off.</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> <br /><br /><br /><br /><br /><br /><br /><br /><span style="font-weight: bold;font-size:100%;" ><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" style="font-family: arial;" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUQaiRGDeRW12IyY9aUfuDK0U1FsnBLw2X3wWzJhgGS5niyfSxqClLNv87J8vxZ9mDRvO4sRnaH5QpKOesAz07KloUWGlggGTN3yapmddcVWoggA9950wreY6jcHAWGPBKpm2iTiGH/s1600/Untitled21.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 400px; height: 294px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUQaiRGDeRW12IyY9aUfuDK0U1FsnBLw2X3wWzJhgGS5niyfSxqClLNv87J8vxZ9mDRvO4sRnaH5QpKOesAz07KloUWGlggGTN3yapmddcVWoggA9950wreY6jcHAWGPBKpm2iTiGH/s400/Untitled21.jpg" alt="" id="BLOGGER_PHOTO_ID_5603258909915820322" 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mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:auto; mso-para-margin-right:0cm; mso-para-margin-bottom:auto; mso-para-margin-left:0cm; text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <!--[endif]--> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">I dedicate this wonderful poem written by </span><span style="font-size:12pt;">Mild G. Calingo, to my dearest team members :</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;"><br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">My friends to you I bid goodbye </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">To the friendship that brought me sky </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">The year has been swell </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">As if coming from a wishing well </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">But as all things do </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">I have to bid adieu </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">How it pains me to </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">But there's nothing I can do </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">Thank you for the memories </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">The laughter and the tears </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">They'll linger in my heart </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">As if we never part</span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">If by chance we meet again</span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">May it be full of blessings in the rain </span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">Yet for now all that I can say</span></span></p><div style="text-align: justify; color: rgb(204, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(204, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12pt;">Is to God for you I'll pray</span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"> </span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"> </span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;">Lastly, don’t be a stranger & keep in touch (each of you have my mobile number and my personal email address).<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><br /><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12pt;"><br /></span></span></p>SWEET 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style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">Management today is defined as “Getting things done through others.” Following this concept, a Manager is now understood as the person who works through others. A good manager, therefore, is a person who not only knows what is to be done but exactly how to get it done. The Holy Quran confirms: </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">“…We raise some of them above others in ranks, so that some may command work from others...” [43:32] </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">This ayat from Surah Al-Zakahraf reveals in a nutshell as to why Allah swt raised some people over others in ranks that being, that they can get work done from them. This ayat (43:32) encompasses the entire philosophy and wisdom of modern management. It emphasizes, in essence, the creation of appropriate hierarchies and the division of responsibilities subject to individual capabilities. It basically implies the creation of organizational charts from the top management to the lower managem<span class="nw">ent. It</span><span class="notranslate"> </span><span class="nw">stresses the division of work and responsibilities according to individual</span><span class="notranslate"> </span><span class="nw">capabilities.</span></span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">If we ponder over the definition of Management, we will get to know that points discussed in that had already been given by the Holy Quran 1400 years ago. Now let’s look at the definition, </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">“Management is coordinating work activities so that they are completed effectively and efficiently with and through other people.” </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">If we look at the word “Efficiently” it means that proper usage of resources and less wastage of them. This is one of very important aspect of management. Wastage—either in terms of: material, human capital, energy, machine utilization, or processing time, creates inefficiencies resulting in the increase of costs and consequent decrease in profits. The Holy Quran has spoken against wastage and lavish expenditure in following words: </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">“And render to the kindred their due rights, as (also) to those in want, and to the wayfarer. But waste not (your wealth, time, health, Talents, opportunities etc) in the manner of a spendthrift.” [17:26] </span></p><div style="text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">“For the wasteful are the brothers of Satan; and Satan is ungrateful to his Lord.” [17:27] </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">These are the ayat of Surah Bani-Israel and in this ayat Islam has given Muslims the golden rule of not wasting any thing. Following these principles an organization can be able to produce best quality products at the least possible cost. A Muslim must also strive to eliminate any wastage around him, at home, workplace, or in society even when faced with resistance. A very common example would be to control the use of water, food, and electricity according to the needs. Wastage o<span class="nw">f</span><span class="notranslate"> </span><span class="nw">resources such as material in the workplace, man-hours, machine-hours,</span></span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"><br /></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;">While different sects of Islam had differing views of what constituted a good Muslim leader, all could agree that Prophet Muhammad saw could be used as an example of all the qualities they desired. He was a pious man, leading by example, and showing both justice and courage in his faith. Yet he was not inflexible: he showed prudence when dealing with the Jews of Madinah and other Muslim leaders followed his lead. He promoted loyalty and showed bravery, and those qualities together with physical fitness and sharp senses were expected in all good leaders.</span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;">Islam as an all-embracing ideology adequately touches every aspect of human endeavour; ranging from spiritual, moral, socio-economic to political aspect of life. The world would have been in perfect peace if sincerely, the whole world adopts Islam as a system due to its comprehensiveness.</span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"><w:lsdexception 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style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;">Governance in the act of harnessing both the human and material resources in a particular area for the socio-economic uplift of the human population in that area. 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style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;">That is why Allah swt says: <span style="color: rgb(0, 102, 0);">“It is He (Allah) who has made the earth manageable for you, so traverse ye through its tracts and enjoy of the sustenance which He furnishes; but unto Him is the resurrection.”</span></span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: 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A leader is expected to be just and fair in his dealings. The concept of justice relating to the people is very much emphasised in many verses in the Holy Quran.</span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"><w:lsdexception locked="false" priority="9" 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style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;">Allah swt says: <span style="color: rgb(0, 102, 0);">“O ye who believe! 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style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;">The antecedents of a person is what would attest to whether he/she possesses this special quality or not.</span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;">Another quality of a leader is truthfulness. A leader is expected to be truthful in words and in action. This reflects in his fulfilling his covenants with his creator and redeeming his promises and obligations to the people.</span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"> </span></p><div style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;"><span style="font-size:100%;"> </span></div><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><br /></span></p><p style="text-align: justify; color: rgb(153, 51, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">So for those Muslims out there, are we truly capable of being a leader in the truest form? 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/></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:latentstyles></xml></m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac></m:brkbinsub></m:brkbin></m:mathfont></m:mathpr></w:cachedcolbalance></w:word11kerningpairs></w:dontvertalignintxbx></w:dontbreakconstrainedforcedtables></w:dontvertaligncellwithsp></w:splitpgbreakandparamark></w:dontgrowautofit></w:useasianbreakrules></w:wraptextwithpunct></w:snaptogridincell></w:breakwrappedtables></w:compatibility></w:donotpromoteqf></w:validateagainstschemas></w:punctuationkerning></w:trackformatting></w:trackmoves></w:worddocument></xml>SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-44349133589836117442011-04-14T00:23:00.004+08:002011-04-14T01:18:07.252+08:00HAPPY BIRTHDAY TO ME...<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRbMGRNKxAmvAwG4r7nSK4w9JhSFKe7MxZAj5dpKUfj9_K0EenuHhcVraNyqefBpBhCdJlVxwJv0IzZc_KBtmK-uu4nBYsrp-gFozD9UicFS0w7OgVO_NEOXPjFJNquyoizZAwAuns/s1600/Untitled5.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 328px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRbMGRNKxAmvAwG4r7nSK4w9JhSFKe7MxZAj5dpKUfj9_K0EenuHhcVraNyqefBpBhCdJlVxwJv0IzZc_KBtmK-uu4nBYsrp-gFozD9UicFS0w7OgVO_NEOXPjFJNquyoizZAwAuns/s400/Untitled5.jpg" alt="" id="BLOGGER_PHOTO_ID_5595115910477747570" border="0" 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style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">13<sup>th</sup> April – well, it’s my birthday yesterday</span></p><span style="font-size:100%;"> </span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 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style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">I was quite thrilled to get non-stop birthday wishes not only from my family members and dear friends, but it extends to ex-colleagues and long lost friends (from my school days)</span></p><span style="font-size:100%;"> </span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" 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style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">I was googling just now on the subject of birthday and noted that most major religions are opposed to birthday celebrations :</span></p><span style="font-size:100%;"> </span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 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style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">In Judaism, the perspective on birthday celebrations is disputed by various rabbis. In the Hebrew Bible, the one single mention of a celebration being held in commemoration of someone's day of birth is for the Egyptian Pharaoh. </span></p><span style="font-size:100%;"> </span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 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style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">The early Christians did not celebrate Christ's birth because they considered the celebration of anyone's birth to be a pagan custom. Few branches of Christianity today hold an official stance on birthdays. Jehovah's Witness refrains from celebrating birthdays on the basis that they are portrayed in a negative light in the Bible and have historical connections with magic, superstitions, and Paganism.</span></p><span style="font-size:100%;"> </span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"><w:lsdexception locked="false" 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style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">There is no consensus on the issue of birthdays in Islam. A number of Muslims celebrate birthdays, including that of Prophet Muhammad swt, while some of their co-religionists (particularly adherents to the Wahhabi ideology) will consider such a practice to be a bida'ah), an innovation based on the following sunnah :</span></p><span style="font-size:100%;"> <p style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"> </p></span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" 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style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">Prophet Muhammad saw said, </span></p><span style="font-size:100%;"> <p style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal">“Whoever introduces anything into this matter of ours that does not belong to it shall have it rejected.” </p> <p style="color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal">[Sahîh al-Bukharî and Sahîh Muslim]</p> </span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" 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face="arial" style="color: rgb(0, 102, 0);" class="MsoNormal"><span style="font-size:100%;">It is well-known that the Prophet Muhammad saw did not celebrate his birthday at all during his lifetime nor did he ever order it to be celebrated. 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face="arial" style="color: rgb(0, 102, 0);" class="MsoNormal"><span style="font-size:100%;">Well, on my birthday - I extended my thanks to Allah swt for granting me a beautiful life in this world and the realization of His presence and power at all times and in all places and to keep in mind all the favours He has granted to us whether these favours are seen or unseen (e.g., good health).</span></p><span style="font-size:100%;"> </span><span style="font-size:100%;"><br /><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" 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face="arial" style="color: rgb(0, 102, 0);" class="MsoNormal"><span style="font-size:100%;">Prophet Muhammad saw said: “Should not I be a grateful servant.” </span></p><span style="font-size:100%;"> <p face="arial" style="color: rgb(0, 102, 0);" class="MsoNormal">[Sahîh al-Bukharî and Sahîh Muslim]</p></span></div><xml><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 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CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-60370986732898600542011-04-09T02:09:00.006+08:002011-04-09T02:30:12.956+08:00HAPPY BIRTHDAY<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6pD56l3E7wgUqs9zWZ-EkJ7dNPDfQXXinkJdJpba8Ci0vQt1sS2V8Cv23En3Mf1m4AwWEfGTaHOIswiSElJ_OvdWr4qBQFbWeeDCav-lLxLywGc1mnILu32hUkMrFC18TNOGKPcYT/s1600/Untitled3.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 376px; height: 304px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6pD56l3E7wgUqs9zWZ-EkJ7dNPDfQXXinkJdJpba8Ci0vQt1sS2V8Cv23En3Mf1m4AwWEfGTaHOIswiSElJ_OvdWr4qBQFbWeeDCav-lLxLywGc1mnILu32hUkMrFC18TNOGKPcYT/s400/Untitled3.jpg" alt="" id="BLOGGER_PHOTO_ID_5593280469644806690" border="0" /></a><br /><br /><br 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unhidewhenused="false" qformat="true" name="Intense Emphasis"></w:lsdexception><w:lsdexception locked="false" priority="31" semihidden="false" unhidewhenused="false" qformat="true" name="Subtle Reference"></w:lsdexception><w:lsdexception locked="false" priority="32" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Reference"></w:lsdexception><w:lsdexception locked="false" priority="33" semihidden="false" unhidewhenused="false" qformat="true" name="Book Title"></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:latentstyles></xml><p face="arial" style="color: rgb(153, 51, 0); font-family: arial; font-weight: bold; text-align: justify;" class="MsoNormal">Yesterday 8<sup>th</sup> April was my elder brother’s birthday…. He is staying in the east coast of West Malaysia and I surely hope that he had a nice and wonderful celebration with his family there.</p><div style="text-align: justify;"><br /><xml style="font-family: arial; font-weight: bold;"><w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"><w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"><w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"><w:lsdexception locked="false" priority="9" qformat="true" name="heading 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Title"></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:latentstyles></xml></div><p face="arial" style="color: rgb(153, 51, 0); font-family: arial; font-weight: bold; text-align: justify;" class="MsoNormal">Despite the joyous moment, my dad is still recuperating in hospital due to pneumonia. He gave us a scare when the infection in the lungs triggered a mild heart attack. 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Title"></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:lsdexception></w:latentstyles></xml></div><p face="arial" style="color: rgb(153, 51, 0); font-family: arial; font-weight: bold; text-align: justify;" class="MsoNormal">If my brother is reading my blog, I just want him to know that even though we are not close, I will always love and respect him. 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CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-60614865792129240752011-04-09T01:13:00.006+08:002011-04-09T01:51:58.360+08:00WHAT IS LIFE?<div style="text-align: justify;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixbaJI-PVW916SRGr6c9OnrMmDZfFOeY2AWsAXLCTOeFhxiMVqGNAXKJxMSM4oLik8y4iKdD5UHVLpvlmOMob23GrJNXnrjnGaDQK2Mw_B7CWmF0K6JIDOumBrHspF4HKqTCwDIdMR/s1600/Untitled.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 294px; height: 260px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixbaJI-PVW916SRGr6c9OnrMmDZfFOeY2AWsAXLCTOeFhxiMVqGNAXKJxMSM4oLik8y4iKdD5UHVLpvlmOMob23GrJNXnrjnGaDQK2Mw_B7CWmF0K6JIDOumBrHspF4HKqTCwDIdMR/s400/Untitled.jpg" alt="" id="BLOGGER_PHOTO_ID_5593271090127479698" border="0" /></a><span style="color: rgb(0, 102, 0); font-family: arial;font-family:arial;font-size:100%;" ><b><span style="" lang="EN-US">I just lost a colleague a couple of months back – he passed away as a result of a stroke. One weekend, while driving home from a golf range, he lost consciousness. His friend rushed him to a nearby hospital and a few days later, he died. He had a wife and beautiful children and what I heard is that he has just bought a bigger house and a luxury car.</span></b></span> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="" lang="EN-US"><br /></span></b></span></p><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="" lang="EN-US">He was my age – and his untimely death makes me ponder about my life. I know for a fact that I don’t lead a healthy lifestyle and most of my time is spent at the office, while my weekends are basically reserved for my books, studies etc. </span></b></span></p><div style="text-align: justify;"> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="" lang="EN-US"><br /></span></b></span></p><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="" lang="EN-US">Given the short life that I have … am I living a meaningful life? So, I seek solace to the very basics of Islamic way of living … </span></b></span></p><div style="text-align: justify;"> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style=""><br /></span></b></span></p><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="">Islam was revealed as a balanced way of living. Allah swt created all human race with what is called 'Fitrah' (a natural state/desire). Islam recognises that within this Fitrah there are motivations that influence a man's role on earth.</span></b></span></p><div style="text-align: justify;"> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style=""><br /></span></b></span></p><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="">Islam is the perfect control for the Fitrah. It provides a divine method that elevates man above animals and the rest of creation. Humans lack perfect knowledge as well as perfect wisdom. No matter how hard we try, we will never attain the perfect way of life by our own thinking and interpretation. This is the reason why Allah swt sent us the Holy Quran and the Prophet Muhammad saw to show us this practical and organised way of life. </span></b></span></p><div style="text-align: justify;"> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style=""><br /></span></b></span></p><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="">Allah swt perfected a complete way of life for us. He has set His limitations and rules, all of which are beneficial to mankind, and therefore, do not need changing: </span></b></span></p><div style="text-align: justify;"> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="">"<span style="color: rgb(153, 0, 0);">These are the limits set by Allah, so do not transgress them</span>"<br />(Surah al-Baqarah 2:229) </span></b></span></p><div style="text-align: justify;"> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style=""><br /></span></b></span></p><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="">The inclinations and desires of the Fitrah are not to become the objective in life, rather they are to be taken in a stabilised manner. Allah swt has given us the detailed descriptions of a levelled approach. This levelled approach gives mankind the perfectly balanced pleasure in this worldly life. </span></b></span></p><div style="text-align: justify;"> </div><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style=""><br /></span></b></span></p><p style="color: rgb(0, 102, 0); font-family: arial; text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><b><span style="">I hope to attain the balance between worldly affairs and the hereafter – as I’ve said earlier, whenever one gets astray, go back to the basics of Islam and you will find your answers and peace of mind.</span></b></span></p><br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9bF8VAtJVlzScOJ9zFU-r3KhaPXmQPp2LMhDWqa7nDRqjs4EliWXxmAZtx-mgkAw1SV3g4nt85roXJfKQUitpotx4IcJ0h8D054AgMw_FzkSVfwCLZNaY7jYQoTHjoGx81W_ecYX7/s1600/Untitled1.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 400px; height: 277px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9bF8VAtJVlzScOJ9zFU-r3KhaPXmQPp2LMhDWqa7nDRqjs4EliWXxmAZtx-mgkAw1SV3g4nt85roXJfKQUitpotx4IcJ0h8D054AgMw_FzkSVfwCLZNaY7jYQoTHjoGx81W_ecYX7/s400/Untitled1.jpg" alt="" id="BLOGGER_PHOTO_ID_5593270643405974498" border="0" /></a>SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-75375117458771084432011-04-08T00:38:00.011+08:002011-04-08T01:28:27.726+08:00MARHABAN... AFTER A YEAR HIATUS...<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWq4Iu9LbNKwRQ3quAHzgOA8leTKtxrivc8_dQhbaXxaiXXESLEQsmfVhSODlWWVNO8VCmy6Oax_5Wjgj47PlsmgUelub0iQSOi1nKHOHUAsddK0yX_UNNpgP6lDelKxCRWXbVjyom/s1600/Untitled.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 349px; height: 173px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWq4Iu9LbNKwRQ3quAHzgOA8leTKtxrivc8_dQhbaXxaiXXESLEQsmfVhSODlWWVNO8VCmy6Oax_5Wjgj47PlsmgUelub0iQSOi1nKHOHUAsddK0yX_UNNpgP6lDelKxCRWXbVjyom/s400/Untitled.jpg" alt="" id="BLOGGER_PHOTO_ID_5592890264996031762" border="0" /></a><br /><br 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</w:lsdexception><!--[endif]--><!----> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:auto; mso-para-margin-right:0cm; mso-para-margin-bottom:auto; mso-para-margin-left:0cm; text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <!--[endif]--><p style="color: rgb(102, 0, 204); font-weight: bold; font-family: arial;" class="MsoNormal">Ahlan wa sahlan… it’s been a while since my last posting about more than a year ago. My long hiatus from blogging can be due to many reasons, none of which I plan to elaborate here.</p><p style="color: rgb(102, 0, 204); font-weight: bold; font-family: arial;" class="MsoNormal"><br /></p><p style="color: rgb(102, 0, 204); font-weight: bold; font-family: arial;" class="MsoNormal">I just came back from a 2-week umrah trip with my family about a few days ago and boy, I seem to never want to come back home after every trip to the holy cities of Madina and Makkah.</p><p style="color: rgb(102, 0, 204); font-weight: bold; font-family: arial;" class="MsoNormal"><br /></p><p style="color: rgb(102, 0, 204); font-weight: bold; font-family: arial;" class="MsoNormal"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-iXPna9LFA-GUeDGxXz35H_1pj6CxwX0uP0nBUfGy3kueWBPyVXlO1bEyzjcq-37EfEqQu9MhkpwGux2ei41CovN_mXkwHu7CouJVBgAdfWgDFPju9fVvJ8XI8mMpPzgdgmN23GER/s1600/umrah.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 239px; height: 184px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-iXPna9LFA-GUeDGxXz35H_1pj6CxwX0uP0nBUfGy3kueWBPyVXlO1bEyzjcq-37EfEqQu9MhkpwGux2ei41CovN_mXkwHu7CouJVBgAdfWgDFPju9fVvJ8XI8mMpPzgdgmN23GER/s400/umrah.jpg" alt="" id="BLOGGER_PHOTO_ID_5592890265780811938" border="0" /></a></p> <p class="MsoNormal" face="arial" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold;"><br /></p><p class="MsoNormal" face="arial" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold;">One can never manage to explain the feelings from simple rituals of umrah like :</p> <p class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· The wearing of Ihram before entering the Miqat boundary</p> <p class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· The performance of two rakaah of Sunnatul Ihram</p> <p class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· The recitation of niyyah and Talbiyah</p> <p class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· The advancement towards Makkah Al-Mukarramah while constantly reading the Talbiyah</p> <p class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· The performance of Tawaf with Idh’tibaa and Ramal</p> <p class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· The performance of two rakaah of Sunnatul Salaah after Tawaf behind Maqam Ibrahim</p> <p class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· Advancement to the Multazam to make Du’a and drink Zamzam water</p> <p class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· Performance of Sa’ee between Safa and Marwa</p> <p class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0.0001pt 36pt; text-indent: -18pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">· Shaving or trimming the hair of the head as a symbol of Tahallul</p> <p class="MsoNormal" face="arial" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold;"> </p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;"><br /></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">A non-Muslim friend once asked me about umrah and why one would want to perform an umrah. Well, my answer is simple yet sweet :</p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">“Umrah is a 'lesser Hajj'. Its benefits are that it is an act of obedience to Allah swt, and expression of one's slavehood to Allah swt through spending one's wealth and time, exerting oneself physically; and manifesting one's thankfulness and commitment to Allah swt through sacred rituals (as mentioned above).”</p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;"> </p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;"><br /></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">In fact, Allah swt says in the Holy Qur’an (2 : 196) the following :</p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;">"fulfill Hajj and Umrah to Allah". </p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(102, 0, 204); font-weight: bold; font-family: arial;"><br />In addition, Prophet Muhammad saw has described the great merits of performing Umrah by saying :</p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; color: rgb(153, 0, 0); font-weight: bold; font-family: arial;">1- "The people who come to perform Hajj or Umrah are the guests of Allah swt because they visit His House on His Call; therefore, Allah swt grants them what they ask for"</p> 2- "One Umrah becomes an atonement for the sins committed up to the next Umrah"<br /><br /><span style="font-family: arial; font-weight: bold; color: rgb(102, 0, 204);">For those Muslims out there with sufficient funds in their bank accounts, do not wait until you are old and grey before deciding to perform Umrah. Go while you are still young and capable – you’ll be surprised by the wealth of experience and wonders. Do share with me and the rest of the world your umrah experiences... </span><br /><br /><br 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mso-para-margin-bottom:auto; mso-para-margin-left:0cm; text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">I have been neglecting my blog for quite some time – I am really (100x) swamped with so many things to do ….
