Hukum pelaburan ASB..HALAL or HARAM??/

ASB?
1) Pandangan Yang Mengharuskan
Antara yang mengharuskan adalah Majlis Fatwa Perak, Majlis Fatwa Sarawak dan beberapa tokoh akademik.

1. Apabila didapati pelaburannya kepada yang halal lebih banyak daripada yang haram hukumnya adalah HARUS sepertimana nas yang terdapat didalam kitab.

a- Ihya Ulumiddin
b- Al-Fawaid al-Janiah Fi Al-Ashbah Wa An-Nazair ‘Ala Mazhab As-Syafie

2. Kedudukan ekonomi anak bumi khasnya umat Islam di negara ini dalam keadaan tenat dan sampai ke tahap darurat. Darurat yang dimaksudkan itu ialah dilihat dari aspek. ekonomi umat secara berkelompok bukan dari sudut individu.


2) Fatwa Yang Mengharamkan
Antara fatwa yang mengharamkan adalah Majlis Fatwa Selangor.

1. Ahli Jawatankuasa Perunding Hukum Syara' (Fatwa) telah membincangkan perkara di atas dengan penuh teliti dan panjang lebar dan mengambil keputusan seperti berikut :

1.1. Zakat Daripada Wang Bonus Dan Dividen ASB
Keputusannya :
" Wang bonus dan dividen yang diterima daripada hasil pelaburan ASB adalah tidak diwajibkan zakat kerana pelaburan bercanggah dengan hukum syara' "

1.2. Bolehkah wang digunakan pergi menunaikan Haji ke Tanah Suci Mekah?
Ahli Jawatankuasa Perundingan Hukum Syara'(Fatwa) yang hadir bersetuju memberi pandangan bahawa.
oleh kerana pelaburan ASB pada masa ini terdapat pelaburan di tempat-tempat yang bercanggah dengan hukum syara'. maka ia tidak diharuskan sehingga pihak ASB membersihkan dari tempat-tempat tersebut.

Ustaz Zaharuddin menyokong pengharamkan di atas asas berikut :-

1) Aqad Pelaburannya Tidak Jelas
2) Jaminan modal atau ‘capital' juga menyebabkan aqad pelaburannya bermasalah dari sudut Shariah.
3) Dana terkumpul dilabur secara bercampur di dalam industri halal dan haram.

Pelaburannya bercampur dengan yang haram lebih daripada 30 peratus. Jika kita melihat jumlah peratusan pelaburan ASB di bank konvensional iaitu 37 peratus, ia telah melebihi ‘benchmark' 1/3 yang ditetapkan badan berwibawa ini.

ASB juga TIDAK PERNAH DIBINCANGKAN OLEH Majlis Penasihat Shariah Suruhanjaya Sekuriti DAN OLEH KERANA ITU, ia tidak termasuk di dalam senarai kaunter yang jelas statusnya.

Ia bermasalah dari sudut Shariah kerana menurut statistic tahun 2005, dana ASB telah dilaburkan di beberapa tempat yang haram seperti :-

1- Sebanyak 37.30 % ke sebuah bank konvensional terbesar.
2- Commerce Asset Holdings Berhad (Konvensional) - 1.11 %
3- British American Tobacco berhad 1.07 %


Hakikatnya,
masih banyak lagi syarikat yang halal untuk dilabur oleh dana ASB walaupun mungkin tidak mampu memberikan keuntungan setinggi bank konvensional ini, yang terpenting biar halal walaupun sedikit, daripada banyak tapi haram.


Justeru,
tiada sebab yang jelas untuk melaburkan pada syarikat pelaburan yang haram,
kerana,
masih banyak syarikat yang menggunakan kontrak Islam Mudarabah, dan boleh memilih kanter halal sahaja, seperti yang di lakukan oleh:

a)Public Ittikal,PUBLIC MUTUAL FUNDS-(hilmi hayat)
b)Unit Trust Islam
c)pelaburan GIPPS dan banyak lagi.

Ia juga memberi pulangan yang boleh tahan, dan yang lebih penting ianya HALAL.
TAK PERCAYA??
TANYE LA PADA ENCIK MUHAMMAD HILMI HAYAT..unit trust consultant-019-3740489 untuk penerangan yang lebih jelas mengenai pelaburan berkonsepkan syariah.

