Matlamat ekonomi Islam tidak mungkin tercapai jika sistem sekarang terus dipertahankan

Matlamat ekonomi Islam iaitu :al-Falah tidak tercapai kerana jurang kemiskinan semakin melebar antara kaya dan miskin dan ini sepatutnya tidak berlaku sekiranya tidak menggunakan wang kertas. Wang kertas menjadi punca berlakunya kemerosotan nilai wang, kemerosotan kuasa membeli, kemerosotan di dalam financial capital (surplus dalam penggunaan harian yang boleh disimpan) dan ini menjadi seseorang itu menjadi semakin miskin dan sekaligus menggalakkan pinjaman, riba dan hutang sepanjang hayat. Manakala si kaya yang mempunyai financial capital setinggi bukit akan membuat kekayaan setinggi langit pula kerana memberi pinjaman dan mendapat gandaan darinya berlipat kali ganda lalu menjadilah seorang billionaire yang dahulunya agak jarang kita dengar status sedemikian. Selain itu?Golongan pertengahan kelas menengah akan lupus secara beransur-ansur akibat daripada jurang kekayaan yang semakin melebar itu tadi. Kesannya daripada itu adalah pelbagai dan banyak tetapi antara yang serius ialah berlakunya rasuah yang berleluasa dari si kaya kepada si miskin.

Mengapa wang kertas menjadi punca kenaikan harga?

Ada dua sebab.

1. Sebabnya wang kertas dicetak sesuka hati tanpa arah yang kukuh. Wang kertas dicetak sesuka hati adalah seperti USD dicetak berlebihan (lalu direkodkan sebagai pinjaman dari federal reserve sedangkan federal reserve tidak mempunyai wang sebanyak itu dan sgt jelas di sini ianya dicetak begitu saja tanpa kawalan) untuk menampung perbelanjaan kewangan ketenteraan US di dalam peperangan dan sebagainya, lalu currency kita terkena tempiasnya kerana kebergantungan kepada dolar Amerika. Tahukah kita, Amerika telah mengalami trade deficit bertahun-tahun lamanya. (Boleh rujuk wikipedia atau pun buku “The coming collapse of the dollar and how to profit from it by James Turk and John Rubino”) dan hutang US telah pun mencapai lebih USD8 trillion! (sila rujuk http://www.brillig.com/debt_clock/)

2. Satu-satunya panduan yang dipegang untuk mencetak duit ialah multiplier effect di dalam credit creation. Apa itu multiplier effect? Ianya ialah gandaan dalam pinjaman yang dibuat di dalam aktiviti ekonomi di dalam sistem perbankan. Ini memerlukan pengetahuan ekonomi yang pure. Sesiapa yang yang bergelumang dengan industri perbankan wajib memahaminya. Jika tidak, mereka tak nampak kelemahan sistem sekarang.

Seminar Dinar Emas

Insya Allah pada 16 Okt 2008, penulis bercadang mengadakan Seminar Dinar Emas di UiTM Johor. Kertas cadangan seminar sedang dalam pemibikinan.

How long should we adapt ourselves in current banking system?

Adaption. Not a nice word but Islamic Banking are forced to be adapted. Some would say there is no other way we could create alternative system to replace the current's one..they say it's better for us to adapt ourselves quickly in the system rather then keep thinking how to use dinar as a currency as well as a system in the bank. It's wasting. It's hard to implement and almost impossible. What public really need is the mechanism in facilitating their business which dinar can't provide it. They say that some scholars urged to implement gold dinar but they are not providing the system. How gold dinar could operate without the system? We should try to be more realistic by making adjustment to the current banking system. The more new Islamic product can be able to develop, the more funds will flow into the Islamic Bank. Thus, automatically enhancing the level of competency in the market.

Unfortunately, I would say I'm not agree with that. I do understand if the statement comes out from the public or non Islamic Bankers. They are not having much knowledge on that or if they have, they actually failed to understand the real purpose of Islamic economics. Why Islamic Economics not Islamic banking? Because Islamic banking is in the Islamic Economic, thus, any objectives of Islamic Banking should be in line first with Islamic Economics. But I'm not talking more on that in this article, i just would like to express my feelings of pity and disappointment when that kind of statement comes out from Islamic bankers or even scholars. They shouldn't be in that situation. They shouldn't just simply ignore gold dinar system in the first place. I know, there is no concrete alternative system that could replace the current banking system. Yes, correct, it's not yet to be established but it doesn't meant we can't easily ignore the implementation of gold dinar system.

My stand in this issue is that we must be together collecting ideas towards having the system (gold dinar). We must make efforts to pursue the way to implement it. If we are united to support, if the policy makers, the bank stakeholders, and most importantly the government in Muslim countries around the world realize of this, or even ask them to deeply think the advantages of the gold dinar, i think it is no longer to be impossible. We can't wait gold dinar system to be developed, but we must start to progress from now on. Do researches, journals, discussions, collaborations, seminars, conferences or whatsoever that could spread information as wider as possible. We should now target our due date of "Islamic"operation in current (old) system. In our mind, the only condition to make us still remain in the current banking system is the absence of gold dinar system. Once it can be founded, our journey in the old system should be ended. The key is our hands, if we can unlocked the mind set or even breach our paradigm, efforts to implement would rather be smoothly developed. Let us make it reality.

Boring la ustaz...

"Ustaz..takde ke artikel yg lebih light sikit"..kata pelajar kepada saya..Manjang tak paham jer saya baca artikel yang ustaz tulis..'Alamak..tak paham ke..saya syok sendiri ler ni...mmm tak sampai maksud la gamaknyer..' desus hati. "Habis tu apsal tak tanya ruangan comment tu...tanya ler apa yang patut.." jawab saya. Idea yang biasa dibuat oleh pensyarah utk me"laku"kan blog nyer..hihi.. taktik lama.."Kamu kan pelajar universiti..mesti boleh paham insya Allah..doa banyak2..tanya dalam kelas.." saya cuba bagi motivasi.

"Selang selikanlah web ustaz ni dengan gambar-gambar ke..baru nampak ceria sikit ustaz.." kata pelajar dalam kelas" Ok lah..saya cuba..tapi tak boleh selalu la..sebab matlamat blog saya nak promote gold dinar dan ekonomi Islam. Apa pun kena baca bagi paham juga yer.." pujuk saya.
Lalu saya poskan ler beberapa gambar pada post sebelum ini.

Koleksi gambar keluarga dan pelajar