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17 Jun 2008, 2:10 am
harris
Nak tahu kenapa ISLAMIC RATES are not that attractive? Because lack of funds. aduhhh, nak cerita, panjang nie. Summary = Supply of Islamic funds, kurang berbanding Demand for Islamic products. Islamic have to pay a higher and lock in the rates.
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17 Jun 2008, 2:08 am
harris
Apa2 pun, kita cuba mencari yang diredhai Allah. Kalau bankers yg structured the products, tak ikut syariah or cara yg betul, at least korang dah terlepas. Jangan ler, sbb dua2 serupa, amik mane2 pun belasah. Sbb, last sekali, AKAD tu penting.
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17 Jun 2008, 1:58 am
adzimi
tapi cam aku cakaplah, ilmu tak cukup nak komen banyak2 pun, its just that i wish Islamic Financing could be much more attractive in terms of its rates. Sebagai orang Islam, semestinya kita nak pakai product2 Islam.
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17 Jun 2008, 1:57 am
harris
The areas that Islamic banking tackles = fairness of interest rates flactuations. 2. Compunding interest. 3. Agreement (akad) ... tapi betul ler, aku tak beberapa mahir. korang tak yah fikir susah2. Yng penting, AKAD KORANG.
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17 Jun 2008, 1:55 am
adzimi
Memanglah conventional loan ni ada element "instability" contohnya in home loan, BLR boleh ubah2. Tapi tak silap aku, dalam islamic financing pun, ada macam BLR jugak, cuma term dia lain. Takpun kalau fixed rate, memang rate dia jauh tinggi dr convetional
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17 Jun 2008, 1:51 am
harris
Aku tak mahir bab banking nie... tapi fundamentals islamic banking tak lari dari guidelines islamic banking. 1 dunia guna pakai konsep yang sama.
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17 Jun 2008, 1:50 am
adzimi
Actually aku nak komen sangat pasal bank islam ni pun, ilmu tak cukup. Cuma aku agree ngan zaini, kalau betul sistem bank islam ni bagus, kenapa terasa bebannya yg amat kalau nak banding ngan conventional loan?
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17 Jun 2008, 1:49 am
harris
Akad ada pada ceiling rate. Beli RUmah, 200k, bank beli umah tu, and jual kat ko pada harga 350k. Loan apa yang pinjam 15k bayar balik 30k nie?
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17 Jun 2008, 1:45 am
Smiling MY
Cikgu Salmiah...
Selamat datang.. opss.. Selamat menjenguk! (betul ke BM saya ni?)  |
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17 Jun 2008, 1:34 am
zainnon
pada pendapat aku, sistem bank islam kat sini masih pada namanya islam tapi, operasinya tetap konvensional, masih menzalimi orang. bayangkan pinjam 15k, bayar balik dekat 30k, ni sapa yang ajar ni...?? lu pikiaq sendiri la..
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17 Jun 2008, 12:24 am
adzimi
eh, Cikgu Salmiah in da house. Selamat datang Cikgu. Saya dulu anak murid Cikgu, Cikgu ajar saya BM dulu. Mestilaaahh ingat lagi, insyaAllah takkan dilupa jasa2 Cikgu2 yg sama2 tolong membesarkan kita. Cikgu apa khabar sekarang? Di Taiping lagi ke?
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17 Jun 2008, 12:06 am
niefeng
mak anak ayah duk spital ke, aku pakai CC al taslif ambank, masa ambik dia mmg ada akad.
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16 Jun 2008, 11:29 pm
harris
Semua ni ujian allah
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16 Jun 2008, 10:26 pm
mohd syahiid
just called ustad, dia kena denggi, baru nak masuk wad. Pray for him.
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16 Jun 2008, 8:03 pm
harris
Aku rasa, korang leh tgk mcm mane Bank Islam and HSBC and AMBANK buat islamic CC. Pasal Financing, the opportunity to pay lower if BLR lower, will not arise in Islamic financing, but your are guarded against increase in rates. bank untung, anda untung.
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16 Jun 2008, 7:59 pm
harris
Ustad, 3.5kg tu .. sihat bebenor baby tu...
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16 Jun 2008, 7:58 pm
harris
Fundamentals on islamic financing, NO COMPUNDED INTEREST or interest on interest. Ada paham  |
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16 Jun 2008, 7:57 pm
harris
CC islamic will only charge u on the monthly outstanding balance... next month, katakan outstanding bulan lepas RM 1000, then expenses bulan nie, 200. charges akan kena kat 200 shj, not RM 1000. Bank Islam dah ada kan akad nie..
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16 Jun 2008, 7:40 pm
mohd syahiid
diffrnt with conventional card, the sales is unlimited, not fixed and it will make u bankrupt. Nauzubillah. if what the officer said is really true, so, LU PIKIRLA SENDIRI..!  |
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16 Jun 2008, 7:37 pm
mohd syahiid
yang aku tahu, base don explanation given by the bank islam officer, the sales amount of your credit card is fixed. for e.g if ur credit limit is 8000, ur sales amount is RM 12 K++. So, ur debt with bank islam is up to 12K++ only. cont'd....
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