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<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">Last Saturday, I attended a lecture by Prof Murat Cizakca and boy, did I enjoyed the 3 ½ hours session. The topic discussed was pertaining to Islamic economy and re-distribution of income.</span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">One of the thought-provoking discussions during the session was pertaining to the profit and loss sharing mechanism in Islamic financial contracts (e.g., <i>mudaraba</i> and <i>musharaka</i>) – and the discussion continued to power sharing of the government and state.</span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">Islam promotes justice and equity for all </span><span lang="EN-US" style="font-size:100%;"><span style="">à</span></span><span lang="EN-US" style="font-size:100%;"> therefore, all Islamic countries ideally should be practicing democracy. A case in point to illustrate the ideal concept is during the Prophet saw’s time, the Prophet being a messenger of Allah swt who gets the revelation first hand from the Angel Gabriel, held consultations with the <i>Sahabah</i>. Therefore, those people out there who never stop to accuse Islam of being a proponent to autocracy know little about the religion at all.</span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">However, we must also not forget that Islam also wants all its followers to be moderate in everything that we do. We know what 100% freedom/democracy entails </span><span lang="EN-US" style="font-size:100%;"><span style="">à</span></span><span lang="EN-US" style="font-size:100%;"> if not restrained, full democracy can create havoc to a nation, too.
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<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">The fundamental concepts of democracy, namely, protection of individual rights, freedom of speech, freedom of information, and pluralism are enshrined in a constitution, adopted by parliaments, elected by universal suffrage, and enforced by independent courts and an accountable and transparent administrative system. Sadly, this model is absent in large parts of the world, including many countries with conservative Islamic traditions.</span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">I found one article written by Salman Ahmad (a lecturer in University of Hyderabad) which was published last month titled “</span><span style="font-size:100%;">Ethical Crisis in Capitalism: Filling the Ethical Void with Islamic EconomicTeachings in Economic Practices” </span><span style="font-size:100%;">which I personally find very interesting. Below is the abstract of the paper :</span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><i><span style="">“This paper discusses the ethical void in Capitalism which does not look prominent in welfare societies and states. But, its effects become more eminent in tough economic conditions and more so in developed regions where economic relationships by themselves will not result in win-win situation for all parties concerned in a Capitalist economy. Unbridled pursuit of self interest, moral relativism, inventive-led economic choices and apathy to communal responsibilities would lead to a society where economic interests become the sole basis of maintaining and sustaining relationships. This inner void of identity and purpose at individual level and social void in the form of a stratified society bound together only for economic interests can be better filled with incorporating religion. Humans are much more than utility driven species, they are capable of using both instrumental and critical reasons to differentiate right from wrong and need reinforcement to adopt virtues influenced by an inner urge other than material interests as in Capitalism. This inner urge can be rekindled by looking beyond utility maximization to reacknowledge the fundamental identity that humans are moral being than just an instrument for material advancement.”<o:p></o:p></span></i></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">I do not know when will the act of religion profiling will stop especially in the West, however, I wish to end my entry with something that I hope will make you stop and think :</span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">In Islam, we are taught to only do good in the world and all our deeds are going to be judged in the Hereafter because as Muslims, we believe that life does not end after death. Therefore, as believers, we know that if we were to do evil things, we will be punished in Hell.
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<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 51);font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;">Riding on the same notion, the non-Muslims should also not judge the Muslims at large for the acts of a few fanatics out there. In fact, all religions promote peace and harmony, so it is kind of strange when Islam (out of the many religions out there) is being singled out </span><span lang="EN-US" style="font-size:100%;">unless the West is really scared that their “Christendom” is moving towards “Islamdom” due to the high conversion rate of their citizens to Islam in the past decade.
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<br /></span><span lang="EN-US" style="font-size:100%;"><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 51); font-family: arial;"> </div><p style="text-align: justify;font-family:arial;" class="MsoNormal"><span lang="EN-US" style="font-size:100%;"><span style="font-weight: bold; color: rgb(102, 51, 51);">I just hope that we (Muslims and non-Muslims alike) can all live peacefully with no race/religion profiling whatsoever in this world.
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<br /><span style=";font-family:";font-size:12;" lang="EN-US"><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com2tag:blogger.com,1999:blog-2273346711175608327.post-13997003507875725932010-01-02T11:21:00.006+08:002010-01-02T12:01:07.660+08:00HAPPY NEW YEAR 1431<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgf7kjf5nBfXzNZHEnwcy-RQt5tns6zE81R8vNKkBuukND_9kSUGTsfo_UJeyOJJgWI1cX1R21cPA4yurMLCy9Gd2YStoQ1_CzcP4qK-s59TVm7P-G5ZFT8FcVrGcNus91PNqKJaZHo/s1600-h/t7hmjn.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 290px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgf7kjf5nBfXzNZHEnwcy-RQt5tns6zE81R8vNKkBuukND_9kSUGTsfo_UJeyOJJgWI1cX1R21cPA4yurMLCy9Gd2YStoQ1_CzcP4qK-s59TVm7P-G5ZFT8FcVrGcNus91PNqKJaZHo/s400/t7hmjn.jpg" alt="" id="BLOGGER_PHOTO_ID_5421984340275780098" border="0" /></a>
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bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">The Islamic new </span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">year (1<sup>st</sup> Muharram 1431)</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"> fell on Friday, exactly 1 we</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">ek before 1<sup>st</sup> January 2010.</span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Muslims consider this day to commemorate the</span></span><span style="font-size:100%;"><span style="font-size:12;"> Hijrah or emigration of Muhammad to Madinah city. </span></span><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"></span></span><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilMAD9OJ9RfWumiRO85lL1fwLTMU8uOTUdb3-rioObBSrx9Lw_hRIlN3JNWomrWY69D2eFGAsGV2AzZVAMKvGRhTe5DbupPlMcRfGvX-Q7wBvrR_QPAtly18lLHQON4Ov3QHIirfzY/s1600-h/2180157778_560dee9e89.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilMAD9OJ9RfWumiRO85lL1fwLTMU8uOTUdb3-rioObBSrx9Lw_hRIlN3JNWomrWY69D2eFGAsGV2AzZVAMKvGRhTe5DbupPlMcRfGvX-Q7wBvrR_QPAtly18lLHQON4Ov3QHIirfzY/s400/2180157778_560dee9e89.jpg" alt="" id="BLOGGER_PHOTO_ID_5421984331013958450" border="0" /></a></span></p> <div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Unlike the New Year celebrations of other cultures, the Islamic New Year is celebrated quietly. Prayers are offered and readings from Quran are done throughout the day. Muslims do not traditionally celebrate the starting of a new year but they take time to reflect upon human mortality. The most important aspect of the Islamic New Year is the narration of the story of the Flight to Madinah. </span></span></p> <div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">The Islamic calendar was first introduced by the close companion of the Prophet saw, 'Umar ibn Al-Khattab. During his leadership of the Muslim community, in approximately 638 A.D., he consulted with his advisors in order to come to a decision regarding the various dating systems used at that time. It was agreed that the most appropriate reference point for the Islamiccalendar was the <i>Hijrah</i>, since it was an important turning point for the Muslim community. After the emigration to Madinah (formerly known as Yathrib), the Muslims were able to organize and establish the first real Muslim "community," with social, political, and economic independence. Life in Madinah allowed the Muslim community to mature and strengthen, and the people developed an entire society based on Islamic principles.</span></span></p> <div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">The Islamic year has twelve months that are based on a lunar cycle. Allah swt says in the Quran:</span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><i><span style="font-size:12;">"<span style="color: rgb(255, 0, 0);">The number of months in the sight of Allah is twelve (in a year) - so ordained by Him the day He created the heavens and the earth....</span>"</span></i><span style="font-size:12;"> (9:36).</span></span></p> <div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><i><span style="font-size:12;">
<br /></span></i></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><i><span style="font-size:12;">"<span style="color: rgb(255, 0, 0);">It is He Who made the sun to be a shining glory, and the moon to be a light of beauty, and measured out stages for it, that you might know the number of years and the count of time. Allah did not create this except in truth and righteousness. And He explains His signs in detail, for those who understand</span>"</span></i><span style="font-size:12;"> (10:5).<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">And in his final sermon before his death, the Prophet Muhammad saw said, among other things, <i>"<span style="color: rgb(255, 0, 0);">With Allah the months aretwelve; four of them are holy; three of these are successive and one occurssingly between the months of Jamaadil and Sha'ban</span>."</i><o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Islamic months begin at sunset of the first day, the day when the lunar crescent is visually sighted. The lunar year is approximately 354 days long, so the months rotate backward through the seasons and are not fixed to the Gregorian calendar. The months of the Islamic year are:</span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">1. <i>Muharram</i></span><span style="font-size:12;"> ("Forbidden" - it is one of the four months during which it is forbidden to wage war or fight)<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">2. <i>Safar</i></span><span style="font-size:12;"> ("Empty" or "Yellow")<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">3. <i>Rabiul Awal</i></span><span style="font-size:12;"> ("First spring")<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">4. <i>Rabiul Thani/Akhir</i></span><span style="font-size:12;"> ("Second spring")<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">5. <i>Jamaadil Awal</i></span><span style="font-size:12;"> ("First freeze")</span></span></p> <div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">6. <i>Jamaadil Thani/Akhir</i></span><span style="font-size:12;"> ("Second freeze")<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">7. <i>Rajab</i></span><span style="font-size:12;"> ("To respect" - this is another holy month when fighting is prohibited)<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">8. <i>Sha'ban</i></span><span style="font-size:12;"> ("To spread and distribute")<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">9. <span style=""> </span><i>Ramadhan</i> </span><span style="font-size:12;">("Parched thirst" - this is the month of daytime fasting)<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">10. <i>Shawwal</i></span><span style="font-size:12;"> ("To be light and vigorous")</span></span></p> <div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">11. <i>Dzulkaedah</i></span><span style="font-size:12;"> ("The month of rest" - another month when no warfare or fighting is allowed)<o:p></o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div> <p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">12. <i>Dzulhijjah</i></span><span style="font-size:12;"> ("The month of Hajj" - this is the month of the annual pilgrimage to Makkah, again when no warfare or fighting is allowed)</span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p> <div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102); font-family: arial;"> </div><p style="text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-weight: bold; color: rgb(0, 0, 102);">To all my Muslim brothers and sisters, Happy New Year – May we always be in the protection of Allah swt.</span></span></p><p style="text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-weight: bold; color: rgb(0, 0, 102);">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLxlMdjqVXDZfZm8Ey06eySCRqEHvjt4ehqZtLZFUT3R-B-hrMb6IaaxcrZ0MSj4O8wAgmDO0GKjhmHjStg6T6-tXKmD5XSnnB0FbvpjllxtIDIaenN3GxQRcnCWS6O7Sth4R-S05G/s1600-h/184546107o460180710.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 300px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLxlMdjqVXDZfZm8Ey06eySCRqEHvjt4ehqZtLZFUT3R-B-hrMb6IaaxcrZ0MSj4O8wAgmDO0GKjhmHjStg6T6-tXKmD5XSnnB0FbvpjllxtIDIaenN3GxQRcnCWS6O7Sth4R-S05G/s400/184546107o460180710.jpg" alt="" id="BLOGGER_PHOTO_ID_5421984326410185330" border="0" /></a></span></p> <p style="text-align: justify;" class="MsoNormal">
<br /><span style=";font-family:";font-size:12;" ><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com2tag:blogger.com,1999:blog-2273346711175608327.post-40638157147617696882009-12-23T15:21:00.005+08:002009-12-23T15:30:17.555+08:00CENTRAL BANK ACT 2009<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjeQhW5Sop-wLaGpmcnM-HFtT9UWrw2ffwJV2tU8NjZcC436nAtxGywUCHzdonCHDx79HxuXgQiXbR2S4-t8HEPMsrcVwMj8RwkeLgbvC3OAwThCsoCGlJDbPEnAx4R2TfTL09txsXu/s1600-h/bnm.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 262px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjeQhW5Sop-wLaGpmcnM-HFtT9UWrw2ffwJV2tU8NjZcC436nAtxGywUCHzdonCHDx79HxuXgQiXbR2S4-t8HEPMsrcVwMj8RwkeLgbvC3OAwThCsoCGlJDbPEnAx4R2TfTL09txsXu/s400/bnm.jpg" alt="" id="BLOGGER_PHOTO_ID_5418329299228829858" border="0" /></a>
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text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">Extracted from MIFC :</span></p><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">The new <a href="http://www.interasp.com.my/interx/tracker?op=click&id=1fef.4b0&url=http%3A%2F%2Fwww.bnm.gov.my%2Fdocuments%2Fact%2FCBA%2520Bill%2520-%2520lawnet.pdf&url=http%3A%2F%2Fwww.bnm.gov.my%2Fdocuments%2Fact%2FCBA%2520Bill%2520-%2520lawnet.pdf" target="_blank">Central Bank Act 2009</a>, Act 701 of the Laws of Malaysia, which came into force on 25 November 2009, heralds inter alia a new era for the Islamic finance industry in the country. <o:p></o:p></span></p><div style="text-align: justify; font-weight: bold; font-family: arial;"> </div><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">The Act which received Royal Assent on 19 August 2009 and which was published in the Gazette on 3 September 2009, has direct relevance to the Islamic finance industry in Malaysia in several crucial areas. Malaysia is the only country in the world where such provisions relating to the Islamic finance industry and its regulation and supervisions are specifically included in a central bank act. <o:p></o:p></span></p><div style="text-align: justify; font-weight: bold; font-family: arial;"> </div><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">What makes Malaysia stand out from other international Islamic financial markets is that under the Central Bank Act 2009 Part VII Chapter 2, Bank Negara Malaysia (BNM), the central bank, is required by law to promote Malaysia as an international Islamic financial centre. Article 60, for instance, requires BNM "shall, in co-operation with the Government or any Government agency, statutory body, supervisory authority or international or supranational organization, develop and promote Malaysia as an international Islamic financial centre".<o:p></o:p></span></p><div style="text-align: justify; font-weight: bold; font-family: arial;"> </div><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">Under the provisions of Part V1 Chapter 1 of the Act pertaining to 'Financial Stability Functions and Powers of BNM', the central bank is specifically armed with various powers for promoting financial stability in the system. <o:p></o:p></span></p><div style="text-align: justify; font-weight: bold; font-family: arial;"> </div><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">In a speech to a seminar on Islamic finance at the Banca D'Italia, the central bank, held on 11 November 2009 in Rome, Dr Zeti, Governor of BNM, stressed that from a Central Bank's perspective, "ensuring financial stability of the Islamic financial system is the paramount objective. Integral to the efforts in the development of Islamic finance, is therefore, the strengthening of the regulatory and supervisory framework."
