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
Tuesday, September 29, 2009
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..
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..
Sunday, September 27, 2009
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
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
Thursday, September 10, 2009
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
As at July 31, 2009, the total asset value of funds managed by the company was RM32.7 billion. -- Bernama
Sunday, July 26, 2009
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..
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..
Saturday, July 25, 2009
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)
- 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)
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)
Thursday, July 23, 2009
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 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.
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.
Tuesday, July 21, 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)
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)
Wednesday, April 29, 2009
Al-Quran Pencetus Manusia Berfikiran Kritis
Al-Quran merupakan sumber segala ilmu pengetahuan. betul ke?sape cakap?
Yang sebenarnye, dalam al-Quran tidak terdapat suatu hukum yang bersifat melumpuhkan akal manusia untuk memikirkan kandungn maknanya dan tiada sesuatu perkara pun yang merintangi akal untuk mencari pelbagai ilmu yang bersifat luas. so,terang2 la,
al-Furqan tidak melarang mereka mencari ilmu dan berfikir, asalkan masih dalam ruang lingkup kebenaran seperti kata ungkapan
‘buat apa sahaja selagi benar’,
bahkan al-Quran menggesa manusia berfikir dan mencari ilmu pengetahuan.
Berfikir adalah suatu perkara yang amat diperlukan bagi memahami semua bentuk peringatan, sebagaimana firman Allah SWT yang bermaksud:
Katakanlah (Wahai Muhammad): "Aku hanyalah mengajar dan menasihati kamu dengan satu perkara sahaja, iaitu: hendaklah kamu bersungguh-sungguh berusaha mencari kebenaran kerana Allah semata-mata, sama ada dengan cara berdua (dengan orang lain), atau seorang diri; kemudian hendaklah kamu berfikir sematang-matangnya (untuk mengetahui salah benarnya ajaranKu" (Surah Saba’: 46)
Antara ayat-ayat al-Quran yang berkisar tentang pemikiran kritis adalah:
1)
(Mengapa mereka yang kafir masih mengingkari akhirat) tidakkah mereka memerhatikan keadaan unta bagaimana ia diciptakan? (Surah al-Ghasiyah: 17)
2)
"Wahai orang-orang yang beriman! jika datang kepada kamu seorang fasik membawa sesuatu berita, maka selidikilah (untuk menentukan) kebenarannya, supaya kamu tidak menimpakan sesuatu kaum dengan perkara yang tidak diingini - Dengan sebab kejahilan kamu (mengenainya) - sehingga menjadikan kamu menyesali apa yang kamu telah lakukan". (Surah al-Hujurat: 6)
3)
"Dan jika engkau menurut kebanyakan orang yang ada di muka bumi, nescaya mereka akan menyesatkanmu dari jalan Allah; tiadalah yang mereka turut melainkan sangkaan semata-mata, dan mereka tidak lain hanyalah berdusta". (Surah al-An’am: 116)
4)
"Wahai orang-orang yang beriman, hendaklah kamu semua sentiasa menjadi orang-orang yang menegakkan keadilan kerana Allah, lagi menerangkan kebenaran; dan jangan sekali-kali kebencian kamu terhadap sesuatu kaum itu mendorong kamu kepada tidak melakukan keadilan. Hendaklah kamu berlaku adil (kepada sesiapa jua) kerana sikap adil itu lebih hampir kepada taqwa dan bertaqwalah kepada Allah, sesungguhnya Allah Maha Mengetahui dengan mendalam akan apa yang kamu lakukan". (Surah al-Ma’idah: 8)
5)
"Dan janganlah Engkau mengikut apa yang engkau tidak mempunyai pengetahuan mengenainya…" (Surah al-Isra’: 36)
Nak tahu lebih,link je kt atas tu..
HAYAT <span style="font-weight:bold;">Macam biase,anda akan kate anda tahu sume ni.tapi sejauh mane sikap ini diamalkan..kite boleh tengok sendiri tym exam,sepatutnye tap kali exam menjelang anda akan rase seronok..sebab ape,sebabnye anda boleh tengok banyak mane ilmu y anda pelajari n sejauh mane keberkata ilmu tersebut...sume ini boleh dilihat dari result y kite perolehi lepas ni..tapi,hal sebaliknya berlaku..exam yang ditiba dicaci,dimaki,dirungutkan..kadang2 lecturer dipersalahkan..n saf2 kat surau mulai surut as exam da abis...ish2,ni peringatan utk kite sume..kadang2 aq pun merungut gak..kalau2 leps ni kowg nampak aq merungut lagi,peringatla kan aq..
sebenarnye,banyak cntoh2 firman yang menyokong kenyataan kt atas ni,cume aq xmencari lagi..its a matter of time..:)
konklusi,
Sesiapa yang rajin mencari dan mengkaji sesuatu maklumat, pasti dia akan beroleh pengetahuan dan pengalaman baru..
