Bagaimana mengenal pasti pelaburan yang berlandaskan syariah?

Info: Di ambil daripada majalah PERSONAL MONEY page 58/59 ( seperti lampiran)
Info di bawah di ambil melalui tulisan Dr. Zurina Shafi, Pengarah Institut Kewangan Islam USIM


Bagaimana mengenal pasti pelaburan yang berlandaskan syariah?

ISU: Halalkah ASNB?



Pelaburan adalah tidak berlandaskan syariah apabila

FAKTOR QUALITATIF

• Khidmat kewangan berasaskan riba’

• Perjudian

• Pembuatan @ penjualan produk tidak halal atau produk yang berkaitan dengannya

• Insurans

• Aktiviti hiburan

• Pembuatan @ penjualan rokok & produk berkaitan

• Pelaburan di dalam sekuriti tidak patuh halal

• Aktiviti yang tidak dibenarkan oleh syariah



Walaubagaimanapun ketika syarikat beroperasi terdapat isu-isu ketidakpatuhan syariah berlaku, ulama islam telah memutuskan faktor-faktor lain akan diambil kira



1) Persepsi umum dan imej syarikat mestilah baik

2) Aktiviti utama mestilah memberikan kepentingan & keuntungan kepada umum.

Isu kemaslahatan ummah.



FAKTOR QUANTITATIF
Aras sumbangan aktiviti yang bercampur ini di ukur melalui;


Tanda aras 5%

Penanda aras ini menentukan sumbangan aktiviti riba, judi, arak & babi.

Pasaran modal moden agak sukar mengasingkan isu ini, maka penanda aras ini diguna pakai.



Tanda aras 10%

FD & rokok

Tanda aras 20%

Sewa daripada aktiviti tidak patuh syariah

Tanda aras 25%

Stok, perhotelan, operasi resort

Maka, melalui segala faktor-faktor di atas, dana ASNB TIDAK MELEPASI SYARAT SYARIAH.

Fatwa HARUS yang dikeluarkan oleh majlis fatwa kebangsaan mengambil kira sekiranya fatwa HARAM dikeluarkan, ini akan mencetuskan kekecohan & ketidakstabilan kerana ASNB menguruskan berbillion dana umat islam. Majlis fatwa kebangsaan meminta pihak PNB merangka struktur dana patuh syariah sebagai pilihan kepada pelabur seperti yang ada pada syarikat lain, PUBLIC MUTUAL & RHB investment.

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THE CRISIS SAVING TECHNIQUE

Taken from “The Millionaire in me” by Azizi Ali



THE CRISIS SAVING TECHNIQUE



There is a quick and perhaps radical method to boost your saving and with it your net worth – I call the Crisis Saving Technique.

What do folks do whenever they are in financial blind? What do people do when they are caught in a crisis and trapped in financial crossfire? A normal reaction is to start cutting back on their expenditure. They’ll probably spend less and use the additional saving to help address the situation. And when the coast is clear and things get better, they revert to their normal saving rate.

Which is darn shame actually. Why wait until there is a crisis to increase the saving and spend less? If you do this even during good times, imagine how much money you can save and invest? For example, If you set aside 10 percent of your income which incidentally is RM 500 a month as your savings, you will wind up with RM 38718 after 5 years assuming a return of 10 percent per annum. Pretty good. This is shown in the table below;

10% Saving Schedule

Year Saving (%) Amount per month (RM)

1 10 500

2 10 500

3 10 500

4 10 500

5 10 500




Total saving + interest RM 38,718



But let’s see what happen if you adopt this Crisis Saving Technique for a period of one year. Which is too much to ask as a one-year period is easily planned for. Let’s say you now boost your savings rate to 40%for that one year. In that one year, you live frugally, watch every cent and cut back all unnecessary spending. After that you revert to your original ten percent. And wonder of wonders, yon’ll wind up with RM66,790 after five years, which is 72% higher then the original saving schedule of ten percent per year. A worthwhile effort, don’t you think?



Crisis Saving Technique

Year Saving (%) Amount per month (RM)

1 40 2000

2 10 500

3 10 500

4 10 500

5 10 500




Total saving + interest RM 66790



So this is Crisis Saving Technique is a certainly quick and fast way to increase your networth. Radical to some, but hey, if it works, why not? After all it does not matter whether the cat is black or white as long as it catches the mice. And RM66790 will not only catch a lot of big juicy mice but also a lot of other stuff as well.



TO GET A PLACE TO MAXIMISE YOUR SAVING – call me with no obligation

Anuar 0197646651