<br />
<br />Malaysia already has the legal, regulatory and supervisory framework that takes into account the distinctive features of Islamic finance in place, although it continually strives to put in place a comprehensive infrastructure to deal with the new challenges confronting the international financial system. <o:p></o:p></span></p><div style="text-align: justify; font-weight: bold; font-family: arial;"> </div><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="color: rgb(0, 102, 0); text-align: justify; font-weight: bold;font-family:arial;" class="MsoNormal"><span style="font-size:100%;">"Looking beyond the current crisis, an integrated crisis management framework will be part of this infrastructure. It is recognised that a more facilitative and modernised legal framework is required and that the boundaries of the regulatory framework for Islamic finance would have to be regularly adapted to keep pace with the evolution and transformation of the financial system. The supervisory framework for Islamic finance is being reinforced by a financial safety net framework that comprises the lender of last resort facility and a deposit insurance system. These financial arrangements are now in place in Malaysia. Similarly, the institutional arrangements for the resolution of troubled Islamic financial institutions are of equal importance. In Malaysia, we have in place a mandated resolution mechanism to provide for expedient, effective and cost efficient resolution of Islamic financial institutions," she explained.
<br />
<br />Article 27 of the Central Bank Act 2009 stipulates that "the financial system in Malaysia shall consist of the conventional financial system and the Islamic financial system". Malaysia is the only country in the world that has enshrined this Dual Model approach in banking in the Law of the Land. In her speech to delegates at the Banca D'Italia seminar, Dr Zeti further clarified that "in such a dual system attention needs to be given to avoid the potential for regulatory arbitrage that may result in distortions that undermines the environment of a level playing field between conventional finance and Islamic finance. The development of the legal and regulatory framework for Islamic financial services industry is therefore grounded on the principle of neutrality in ensuring no worse off treatment when compared to conventional finance in terms of the taxation, laws and regulations".<o:p></o:p></span></p><div style="text-align: justify; font-weight: bold; font-family: arial;"> </div><p style="text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(0, 102, 0); font-weight: bold;">
<br /></span></span></p><p style="text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(0, 102, 0); font-weight: bold;">Similarly, Part VII Chapter 1 of the Act relating to Islamic Financial Business, comprehensively outlines the important functions and powers of the SAC of BNM. Perhaps the two most important new provisions under Part XI are those relating to the rulings of the SAC. Article 57 stipulates that any ruling made by the SAC pursuant to a reference made under this Part shall be binding on the Islamic financial institutions under section 55 and the court or arbitrator making a reference under section 56. Article 58 further reinforces this by effectively making the SAC the Shariah Authority of Last Resort. "Where the ruling given by a Shariah body or committee constituted in Malaysia by an Islamic financial institution is different from the ruling given by the SAC, the ruling of the SAC shall prevail," it states.</span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /><span style=";font-family:";font-size:12;" ><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-60706710557065991172009-12-07T08:50:00.008+08:002009-12-07T09:00:47.131+08:00EFFECTS OF DUBAI DEFAULTS ON ISLAMIC FINANCE INDUSTRY<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdu7kmz3OVL4sGgxAINRMWSSBlyROOzbyZo7NpwhIbMlVzVWArYFV1kvKWqfN_44TRG_b72Ovsg8q_g6s9OBsc1FtdVQSoX14n9IS4APcE9FCTjwL1QXuAE1yZvC3VqQpPt5tNonQI/s1600-h/IMG_0119.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdu7kmz3OVL4sGgxAINRMWSSBlyROOzbyZo7NpwhIbMlVzVWArYFV1kvKWqfN_44TRG_b72Ovsg8q_g6s9OBsc1FtdVQSoX14n9IS4APcE9FCTjwL1QXuAE1yZvC3VqQpPt5tNonQI/s400/IMG_0119.JPG" alt="" id="BLOGGER_PHOTO_ID_5412291145205685666" border="0" /></a>
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</style> <![endif]--> <p style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;" class="MsoNormal"><span class="txtmn" style="font-size:100%;"><span style="">The financial tsunami has finally struck the c</span></span><span class="txtmn" style="font-size:100%;"><span style="">oast of the Arab Gulf, after it managed to av</span></span><span class="txtmn" style="font-size:100%;"><span style="">oid this for more than one year, to the point that many believed that the</span></span><span class="txtmn" style="font-size:100%;"><span style=""> region had emerged from the crisis without suffering any losses. However</span></span><span class="txtmn" style="font-size:100%;"><span style=""> the world, and the Gulf States, woke up last Wednesday following the cl</span></span><span class="txtmn" style="font-size:100%;"><span style="">osure of the Dubai markets to the news that Dubai World had requested a six-month halt to debt pa</span></span><span class="txtmn" style="font-size:100%;"><span style="">yments that amount to around $3.5 billion, and t</span></span><span class="txtmn" style="font-size:100%;"><span style="">his is in the framework of restructuring the company's debts that total </span></span><span class="txtmn" style="font-size:100%;"><span style="">around $59 billion.</span></span></p><p style="font-weight: bold; color: rgb(153, 0, 0);" class="MsoNormal">
<br /><span class="txtmn"><span style=";font-family:";font-size:12;" ><o:p></o:p></span></span></p> <p style="font-weight: bold; color: rgb(153, 0, 0);" class="MsoNormal"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKQXgcJhA5DTUeJCV0CFnwD6udfoiUgWleAtfUXF7Q05NdZrqgWg0RNmdW-jiI1gZU0KJjhV-eCr1GBRbX8e7SEICjucHmB_sXsTEomJgZo6qxIa0CRrCLepWZyX1n77GaY7sPlmA4/s1600-h/IMG_0100.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKQXgcJhA5DTUeJCV0CFnwD6udfoiUgWleAtfUXF7Q05NdZrqgWg0RNmdW-jiI1gZU0KJjhV-eCr1GBRbX8e7SEICjucHmB_sXsTEomJgZo6qxIa0CRrCLepWZyX1n77GaY7sPlmA4/s400/IMG_0100.JPG" alt="" id="BLOGGER_PHOTO_ID_5412291137923575266" border="0" /></a></p><p style="font-weight: bold; color: rgb(153, 0, 0);" class="MsoNormal"><span style=";font-family:";font-size:12;" >
<br /></span></p><p style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">Dubai was poised to become the financial centre for the Islamic banking industry, and a gateway for Islamic banking in the Middle East, as due to Dubai's position, the Gulf region was able for the first time in 2007 to surpass Malaysia in the issuance of <span style="font-style: italic;">Sukuk.</span> Dubai also sought to make the Dubai International Financial Centre [DIFC] the centre for Islamic finance as well, and last year DIFC sought to make Dubai Gold Securities compatible with the provisions of Shariah, which was through cooperation between the World Gold Council, and Dubai Multi Commodities Centre.<o:p></o:p></span></p> <p style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">It seems that the endeavour to turn Dubai into a centre for Islamic banking will be strongly affected by the results of the financial crisis that Dubai is suffering from today, and which is due to Dubai World and Nakheel Properties’ inability to pay their debts. This news shook Dubai's financial credibility, and raised many questions over Dubai's financial transparency, as many investors and creditors had received assurances over the past month from officials that Dubai would be able to meet its financial obligations.<o:p></o:p></span></p> <p style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">Let us see the issues at hand :<o:p></o:p></span></p> <p class="MsoNormal" style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p class="MsoNormal" style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;"><span style="font-size:100%;">a) There could be “contagion”-type effects that could affect the creditworthiness of related entities, particularly those that have lent to Dubai World. Most of those are either UAE-related or European banks<o:p></o:p></span></p> <p class="MsoNormal" style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;"><span style="font-size:100%;">b) Secondary aftershocks too would be entities similar to Dubai — other places in the world that have borrowed a lot Thus many emerging markets are getting hit in this mini-crisis by rising borrowing costs.<o:p></o:p></span></p> <p class="MsoNormal" style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;"><span style="font-size:100%;">c) More borrowing to solve the Dubai crisis makes another one more likely.<o:p></o:p></span></p> <p class="MsoNormal" style="font-weight: bold; color: rgb(153, 0, 0);font-family:arial;"><span style="font-size:100%;">d) Risk that an isolated default can spread then rises, as an increasingly leveraged financial system comes more and more to resemble a massive arrangement of dominoes. The more leverage on any entity, the taller that domino. The more leverage in the system, the more tightly the dominoes are spaced. That arrangement collapses when someone knocks over a key domino.<o:p></o:p></span></p> <span style=";font-family:";font-size:100%;" >
<br /></span><div style="text-align: justify;"><span style="color: rgb(0, 102, 0);font-family:";font-size:100%;" ><span style="color: rgb(153, 0, 0); font-family: arial; font-weight: bold;font-family:arial;font-size:100%;" >One fact remains - A default by Dubai will put the world of Islamic finance to the test at a time when hard questions are being asked by bankers and lawyers about the protection afforded by financial instruments based on </span><span style="font-style: italic; color: rgb(153, 0, 0); font-family: arial; font-weight: bold;font-family:arial;font-size:100%;" >Shariah</span><span style="color: rgb(153, 0, 0); font-weight: bold;"><span style="font-family: arial;font-family:arial;font-size:100%;" >.</span></span></span>
<br /></div><span style=";font-family:";font-size:100%;" ><span style="color: rgb(153, 0, 0); font-weight: bold;">
<br /></span></span>SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-42930461617561148412009-12-07T08:32:00.002+08:002009-12-07T08:35:46.983+08:00IS THERE A "GOLD" BUBBLE?<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1ijn-gScniNGBrkgwmfw9-8mrgOMVQ4QEkXKdTxApbPf8aeN2IOswql03iWXlHAd183EK6tC9Qj2bwqncRqFlSnNUL-Aihk6lJ78JbKeRPIgr9k73nt-rF_uEv4fIZzm62ldvQP-9/s1600-h/103.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 398px; height: 265px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1ijn-gScniNGBrkgwmfw9-8mrgOMVQ4QEkXKdTxApbPf8aeN2IOswql03iWXlHAd183EK6tC9Qj2bwqncRqFlSnNUL-Aihk6lJ78JbKeRPIgr9k73nt-rF_uEv4fIZzm62ldvQP-9/s400/103.jpg" alt="" id="BLOGGER_PHOTO_ID_5412285946233955250" border="0" /></a>
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Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:PMingLiU; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Arial; mso-bidi-theme-font:minor-bidi;} p {mso-style-noshow:yes; mso-style-priority:99; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman";} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:PMingLiU; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Arial; mso-bidi-theme-font:minor-bidi;} .MsoPapDefault {mso-style-type:export-only; mso-margin-top-alt:auto; mso-margin-bottom-alt:auto; text-align:justify; text-justify:inter-ideograph;} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 72.0pt 72.0pt 72.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:auto; mso-para-margin-right:0cm; mso-para-margin-bottom:auto; mso-para-margin-left:0cm; text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="font-weight: bold; text-align: justify; color: rgb(153, 153, 0); font-family: arial;font-family:arial;"><span style="font-size:100%;">Gold has been on a record-breaking climb over the past few months as the dollar weakens. The precious metal is seen as a good hedge against a weak dollar and potential inflation because of its stable store of value.<o:p></o:p></span></p><div style="text-align: justify; color: rgb(153, 153, 0); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 153, 0); font-family: arial;font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 153, 0); font-family: arial;font-family:arial;"><span style="font-size:100%;">Just over a year ago, gold prices hit a low of around US$700. That was at the height of the financial crisis, when investors were dumping stocks and commodities across the board. The US Dollar has weakened steadily this year as low interest rates encourage investors to buy assets other than cash, like stocks and commodities, and potentially reap higher returns.<o:p></o:p></span></p><div style="text-align: justify; color: rgb(153, 153, 0); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 153, 0); font-family: arial;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 153, 0); font-family: arial;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:100%;">I think there’s a bubble in gold as usually the drive to gold is a flight from currency based on fears of inflation.</span><span style="font-size:100%;"> </span><span style="font-size:12;"><span style="font-size:100%;">The gold seems to be becoming the favourite investment around as the traders are afraid of the crisis In such an environment gold looks like a good investment to save one’s assets and to multiply them if you trade with a considerable leverage.</span> <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 153, 0); font-family: arial;"> </div><p style="text-align: justify; font-family: arial;" class="MsoNormal"><span style=";font-size:100%;" ><span style="font-weight: bold; color: rgb(153, 153, 0);">
<br /></span></span></p><p style="text-align: justify; font-family: arial;" class="MsoNormal"><span style=";font-size:100%;" ><span style="font-weight: bold; color: rgb(153, 153, 0);">However, there is one problem with investing in the gold now — it’s already way overbought.
<br /></span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(153, 153, 0);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-2009457984742922042009-11-26T13:01:00.004+08:002009-11-26T13:10:10.238+08:00HAPPY EID AL-ADHA TO ALL MUSLIMS<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTnhrG1JUylwwm0uDP7qA8HZicxmGQY3vxvtrO5pTL28Aqr6HvxIV3tsTBrTPkOZ0Bri8MlK6b5gOmm8wt2ZGTdy9-uUnj5L4tpR3_b-MuskM-Zk92Wy4J3u1Ifr2ef4_Ab2yJ7Xr4/s1600/adha2.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 308px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTnhrG1JUylwwm0uDP7qA8HZicxmGQY3vxvtrO5pTL28Aqr6HvxIV3tsTBrTPkOZ0Bri8MlK6b5gOmm8wt2ZGTdy9-uUnj5L4tpR3_b-MuskM-Zk92Wy4J3u1Ifr2ef4_Ab2yJ7Xr4/s400/adha2.jpg" alt="" id="BLOGGER_PHOTO_ID_5408273802307030610" border="0" /></a>
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bold; color: rgb(0, 153, 0); text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="font-style: italic;">Eid al-Adha</span> <span style=""> </span>(Festiv</span></span><span style="font-size:100%;"><span style="font-size:12;">al of Sacrifice) is the latter </span></span><span style="font-size:100%;"><span style="font-size:12;">of the two <span style="font-style: italic;">Eid</span> festivals a</span></span><span style="font-size:100%;"><span style="font-size:12;">nd is celebrated to</span></span><span style="font-size:100%;"><span style="font-size:12;"> commemorate the willingness of<span style=""> </span>Prophet Ibrah</span></span><span style="font-size:100%;"><span style="font-size:12;">im (as) to sacrifice his son, Prophet Ismail (</span></span><span style="font-size:100%;"><span style="font-size:12;">as) as an act of obedience to </span></span><span style="font-size:100%;"><span style="font-size:12;">Allah swt.</span></span></p><p style="font-weight: bold; color: rgb(0, 153, 0); text-align: justify;font-family:arial;" class="MsoNormal">
<br /></p><p style="font-weight: bold; color: rgb(0, 153, 0); text-align: justify;font-family:arial;" class="MsoNormal">
<br /><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p style="font-weight: bold; color: rgb(0, 153, 0); text-align: justify; font-family: arial;" class="MsoNormal"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5sBzjdXDfS2LEMzFJic4IUSNgn4JgSsVkYvUe9fF_ndPa3Y9UcsTysWCZ408FxzzA3eJQvG_Nu9Y_prv1Z1NqTtHImKFX0xYR_GcxJLwhNrWxWhKvKnv-vrA-Isug8HIYkC0WoSD_/s1600/eid-ul-adha-card.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 306px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5sBzjdXDfS2LEMzFJic4IUSNgn4JgSsVkYvUe9fF_ndPa3Y9UcsTysWCZ408FxzzA3eJQvG_Nu9Y_prv1Z1NqTtHImKFX0xYR_GcxJLwhNrWxWhKvKnv-vrA-Isug8HIYkC0WoSD_/s400/eid-ul-adha-card.jpg" alt="" id="BLOGGER_PHOTO_ID_5408273608711641986" border="0" /></a></p><p style="font-weight: bold; color: rgb(0, 153, 0); text-align: justify; font-family: arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; color: rgb(0, 153, 0); text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Men, women, and children are expected to </span></span><span style="font-size:100%;"><span style="font-size:12;">dress in their finest clothing to perform <span style="font-style: italic;">Eid</span> prayer in a large congregation</span></span><span style="font-size:100%;"><span style="font-size:12;"> in a mosque. Muslims who can afford to do so sacrifice their best domestic ani</span></span><span style="font-size:100%;"><span style="font-size:12;">mals (usually sheep, but also camels, cows and goats) as a symbol of Ibra</span></span><span style="font-size:100%;"><span style="font-size:12;">him's sacrifice. The sacrificed animals, have to meet certain age and quality st</span></span><span style="font-size:100%;"><span style="font-size:12;">andards or else the animal is considered an unacceptable sacrifice. Gen</span></span><span style="font-size:100%;"><span style="font-size:12;">erally, these must be at least a year old.</span></span></p><p face="arial" style="font-weight: bold; color: rgb(0, 153, 0); text-align: justify;" class="MsoNormal">
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<br /><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQNDAomrEg1hYNwmPca0psDSYCo4W5cDtgJLgzL33mqmV95B5KCP5QSIbvW53c9dfKm1PUbJsTtx7rPyFDwp2eQI_sL6uLzIDC4cw1YbStfir-VxU1SB89JTH5zAnAPxw9JtsTicF5/s1600/adha1.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 371px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQNDAomrEg1hYNwmPca0psDSYCo4W5cDtgJLgzL33mqmV95B5KCP5QSIbvW53c9dfKm1PUbJsTtx7rPyFDwp2eQI_sL6uLzIDC4cw1YbStfir-VxU1SB89JTH5zAnAPxw9JtsTicF5/s400/adha1.jpg" alt="" id="BLOGGER_PHOTO_ID_5408273598952959730" border="0" /></a></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 153, 0);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 153, 0);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 153, 0);font-size:100%;" ><span style="font-family:arial;">The regular charitable practices of the Muslim community are demonstrated during <span style="font-style: italic;">Eid al-Adha</span> by the concerted effort to see that no impoverished person is left without sacrificial food during these days. Distributing meat among people is considered an essential part of the festival during this period, as well as chanting <span style="font-style: italic;">Takbir</span> out.</span></span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify; color: rgb(0, 153, 0);" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 153, 0);font-size:100%;" ><span style="font-family:arial;">Note :</span></span></span></p><p style="text-align: justify; color: rgb(0, 153, 0);" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 153, 0);font-size:100%;" ><span style="font-family:arial;">I would like to wish my brother who (again!!!) is unable to celebrate Eid with the family in Kuala Lumpur - "Selamat Hari Raya Aidil Adha". Take care & may you be in the protection of Allah swt always.....