Hasil di telaah, di ekstrak dan di compactkan oleh =MUHAMMAD HILMI HAYAT,unit trust cnsultant...019-3740489
Hasil kupasan dari Ustaz Haji Zaharuddin;
-Pensyarah, Universiti Islam Antarabangsa Malaysia
-Panel Soal Jawab Agama, Majalah I, Terbitan Karangkraf Sdn Bhd
-Konsultan Shariah & Perbankan Islam, Furqan Islamic Finance Group, Dubai


HAYAT= Ini bukanlah fatwa tetapi hanya pendapat peribadi atas kajian peribadi, bagi sesiapa yang menyakini fatwa yang mengharuskan, ia terpulang kepada anda, dan bagi sesiapa yang menyakini fatwa Selangor dan tulisan ini, anda juga bebas.Wa Allahu Aa'lam

PINJAM DUIT DARI BANK UNTUK SERTAI ASB??halal or haram

PINJAM DUIT DARI BANK UNTUK SERTAI ASB

Walaupun isu di atas masih diperdebatkan oleh mereka yang berkenaan, namun jika anda meminjam dari Bank Konvensional untuk tujuan menyertai pelaburan ASB, ia telah disepakati haram oleh Majlis Fatwa Kebangsaan dan semua mufti-mufti Malaysia. Ini kerana pinjaman wang dari bank konvensional tersebut adalah riba. Tatkala itu, isu ASB tidak perlu diambil kira lagi kerana asal cara dapat duit untuk melabur itu pun sudah haram.

Ust Hj Zaharuddin Hj Abd Rahman
-Pensyarah, Universiti Islam Antarabangsa Malaysia
-Panel Soal Jawab Agama, Majalah I, Terbitan Karangkraf Sdn Bhd
-Konsultan Shariah & Perbankan Islam, Furqan Islamic Finance Group, Dubai

HAYAT=terpulang pada individu untuk difikir2kan..jika da terbuat,lepas da abis kontrak ngn bank y dipinjam tu..jgn wat lagi..n pada y terfikir2 nak wat,cube la elakkan..wa allahu a'lam..

WHAT IS SHISHA ?

Shisha is an Arabic water-pipe in which fruit-scented tobacco is burnt using coal, passed through an ornate water vessel and inhaled through a hose.

The Department of Health and the Centre for Tobacco Control Research (UK) said that shisha smoking can be 400 to 450 times more dangerous than having a cigarette, suffering from high carbon monoxide levels at least four to five times higher than the amount produced by a cigarette. High levels of carbon monoxide can lead to brain damage and unconsciousness.


But to many people, shisha is not even smoking and in fact some thought that it is a safer than a cigarette, and some even said they do not inhale the shisa smoke. It is not just the level of carbon monoxide that is causing concern, as sharing a shisha pipe could pass around infections, with heightened risk of getting TB, herpes and infections like that.



HAYAT = Article brought to MPS attention by Assoc Prof Dr Mohamed Haniki

what is public mutual???

Public Mutual is Malaysia's largest private unit trust company with 70 funds under management. It has over two million account holders serviced by 40,000 unit trust consultants.

As at July 31, 2009, the total asset value of funds managed by the company was RM32.7 billion. -- Bernama

THE IS THE RIGHT TIME..kosmo,Julai 2009

Beli saham ketika harga murah

JOHOR BAHRU - Orang ramai sepatutnya mengambil peluang dengan membeli saham-saham berharga murah di pasaran saham tempatan pada masa sekarang sebagai usaha mengaut keuntungan apabila pasaran kembali naik seiring dengan pemulihan ekonomi negara yang dijangkakan berlaku pada akhir tahun ini.

Timbalan Presiden Persatuan Perunding Unit Amanah Bumiputera Malaysia, Norizam Tukiman berkata, selain membeli saham, produk saham amanah(UNIT TRUST) juga boleh dijadikan pilihan kerana ia memiliki risiko yang rendah.

"Pelabur perlu bertindak segera kerana pasaran saham akan pulih tidak lama lagi dan ini dibuktikan oleh kajian yang dilaksanakan oleh pakar-pakar ekonomi terhadap keadaan ekonomi negara.

"Ekonomi negara Asia seperti China juga akan pulih lebih awal berbanding Eropah," katanya ketika ditemui di pejabatnya di sini baru-baru ini.

HAYAT : keadaan ekonomi dijangkakan pulih lebih awal bagi negara-negara Asia termasuk China,India,Brazil dan Indonesia berbanding Amerika Syarikat.Oleh itu,pelaburan-pelaburan yang dijalankan di negara-negara ini akan memberikan hasil/pulangan yang lebih besar di samping promosi-promosi menarik yang ditawarkan..Belajarlah menyimpan ketika umur masih muda supaya simpanan yang ada boleh membantu kita di kala susah atau di hari tua kelak..

What they said about China...

