Just My Two Cents..
Mesti korang sume dah tahu...dunia skg tgh dilanda krisis ekonomi termasuk la negara kite sendiri....dari pendapat aku dan certain things yang aku baca....masalah ni berlaku sebab penggunaan RIBA dlm urusan perniagaan dan yang menggunakan kaedah ni adalah amerika...thats jatuh ekonomi skg nie...
RIBA ada salah satu sistem kapitalis...dan sebelum ni juga bank2 di malaysia juga turut mengamalkan this sistem ni...
apa itu sistem kapitalis??
Kapitalis tu sistem ekonomi pasaran terbuka.. maksud dia kerajaan xcampur tgn langsung dlm pasaran... US sistem kapitalis... China dulu sosialis (kerajaan tentukan Semua), tp skang China dah Kapitalis,sbb tu CHina dah hebat skang....
utk malaysia lak...campuran...kerajaan ada...swasta pn ada...alhamdulillah la...
Kenapa RIBA jadi punca semua ni??
Di amerika...ape yg dieorang pikir adalah just profit...keuntungan...jadi klu x amalkan RIBA ni..maknanya xde untung...bile xde untung..cam ne nk dpt duit..btl x??
Perbankan kat US adalah sistem yg sgt complex...
kenapa sgt complex??
sebab...dekat sana...bila ada orang apply loan house kat bank..bank akan jual balik loan house tu kat bank lain..utk dpt duit dgn kadar yg segera..rumah tadi la yg jadi cagaran...
cuba korang bayangkan klu orang yang miskin apply loan bank cam ni...xke susah die nk bayar interest nnti??btl x...??
bile dah susah nk byr interest...bank pun susah nk dpt profit...bile xdpt profit..bank rugi..sebab tu byk bank dah bankrap skg...bank terlalu focus profit on that way only...
jadi..kite yang kene skg ni...satu dunia teruk...
malaysia pun mgkn teruk jugak kena..sebab tu kerajaan kite nk review balik budget 2009..takot plak aku tgk ekonomi skg...hehe....
Just renungan...
"betapa indahnya ISLAM sebab agama ISLAM sahaja ada perbankan secara Islam"
nak tambah lagi....
( sumber dari jiwangers members berdasarkan terjemahan Quran, Hadith & musyawarah Ulama)
apabila berlakunya krisis ekonomi yg memang teruk( skg mgkn baru permulaan ) dan berlakunya kiamat kecil...perkara di bawah mampu membantu kita (secara zahiriah la)..
1.membeli emas (jika mampu .. kena usaha sungguh2 untuk dapatkan)
2.bercucuk tanam (untuk keperluan sendiri)
3.dan jika ada duit lebih .. cari la penempatan yg lebih tinggi
dalam Quran ada menyatakan akan berlaku .. di mana segala bentuk kewangan tak laku
dan elektronik sistem akan terputus....
kat atas ni info utk korang sume kalau xtahu...
balik pada topik asal...
baru2 ni bank negara dah bg jaminan sehingga 2010..duit simpanan kite selamat...diinsurankan sebanyak 60K...maknya nya sume deposit kita automatik di INSURAN kan oleh PIDM...
PIDM- Perbadanan Insuran Deposit Malaysia....
ekonomi tgh merudum...klu bank kat malaysia pun bankrap...abes la duit simpanan kita..kan??
jadi dgn ada nya PIDM ni...savings kita dah di insurankan...alhamdulillah....
list bank yang telah di insurankan:-
Affin Bank Berhad
Alliance Bank Malaysia Berhad
AmBank (M) Berhad
Bangkok Bank Berhad
Bank of America Malaysia Berhad
Bank of China (Malaysia) Berhad
Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad
CIMB Bank Berhad (formerly known as Bumiputra-Commerce Bank Berhad)
Citibank Berhad *
Deutsche Bank (Malaysia) Berhad
EON Bank Berhad
Hong Leong Bank Berhad
HSBC Bank Malaysia Berhad
J.P. Morgan Chase Bank Berhad
Malayan Banking Berhad
OCBC Bank (Malaysia) Berhad *
Public Bank Berhad *
RHB Bank Berhad
Standard Chartered Bank Malaysia Berhad
The Bank of Nova Scotia Berhad
The Royal Bank of Scotland Berhad (formerly known as ABN AMRO Bank Berhad)
United Overseas Bank (Malaysia) Berhad
Islamic Banks Affin Islamic Bank Berhad
Alliance Islamic Bank Berhad
Al Rajhi Banking & Investment Corporation (Malaysia) Berhad
AmIslamic Bank Berhad
Asian Finance Bank Berhad
Bank Islam Malaysia Berhad
Bank Muamalat Malaysia Berhad
CIMB Islamic Bank Berhad (formerly known as Commerce Tijari Bank Berhad)
EONCAP Islamic Bank Berhad
Hong Leong Islamic Bank Berhad
HSBC Amanah Malaysia Berhad
Kuwait Finance House (M) Berhad
Maybank Islamic Berhad
RHB Islamic Bank Berhad
Standard Chartered Saadiq Berhad
korang pikir x..apa yang akan berlaku nnti??cam ne keadaan ekonomi nnti???gawat ke??
krisis ekonomi yg berlaku skg..mgkn yg paling teruk dlm sejarah ( news yang kata taw..)
gawat(recession) tu ape??