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<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 153, 0);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-9276338228534343422009-11-20T07:33:00.005+08:002009-11-20T07:38:34.824+08:00FURTHER INCENTIVE FOR ISLAMIC FINANCE IN MALAYSIA'S 2010 BUDGET<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhx6u6bWWhBD2t0fb27MGSgKIzaus2dAA6IcsPRButja_5RbnNMMomisyXTVCxIj9z1G9JF6AMlkPPRPGT2uZpAIHcGiac__gF60y_vLt_wz-0SeBlEZXIjB7fn0J-lOtduVeRFLb-t/s1600/40.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 378px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhx6u6bWWhBD2t0fb27MGSgKIzaus2dAA6IcsPRButja_5RbnNMMomisyXTVCxIj9z1G9JF6AMlkPPRPGT2uZpAIHcGiac__gF60y_vLt_wz-0SeBlEZXIjB7fn0J-lOtduVeRFLb-t/s400/40.jpg" alt="" id="BLOGGER_PHOTO_ID_5405962904603303362" border="0" /></a>
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bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br />Malaysian Prime Mi</span></span><span style="font-size:100%;"><span style="font-size:12;">nister and Finance Minister, Datuk Seri Mohd Najib Tun Abdul Razak delivering his </span></span><span style="font-size:100%;"><span style="font-size:12;">2010 Budget to the Dewan Rakyat (the parliament) on 23 October 2009 announced </span></span><span style="font-size:100%;"><span style="font-size:12;">several key incentives aimed at sustaining the steady development of Isla</span></span><span style="font-size:100%;"><span style="font-size:12;">mic finance in the country through the Malaysia International Islam</span></span><span style="font-size:100%;"><span style="font-size:12;">ic Financial Centre (MIFC) initiative. These are effectively extensions of the </span></span><span style="font-size:100%;"><span style="font-size:12;">existing regime of tax incentives which are due to expire in 2010, to 2015. The ext</span></span><span style="font-size:100%;"><span style="font-size:12;">ensions apply to: <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">a) stamp duty exemption of 20 per cent on Isl</span></span><span style="font-size:100%;"><span style="font-size:12;">amic financing instruments;<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">b) tax exemption on Islamic banking and takaful companies profits derived </span></span><span style="font-size:100%;"><span style="font-size:12;">from overseas operations; and<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">c) double deduction on expenditure </span></span><span style="font-size:100%;"><span style="font-size:12;">incurred in promoting Malaysia as an international Islamic financial centre.</span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;">
<br /><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Similarly, the extensions apply to the Islamic capital </span></span><span style="font-size:100%;"><span style="font-size:12;">market, which include: <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">a) deduction on expenditure incurred on the</span></span><span style="font-size:100%;"><span style="font-size:12;"> issuance of Islamic securities approved by the Securities Commission (SC) and by Labuan Offshore Financ</span></span><span style="font-size:100%;"><span style="font-size:12;">ial Services Authority (LOFSA);<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">b) tax treatment accorded to Special Purpose</span></span><span style="font-size:100%;"><span style="font-size:12;"> Vehicle (SPV) established under the Companies Act 1965 and under the Offshore Companies Act 1990 elect</span></span><span style="font-size:100%;"><span style="font-size:12;">ing to be taxed under the Income Tax Act 1967;<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">c) tax exemption on profits received from n</span></span><span style="font-size:100%;"><span style="font-size:12;">on-Ringgit Sukuk originating from Malaysia and approved by the SC and by LOFSA; </span></span><span style="font-size:100%;"><span style="font-size:12;">and<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">d) deduction on expenditure incurred in th</span></span><span style="font-size:100%;"><span style="font-size:12;">e establishment of stock broking companies.</span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;">
<br /></p><p class="MsoNormal" face="arial" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" face="arial" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNTrkwW21x6yQXzKEHfXG6NCsuDuB5A-LUT8lXxd01IHY8dIopT-WGDSIL6WJgRfOEIfIxjkvAb4sbOmAgjPnQM4hkuzj3UCjqVeNu3m3BkevgrE6PTOJ6AvgjZx3KDW9Sf9G0Tze6/s1600/090830_p24_islamic.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 273px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNTrkwW21x6yQXzKEHfXG6NCsuDuB5A-LUT8lXxd01IHY8dIopT-WGDSIL6WJgRfOEIfIxjkvAb4sbOmAgjPnQM4hkuzj3UCjqVeNu3m3BkevgrE6PTOJ6AvgjZx3KDW9Sf9G0Tze6/s400/090830_p24_islamic.jpg" alt="" id="BLOGGER_PHOTO_ID_5405962721753430434" border="0" /></a></p><p class="MsoNormal" face="arial" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);">
<br /></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-family: arial; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);">
<br /></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-family: arial; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);">Let us see whether the initiatives can spur the growth of FDIs into the country especially from the MENA region....
<br /><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-family: arial; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" > <o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-40547505672089130422009-11-08T20:13:00.006+08:002009-11-08T20:35:05.785+08:00CAUTION TO MALAYSIA<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0HeqXIc6JbFMg5Sxxgv5haJR3sD9o1Q0TCWrEpFGoBv2exwgZx6-uRoevrLsAUJWbBg4Du_zgwrWgL7B9uMGzckp0nbjVhv9AJpj2Sv4CkatH2jvJlJ7x1WnH_YWxyHggaFZrBRrQ/s1600-h/20.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 300px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0HeqXIc6JbFMg5Sxxgv5haJR3sD9o1Q0TCWrEpFGoBv2exwgZx6-uRoevrLsAUJWbBg4Du_zgwrWgL7B9uMGzckp0nbjVhv9AJpj2Sv4CkatH2jvJlJ7x1WnH_YWxyHggaFZrBRrQ/s400/20.jpg" alt="" id="BLOGGER_PHOTO_ID_5401705718008718322" border="0" /></a>
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text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="text-align: justify; color: rgb(51, 204, 0);" class="MsoNormal"><span style=";font-family:";font-size:12;" lang="EN-US"><span style="font-weight: bold; color: rgb(51, 204, 0);font-size:100%;" >E</span><span style="font-weight: bold; color: rgb(51, 51, 255);font-size:100%;" ><span style="color: rgb(51, 204, 0);font-family:arial;" >xcerpts from The Star (2 Nov 2009) :</span><o:p style="font-family: arial;"></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;">While Malaysia is doing a great job in promoting Islamic finance, the adaptation process to some of its products will need a deeper look or “a second visit”, according to a renowned Muslim scholar. Dr Hatem El-Karanshawy, founding dean of the Qatar Faculty of Islamic Studies, has voiced caution over the need to quickly Islamise products just to be at par with other conventional instruments. “We should not rush to adopt products and Islamise them because we would like the products to be on the same footing as other western institutions or non-Islamic banking that are not based on Islamic principles,” he said.</span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">I tend to agree with the statement above. In our efforts to tap into the lucrative business of Islamic finance and attract the Middle East’s petrodollars, we got carried away by “liberalizing” the Islamic financial products so that they are deemed to be <i>Shariah</i> compliant but in actual fact, they are exactly like their conventional counterpart. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">There have been numerous calls from the <i>Shariah</i> scholars and finance academicians – if we do not curb such activities and continue with the replication that result in “direct <span style=""> </span>mutation” of conventional products into Islamic products, the <i>ummah</i> as a whole is not generally better-off.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Malaysia has huge potential to be the main player in the Islamic finance arena because of the following reasons :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">a) Bank Negara Malaysia is very supportive of the move to bring Islamic financial institutions into Malaysian soil. They have been aggressive in promoting Islamic finance opportunities with strong backing from the Government of Malaysia<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">b)<span style=""> </span>The industry players are also strong advocates of the move initiated by BNM. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">c) The HQ of IFSB is in Kuala Lumpur. It is hoped that more standards and guidelines can be issued to meet the needs of Islamic financial institutions and <i>takaful</i> operators in the near future<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">d) The setting up of INCEIF and ISRA in Kuala Lumpur – it is hoped that the graduates that are well versed in both <i>Shariah</i> and <i>Finance</i> fields can be produced to support the shortage of human resources in the Islamic finance field. On-going researches can be conducted to find ways and means to improve the current situation and promote new innovation<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">e) Various incentives and tax benefits <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">And the reasons can continue on. However, despite the above, we must not forget that there are other improvements that need to be looked at locally and internationally :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">a) the local laws in Malaysia are still under civil laws and some of the Islamic commercial cases are not given due justice. Therefore, there must be amendments to the relevant Acts to cater for these cases. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">b) here is a need for a paradigm shift in the thinking ways of the industry players. We acknowledge the fact that profit orientation is the motivation to run a business, however, having a 100% Shariah compliant product does not deny the businessman his profits. So there must be a clear understanding about the Islamic concepts in finance so that these businessmen/bankers etc do not only chase after “big bucks” but to ensure that the process and the financial product do not contravene any <i>Shariah</i> rules/guidelines. We should scrap the famous “<i>tidak apa</i>” or “never mind” attitude and sway away from the famous “<i>darurah”</i> reason. Islamic banking has been in Malaysia for more than 2 decades and since then, the industry players could have improved the way they are doing business and come with more innovative and accepted products and drop the “controversial and unacceptable” products like <i>inah</i> and arranged <i>tawarruq</i>.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">c) <span style=""> </span>improve the Islamic money market instruments so that the Islamic financial institutions can have the mechanism and platform to compete fairly with their conventional counterparts. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">It is very disturbing to find out that despite Malaysia having the infrastructure and stable economic and political condition, we failed to attract enough FDIs (we even lost to Thailand – where politically is relatively less stable than our country, in fact we can see on TV, the riots between the Red Shirts and Yellow Shirts almost on weekly basis and yet able to attract more FDIs into their country). <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Investors are generally looking for opportunity to make money for themselves and Islamic finance is a lucrative and huge business and Malaysia having been promoting itself as a hub for Islamic finance is still unable to attract investors into the country – well, there is surely something wrong somewhere. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Is it the Government?<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Is it the regulators – too strict or too liberal?<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Is it the incentives – not competitive?<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Is it the infrastructure?<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 51, 255);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Is the financial products?<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 51, 255);"> </div><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(51, 51, 255);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(51, 51, 255);font-size:100%;" ><span style="font-family:arial;">Hhmm, which is it, I wonder…..</span></span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(51, 51, 255);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-6685470832349062912009-11-04T19:04:00.005+08:002009-11-04T19:12:19.249+08:00ISSUE OF ISLAMIC RISK MANAGEMENT<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgC1mZEl-KmkxcoJOUuJ_nDG0ZZVUr0Ni46wnehgiuk-Lg8iGjP84y2apaZsi_GbYXfc2QdrUdP8OuiIDkwxeRzTjArpftvNw16GR-3FqbADrdjepmm4Z5FFj98QHfplKWH1o7T9Yj4/s1600-h/quote1.gif"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 316px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgC1mZEl-KmkxcoJOUuJ_nDG0ZZVUr0Ni46wnehgiuk-Lg8iGjP84y2apaZsi_GbYXfc2QdrUdP8OuiIDkwxeRzTjArpftvNw16GR-3FqbADrdjepmm4Z5FFj98QHfplKWH1o7T9Yj4/s400/quote1.gif" alt="" id="BLOGGER_PHOTO_ID_5400203697624039794" border="0" /></a>
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mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Risk management for Islamic banking financial products and services is one of the greatest challenges that many westernized, as well as Islamic banks, are facing today.