“Chinese stocks are the most attractive worldwide as the global economy recovers.”
- Barton Biggs, former chief global strategist for Morgan Stanley
(Source: The Edge Financial Daily, 1 June 2009)

“China’s economy is on the mend fuelled largely by the country’s huge economic stimulus package. The turnaround is likely to begin this year and take full hold in 2010.” – World Bank on 6 April 2009 (Source: The Edge Malaysia, 20 April 2009)

“China’s economy will be the fastest in the world to recover. If you have the cash,
you can consider buying equities and properties.”
– Li Ka Shing, Asia’s second richest man (Source: Bloomberg, 26 March 2009)

'Caye xcaye,for every transaction of RM500 and above into Public China Ittikal Fund during the promotional period, Public Mutual will donate RM1 to Baitulmal, an authorised body to accept and manage funds for the benefits of the society' (Sources : HilmiHayat87,24 Julai 2000)

Why invest in Public China Ittikal Fund (PCIF)?

*
The Chinese economy is projected to grow by 6.5 percent in 2009 and 7.5 percent in 2010 sustained by the government’s US$586 billion stimulus package and accommodative monetary policy. Over the longer term, growth is expected to be supported by resilient domestic consumption which is propelled by rising income levels, urbanisation, and favourable demographics.
*
Hong Kong’s financial services hub benefits from the opening of China’s capital markets while Taiwan is expected to capitalise on China’s growth as a potential market and outsourcing hub for its electronics industry. In addition, the Taiwan government’s decision to allow Chinese institutions and corporations to invest directly in the Taiwan stock market effective 2 May 2009 is expected to improve business sentiment in Taiwan and enhance the island’s growth prospects over the longer-term.
*
PCIF has an attractive fund management fee of 1.6 percent per annum of the NAV.

HAYAT'Caye xcaye,for every transaction of RM500 and above into Public China Ittikal Fund during the promotional period, Public Mutual will donate RM1 to Baitulmal, an authorised body to accept and manage funds for the benefits of the society' (Sources : HilmiHayat87,24 Julai 2000)

Public Mutual Named “Best Malaysia Onshore Fund House” by AsianInvestor

Public Bank’s wholly-owned subsidiary, Public Mutual has won AsianInvestor’s “Best Malaysia Onshore Fund House” award for the second consecutive year. Public Mutual’s Chairman, Y. Bhg. Tan Sri Dato’ Sri Dr. Teh Hong Piow received the award from Ms Rebekka Kristin, Associate Publisher of AsianInvestor, during Public Mutual’s Annual Awards Night on 17 May 2009 at the Sunway Pyramid Convention Centre, Kuala Lumpur.

Public Mutual is Malaysia’s largest private unit trust company with 70 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 5 June 2009, the total net asset value of the funds managed by the company was RM29 billion.

Public Mutual to launch fund-The Star,Tuesday June 30, 2009

KUALA LUMPUR: Public Natural Resources Equity Fund, to be launched by Public Mutual Bhd today, is expected to take advantage of the region’s natural resources sectors given the revived demand among fast-growing emerging economies like China, India, Brazil and Indonesia.

Demand in these countries was driven by rapid industrialisation, urbanisation and rising consumerism, said chairman Tan Sri Teh Hong Piow in a statement.


HAYAT Keadaan ekonomi bagi negara-negara seperti China,India,Brazil n Indonesia dijangkakan pulih lebih cepat n baik berbanding Amerika Syarikat..oleh sbb itu,dana-dana bagi negara ini dipromosikan sepanjang Jun 2009 sehingga Julai 2009.

PUBLIC BANK ACHIEVEMENT...

Public Mutual swept 7 awards, including Best Overall Fund Group Award
ublic Bank’s wholly-owned subsidiary, Public Mutual emerged for the sixth consecutive year as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009 by winning 7 of the 24 awards, including the prestigious “Best Overall Group” award.

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride that once again Public Mutual emerged as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009. “These awards reflect Public Mutual's commitment to do its utmost to give value to our investors,” he said. He dedicated these awards to Public Mutual’s board of directors, management, staff, agency force and the investors for their unwavering support and trust over the years.



Public Bank have topped the polls in most categories under FinanceAsia's "Asia's Best Managed Companies" country listings, which were released on its website yesterday.

Public Bank won top honours for the following categories - best managed company, best corporate governance, and best investor relations.
Their respective top chiefs - Tan Sri Dr Teh Hong Piow and Datuk Seri Nazir Razak - were also voted the top two best chief executive officers in the country.

Public Bank donates RM1.25m to University Tunku Abdul Rahman

Public Islamic Bond Fund Wins Failaka and Morningstar Awards
Public Bank’s wholly-owned subsidiary, Public Mutual won two prestigious awards recently. Its Public Islamic Bond Fund received the Best Malaysian Islamic Bond Fund Award for 5 years category at the Failaka Islamic Fund Awards 2008 as well as the award in the Malaysian Ringgit Islamic Bond Category at the Morningstar 2008 Fund Awards (Malaysia)