Q. What is a recession?
A. There are various definitions, but the most accepted one is when GDP falls for two consecutive quarters.
korang fhm x?maksud die..gross domestic product (GDP) jatuh.... GDP ni macam income negara tersebut la....
sumber dari blog lain...
jika US market makin teruk...
"There is a 40 percent chance that Malaysia will enter technical recession in 2009, meaning two quarters of negative growth and a 30 percent chance it could be a real recession lasting more than two quarters depending on what happens in the U.S.,"
fuh...cam ne ni?? korang rasa penting x bg negara kita gawat??sebab ape??
Q. Why does a recession matter?
A. It matters a lot. A recession means businesses make less money than they used to and consumers spend less money.
This ultimately causes serious problems. It leads to companies cutting back on investment in exciting new projects, life-saving drugs or technologies; firms can no longer afford to reward the bright and the best and ultimately sack workers.
This, in turn, means people are not paid as much – or lose their jobs – and have less money to spend. As a result the Government receives lower tax revenues as people pay less income tax and buy fewer VAT-able goods in shops.
maksud disini kerajaan akan dpt cukai yg rendah dan org rmi pun byr cukai yg rendh..jadi susah x negara nk maintan ekonomi klu cam ni??dah la buat bisnes pun dpt untung skit..pastu..pengguna plak spend duit skit...
sebab tu la byk syarikat skg nk buang pekerja..ni la salah satu sebab nye....
aku bg contoh kat korang...
negara jiran kite...Singapore...singapore sudah pun memasuki era Recession ( gawat )...depends byk kat US xslp aku...pastu major exports dieorang ialah high-tech equipment (terlalu depends kat industri ni) ...then indutsry ni skg dah down....sebab tu singapore leh gawat....
for malaysia lak..kite major kepada exporter chips..thats why still ok sebab permintaan chips skg di tahap yg stabil....fuh...cam ne ni?? korang rasa penting x bg negara kita gawat??sebab ape??
Q. Why does a recession matter?
A. It matters a lot. A recession means businesses make less money than they used to and consumers spend less money.
This ultimately causes serious problems. It leads to companies cutting back on investment in exciting new projects, life-saving drugs or technologies; firms can no longer afford to reward the bright and the best and ultimately sack workers.
This, in turn, means people are not paid as much – or lose their jobs – and have less money to spend. As a result the Government receives lower tax revenues as people pay less income tax and buy fewer VAT-able goods in shops.
maksud disini kerajaan akan dpt cukai yg rendah dan org rmi pun byr cukai yg rendh..jadi susah x negara nk maintan ekonomi klu cam ni??dah la buat bisnes pun dpt untung skit..pastu..pengguna plak spend duit skit...
sebab tu la byk syarikat skg nk buang pekerja..ni la salah satu sebab nye....
aku bg contoh kat korang...
negara jiran kite...Singapore...singapore sudah pun memasuki era Recession ( gawat )...depends byk kat US xslp aku...pastu major exports dieorang ialah high-tech equipment (terlalu depends kat industri ni) ...then indutsry ni skg dah down....sebab tu singapore leh gawat....
| info "1/4 quarter dari GDP sngapore dari manufacturing " |
secara ekonominya...
financial krisis -----> bank failure----> retrenchment-----> org xde keje , xde income-----> meanwhile xde job creation-----> less money dalam ekonomi------> bisnes x untung---> Bankrupt ---> gdp malaysia negatif
secara sosial..
xde job-----> masalah sosial ( kes curi n so on)------> ???? apa berlaku next? worst come to worst.. xtau lah..
so...skg ni...bg yg dah ada keje..bersyukur la..sebab kite still xtahu ape yg akan berlaku di masa hadapan...
adios amigos...
kalaulah dinar emas ngn emas tulen ni still buat lagi..mayb malaysia kurang skit kot beban ni...sebab harga emas xkan susut..then jadikan dinar emas tu sebagai mata wang... sekadar pendapat.....
kredit to:
zaitul jiwangers
booking jiwangers
By..
PaaNz
nice post...keep it up!!!!