<br />As a result of this market growth in Islamic financial products there is a high demand to understand how to assess and manage the risks arising from applying these products and services. Credit, operational, market and liquidity risks together with the risk of non compliance with the <i>Shariah</i> are becoming very hot issues for financial institutions.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Risk traditionally means possibility of meeting danger or suffering, harm or loss. Risk is an element of life in this world for being ignorant of the future. It is also factor of investing that one should take time to understand prior to selecting any specific investment instruments or any new adventures.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">The Holy Quran has presented stories of the previous prophets so that Muslims can take the lessons from their experiences. The story of Prophet Ya'qub as, tells us about the management of risks as Prophet Ya’qub as commanded his sons to enter Egypt from different gates. The Holy Quran states, <span style="color: rgb(153, 0, 0);">"</span><i style="color: rgb(153, 0, 0);">Further he said: "O my sons! Enter not all by one gate: enter ye by different gates. Not that I can profit you aught against God (with my advice): None can command except God: On Him do I put my trust: and let all that trust put their trust on Him</i><span style="color: rgb(153, 0, 0);">"</span> (Quran 12:67).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">There are three basic types of Islamic risk management products and mechanisms: <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">a) those that are formally being standardized. There is a global trend towards the unification or <i>de facto </i>standardization of risk management products, which can be currently observed in the market<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">b) risk management methods directly based on the well-recognized Islamic financing modes and rules<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">c) the possibility to use formally <i>Shariah</i> compliant mechanisms to replicate conventional risk management products and risk profiles. Conventional financial instruments have been developed to solve "conventional" problems and needs, and it may well be that the needs of the Islamic industry differ from those faced by its conventional counterpart. Islamic banks must manage risks specific to themselves, which cannot be encountered in the same way and extent in non-Islamic institutions. This holds true both at the product-specific / individual level and on the portfolio / balance-sheet level for Islamic banks.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">According to Siddiqui in his article “Risk Management in an Islamic Framework”, risk management in Islamic framework should ensure that :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">a) debt proliferation is minimized. This implies that corporations raise additional funds via equity, not by issuing bonds<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">b) interest on debt is not practiced. This will in effect kill the bond market<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">c) debt is not traded<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">d) risks are shared between financiers and producers/businessmen<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">e) regulators should not allow purchase of business or financial risks by outsiders not involved in the business or supply of investible funds for the business but only taking chances on the outcome<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0); font-family: arial;font-family:arial;"><span style="font-size:85%;">We all know that the rating agencies (e.g. S&P, Moody’s, Fitch) do the ratings for Islamic financial institutions, however, as rightly (and timely) put by Amit Khandelwal in his article titled “ Risk Management in Islamic Finance”, Islamic financial institutions need to be rated by specific Islamic rating agency due to :</span></p><div style="text-align: justify; color: rgb(102, 102, 0); font-family: arial;"> </div><p style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0); font-family: arial;font-family:arial;"><span style="font-size:85%;">a) rigorous and consistent analysis of quantitative and qualitative factors</span></p><div style="text-align: justify; color: rgb(102, 102, 0); font-family: arial;"> </div><p style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0); font-family: arial;font-family:arial;"><span style="font-size:85%;">b) assessment of risk profile of institution or product</span></p><div style="text-align: justify; color: rgb(102, 102, 0); font-family: arial;"> </div><p style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0); font-family: arial;font-family:arial;"><span style="font-size:85%;">c) removal of asymmetry in information on the variety of business operations</span></p><div style="text-align: justify; color: rgb(102, 102, 0); font-family: arial;"> </div><p style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0); font-family: arial;font-family:arial;"><span style="font-size:85%;">d) investors in Islamic countries desire to know the credit worthiness of the institutions and products and the legitimacy, in terms of <i>Shariah</i> compliance, of institutions and products</span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(102, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(102, 102, 0);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(102, 102, 0);font-size:100%;" ><span style="font-family:arial;">Some of the conditions/guidelines of Basel II are deemed not appropriate/compatible for Islamic financial institutions and IFSB has tried to provide additional guides/principles to assist and streamline the risk management concerns, however, more needs to be done in view of the evolving nature of the Islamic products and contracts and the dynamic spur to innovate more Islamic products in the market.</span></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;">
<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(102, 102, 0);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-34645357328999621902009-11-02T11:31:00.006+08:002009-11-02T19:03:07.263+08:00THE END OF THE WORLD....<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBvdfTNbdlFtUPKFn3fHqeLJHBYTxhtsX72xXYeq9KpySM62IIB14z6fjXEyXvfTHiA7ZiQfcn-3gQZImGHSsTduRDiJSHeXRdc63ePdoVs0_qZpRc9AOH__oLpJXAX5Yg-mf965vx/s1600-h/House_of_Islam.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBvdfTNbdlFtUPKFn3fHqeLJHBYTxhtsX72xXYeq9KpySM62IIB14z6fjXEyXvfTHiA7ZiQfcn-3gQZImGHSsTduRDiJSHeXRdc63ePdoVs0_qZpRc9AOH__oLpJXAX5Yg-mf965vx/s400/House_of_Islam.JPG" alt="" id="BLOGGER_PHOTO_ID_5399344972771318450" border="0" /></a>
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bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">Last night I watched “Nostradamus 2012” on the History Channel – the programme is based on the Book of Nostradamus, where the so called “seer” predicts the apocalypse of the world. I was pulled to watch the programme until the end – where it is said that the end of time will happen on 21/12/2012 – well, not long from today….<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">It is said that on that particular day, the sun will be aligned with the centre of the universe called the “dark rift” which only happens every 26,000 years. The galactic alignment will bring about chaos to the planet where it will affect the earth’s magnetic fields etc, thus, the earth is unable to deflect the sun bursts (this phenomenon was portrayed convincingly in the movie – Knowing)<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">Well, the programme highlighted all the scientific explanations and compare them with the findings from ancient civilizations (e.g. the Mayans/Egyptians) etc, and they concluded, it is very weird that the Mayans had ended their calendar on 21/12/2012 (which they had earlier engraved on stones in the temples in central America long time ago). <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">Let us look at the matter from the Islamic perspective…<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">The belief in Doomsday/End of the World (<span style="font-style: italic;">qiyamah</span>) is one of our pillars of faith and no one (even the prophets or angels) know the exact date of the D-day – only Allah swt knows exactly when is the final hour.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">However certain events are going to take place prior to the coming of the final hour. These events are known as the Signs of <span style="font-style: italic;">Qiyamah</span>. All the Prophets informed their people of the signs of the final hour. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Our Prophet Muhammed saw being the last and the seal of Prophets, knowing that Doomsday is to come upon this very ummah, explained clearly and in considerable detail the signs of the final hour to the extent that sometimes he would lecture his companions all day on this subject :
<br />
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Abu Zaid (ra) says, <span style="color: rgb(255, 102, 0);">'The Prophet saw sat down on the pulpit after fajar prayer and began a deliver a long sermon until the time of Dzuhur prayer came. After saying the Dzuhur prayer he again sat on the pulpit and began the sermon, which continued till Asr prayer. After the Asr prayer he resumed the sermon so much so that the sun set. he related whatever happened in the past and also related in detail whatever is to happen in the future. Those amongst us who had good memories retained many things.'</span> (Sahih Muslim) <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">The signs of the final hour can be divided into two groups. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">1) <u>Minor signs</u></span><span style="font-size:12;"> <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Minor signs are events of normal nature prophesised by our Prophet Muhammed saw to take place before <span style="font-style: italic;">Qiyamah</span> like the consumption of alcohol, lifting of knowledge and prevalence of ignorance and immorality and signs of this nature. The majority of the minor signs have appeared while some are occurring and some will appear with major signs. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br />2) <u>Major signs</u> <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br />Major signs are events of extraordinary nature prophesied by our Prophet saw to take place before <span style="font-style: italic;">Qiyamah</span> like all the events mentioned in the following hadith narrated by Hudhaifa ibn Usayd that the Prophet saw said, '<span style="color: rgb(255, 102, 0);">The last hour will not arrive till you have seen ten signs. He then mentioned the Smoke, Dajjal, Beast, Rising of the Sun from the place of it's setting, the Descent of Isa, Ya'juj Ma'juj, Three Landslides, one in the East, one in the West and one in the Arabian Peninsula after that a Fire would spread from Yemen and drive the people to their place of gathering</span>".<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">Smoke<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">Smoke will appear all over the earth that will cause believers to catch something similar to the common cold, whereas disbelivers will be hit harder by it. Finally, a cool wind will cause all the believers to die. This all the unbelievers left on earth to experience the last hour of the day of judgement<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">Beast<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">The Dabbah is a strange beast who will have the Rod of Moses and the seal of Solomon. He will call people back to Islam. Some will heed to the call while others will reject it. The believers will then have a sign that says: "Believer" while the disbelievers will have a "Disbeliever" sign. The exact description of the animal is unknown.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">Earthquake/landslide<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">Three major earthquakes will occur on the day of judgement and they will damage a great deal of the earth. One earthquake will occur in the east, another in the west, and the third will be in the Arabian Peninsula<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">Rising of the sun from the west<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">This will be a major sign indicating that the world has reached its end. Allah has created the sun and He always made it rise in the East, however, at the end of time He will reverse this process by making it rise from the West. Once this happens, Allah will not accept the repentance of the disbelievers, it will be too late for them<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">Dajjal<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">Ad-Dajjal is said to be a beast who will come claiming to be God holding heaven and hell. His sole purpose is to deceive people and lead them away from the remembrance of Allah, and the unbelievers will follow him. He will have only one good eye and he will be blind in the other eye. On his forehead there will be a sign saying "Kafir," or disbeliever. He will perform some miracles which will serve to deceive some people.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">The Prophet Muhammed saw warned,<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(255, 102, 0);font-family:arial;"><span style="font-size:100%;"><i><span style="font-size:12;">Whoever hears about the coming of Ad-Dajjal should stay away from him because by Allah, a man could come to him thinking of himself a strong believer but then he will follow Ad-Dajjal because of the doubts he will spread</span></i><span style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(255, 102, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(255, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">Ya’juj Ma’juj<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">Ya'juj and Ma'juj are two hidden tribes of people. These tribes were disbelieving descendants of Prophet Adam as. They will come in enormous numbers and will outnumber all the believers of the world. They will break through a barrier that Allah swt created to hold them back and ravage the earth. They will drink all the water, destroy plants and animals and kill people. This will occur roughly around the time of the second coming of Prophet Isa as (Jesus). Finally, Allah swt will send a type of worm or insect that will wipe them out.</span><span lang="EN-US" style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">Are the signs already there? Humans are just to oblivious to them as we are too busy with our pursuits of worldly affairs…<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">There is a book which I read a couple of months ago with regards to past, present and future signs of <span style="font-style: italic;">Qiyamah</span> :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">Past<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">1. Splitting of the Moon.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">2. Death of the Prophet Muhammad saw.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">3. A form of death which will kill thousands of Muslims. (Understood to refer to the plague of Amwas during the caliphate of ‘Umar ibn al-Khattab.)<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">4. A major fighting in Madinah (understood to refer to the battle of al-Harrah during the caliphate of Yazid, 63 AH).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">5. The Muslim conquest of Jerusalem.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">6. The Muslim conquest of Constantinople.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">7. Two large groups of Muslims will fight in war.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">8. A war between the Muslims and a reddish people with small eyes, wearing sandals made of hair (understood to refer to the Mongol Tatar invasion of the Islamic lands.)<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(153, 51, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">9. A peace agreement between the Muslims and non-Muslims from the yellow race (Chinese, Mongols, etc.)<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 51, 153);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(153, 51, 153);">10. Thirty impostors (Dajjal) will appear, each thinking he is a prophet.</span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">Present?<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">11. Naked, destitute, barefoot shepherds will compete in building tall buildings.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">12. The slave-woman will give birth to her master or mistress.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">13. A trial (fitnah) which will enter every Arab household.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">14. Knowledge will be taken away (by the death of people of knowledge), and ignorance will prevail.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">15. Wine (intoxicants, alcohol) will be drunk in great quantities.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">16. Illegal sexual intercourse will become widespread.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">17. Earthquakes will increase.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">18. Time will pass more quickly.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">19. Tribulations (fitan) will prevail.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">20. Bloodshed will increase.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">21. A man will pass by the grave of another and wish he was in the latter’s place.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">22. Trustworthiness will be lost, i.e. when authority is given to those who do not deserve it.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(0, 102, 0);">23. People will gather for prayer, but will be unable to find an imam to lead them.</span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><u><span style="font-size:12;">Future<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">24. The number of men will decrease, whilst the number of women will increase, until for every man there are 50 women.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">25. The Euphrates will reveal a treasure of gold, and many will die fighting over it, each one hoping to be the one who gains the treasure.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">26. The Romans (Europeans) will come to a place called A’maq or Wabiq, and an army of the best people will go forth from Madinah to face them.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">27. The Muslim conquest of Rome.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">28. The Mahdi (guided one) will appear, and be the Imam of the Muslims.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">29. Jesus Christ (Prophet Isa as) will descend in Damascus, and pray behind the Mahdi.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">30. Prophet Isa as will break the cross and kill the swine, i.e. destroy the false Christianity.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">31. The Antichrist (al-masih al-dajjal, the false christ) will appear, with all his tools of deception, and be an immense trial. He will be followed by 70,000 Jews from Isfahan (present-day Iran).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">32. The appearance of Ya’juj and Ma’juj (Gog and Magog), and the associated tribulations.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">33. The emergence of the Beast from the Earth, carrying the Staff of Moses and the Seal of Solomon, who will speak to the people, telling them they did not believe with certainty in the Divine Signs.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">34. A major war between the Muslims (including Jews and Christians who truly believe in Prophet Isa as after his return) led by the Imam Mahdi, and the Jews plus other non-Muslims led by the Antichrist. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">35. Prophet Isa as will kill the Antichrist at the gate of Ludd (Lod in present-day Israel, site of an airport and a major Israeli military base).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">36. A time of great peace and serenity during and after the remaining lifetime of Prophet Isa as. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">37. Wealth will come so abundant that it will become difficult to find someone to accept charity.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">38. Arabia will become a land of gardens and rivers.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">39. Society will then decay.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">40. The buttocks of the women of the tribe of Daws will again sway in circumambulation (tawaf) around the idol Dhul-Khulsah.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">41. A great fire in the Hijaz, seen by the inhabitants of Busra.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">42. Three major armies will sink into the earth: one in the east, one in the west, one in Arabia.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">43. An Abyssinian leader with thin shins will destroy the Ka’bah.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">44. The huge cloud of smoke.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">45. The sun will rise from the west (its place of setting).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">46. A gentle wind which will take the souls of the believers.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">47. There is no-one left on the earth saying, "Allah, Allah" or "There is no god except Allah."<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">48. Eventually the Day of Judgment is established upon the worst of the people, who copulate like donkeys in public.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 0, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">49. The blowing in the Trumpet by the Angel Israfil, upon which everyone will faint except as Allah wills.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 0, 0);"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(0, 0, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(102, 0, 0);">50. The second blowing in the Trumpet, upon which everyone will be resurrected.</span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 102);"> </div><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 0, 102);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 0, 102);font-size:100%;" ><span style="font-family:arial;">Wallahu alam….</span></span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 0, 102);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-7480570692779690622009-10-21T19:10:00.005+08:002009-10-26T16:00:24.310+08:00A VERY ENJOYABLE (AND INFORMATIVE ARTICLE)...PLEASE READ<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnSO71G436Q7QX52yA_J0vwlPEpNy53yvRtcREf44zD6KhR83i7T3azEGtXP-nViRXX_QgAolffgo-Tx4Inx-S6kDcPIj09cOmF7FQ-2M1MDNddETF9nFUKor8u_ZsNA9Q_UWKS93Z/s1600-h/207.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 297px; height: 298px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnSO71G436Q7QX52yA_J0vwlPEpNy53yvRtcREf44zD6KhR83i7T3azEGtXP-nViRXX_QgAolffgo-Tx4Inx-S6kDcPIj09cOmF7FQ-2M1MDNddETF9nFUKor8u_ZsNA9Q_UWKS93Z/s400/207.jpg" alt="" id="BLOGGER_PHOTO_ID_5395010359915332930" border="0" /></a>
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text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">As I was doing some work, I came across an article written by </span><span style="font-size:12;"><span style="color: rgb(204, 0, 0);">Dr. Husain Shahata</span> (a professor in Al-Azhar University) on “</span><span style="font-size:12;"><span style="color: rgb(204, 0, 0);">The International Financial System Crisis in the Perspective of the Islamic Economy”</span>. I read the articles 3 times because the paper was presented in a simple and easy-to-understand way with no big financial jargons that could confuse a normal layman – this is good because economic crisis is the “in thing” now where even the man on the street is all ears when it comes to talking about “ECONOMY”…<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">His introduction to the article is very catchy and it could just grasp the attention of anyone (yours truly, included) and it’s the painful truth…<span style="color: rgb(204, 0, 0);">"The economists of the man-made economy have predicted the collapse signs of the socialist economic system because of its concepts & principles which contradict the human nature and conflict with the Islamic rules & regulations. Similarly, the economists of the capitalist economic system have predicted the collapse signs thereof because of its concepts & principles which contradict the orders of Allah The Almighty and undermines the values & morals. It is relies upon the monopoly and the usury interests (Credit and loans against interest) which are the most vicious evil in the Earth and the motive behind worshipping money, controlling the borrowers by the lenders, restricting their freedom, stealing their business & homes and causing dangerous social & economic effects.”</span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">He further explained the aspects of the international financial system crisis and derived a statement – <span style="color: rgb(204, 0, 0);">“The right diagnosis of the crisis is the master key for finding the right remedy”. </span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">So, what is the right diagnosis? Have all the economists in the world been so wrong?<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Well, according to the author, famous economists worldwide, including winners of Nobel Prize like Maurice Allias said: <span style="color: rgb(204, 0, 0);">The capitalist economy system is depending on certain concepts and rules which are the main cause of its collapse if not amended immediately</span>.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">A real shocker, huh? Or maybe, not.