Begitu juga bagi mereka-mereka yang malas menyelidiki dan meneliti kejadian-kejadian alam yang menjadi salah satu tanda kekuasaan dan kebesaran Allah SWT. Bukankah ilmu itu wajib dituntut oleh setiap insan yang bergelar Muslim?ni peringatan tuk aq sendiri n sape2 y berkaitan..so,lu pikir la sendiri..peace!!chow
Yang sebenarnye, dalam al-Quran tidak terdapat suatu hukum yang bersifat melumpuhkan akal manusia untuk memikirkan kandungn maknanya dan tiada sesuatu perkara pun yang merintangi akal untuk mencari pelbagai ilmu yang bersifat luas. so,terang2 la,
al-Furqan tidak melarang mereka mencari ilmu dan berfikir, asalkan masih dalam ruang lingkup kebenaran seperti kata ungkapan
‘buat apa sahaja selagi benar’,
bahkan al-Quran menggesa manusia berfikir dan mencari ilmu pengetahuan.
Berfikir adalah suatu perkara yang amat diperlukan bagi memahami semua bentuk peringatan, sebagaimana firman Allah SWT yang bermaksud:
Katakanlah (Wahai Muhammad): "Aku hanyalah mengajar dan menasihati kamu dengan satu perkara sahaja, iaitu: hendaklah kamu bersungguh-sungguh berusaha mencari kebenaran kerana Allah semata-mata, sama ada dengan cara berdua (dengan orang lain), atau seorang diri; kemudian hendaklah kamu berfikir sematang-matangnya (untuk mengetahui salah benarnya ajaranKu" (Surah Saba’: 46)
Antara ayat-ayat al-Quran yang berkisar tentang pemikiran kritis adalah:
1)
(Mengapa mereka yang kafir masih mengingkari akhirat) tidakkah mereka memerhatikan keadaan unta bagaimana ia diciptakan? (Surah al-Ghasiyah: 17)
2)
"Wahai orang-orang yang beriman! jika datang kepada kamu seorang fasik membawa sesuatu berita, maka selidikilah (untuk menentukan) kebenarannya, supaya kamu tidak menimpakan sesuatu kaum dengan perkara yang tidak diingini - Dengan sebab kejahilan kamu (mengenainya) - sehingga menjadikan kamu menyesali apa yang kamu telah lakukan". (Surah al-Hujurat: 6)
3)
"Dan jika engkau menurut kebanyakan orang yang ada di muka bumi, nescaya mereka akan menyesatkanmu dari jalan Allah; tiadalah yang mereka turut melainkan sangkaan semata-mata, dan mereka tidak lain hanyalah berdusta". (Surah al-An’am: 116)
4)
"Wahai orang-orang yang beriman, hendaklah kamu semua sentiasa menjadi orang-orang yang menegakkan keadilan kerana Allah, lagi menerangkan kebenaran; dan jangan sekali-kali kebencian kamu terhadap sesuatu kaum itu mendorong kamu kepada tidak melakukan keadilan. Hendaklah kamu berlaku adil (kepada sesiapa jua) kerana sikap adil itu lebih hampir kepada taqwa dan bertaqwalah kepada Allah, sesungguhnya Allah Maha Mengetahui dengan mendalam akan apa yang kamu lakukan". (Surah al-Ma’idah: 8)
5)
"Dan janganlah Engkau mengikut apa yang engkau tidak mempunyai pengetahuan mengenainya…" (Surah al-Isra’: 36)
Nak tahu lebih,link je kt atas tu..
HAYAT <span style="font-weight:bold;">Macam biase,anda akan kate anda tahu sume ni.tapi sejauh mane sikap ini diamalkan..kite boleh tengok sendiri tym exam,sepatutnye tap kali exam menjelang anda akan rase seronok..sebab ape,sebabnye anda boleh tengok banyak mane ilmu y anda pelajari n sejauh mane keberkata ilmu tersebut...sume ini boleh dilihat dari result y kite perolehi lepas ni..tapi,hal sebaliknya berlaku..exam yang ditiba dicaci,dimaki,dirungutkan..kadang2 lecturer dipersalahkan..n saf2 kat surau mulai surut as exam da abis...ish2,ni peringatan utk kite sume..kadang2 aq pun merungut gak..kalau2 leps ni kowg nampak aq merungut lagi,peringatla kan aq..
sebenarnye,banyak cntoh2 firman yang menyokong kenyataan kt atas ni,cume aq xmencari lagi..its a matter of time..:)
konklusi,
Sesiapa yang rajin mencari dan mengkaji sesuatu maklumat, pasti dia akan beroleh pengetahuan dan pengalaman baru..
Begitu juga bagi mereka-mereka yang malas menyelidiki dan meneliti kejadian-kejadian alam yang menjadi salah satu tanda kekuasaan dan kebesaran Allah SWT. Bukankah ilmu itu wajib dituntut oleh setiap insan yang bergelar Muslim?ni peringatan tuk aq sendiri n sape2 y berkaitan..so,lu pikir la sendiri..peace!!chow
Friday, April 24, 2009
footnotes..
