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18 Jun 2008, 5:04 pm
aini
ihsan, volunteers SPKG kena buat apa? (selain drpd berlari2 ke puncak bukit larut hahaha...)
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18 Jun 2008, 4:54 pm
harris
Holland mcm kuat aje. Epoi dan mat yat mesti suka  . |
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18 Jun 2008, 1:19 am
naznaz
ih, aku tgk highlights je la. tunggu tgk knock out stage je la.
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17 Jun 2008, 11:18 pm
[i]
harris, aku sokong Italy tapi now tak layan langsung EURO 08 nih.
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17 Jun 2008, 11:13 pm
harris
Plus, Italy ada si Materazzi, org yang kutuk sedara seislam kita .. so ..aku tak sokong ITALY  |
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17 Jun 2008, 11:10 pm
harris
aku akan SMS France .. hehehehe .. sbb ada muslim tu sorang main ..RIbery  |
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17 Jun 2008, 10:44 pm
naznaz
tonite either italy or france to go tru. what a disappointment.
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17 Jun 2008, 10:36 pm
aini
harris: hahahahah!
mana Shah BTW??? |
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17 Jun 2008, 10:30 pm
harris
perghhh, chatting ngan cikgu ... aku ingat, Shah aje yg chat ... wekekeke
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17 Jun 2008, 10:01 pm
Smiling MY
smlm dapat YM dari cikgu Salmiah. mungkin sapa2 nak chat, boleh add ID dia: salmiahisni
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17 Jun 2008, 8:06 pm
aini
Cikgu Salmiah! welkam welkam. ajak la cikgu2 yg lain sembang kat sini.. saya dulu kelas 506, anak murid cikgu gak..
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17 Jun 2008, 10:33 am
zainnon
Disclaimer: temporary changes was made for special event, changes will be reverted in due time.  |
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17 Jun 2008, 5:47 am
harris
http://www. parvez-video.com/islam/ reformation/ principle_islamic_ banking/index.asp
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17 Jun 2008, 3:25 am
faizie
Shahid; kau boleh lawat tulisan Ust Zaharuddin @ www.zaharuddin.net He's an expert in the field of Islamic Banking..selalu kuar TV1..selalu buat bengkel...many2 years of experiences as Shariah Advisor to several banks..Hope ilmu yg dikongsi ni berguna..
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17 Jun 2008, 3:08 am
zainnon
yup personal loan lah, nak mintak punyalah susah.. tak layak la, risky la, kena merayu2 lak..
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17 Jun 2008, 2:19 am
harris
personal loan ka? Pinjam 15k bayar 30k? loan apa tu? Aku kena faham term depa... tak pernah guna Bank Islam punya LOAN. BR and MBB. tapi korang tahu tak, everytime aku opted for Islamic facility, teller kat bawah tu mesti hairan atau ragu2 |
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17 Jun 2008, 2:16 am
harris
lastly, aku nak letak disclaimer... AKU BUKAN TAHU MENDALAM sgt. korang kena tanya pakar dalam perniagaan / perbankan dalam Islam. Aku hanya sampaikan apa aku tahu. So adalah flaw. Harap2 tak besar sampai menyesatkan. Jadi, better korang tanya pakar |
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17 Jun 2008, 2:15 am
zainnon
loan bank islam la harris oii..
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17 Jun 2008, 2:14 am
harris
discourage kita. Apa2 pun. Sbb nature of ISLAMIC FINANCE tu FIX, maka rates dia higher and tak boleh take advantage if the rates are lower. Pasal Islamic BLR tu, basically, depa jual harga mahal, then bagi korang rebate (lebih kurang).
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17 Jun 2008, 2:12 am
harris
islamic banking, bila kurang funds utk FINANCING, terpaksa ler pinjam dari bank2 lain, bank negara, pasaran matawang etc. So sbb nature of islamic finance, rates kena fixed and long term. So these rates are VERY EXPENSIVE. Ini cara org kafir ler nak cont.
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