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">The authors stated 7 reasons for the current crisis :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >First</span><span style="font-size:12;">: The economic morals corruption such as: monopoly, deception, the fabricated rumors, lies, fraud, exploitation and the delusive transactions which all caused injustice treatment by the wealthy people and creditors against the poor and debtors. This injustice will make the wronged people complain from injustice and the creditors will complain from debtors and the result will be social revolutions when they refrain from repaying their debts and loans. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >Second</span><span style="font-size:12;">: Money became the substance of tyranny and the weapon of the tyrants for controlling policies and taking the sovereign decisions in the world to the degree that the materialists became worshippers of money. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >Third</span><span style="font-size:12;">: The usury banking system relies on the interest rate system and operates within the frame of dealing, trading, purchasing and selling of debts. Whenever the interest rate of the deposit increases, the interest rate of the loans given to individuals and companies will increase similarly and all of this will benefit the banks and financial brokers while the borrowers will suffer injustice in paying the loans taken by them for the purpose of consumption or production. Some economists, like Adam Smith, the father of economists, said: "The real development and the rational use of the production factors will not be achieved unless the interest rate became nil" and they considered the alternative method is the system of sharing profits and losses because it enhance stability and security. They further said: "The interest rate system will make the money goes to the hands of small group of people who will control the wealth totally". <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >Fourth</span><span style="font-size:12;">: The traditional financial and banking system relies on the method of scheduling the debts against a higher interest rate or replacing the due loans with new ones of higher interest rate, exactly like what the Arab before Islam was saying: (Pay now or increase the interest rate). This process will cause additional liabilities on the borrowers who were unable to repay the first loan due to the higher rate of interest. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >Fifth</span><span style="font-size:12;">: The international financial system and the financial markets system are mainly depending on the financial derivates system which, in turn, depends on delusive transactions which, in turn, depend on probabilities & possibilities i.e. there are no true exchange of goods and services, it is just gambling and betting. Not only this, some of these transactions are depending on credits taken from the banks in the form of loans which can lead to a financial crisis in case of loss. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >Sixth</span><span style="font-size:12;">: The bad manners of the financial brokerage institutions which induce people to take loans, deceive them and exploit their ignorance to take loans from the financial institutions. They request high commissions if the risks were high and the borrower alone will bear the adverse consequences thereof and this ultimately will lead to the financial crisis. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="color: rgb(204, 0, 0);font-size:12;" >Seventh</span><span style="font-size:12;">: The expansions in applying the credit cards system (Overdraft) which caused high financial liabilities on the users who will bear higher interest rates if he could not repay the debt until he is put to jail, mortgage his car or house. This is exactly what happened to many holders of such cards, caused them confusions in the budget of their homes, and led finally to a crisis in certain usury banks. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">There’s more of the article than what have been reproduced above. I highly recommend the article – it is one of the most enjoyable read I’ve had this week. The author really save the best piece of the article for last, i.e., in his conclusion :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(153, 102, 51);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(153, 102, 51);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">To the people who are confused in their life, straying in darkness of the nights, hurry up to Islam again. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">To those who wish to reform society and get rid of its problems, difficulties and rescue it, hurry up to Islam. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">To those who are standing at the door of reform and hesitant about the right way to be taken, hurry up to Islam. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">To those who were confused with means and lost their aims, hurry up to Islam, it is the right way. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">To those who spent their life in fruitless experiments under the instructions of hesitant minds and confused thinking, hurry up to Islam. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style="font-weight: bold; color: rgb(153, 102, 51);font-size:100%;" ><span style=";font-family:arial;font-size:12;" ><span style="color: rgb(0, 153, 0);">To those sincere & faithful people, hurry up to Islam.</span> </span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;">
<br /><span style="font-weight: bold; color: rgb(153, 102, 51);font-size:100%;" ><span style=";font-family:arial;font-size:12;" ></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style="font-weight: bold; color: rgb(153, 102, 51);font-size:100%;" ><span style=";font-family:arial;font-size:12;" >"ALLAHU AKBAR"</span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style="font-weight: bold; color: rgb(153, 102, 51);font-size:100%;" ><span style=";font-family:arial;font-size:12;" >
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<br /><span style="font-weight: bold; color: rgb(153, 102, 51);font-size:100%;" ><span style=";font-family:arial;font-size:12;" ></span></span><span style=";font-family:";font-size:12;" lang="EN-US"><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com2tag:blogger.com,1999:blog-2273346711175608327.post-83260616638311149642009-10-21T17:27:00.006+08:002009-10-21T19:21:41.095+08:00CONVENTIONAL VERSUS ISLAMIC ETF<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqypfld4zh_n6J3Rizg0rKYV1b4Z6ENGdtK5TryuHhbsHbJ4i9BPYeIhtCntQvz52FDgbIoKdZyhyCrB4trlQ2LnVU-_-zc9widOdAlN1ha6psLM0ETTo2s0kaX7WI3-64YfDsj1zE/s1600-h/exchange_traded_funds.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 150px; height: 151px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqypfld4zh_n6J3Rizg0rKYV1b4Z6ENGdtK5TryuHhbsHbJ4i9BPYeIhtCntQvz52FDgbIoKdZyhyCrB4trlQ2LnVU-_-zc9widOdAlN1ha6psLM0ETTo2s0kaX7WI3-64YfDsj1zE/s400/exchange_traded_funds.jpg" alt="" id="BLOGGER_PHOTO_ID_5394983047006265426" border="0" /></a>
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mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">Exchange Traded Funds (ETFs) have emerged in 1993 in the US originally to provide a more efficient way for investors to track equity markets. In view of the increasing complexity of financial markets, investors resort to look for dynamic and innovative investment instruments that could be used to diversify their portfolio and ETF becomes an immediate attraction due to its feature that </span><span style="font-size:100%;">combines many of the best characteristics of stocks and mutual funds.<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p class="MsoNormal" style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">Several definitions of an ETF are as follows :<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p class="MsoNormal" style="margin-left: 14.2pt; text-indent: -14.2pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p class="MsoNormal" style="margin-left: 14.2pt; text-indent: -14.2pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">a)<span style=""> </span>ETFs are index funds that trade on a stock exchange. Like a mutual fund, they represent a collection of stocks, but unlike a mutual fund, they trade throughout the day like a stock. This is similar to a closed-end fund, but unlike a closed-end fund, ETFs do not have a limited number of shares and they trade very close to their underlying net asset value <o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p class="MsoNormal" style="margin-left: 14.2pt; text-indent: -14.2pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p class="MsoNormal" style="margin-left: 14.2pt; text-indent: -14.2pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">b)<span style=""> </span>ETFs invest in a group of stocks or bonds or other instruments which track the performance of an index. ETFs are listed and traded on a stock exchange<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p class="MsoNormal" style="margin-left: 14.2pt; text-indent: -14.2pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p class="MsoNormal" style="margin-left: 14.2pt; text-indent: -14.2pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">c)<span style=""> </span>An ETF is a pooled investment whose value is linked to an index which itself is based on a basket of assets. The index may be based on equity markets, specific sectors, bonds, commodities or even currencies, allowing a great diversity of investment opportunities <o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">Most ETFs are passively managed index funds although there is ongoing work being done to create enhanced and actively managed ETFs. In the managing of index funds passively, managers do not pick stocks based on fundamental analysis. Instead, managers aim to track the performance of a benchmark index.<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">At the end of May 2009, the Global ETF industry had 1,660 ETFs with 3,008 listings, assets of US$775.20 billion, from 90 providers on 42 exchanges around the world (Barclays Global Investors, May 2009). <o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">So what about Islamic ETF? Well, let us see….<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">The methodologies used by index providers to create appropriate <i>Shariah </i>compliant indices have shown all the main indices have broadly similar methodologies regarding business activity screening, financial ratio screening and dividend purification. Thus, these new indices have allowed investors to follow equity markets in a way that is consistent with their underlying <i>Shariah</i> principles and rigorous in its structure and methodology. <i>Shariah </i>complaint indexes give investors exposure to an index based on a screening and selection process, which combines the index design with Islamic principles. Investors are able to access a market segment that is in line with Islamic rules and way of life.<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;">The Dow Jones Islamic Market (DJIM) Index was introduced in 1999 as the first index intended to measure the global universe of investable equities that pass screens for <i>Shariah</i> compliance and most importantly,</span><span style="font-size:100%;"> </span><span style="font-size:100%;">the Dow Jones financial ratios have been accepted by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). <span style=""> </span>The DJIM’s Shariah Advisory Committee comprised of the following scholars :<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">a) Shaykh Abdul Sattar Abu Ghuddah (Syria)<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">Dr. Abu Ghuddah is a senior <i>Shar’ah</i> Advisor to Albaraka Investment Co. of Saudi Arabia. He holds a PhD in Islamic Law. Dr. Abu Ghuddah has published many books on Islamic Financial transactions. He was an advisor for Islamic Law Encyclopeadia (Kuwait Awqaf Ministry). Dr. Abu Ghuddah is a member and chairman of several reputed Islamic <i>Shariah</i> Boards.<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">b) Shaykh Nizam Yaquby (Bahrain)<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">Mr. Yaquby is a member of the Islamic supervisory boards for several Islamic institutions, including the Arab Islamic Bank and the Abu Dhabi Islamic Bank. His work has appeared in the following publications: <i>Risalah Fi al–Tawbah, Qurrat al–’Ainayn fi Fada il Birr al–Walidayn, Irshad al–’Uqala’ila Hukun al–Qira’h min al–Mushaf fi al–Salah, Tahqia al–Amal fi Ikhraj Zakat al–Fitr bi al–Mal.</i><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">c) Shaykh Dr. Mohamed A. Elgari (Saudi Arabia)<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">Dr. Elgari is an associate professor of Islamic Economics and the director of the Center for Research in Islamic Economics at King Abdulaziz University in Saudi Arabia. He is an expert at the Islamic Jurisprudence Academy (OIC), Economics. He is also an advisor to several Islamic financial institutions worldwide and the author of many books on Islamic banking.
<br />
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">d) Shaykh Yusuf Talal DeLorenzo (United States)<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">Mr. DeLorenzo is considered a leading Islamic scholar in the United States. He has translated over twenty books from Arabic, Persian, and Urdu for publication in English and has been commissioned to prepare a new translation of the Quran. Mr. DeLorenzo compiled the first English translation of legal rulings issued by <i>Shariah</i> supervisory boards on the operations of Islamic banks. since 1989, Mr. DeLorenzo has served as secretary of the Fiqh Council of North America. He is also a <i>Shariah </i>consultant to several Islamic financial institutions and was an advisor on Islamic education to the government of Pakistan.<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102); font-family: arial;font-family:arial;"><span style="font-size:85%;">e) Shaykh Dr. Mohd Daud Bakar (Malaysia)<o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;"><span style="font-size:100%;"><span style="font-family: arial;font-family:arial;font-size:85%;" >Dr. Bakar is currently a member of the </span><span style="font-size:85%;"><i style="font-family: arial;">Shariah </i></span><span style="font-family: arial;font-family:arial;font-size:85%;" >Advisory Council of many financial institutions in Malaysia and around the world, including the Central Bank of Malaysia, Securities Commission of Malaysia, International Islamic Financial Market in Bahrain, Accounting and Auditing Organization for Islamic Financial Institutions in Bahrain and HSBC (Malaysia).</span><o:p></o:p></span></p><div style="text-align: justify; color: rgb(102, 51, 102); font-family: arial;"> </div><p style="text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-weight: bold; color: rgb(102, 51, 102);">
<br /></span></span></p><p style="text-align: justify;font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-weight: bold; color: rgb(102, 51, 102);">The prospects for Islamic ETFs are bright as there is a shortage of good Islamic investment instruments to cater for the rising global demand for such products. An Islamic ETF only tracks an Islamic benchmark index where the index constituents comprise of companies which are </span><i style="font-weight: bold; color: rgb(102, 51, 102);">Shariah</i><span style="color: rgb(102, 51, 102);"> <span style="font-weight: bold;">compliant. On 22 January 2008, Malaysia launched the region’s first </span></span><i style="font-weight: bold; color: rgb(102, 51, 102);">Shariah </i><span style="font-weight: bold; color: rgb(102, 51, 102);">compliant ETF.</span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(102, 51, 102);"></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com1tag:blogger.com,1999:blog-2273346711175608327.post-58875797008140471922009-10-14T21:17:00.002+08:002009-10-14T21:22:37.621+08:00A LITTLE INTRODUCTION ON STRUCTURED INVESTMENT PRODUCTS<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgICiWdsex4uIAHfM3bnj6cgv95-2FjNNXnR0552Rl32LB5zAOAY94R3YAI0k4tMkxJx8h6mPtPipZ8TrfmILCqHS-RDqq90zdk0mDDeF38wukAgrslaIXI0D7wME7bOE3IkMZCWuO/s1600-h/105.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgICiWdsex4uIAHfM3bnj6cgv95-2FjNNXnR0552Rl32LB5zAOAY94R3YAI0k4tMkxJx8h6mPtPipZ8TrfmILCqHS-RDqq90zdk0mDDeF38wukAgrslaIXI0D7wME7bOE3IkMZCWuO/s400/105.JPG" alt="" id="BLOGGER_PHOTO_ID_5392445308207517234" border="0" /></a>
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style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">The range of structured investment products available on the market has increased enormously in recent years. The market growth has been mainly investor-driven. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">Islamic investment emerged as a response to rising investor demand in the Middle East in the 1970s and is now growing at an estimated annual rate of 15%. Over the years, liberalization of state policies in most Middle East and South East Asian countries have benefited the institutions; Islamic investment has also allegedly further developed in the wake of socially responsible investment and a revival of Islamic ideology as applied to investment ethics.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">A structured investment product has no particular definition and generally, it involves the combination of various legal structures to achieve a certain solution or products matching investors’ requirements. Structured investment products are designed to facilitate highly customized risk-return objectives and used most often to protect principal, enhance returns and more closely align the investment with the investor's market and economic views. The ultimate goal is to develop an investment with a better risk-return outcome than its original underlying market exposure. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Structured investment products help investors pursue diversified portfolios without the complex credit, legal and operational issues that surround the execution of derivative strategies; address various market conditions and risk management objectives, e.g., protection, optimization, enhancing returns and leverage. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">The range of structured investment products available is extensive. Most structured investment products fall into one of the four basic categories, ranging from relatively conservative investments to those that offer greater potential returns while taking on more risk, which are :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(102, 0, 0);">1) Principal protection </span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Principal protected structured products may be more appropriate for conservative investors seeking market exposure with principal preservation. A principal protected investment may be appropriate for investors unwilling to risk their principal or who have long-term financial obligations. These investors are willing to forgo some upside potential or yield in exchange for principal protection at maturity. These investments generally offer a return at maturity linked to an underlying such as a broad-based equity index or a qualified basket of stocks. Investors typically give up a portion of the equity appreciation in exchange for principal protection. Maturities often range from five to seven years, and clients should intend to hold the investments to maturity.
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<br /><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(102, 0, 0);">2) Enhanced yield </span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Enhanced yield structures may be appropriate for more risk tolerant investors seeking higher returns than comparable debt instruments. Payment at maturity on investments is determined by the performance of an underlying asset or group of assets and principal may be at risk. Here, investors generally forfeit partial or full principal protection at maturity in exchange for the potential to earn a higher participation. In exchange for accepting full downside exposure in the underlying, an enhanced yield investment offers double or triple the equity returns up to pre-specified maximum. Therefore, investors can be exposed to downside risk and may lose part or all of their original investment. Additionally, investors may receive shares of stock at a value below the original principal amount at maturity. Coupon payments and payment at maturity is subject to the credit risk of the issuer.
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<br /><span style="font-size:100%;"><span style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(102, 0, 0);">3) Access</span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Structured investment products can provide investors with access to an asset or group of assets not readily available to private investors. These products can offer exposure to markets or strategies that may be inefficient or difficult for investors to obtain, such as foreign exchange rates or commodities. Since these products may not provide for full repayment of principal at maturity and are typically linked to sophisticated underlying assets, they may be more appropriate for moderate to aggressive investors.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(102, 0, 0);">4) Leverage</span><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Structured products that utilize leverage may be generally more appropriate for aggressive investors wanting to capitalize on a particular market view. These short term products provide partial or no principal protection but do offer the potential to receive leveraged returns on the value of the underlying asset. Some structures may offer additional leverage in exchange for capped or limited upside potential. Investors are exposed to downside risk of the underlying investment and may lose part or all of their original investment.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Islam encourages people to take business risks in return of reward and also encourages the earning of income rather than leaving funds inactive (which is the foundation of the legal maxim, <i style="color: rgb(204, 0, 0);">al-ghorm bil ghonm</i>). Since structured investment product, by its nature, is something that can deliver diverse risky cash flows to investors, it is a huge business. Thus, the Islamic structurers are also looking for ways to deliver the same cash flows, by using Islamic investment structured products to the <i>Shariah-</i>conscious Muslim investors. The main challenge for banks lies in structuring products in a <i>Shariah</i> compliant way, that requires strong innovation capabilities as well as a robust infrastructure to satisfy risk management and booking requirements of such investments.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">In Malaysia, the first <i>Shariah</i> compliant structure was approved by the Securities Commission in 2006 and to-date, more than RM23 billion has been approved, where majority of the Islamic structured investment products are linked to performance of equities, profit rates, foreign exchange rates and fixed income instruments.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Usually, structured investment products need to be “wrapped” so that it could be used to create securities, making it legal and tax efficient. The same applies to Islamic structured investment products, where “wrapping” is necessary to make the product <i>Shariah</i> compliant.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Another pertinent fact to consider when structuring Islamic financial products is that not only must the desired payout profiles with their risk-return features be optimised, but strict care must be taken to ensure that the tripartite harmony with <i>Shariah</i> is observed, which means that the following three elements must all conform with Shariah, i.e.:<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">a) underlying<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">b) trading mechanism or investment strategy<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">c) packaging structure<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">In Malaysia, the regulatory requirements for issuance of Islamic investment structured products are clearly spelt out in the Bank Negara Malaysia and Securities Commission of Malaysia. <span style=""> </span>Islamic products need to comply with the general regulatory requirements which include requirement for disclosures, suitability and fair dealing requirements and rating requirements; and most importantly, to adhere to the <i>Shariah</i> specific requirements.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">The future looks bright for Islamic structured investment products. Financial institutions in countries such as Bahrain, the United Arab Emirates and Malaysia have been gearing up for more <i>Shariah</i> compliant financial instruments and structured finance, both on the asset and liability sides. <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 0, 153);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(0, 0, 153);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style="font-weight: bold; color: rgb(0, 0, 153);font-size:100%;" ><i style="font-family:arial;"><span style="font-size:12;">
<br /></span></i></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style="font-weight: bold; color: rgb(0, 0, 153);font-size:100%;" ><i style="font-family:arial;"><span style="font-size:12;">Shariah</span></i></span><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 0, 153);font-size:100%;" ><span style="font-family:arial;"> compliant products have long been treated as “Muslim only,” however, such perceptions no longer carry any weight as leading financial centres located in “non-Muslim” soils, e.g., Hong Kong, London, New York and Singapore, are making significant progress in establishing the legal and prudential foundations to accommodate Islamic finance side by side with the conventional financial system.
