Liberalisasi bank: Meneruskan legasi wang kertas

1. Tiada apa yang boleh dibanggakan oleh rakyat kebanyakkan dengan pengumuman kerajaan berkaitan liberalisasi perbankan. Rakyat akan tetap meminjam juga daripada bank dan ini seterusnya penciptaan kredit akan terus berlaku berdasarkan sistem yang kita semua sudah tahu iaitu "faedah dan gandaan". Bagi kami para "denarist" ianya tidak lebih memperkukuhkan lagi legasi wang kertas dan sudah tentu ianya tidak akan menyumbang kepada kestabilan ekonomi sebenar.

2. Pengumuman untuk menjemput pelabur asing untuk memiliki ekuiti perbankan Islam hanyalah membenarkan lagi kenyataan bahawa Bank Islam memerlukan modal yang besar untuk bersaing. Jika ada sesiapa yang memiliki duit RM3.6 bilion sekarang, anda dipersilakan buka bank sendiri. Namun, ianya hanyalah akan membuatkan duit menjadi RM3.6 trilion atau lebih dalam jangka masa yang agak singkat. Bagaimana penciptaan barangan? Belum tentu RM3.6 trilion!

3. Kami tidak menentang bank. Tetapi kami menentang sistem bank itu yang mencipta kredit dan duit daripada tin kosong. Walaupun namanya diubah kepada BaitulMal sekalipun tetapi sistem tetap sama, kami akan menentang juga. Sistem ini sangat merbahaya terutamanya kepada negara miskin kerana mereka tidak berupaya membuat barangan selari dengan pertumbuhan kewangan.

4.Saya tertarik dengan kata-kata Steve Saville. Beliau ada mengatakan "The less stuff that gets produced by the economy the greater will be the eventual decline in the currency's purchasing power stemming from monetary inflation". Jelas kenyataannya membenarkan sistem kewangan yang ada sekarang. Jika anda tidak menghasilkan barangan selari dengan pertumbuhan duit yang "auto generated by its system" selagi itulah kita akan kekal miskin kecuali barangan juga "auto generating growth".

5. Tetapi anda kena ingat, barangan akan bertumbuh secara semulajadi selari dengan kehendak pengguna dan pertumbuhan populasi. Trend ini tidak boleh dibuat-buat. Justeru mana mungkin trend yang digelar sebagai "auto generating growth" ini yang mana diguna pakai pada wang kertas boleh diaplikasikan pada ekonomi. Memang tidak boleh!

Cekup pelanggan 4D TOTO:Perlu heret penjual juga

Dua hari lepas saya terbaca kisah ini di Kosmo. Bertungkus lumus para pegawai JAIP turun padang mencekup para pencandu judi yang seumpama penjenayah melepaskan diri daripada polis. Pencandu judi ini telah bertindak kasar dengan menyepak pegawai penguatkuasaan berkenaan. Kasihan pegawai penguatkuasa. Namun terpaksa juga dilakukan kerana dengar ceritanya adalah arahan Sultan Pahang sendiri. Tahniah Sultan Pahang. Nampak gayanya Sultan juga kena beri arahan, baru efektif.

Namun, jika premis perniagaan ini diheret sama seperti tindakan saman dan mahkamah mungkin ianya lebih efisyen. Penjual judi pun harus dihukum sama kerana disebabkan dialah pencandu ini bermaharajalela. Tindakan menampal notis dengan melarang orang Islam membeli juga jika ianya sekadar poster semata-mata sedangkan mereka bebas menjual kepada orang Islam.

Jika premis perjudian diheret sama, terdapat beberapa perkara dapat dielakkan, iaitu:
1. Tindakan menangkap pencandu judi ini dapat dielakkan, mereka tak malu, pegawai penguatkuasa pun tak perlu susah-susah hendak membuat serangan hendap. Apa yang perlu dilakukan ialah melakukan operasi dengan menangkap gambar dari jauh dan memerhati tingkahlaku premis berkenaan.
2. Memelihara imej agama Islam itu sendiri seperti tidak menonjolkan Islam itu terlalu "strict" sehingga terpaksa menangkap orang di khalayak ramai sekaligus dapat mengelakkan daripada memberi gambaran tak baik tentang Islam kepada bukan Islam.
3.Masalah akan cepat selesai kerana premis perjudian diwujudkan sebab hendak mengautkan keuntungan. Jika denda@saman dengan jumlah yang besar dikenakan ke atas mereka, nescaya mereka sendiri akan bertindak bagi pihak penguatkuasaan untuk menghalang pencandu judi yang beragama Islam ini daripada berjudi di premis mereka.
Mudah bukan?

Alasan "terpeluk" yang memualkan

Baru-baru ini artis paling popular Malaya memberikan alasannya kenapa dia memeluk Irma. Ini kerana dia terlalu gembira, di luar kawalan dan tindakannya adalah spontan tatkala diumumkan dia adalah pemenangnya. Anugerah yang agak berprestij itu merupakan anugerah yang tertinggi oleh artis yang diiktiraf peminatnya dan dia terkejut kerana memenanginya.

Apapun alasannya, bagi saya, ianya adalah hasil daripada pergaulan bebas antara lelaki dan perempuan yang bukan muhram yang semakin di terima di kalangan masyarakat Malaysia amnya. Di sini saya tidak berniat hendak menuduh Nabil (saya sendiri adalah peminat Nabil)bergaul bebas tetapi jika diperhatikan kepada realiti sekarang masyarakat Malaysia, budaya "pakwe makwe", "awek balak" dan "boyfriend girlfriend" adalah sesuatu yang biasa, malah tidak keterlaluan apabila dikatakan suatu kemestian di kalangan muda mudi. Jika sesiapa yang tidak mempunyai budaya itu, ianya dianggap pelik. Lihat sahaja pelajar-pelajar kita sekarang. Semuanya dilakukan berdua-duaan, makan berdua-duaan, belajar berdua-duaan, berjalan-jalan (outing) berdua-duaan dan ianya dianggap bukan kesalahan! Ianya adalah dianggap pergaulan yang dizinkan. Pensyarah, guru-guru mahupun orang yang berkuasa pun tidak mampu untuk menegur. Inilah realiti yang terpaksa dihadapi dan ditempuhi.

Menyalahkan Nabil semata-mata adalah tidak adil. Ini kerana ramai artis atau orang lain yang terperanjat mahupun tidak, secara sengaja mahupun tidak, bukan setakat memeluk, malah lebih daripada itu lagi. Cumanya Nabil adalah artis dan perbuatannya adalah di tengah-tengah "crowd" dan "zoom in" kamera. Jika fenomena pergaulan bebas ini tidak dibendung, tidak mustahil ramai lagi akan memberi alasan yang sama kenapa mereka memeluk wanita yang tidak sepatutnya dipeluk dan sensitiviti masyarakat tentang isu itu hanya berlalu begitu sahaja!

Good Luck for your final exam (esp. for final year student)

I would like to wish all the best to all of you in doing your final examination. May Allah bless your struggling efforts and please do not neglect this:
1. Prayers (fardu and sunnat) on time
2. Qiyamullail
3. Double efforts in study
4. Seek parent's blessing

JAK Bank: The best Islamic Bank in the world (part 2)

Margrit Kennedy thorugh her research also, had made German as a model. She split German into 10 equal parts using a scale of increasing wealth. The grey area is the interest paid in all prices and loans, the black area is the interest earned from monetary and real assets.

According to Margrit Kennedy's calculation, the 80% of worst off German population losses money because of this game. From position of 1 to 8, the interest paid is what more than they earn.

10% of population , on position 9, gets the same money they spend. The remaining 10% gets all the interest which the former of 80% lose.

So we have a constant redistribution mechanism in our money system from 80% of the people who work for their money. They pay to 10% of the people who can make their money work for them and you have to own about over half a million euros in order to begin to profit from the system. Finally, in Margrit Kennedy's opinion of what's the worst consequence of an interest-based economy? The money system we have right now grows exponentially. In nature that is sign of sickness. The exponentialgrows occurs where things are out of order or are dieing. And for instance, a cancer is an exponential grows out of one cell, you will get 2,4,8,16,32,64 and so on, so it grows very fast. The reason of why money grows exponentially is that we have a mechanism to keep money in circulation that is called interest. And with interest, money doubles in regular intervals.

Let's consider the example:

If Abdullah, the father of Ali, had invested in 1 penny, or 1 cent in euros, at the birth of Ali in the year 0, and you would have paid interest on this 1 penny at 5%, then in the year 2000 if Ali had come back and could have gone to the bank and to say: "Can i please have this 1 penny backwith 5% interest?. The bank would have had to give Aliover 500 billion balls of gold of the weight of the earth, at the price of gold in the year 2000.

This is just an example to show that exponential growth cannot work over along period. IT can work at the short term, it can maybe work in the medium term, but it can never work in the long term! But of course for me, neither short nor long period shouldn't be allowed!

JAK Bank: The best Islamic Bank in the world

JAK Bank, Sweden

I was puzzled when someone did asked me about bank that really implement Islamic principle without copy and paste from the conventional system. After a long period, finally i found the answer. The answer is in Sweden. Yes. It is in Sweden! to be more particular is in Skovde, a small town in Sweden. It's about 350 km from Stockholm, the capital of Sweden. I was impressed once i read about their effort of establishing this bank.

JAK Bank

JAK bank is a members bank with 34,000 spread all over the country that loan their money among them, by passing the traditional banking system and using their bank like a shared money box. Its aim to create an alternative model of no speculative finance, serving people and little entrepreneurs.

"As an economic associations, we don't have any big owners that demands more profit and so on because all the 34,000 members own the bank together", said Magnus Frank, the JAK Bank manager. That means every member gets only one share of the bank and has the same power when it comes to the election of the board.