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<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(0, 0, 153);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com2tag:blogger.com,1999:blog-2273346711175608327.post-40506367099146650802009-10-12T15:19:00.005+08:002009-10-12T21:56:13.725+08:00NEW PROPAGANDA OF THE WEST<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDoHAAKpxHcZS0DjrQwZcAZweJB1d1ufPEyra7Bk6AOYTPcmavtmLQ2osaOPoYfZ8ye17gOS2f9eC1EKPmLeXOAijfFigxSoTYMtr6qziGJzgGEZ70Q5PqYAQIj7SchV58uod8GS8-/s1600-h/jihad.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDoHAAKpxHcZS0DjrQwZcAZweJB1d1ufPEyra7Bk6AOYTPcmavtmLQ2osaOPoYfZ8ye17gOS2f9eC1EKPmLeXOAijfFigxSoTYMtr6qziGJzgGEZ70Q5PqYAQIj7SchV58uod8GS8-/s400/jihad.jpg" alt="" id="BLOGGER_PHOTO_ID_5391610635396121218" border="0" /></a>
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bold; text-align: justify; color: rgb(51, 204, 0);" class="MsoNormal"><span style="font-size:100%;"><span style=";font-family:";font-size:12;" lang="EN-US">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">I was just browsing the internet when I came across an article on Shariah, Law and ‘Financial Jihad’: How Should America Respond? – and I was shocked to the core when I read further on one of the objectives of the project, i.e., <span style="color: rgb(153, 51, 153);">to</span></span><span style="font-size:12;"><span style="color: rgb(153, 51, 153);"> examine the extent to which </span><i style="color: rgb(153, 51, 153);">Shariah </i><span style="color: rgb(153, 51, 153);">amounts to a criminal conspiracy to overthrow the government of the United States by undermining and ultimately replacing the Constitution with Islamic law. In the process, every effort is made to document evidence of jihadist sympathies or teachings since such activities are tactics for advancing Shariah</span>.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">My first response was – this article is full of crap… (forgive my language, here..) and does not have any substance whatsoever but there should be a stop to all these ridiculous propaganda/attack on Islam. Here, the article linked prominent Shariah scholars to terrorists :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p>
<br /></o:p></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">1. <span style=""> </span><i style="color: rgb(153, 51, 153);">Sheikh Yusuf al-Qaradawi</i><span style="color: rgb(153, 51, 153);"> </span>- issue fatwas advocating suicide bombing and terrorism.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">2. <i><span style="color: rgb(153, 51, 153);">Mufti Muhammad Taqi Usmani</span> </i>– affiliated<i> </i>with jihad-centred education institutions<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">3. <i style="color: rgb(153, 51, 153);">Sheikh Yusuf Talal DeLorenzo</i> - member of an organization that provides funds to terrorist groups<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">Since they have no grounds (or have wasted all their resources) to find faults and start new wars with Afghanistan, Iraq, Iran and Syria, they are now starting to attack <i>Shariah</i> compliant products and services. Yes, they are creative but they must realize that generally, people are no longer stupid to follow their ideology…whether they like it or not, Islamic finance is progressing very well and have the full backing of emerging markets. Islamic finance is not there to convert non-Muslims to Muslims (therefore, such pickets and demonstrations held in London, Birmingham and Manchester are really not necessary).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">Change is necessary, however, one must have an open mind – finance and religion are two separate issues. Yes, <i>Shariah</i> encompasses all aspects of life, however, what is only projected in finance is just the <i>muamalat</i> aspects (dealings between man and man).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">The prominent scholars are well respected in their own rights – they have the Islamic background and the breadth of knowledge in modern finance – I guess by attacking them personally like this show that the authors are really out of ideas to add credibility to their so-called “study”.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(51, 204, 0);font-family:arial;"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p> </o:p></span></span></p><div style="text-align: justify; color: rgb(51, 204, 0); font-family: arial;"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;font-family:arial;"><span lang="EN-US" style="font-size:100%;"><span style="font-weight: bold; color: rgb(51, 204, 0);">
<br /></span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;"><span style=";font-family:";font-size:12;" lang="EN-US"><span style="font-weight: bold; color: rgb(51, 204, 0);font-family:arial;font-size:100%;" >My advice to my readers out there – <span style="color: rgb(153, 51, 153);">o</span><span style="color: rgb(153, 51, 153);">pen your heart, open your eyes, open your minds, evaluate for yourself – who is right and who is wrong.</span> All I can conclude is that the article is just a “cheap” way of getting attention and to steer away the attention of the Americans on the real economic situation in their own country – the easy way out is just to blame others (or finding other scape goats for the troubles that have been created by “capitalism”).</span></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; text-align: justify;">
<br /><span style=";font-family:";font-size:12;" lang="EN-US"><o:p></o:p></span></p> <p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt;"><span style=";font-family:";font-size:12;" lang="EN-US"><o:p> </o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-48449105743186480222009-10-02T11:06:00.004+08:002009-10-03T22:21:23.410+08:00SPECULATION VERSUS GAMBLING<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBRYAVZX600oJfaoavoSuE0DNJL3cgd4Y5ayiVpH-6i0dNEsnB0q7fB2R-gAn_uUO8vBINAIVpJnKEzc7XT85hFTIJbAk22Pkb8xoJWxvNa2NHkWcsP0iWybktgOIooOYCAtZ9lhSr/s1600-h/46.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 389px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBRYAVZX600oJfaoavoSuE0DNJL3cgd4Y5ayiVpH-6i0dNEsnB0q7fB2R-gAn_uUO8vBINAIVpJnKEzc7XT85hFTIJbAk22Pkb8xoJWxvNa2NHkWcsP0iWybktgOIooOYCAtZ9lhSr/s400/46.jpg" alt="" id="BLOGGER_PHOTO_ID_5387835666047162786" border="0" /></a>
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mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:auto; mso-para-margin-right:0cm; mso-para-margin-bottom:auto; mso-para-margin-left:0cm; text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">One knows that gambling (<span style="font-style: italic;">maysir</span>) is prohibited in Islam – but what about speculation? Are these two the same or are they different? I’ve asked a few of my Professors and they have different opinions on the subject.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">According to legendary investor, Benjamin Graham, "<span style="color: rgb(51, 204, 0);">The distinction between investment and speculation in common stocks has always been a useful one and its disappearance is a cause for concern. We have often said that Wall Street as an institution would be well advised to reinstate this distinction and to emphasize it in all dealings with the public. Otherwise the stock exchanges may someday be blamed for heavy speculative losses, which those who suffered them had not been properly warned against.</span>". <o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Martin Fridson divided the <span style="color: rgb(255, 102, 102);">definitions of speculation</span> into four categories - the definitions either implied the use of or involved (<span style="color: rgb(255, 102, 102);">1) price changes, (2) quick profits, (3) high risk, or (4) some combination all three elements</span>. Fridson was quick to point out that definitions can be dangerous and makes two points in attempting to prevent misunderstandings. "<span style="color: rgb(51, 51, 255);">First, there is no inherent contradiction in acknowledging that a deviation from the market portfolio in pursuit of capital gains is, by definition, speculation, while rejecting the claim that securities markets are perfectly </span><a style="color: rgb(51, 51, 255);" href="http://www.investorhome.com/emh.htm">efficient</a><span style="color: rgb(51, 51, 255);"> . . . At any given time, however, judging which securities are misvalued involves a certain amount of conjecture. 'Speculation' is therefore a fair term for attempts to exploit pricing </span><a style="color: rgb(51, 51, 255);" href="http://www.investorhome.com/anomaly.htm">anomalies</a><span style="color: rgb(204, 0, 0);"><span style="color: rgb(51, 51, 255);">. Again, it should be regarded as a description, rather than a pejorative appellation. Second, a genuinely usable definition of speculation must take into account that many portfolio managers concentrate within subsets of the universe of assets</span>.</span>"<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Bodie, Kane & Marcus (on their text book, Investments) argued that the <span style="color: rgb(153, 51, 0);">primary difference between speculation and gambling is "commensurate gain.</span>" They reason that "<span style="color: rgb(153, 51, 0);">a gamble is the assumption of risk for no purpose but enjoyment of the risk itself, whereas speculation is undertaken in spite of the risk involved because one perceives a favourable risk-return trade-off. To turn a gamble into a speculative prospect requires an adequate risk premium for compensation to risk-averse investors for the risks that they bear. Hence </span><i style="color: rgb(153, 51, 0);">risk aversion and speculation are not inconsistent</i>."<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Regardless of how you define the terms, it is likely to be a worthwhile activity to estimate your expected returns on both an absolute basis as well as relative to an appropriate benchmark. And if you find yourself enjoying the activity of investing or if you find yourself addicted to the speed and excitement of the trading game, perhaps you should seriously consider whether you've crossed the line between investing and speculation, or worse yet, maybe you are really gambling with your money.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">From an Islamic viewpoint, a good article has been written by <span style="color: rgb(102, 51, 102);">Rafic Yunus Al-Masri</span> titled “<span style="color: rgb(102, 51, 102);">Speculation between Proponents and Opponents</span>”, which was published in the Journal of <i>Islamic Econ., </i>Vol. 20 No. 1 (year 2007), pp: 43-52 where the author summarized the two viewpoints of speculation versus gambling and the exceprts are reproduced here:<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">“<span style="color: rgb(102, 51, 102);">The proponents of speculation differentiate between speculation and gambling on the basis that speculation depends upon information, experience and study unlike gambling that leans merely on fortune and coincidence. Yet, some believe that there are two types of speculation:</span><o:p style="color: rgb(102, 51, 102);"></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">- The first type depends upon experience. This type is few in number (speculationof big professionals).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">- The second type which is more popular depends upon fortune (speculation of small amateurs).<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(102, 51, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Despite the differences between them, both types are considered speculation. Likewise, modern gambling could also depend upon information, experience and study.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(102, 51, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(102, 51, 102);">The proponents of speculation believe that the gambler himself creates risks, while the speculator only transfers risks as he undertakes existing ones. On the other hand, the opponents of speculation believe that there is no difference between speculation and gambling, but rather it is a new version of it. They argue that in speculation as well as in gambling a few people gain huge and rapid fortunes while the majority loses and whatever is gained by the minority comes at the expense of the majority. In addition, the chances of the minority’s making a profit is very small, very close to their chances of winning the lottery. Accordingly, they are more liable to loss in both cases. On the other hand, big speculators' profits are huge and guaranteed at the expense of small speculators who are being exploited in the stock market to act as its fuel and victims at the same time</span>. “<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 51, 204);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">What interests me most about the article is when the author wrote in one of the conclusions, “<span style="color: rgb(204, 0, 0);">Speculation, gambling and monopoly are the characteristics of Capitalism, even if capitalism pretends to stand against these practices. Capitalism either calls things with other names or mentions something theoretically and violates it in practice. It does not abide by religion or ethics unless they serve the tycoons even if this leads to the small investors’ destruction. They want to impose upon us their system so that we lose the best we have and to receive the worst of what they have. This way they guarantee we stay behind in what they are already behind in</span>.”<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(204, 51, 204);font-size:100%;" ><span style=";font-family:arial;font-size:12;" >
<br /></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(204, 51, 204);font-size:100%;" ><span style=";font-family:arial;font-size:12;" >Well, that is something to think/discuss about…..</span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /><span style="font-weight: bold; color: rgb(204, 51, 204);font-size:100%;" ><span style=";font-family:arial;font-size:12;" ></span></span><span style=";font-family:";font-size:12;" lang="EN-US"><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-79368884528239909592009-09-29T19:52:00.006+08:002009-09-29T20:07:21.404+08:00TIPS TO FOLLOW WHEN MARKETS FALL.....<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnucQIJLqTMqA6zkmEnAlumFNikTYEsfHHPmBwzJLpP27Z1F5eMZCBnU_3Y0BMOSEN_35FWUtZ4r2wJG5EUw-Kw-itIVkjCVGtrzY6NBrhSpsU-6h40LUYFLHFvs8XlB5fvsEkw6Jt/s1600-h/27.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 399px; height: 393px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnucQIJLqTMqA6zkmEnAlumFNikTYEsfHHPmBwzJLpP27Z1F5eMZCBnU_3Y0BMOSEN_35FWUtZ4r2wJG5EUw-Kw-itIVkjCVGtrzY6NBrhSpsU-6h40LUYFLHFvs8XlB5fvsEkw6Jt/s400/27.jpg" alt="" id="BLOGGER_PHOTO_ID_5386858164874469618" border="0" /></a>
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text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;"><strong>Sorry, but I could not resist to include small tips on what-to-do when markets fall (he..he…). Well, we should NEVER </strong>forget that what goes up, must come down. This rule, I believe is the cornerstone of a successful and contented life. A sudden rise in the stock indices may have you smiling from ear to ear. It's the slide that tests your real strength. </span></p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;">
<br /></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;">And if the current slide makes you feel timid, wealth gives you these six tips.
<br />
<br /><strong></strong></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;"><strong style="color: rgb(255, 102, 0);">Tip 1 :</strong><span style="color: rgb(255, 102, 0);"> </span><strong style="color: rgb(255, 102, 0);">Hear no evil</strong><u>
<br /></u>Forget about rationalising and explaining (or listening to other people explain) why stocks are falling. It's a pointless exercise.
<br />
<br /><strong></strong></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;"><strong style="color: rgb(255, 102, 0);">Tip 2 :</strong><span style="color: rgb(255, 102, 0);"> </span><strong style="color: rgb(255, 102, 0);">Remember the bad times</strong>
<br />File the experience away as a worthwhile reminder of how risky the stocks are. Draw on that memory during the next market boom when optimistic market seers tell you that stocks are not risky.
<br />
<br /><strong></strong></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;"><strong style="color: rgb(255, 102, 0);">Tip 3 :</strong><span style="color: rgb(255, 102, 0);"> </span><strong style="color: rgb(255, 102, 0);">Don't wait it out</strong>
<br />If you believe, based on your preferred market measure, that stocks have over corrected, don't wait for the correction to end. </span> </p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;">
<br /><strong style="color: rgb(255, 102, 0);">Tip 4 :</strong><span style="color: rgb(255, 102, 0);"> </span><strong style="color: rgb(255, 102, 0);">Be contrarian</strong>
<br />Recognise that even if you are right about the market overcompensating for past mistakes, there will be months of pain before the gain. Being a contrarian is easy on paper but much tougher in practice.
<br />
<br /><strong></strong></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;"><strong style="color: rgb(255, 102, 0);">Tip 5 :</strong><span style="color: rgb(255, 102, 0);"> </span><strong style="color: rgb(255, 102, 0);">Change of perspective</strong>
<br />Markets will go up and go down -- you cannot change that. You can change the way you look at it. When you have money you will invest, when you need money you will sell. There is no call to action based on 'what the market will do'. So that does not matter.
<br />
<br /><strong></strong></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;"><strong style="color: rgb(255, 102, 0);">Tip 6 :</strong><span style="color: rgb(255, 102, 0);"> </span><strong style="color: rgb(255, 102, 0);">Get real!</strong>
<br />Console yourself with the recognition that the professional portfolio managers and the market experts you see on television are staring into tele-prompters not crystal balls.
<br />
<br /></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;">These tips should keep you afloat even if things go from bad to worse. And when they do, here is another rule for you to remember : No Matter How Bad things are, remember they can always get worse!
<br /></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;">
<br /></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;">And on that happy note, I shall bid you goodbye for today!!!!!</span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);">
<br /></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;">
<br /></span> </p><div style="text-align: justify; color: rgb(204, 51, 204);"> </div><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(204, 51, 204);"><span style="font-size:100%;"><o:p> </o:p></span></p> <p style="font-family: arial; font-weight: bold;"> </p> <p><o:p> </o:p></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-67612419407062313952009-09-29T19:14:00.004+08:002009-09-29T20:08:30.301+08:00RULES OF INVESTMENT SUCCESS<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyA6gKa1cF6lVG-a3p3s7JwTXLKeQo1Xa2bhIOAfPXcqFFVswg3w6IRgcIN-9K7yvssGZK0Wi0UDWeJZ8arB4RmhP0xvg-ia-tyTjfxx9rQiWt6P2fBwpZE9kMNe4PJnJjL7_t4c1J/s1600-h/12.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 338px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyA6gKa1cF6lVG-a3p3s7JwTXLKeQo1Xa2bhIOAfPXcqFFVswg3w6IRgcIN-9K7yvssGZK0Wi0UDWeJZ8arB4RmhP0xvg-ia-tyTjfxx9rQiWt6P2fBwpZE9kMNe4PJnJjL7_t4c1J/s400/12.jpg" alt="" id="BLOGGER_PHOTO_ID_5386855229211173618" border="0" /></a>
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text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">I was just flipping an article which was forwarded by my Professor on "10 basic rules for successful investing" and decided (just for the fun of it) to check out in the “world wide web” on other successful investment rules…. My goodness, there are hundreds of rules available to choose from (up to your heart’s desire…)<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">However, I am captivated by the 16-rules of investment success by Sir John Templeton (the founder of Templeton Funds), which are :<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">
<br /></span></u></span></p><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><u><span lang="EN-US" style="font-size:12;">Rule 1 : Begin with a prayer<o:p></o:p></span></u></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p class="MsoNormal" style="margin: 0cm 0cm 0.0001pt; font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><span style="font-size:12;">Prayer helps you think clearly and make fewer mistakes. Meditation is known to reduce anxiety and stress, helping in better decision making.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 2: Invest for maximum total real return</u> </strong>
<br />It is important to only consider the total real return i.e. the money you make in your investment lifetime after inflation and taxes. Many investors get carried away by short-term movements. They tend to ignore the long-term opportunities. Thus, it is wise to invest for total real returns. </span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 3: Remain flexible and open-minded</u> </strong>
<br />Flexibility comes from being agile. Open-mindedness is learning from new ideas and perspectives..</span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 4: Invest, do not trade or speculate</u> </strong>
<br />Almost all successful people in the stock market are investors and not traders. They invest for long-term and are patient. There are many investors who have become millionaires solely on return of one stock in their portfolio over a decade. Sure they bought lot of other stocks which went nowhere but the one or two stocks that did well made all the difference. Traders think of the market as a casino where you play daily to win, investors think of markets as a long-term wealth building exercise.</span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 5: Search for bargains</u></strong>
<br />Just as we buy garments at discount sale, we need to buy and not sell stocks when markets are crashing. </span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 6: Don't buy market trends or economic theorie</u></strong><u>s</u>
<br />You should not rely on economic theories and market trends while investing as they are told only after the event has occurred.
<br />
<br /><strong></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 7: Diversify across assets and across markets, there is safety in numbers</u></strong>
<br />To spread risk, investments should be diversified across assets such as:
<br />
<br />- Stocks / equity mutual funds
<br />- Bonds/ bond mutual funds
<br />- Gold/ gold exchange traded funds
<br />- Real estate
<br />- Foreign mutual funds
<br />- Traditional assets such as fixed deposits and public provident funds</span> </p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 8: Do your homework or hire experts who will do it for you</u></strong><u>
<br /></u>Some of us invest based on tips and rumours, that is speculating not investing. You should read and research all investment ideas well, take time to understand the upside and downside of each investment before buying. Or else, you must engage quality financial advisors before investing.
<br />
<br /><strong></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 9: Aggressively monitor your investments</u> </strong>
<br />No investment is forever. Expect change and react to it. There are no permanent bull market and bear market. </span> </p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 10: Don’t Panic</u></strong>
<br />Many people panic and exit the market when there is a dip. It is better to sell before a crash not after. </span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 11: Learn from your mistakes</u></strong>
<br />The only way to avoid mistakes is not investing which is the biggest mistake of all. </span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;">
<br /><strong><u>Rule 12: Beating the markets is a difficult task</u></strong>
<br />Even professional fund managers have tough time doing it. Hence, an investor should remember that getting above market returns year after year is difficult.