The purpose of JAK bank is not making money but to offer a loaning and serving service to its member in the most sustainable way stressing an interest free idea of economy. They agreed that interest transfers money in the wrong way because people that already have a lot of money can get more money just because they own money and people don't have any money get less and less money. This is because they have to pay the interest to take a loan for buying a house or whatever they want the loan for.

Meanwhile, Margrit Kennedy, the economist and founder of the idea of JAK bank also had same ideas about the badness of the interest based system. She said,"the most people think they pay interest only when they borrow money in the bank and in fact it's quite obvious that every producer of goods has to add the interest that he pays to he bank to the final price. If you look at everything people need to live roughly 45% of the price goes on interest-fees"

According to her researches, the hidden interest on what we spend for our living is roughly 45%. She said, "If you look at who profits from this interest payments and who pays you can see, if you divide the Germans population in 10 equal parts, you can see that 80% of the people pay more interest in the prices that those other people who work for their money and 10% of German people who pay as much interest as they get from interest profit from their life insurance, savings etc. And remaining of 10% earn all the money that comes from the interest which the former 80% of the people loose. (continued)

The truth about bail out

Bail out is lend out the money, when money lent out, money is in creating and multiplying process. It's never been recovered. It's like a firemen to spit paper out on the fire. Do you think the fire can be extinguished?

US Penny: Is a shame to follow Malaysia?

This evening i watched documentary called "60 minutes"on Awani that talking about US Penny.

What is Penny?

Penny is The United States one-cent coin that equaling one one-hundredth of a United States dollar. Its obverse has featured the profile of President Abraham Lincoln since 1909, the centennial of his birth. (see picture)

Americans started to argue on why they still keeping them. By looking the cost, it's double than the value on it. Today, there are about USD80 millions worth of penny circulating in US but the cost is USD137 million dollars. How does the printing factory be able to cope with that since they are loosing it everyday? The country that upholds capitalism as their belief in economy can only interprete this kind of act as a nut! Don't they realize it? Or is there any hidden agenda behind this? Someone should digging the truth.

One of the reason they given was to help poor, a method of donation and welfare. You know what..it's really made me disgusting!. Came on.. is the cent that we donate? What happened the rest of billion paper money?

Siti Nurhaliza masuk PAS?

Oh mungkin tidak.. Kenapa perlu masuk PAS kalau nak ziarah Tuan Guru Nik Aziz? Tapi kalau masuk apa salahnya.

Memetik berita MStar.

Menteri Besar Datuk Nik Abdul Aziz Nik Mat (tengah) menerima cenderahati daripada penyanyi Datuk Siti Nurhaliza Tarudin (kiri) semasa berkunjung ke Pejabat Menteri Besar di Kota Darulnaim. Turut sama suaminya Datuk Seri Khalid Mohd Jiwa (kanan). -foto BERNAMA
SELEPAS menjayakan persembahan sempena Hari Keputeraan Sultan Kelantan, Tuanku Ismail Petra ke-59 di Kota Bahru, Kelantan pada 1 April lalu, penyanyi tersohor Datuk Siti Nurhaliza Tarudin dan suami, Datuk Seri Khalid Mohd Jiwa sempat melawat Menteri Besar Datuk Nik Abdul Aziz Nik Mat di Pejabat Menteri Besar di Kota Darulnaim.

Bercakap kepada pemberita kemudian, Siti berkata kunjungannya itu bertujuan meluahkan rasa hormatnya terhadap Nik Aziz.

Quote of the day

"EVERYTHING is mispriced for what is unfolding. Stocks, Bonds, currencies, natural resources, precious metals, real estate are ALL set for massive VOLATILITY and “volatility is opportunity” for the prepared investor. Markets are going to ZOOM up and down and provide you with EXCELLENT investment opportunities if you are properly prepared. Buy and hold is DEAD except for the precious metals. " -Ty Andros-

Maksud yang saya faham: "apa sahaja benda terdedah kepada eksploitasi kerana ianya bukan berada di dalam pegangan kita (bukan dalam bentuk fizikal yang membawa nilai dan manfaat). Sama ada ianya dalam bentuk stok, bond, currency, sumber semulajadi, logam yang berharga (emas dan perak), perladangan semuanya akan berdepan dengan ketidakstabilan dan bagi mereka yang bersedia, ketidakstabilan adalah merupakan satu peluang di dalam pelaburan. Pasaran akan menjurus ke arah kenaikan dan penurunan dan sentiasa menyediakan peluang pelaburan yang bijak sekiranya persediaan diatur secara teliti. Membeli dan menyimpan (yang bukan dalam bentuk fizikal) akan membawa kepada bencana kecuali bagi mereka yang memegang logam berharga (dalam bentuk fizikal)."

Emas juga boleh dieksploitasi sekiranya pasaran kekal dengan bermain harganya sahaja tetapi tidak bersandarkan fizikalnya.