<br />
<br /><strong></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 13: Buy low</u></strong>
<br />So simple in concept, yet so difficult to practice. Humans tend to think in herds and not alone.</span> </p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 14: Anyone who has all the answers doesn’t even know the questions</u></strong><u>
<br /></u>Markets make even the most brilliant fund managers humble. We have seen big fund managers make wrong decisions. An investor who thinks he knows everything doesn't usually know anything. Success is a process of seeking out answers to newer questions.
<br />
<br /><strong></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 15: There is no free lunch</u> </strong>
<br />Never invest based on a tip or rumour. Everyone talks about their profits however small and no one talks about their losses however big.
<br />
<br /><strong></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Rule 16: Do not be fearful or negative too often</u></strong>
<br />There will be corrections and crashes in the markets, but markets do recover and reward diligent and patient investors.</span> </p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><o:p> </o:p></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;">In addition to the above rules, for your investments, you might have to pay a heavy price for even small mistakes that you do. Here are the seven most common blunders that investors make.</span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Mistake 1</u></strong><u> : <strong>Believing that trading is the same as investing</strong></u>
<br />When you buy and sell stocks and mutual funds at the drop of a hat (read – without any research or planning), you are essentially ‘trading’. This will not help you to build long-term wealth. Yes, this is a fantastic way to make money, but for your broker, not you!</span></p><div style="text-align: justify; color: rgb(204, 0, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Mistake 2</u></strong><u>.: <strong>Being too conservative with your money</strong></u>
<br />‘Real returns’ is the keyword here. These are returns post inflation. Putting away money in safe options such as bank depositsand so on might give you a negative real return. This is true especially in times of high inflation, such as now</span></p><div style="text-align: justify; color: rgb(204, 0, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Mistake 3 :</u></strong><u> <strong>Being too aggressive with your money</strong></u>
<br />This is just another way to lose money. Pumping money into high risk avenues, such as equities, without understanding can prove dangerous. A Warren Buffet saying sums it all up -- To finish first, you have to first finish!</span></p><div style="text-align: justify; color: rgb(204, 0, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Mistake 4 : Keeping the ‘duds’</u></strong>
<br />It is important to invest in good quality stocks, choose a good fund manager, invest small amounts at regular intervals and hold for a long term. That will make money for you.</span></p><div style="text-align: justify; color: rgb(204, 0, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Mistake 5 :</u></strong><u> <strong>Incorrect asset allocation</strong></u>
<br />Too much of debt for the long term or too much of equity for the next quarter, is a sure fire way to leave you with little returns. It is wise to build a portfolio based on your risk capacity and financial goals.</span></p><div style="text-align: justify; color: rgb(204, 0, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Mistake 6 :</u></strong><u> <strong>Timing the market</strong></u>
<br />Even experts cannot time the markets, leave alone investors. No one knows where the markets are headed in the short to medium term. Hence, it is foolhardy to time the markets. Instead, a disciplined investing, irrespective of market levels, pays off in the long run.</span></p><div style="text-align: justify; color: rgb(204, 0, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>
<br /></u></strong></span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;"><strong><u>Mistake 7 : Overconfidence</u></strong>
<br />If you hit a couple of ‘home runs’ (as the Americans say), you start to believe that you will continue to hit home runs regularly. This is true for most of us -- we attribute our recent success as our creation and therefore we think we can repeat it. This overconfidence can lead to a big portfolio disaster.</span></p><p style="font-weight: bold; text-align: justify; color: rgb(204, 0, 0);font-family:arial;"><span style="font-size:100%;">
<br /></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;"><o:p> </o:p></span></p><div style="text-align: justify; color: rgb(0, 153, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;">Now, feel confident enough to start some investing?
<br /></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 153, 0);font-family:arial;"><span style="font-size:100%;">
<br /></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0tag:blogger.com,1999:blog-2273346711175608327.post-23456359166126156452009-09-19T00:15:00.006+08:002009-09-19T00:26:09.346+08:00MY PERSONAL EID FITR WISH....<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZBzb-V5oUdJfBqQqkeueEn3y7Q9VIhYH_hH29IrYrstt-W1mrs93kJtarpO4CublDhfxbGUzIX2dKMGwdFhQ_NH-TPSv-CFzFxHeFO1gIHu_q1dGOi4yJEFvsuv8pjet3wSNLnyjC/s1600-h/raya2.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZBzb-V5oUdJfBqQqkeueEn3y7Q9VIhYH_hH29IrYrstt-W1mrs93kJtarpO4CublDhfxbGUzIX2dKMGwdFhQ_NH-TPSv-CFzFxHeFO1gIHu_q1dGOi4yJEFvsuv8pjet3wSNLnyjC/s400/raya2.jpg" alt="" id="BLOGGER_PHOTO_ID_5382842768050604162" border="0" /></a>
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bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">This Sunday 20/9/20</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">09, Muslims in Malaysia will celeb</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">rate the Eid F</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">itri….and my thou</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">ghts went to those of my loved ones who are not here to ce</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">lebrate the auspiciou</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">s day….</span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal">
<br /><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzoIJ11j0XDXmd2WiiZMGYubDi2ELLn36xMO58IM_743kEK91qFg8PDrMGvN_8wPKLtiMEjEpAeY9DuYIZ4XUhldUgAIrgdswjRpmcdGR7yfLLztAEiZANDhBnHIqQ-Uouu2YVOi7k/s1600-h/eid1.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 350px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzoIJ11j0XDXmd2WiiZMGYubDi2ELLn36xMO58IM_743kEK91qFg8PDrMGvN_8wPKLtiMEjEpAeY9DuYIZ4XUhldUgAIrgdswjRpmcdGR7yfLLztAEiZANDhBnHIqQ-Uouu2YVOi7k/s400/eid1.jpg" alt="" id="BLOGGER_PHOTO_ID_5382842755752201938" border="0" /></a></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">One of them is my dearest younger brother who is now in Dubai and are unable to com</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">e h</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">ome to celebrate “raya” with the rest of the family in KL …well, one thing for sure, “raya” is not the same without him…</span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);font-family:arial;" class="MsoNormal">
<br /></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0); font-family: arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">
<br /></span></span></p> <p style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0); font-family: arial;" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">So to my dearest brother, this message is specifically f</span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;">or you…<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div> <p face="arial" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><span style="color: rgb(153, 51, 0);">“Selamat Hari Raya & Maaf Zahir Batin. Take good ca</span></span></span><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><span style="color: rgb(153, 51, 0);">re of yourself and may you be in the protection of Allah at all times.”</span></span></span></p><p face="arial" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);" class="MsoNormal"><span style="font-size:100%;"><span lang="EN-US" style="font-size:12;"><span style="color: rgb(153, 51, 0);">
<br /></span></span></span></p><div style="text-align: justify; color: rgb(0, 102, 0);"> </div><p face="arial" style="font-weight: bold; text-align: justify; color: rgb(0, 102, 0);" class="MsoNormal"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVYp_9-8826QKmLtQN1VlQOvUHf0Gleo8-3cQRhuCBjw0pYeoGSDWc-Ck7B13jREiSlNCgtG_5bW4Vn72RfmHvR_2JuYv_yorWLOl_FqE15x2TcXClnEkdMKUVutAtFjZf0AkAXGgY/s1600-h/rayercu4.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 291px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVYp_9-8826QKmLtQN1VlQOvUHf0Gleo8-3cQRhuCBjw0pYeoGSDWc-Ck7B13jREiSlNCgtG_5bW4Vn72RfmHvR_2JuYv_yorWLOl_FqE15x2TcXClnEkdMKUVutAtFjZf0AkAXGgY/s400/rayercu4.jpg" alt="" id="BLOGGER_PHOTO_ID_5382842776665510178" border="0" /></a></p> <p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" lang="EN-US"><span style="font-weight: bold; color: rgb(0, 102, 0);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" lang="EN-US"><span style="font-weight: bold; color: rgb(0, 102, 0);font-size:100%;" ><span style="font-family:arial;">To all Muslims around the world…I wish you a blessed Eid Fitr…May Allah protects and blesses us all….</span></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" lang="EN-US"><span style="font-weight: bold; color: rgb(0, 102, 0);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p style="text-align: justify;" class="MsoNormal"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHWrV039CLSvMZZ5V0gXfJcWT0hYLjkwjZWNhiTZYxoF4DeMMPy1lky97FLZGbV8-Grvgfz86b1ZyuDzxRMYNXWRyl5ZpHOWGw2ytLPE3xhnbupI8pGjh7ezJblqI5Mi6h8oRDnevY/s1600-h/raya.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 255px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHWrV039CLSvMZZ5V0gXfJcWT0hYLjkwjZWNhiTZYxoF4DeMMPy1lky97FLZGbV8-Grvgfz86b1ZyuDzxRMYNXWRyl5ZpHOWGw2ytLPE3xhnbupI8pGjh7ezJblqI5Mi6h8oRDnevY/s400/raya.jpg" alt="" id="BLOGGER_PHOTO_ID_5382842763978593554" border="0" /></a>
<br /><span style=";font-family:";font-size:12;" lang="EN-US"><span style="font-weight: bold; color: rgb(0, 102, 0);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com2tag:blogger.com,1999:blog-2273346711175608327.post-88537949824578411282009-09-18T23:49:00.003+08:002009-09-18T23:58:04.392+08:00CELEBRATION OF EID FITR<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9hSWePIviVWVWAeMQWohu6ZBgp5oZ5u6BnsHrXJ5ttaQ_zkCRW8Jub2rDrdbriE75KGfNZSJQ4DgXa1kzn-DyG3hEFcPjRLQR-xb5mreJIBKNeiB2ODZDR8-KenmEjowH6-275oQg/s1600-h/eid-ul-fitr_comment_graphic_01.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 248px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9hSWePIviVWVWAeMQWohu6ZBgp5oZ5u6BnsHrXJ5ttaQ_zkCRW8Jub2rDrdbriE75KGfNZSJQ4DgXa1kzn-DyG3hEFcPjRLQR-xb5mreJIBKNeiB2ODZDR8-KenmEjowH6-275oQg/s400/eid-ul-fitr_comment_graphic_01.jpg" alt="" id="BLOGGER_PHOTO_ID_5382836797744998610" border="0" /></a>
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Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; text-align:justify; text-justify:inter-ideograph; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-fareast-font-family:PMingLiU; mso-bidi-font-family:Arial;} p {mso-style-noshow:yes; mso-style-priority:99; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman";} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt; mso-ascii-font-family:Calibri; mso-fareast-font-family:PMingLiU; mso-hansi-font-family:Calibri; mso-bidi-font-family:Arial;} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 72.0pt 72.0pt 72.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:PMingLiU; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Arial; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--> <p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(51, 102, 102);"><span style="font-size:100%;">Eid Fitr is the Day of Thanksgiving to Allah swt, for giv</span><span style="font-size:100%;">ing His servants the opportunity to fast and to worship Him in the month of Ramadan. On this Day, Muslims leave their jobs, wear clean clothes, offer special Eid prayer and after prayers go to visit one another and take part in festivities. Small children wear beautiful new clothes, and are very busy enjoying the festival. Their angelic faces beam with joy.</span></p><div style="text-align: justify; color: rgb(51, 102, 102);"> </div><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(51, 102, 102);"><span style="font-size:100%;">
<br /></span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(51, 102, 102);"><span style="font-size:100%;">Islam wants that all Muslims, whether rich or poor, should enjoy Eid. It has, therefore, commanded all the well-to-do people to pay the Zakat e-fit</span><span style="font-size:100%;">r. The payment of Zakat-e-Fitr is obligatory upon every person who is adult, sane and free at the time of the sunset on the last day of Ramadan, and is also not dependent upon others for means of subsistence. If the person concerned is the head of a family, it is incumbent upon him to pay his own Zakat e-Fitr as well. Zakat-e-Fitr is the right of the poor and the needy, and can be spent for those purposes only, for which Zakat, payable on property, is expendable. This includes helping the deserving people and building hospitals, bridges, schools, etc.</span></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(51, 102, 102);">
<br /></p><p style="font-family: arial; font-weight: bold; text-align: justify; color: rgb(51, 102, 102);"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUNjpS96xT9y82PrdbQG6_9pFzbvSCsZx9OsGHfIMp65sqqleiOzHzo0WB7wHnpscX1ozbAIizSf6WFyxuH3PnkV0BKpO9PvDtxnX3th80BOw3AzItFIBSh6oQ4red_U-oewuc-Y9U/s1600-h/eid_ul_fitr.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 236px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUNjpS96xT9y82PrdbQG6_9pFzbvSCsZx9OsGHfIMp65sqqleiOzHzo0WB7wHnpscX1ozbAIizSf6WFyxuH3PnkV0BKpO9PvDtxnX3th80BOw3AzItFIBSh6oQ4red_U-oewuc-Y9U/s400/eid_ul_fitr.jpg" alt="" id="BLOGGER_PHOTO_ID_5382836796360258290" border="0" /></a></p><div style="text-align: justify; color: rgb(51, 102, 102);"> </div><table class="MsoNormalTable" style="font-weight: bold; text-align: left; margin-left: 0px; margin-right: 0px; color: rgb(51, 102, 102);font-family:arial;" border="0" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="padding: 0cm;" valign="top"> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">The following acts are prescribed as Sunnah at the beginning of the day of Eid ul-Fitr before proceeding to the Eid prayer.<o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">1) <u>Muslims should put on their best available clothes</u><o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Ibn Al-Qayyim said :<o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(204, 0, 0);">"The Prophet (saw), used to wear his best clothes for the Eid prayers and he (saw) had clothes that he reserved for the two Eids and Jumu'ah."</span> (Muslim)<o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">It is reported that Prophet (saw) used to wear a special dress to grace the occasion, but it was never a costly one and was always within the reach of everybody. Once Umar brought a costly dress for him requesting him to wear it on Eid days and other ceremonial occasions. Holy Prophet Muhammad (saw) immediately returned the dress observing that it did not behave a believer to wear such a costly dress. The result was that all the Companions dressed simply on this occasion and consequently this simplicity became a symbol of the Islamic society.<o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">2) <u>Muslims should eat before going to Eid prayer. This is Sunnah and will also help to circumvent the assumption that one must continue to fast until the Eid prayer is over.</u><o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Anas (ra) narrated :<o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(204, 0, 0);">"Allah's Messenger would not leave (his house) on the day of Fitr until he ate some dates."</span> (al-Bukhari)<o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Buraydah Bin al-Haseeb (ra) narrated :<o:p></o:p></span></span></p> <p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;"><span style="color: rgb(204, 0, 0);">"The Prophet (saw) would not leave (his house) on the day of Fir until he ate. On the day of Nahr (slaughtering) he would not eat until he returned - so that he would eat from his sacrifice."</span> (at-Tirmidzi)<o:p></o:p></span></span></p> </td> <td style="padding: 0cm; width: 19.2pt;" width="26">
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<br /></span></span></p><p class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Muslims celebrate 'Eid ul Fitr on the first day of Shawal the tenth month of the Islamic calendar, following the month of Ramadhan. The 'Eid prayer is important for Muslims as it has the merits of the daily prayers and the weekly gathering (Jumu'ah). On the day of Eid, fasting is forbidden since this day marks the end of the month-long fast. For those who fasted during the month of Ramadhan, there is a sense of triumph and accomplishment. <o:p></o:p></span></span></p> </td> </tr> </tbody></table><div style="text-align: justify; color: rgb(51, 102, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 102, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 102, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">Eid Al-Fitr serves a three-fold purpose: It places upon every Muslim the obligation to remember Allah swt and offer Him thanks; it affords him an opportunity of spiritual stock taking in that he can now ponder over the strength of his will or the weakness of his character, as the case may be, which manifested itself during the preceding month (Ramadhan); it also is the day for the haves to share a portion of what they have with the have-nots.<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 102, 102);"> </div><p style="font-weight: bold; text-align: justify; color: rgb(51, 102, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">
<br /></span></span></p><p style="font-weight: bold; text-align: justify; color: rgb(51, 102, 102);font-family:arial;" class="MsoNormal"><span style="font-size:100%;"><span style="font-size:12;">And, for those persons who disobeyed this command of Allah swt this is the day of an end to the month-long pangs of conscience, inner struggle and continuous realization of the feebleness of their character. No more will they have to argue, without much conviction, against fasting. No more will they have to think up an excuse every morning for not fasting. No more will they have to say "Oh, but fasting is old-fashioned; it was not meant for the modern world."<o:p></o:p></span></span></p><div style="text-align: justify; color: rgb(51, 102, 102);"> </div><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(51, 102, 102);font-size:100%;" ><span style="font-family:arial;">
<br /></span></span></span></p><p style="text-align: justify;" class="MsoNormal"><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(51, 102, 102);font-size:100%;" ><span style="font-family:arial;">The measure of a man's love for his Creator is his unquestioned obedience to the commands of the Creator. When for whole month a Muslim has obeyed Allah swt, unquestioningly, without complaint, without regret, and when he has spent his time in prayers, in humility and in charity, should one wonder, if at the end of this period, the Creator may Himself turn to such creature of His and say: "It is now for thee to ask for Me to give."</span></span></span></p><p style="text-align: justify;" class="MsoNormal">
<br /><span style=";font-family:";font-size:12;" ><span style="font-weight: bold; color: rgb(51, 102, 102);font-size:100%;" ><span style="font-family:arial;"></span></span><o:p></o:p></span></p> SWEET CHILDhttp://www.blogger.com/profile/08727206978167468751noreply@blogger.com0