23/4/2009 Public Ittikal Fund PITTIKAL 0.7730 0.0081 1.06%
23/4/2009 Public Islamic Dividend Fund PIDF 0.2599 0.0009 0.35%
23/4/2009 Public Islamic Dividend Fund PIDF 0.2599 0.0009 0.35%
Wednesday, April 15, 2009
PUBLIC BANK PLANS RM5B CAPITAL-RAISING EXERCISE
Public Bank Bhd (PBB) (1295) has proposed to raise RM5 billion for working capital, general banking and other corporate purposes of the group.
In a statement to Bursa Malaysia yesterday, PBB said it has appointed Public Investment Bank Bhd as the principal adviser/lead arranger for the capitals-raising exercise.
It has also appointed Public Investment Bank Bhd, CIMB Investment Bank Bhd and RHB Investment Bank Bhd as the joint lead managers.
The banking group said it has received Bank Negara approval for the proposed issuance of Capital Securities which are stapled to Subordinated Notes under the programme, and to classify the Capital Securities as Tier 1 capital for the computation of the risk-weighted capital ratio of PBB and the PBB Group.
In a statement to Bursa Malaysia yesterday, PBB said it has appointed Public Investment Bank Bhd as the principal adviser/lead arranger for the capitals-raising exercise.
It has also appointed Public Investment Bank Bhd, CIMB Investment Bank Bhd and RHB Investment Bank Bhd as the joint lead managers.
The banking group said it has received Bank Negara approval for the proposed issuance of Capital Securities which are stapled to Subordinated Notes under the programme, and to classify the Capital Securities as Tier 1 capital for the computation of the risk-weighted capital ratio of PBB and the PBB Group.
PUBLIC BANK TO MAINTAIN STRONG DIVIDEND
Public Bank Bhd (1295) is optimistic of solid earnings growth this year despite a tough economy and has pledged to maintain a high dividend payment.
The largest lender in the country based on market value, and among the most profitable in the region, believes it can maintain its strong earnings momentum and last year's record profit.
"We expect 2009 to be extremely challenging. However, the past few years of building size and market share coupled with the strengthened asset quality will keep us resilient in the face of challenges," co-chairman Tan Sri Thong Yaw Hong told the 3,600 share-holders who attended an annual general meeting in Kuala Lumpur yesterday.
Public Bank's net profit increased 22 per cent to a record RM2.58 billion last year as it earned more from loans and other non-interest income.
Together with a planned final dividend which involved cash and treasury shares, the bank declared an equivalent of 89.8 sen gross dividend last year.
"Shareholders can expect the liberal dividend payout to continue in future, barring unforeseen circumstances," chairman Tan Sri Dr Teh Hong Piow promised.
Still, the prospect of a deeper recession worldwide and a worsening domestic economy could make it more challenging to meet its target of 15 per cent loan growth this year, chief operating officer Leong Kwok Nyem told reporters later.
The latest 50 basis points cut in the Overnight Policy Rate (OPR) will trim two to three basis points off its net interest margin, but is not expected to have a significant impact on its profits, Leong added.
Public Bank's core net interest margin, or the difference between what it earned on loans and paid for funds, stands at 2.4 per cent currently.
Leong said that the lower Statutory Reserve Requirement, or zero-interest deposit placed with Bank Negara Malaysia, helps to offset the impact of margin squeeze.
Falling deposit rates also helps, while its large portfolio of car loans - which locks in fixed rates for years - gives the lender an edge.
HAYAT DIVIDEN ialah jumlah keuntungan atau duit untung yang kite dapat setiap tahun dari mane2 bank kt dunia ni.Tiap bank berikan pada jumlah yang berbeza,bergantung pada kemampuan bank tu tuk wat/generate duit..
The largest lender in the country based on market value, and among the most profitable in the region, believes it can maintain its strong earnings momentum and last year's record profit.
"We expect 2009 to be extremely challenging. However, the past few years of building size and market share coupled with the strengthened asset quality will keep us resilient in the face of challenges," co-chairman Tan Sri Thong Yaw Hong told the 3,600 share-holders who attended an annual general meeting in Kuala Lumpur yesterday.
Public Bank's net profit increased 22 per cent to a record RM2.58 billion last year as it earned more from loans and other non-interest income.
Together with a planned final dividend which involved cash and treasury shares, the bank declared an equivalent of 89.8 sen gross dividend last year.
"Shareholders can expect the liberal dividend payout to continue in future, barring unforeseen circumstances," chairman Tan Sri Dr Teh Hong Piow promised.
Still, the prospect of a deeper recession worldwide and a worsening domestic economy could make it more challenging to meet its target of 15 per cent loan growth this year, chief operating officer Leong Kwok Nyem told reporters later.
The latest 50 basis points cut in the Overnight Policy Rate (OPR) will trim two to three basis points off its net interest margin, but is not expected to have a significant impact on its profits, Leong added.
Public Bank's core net interest margin, or the difference between what it earned on loans and paid for funds, stands at 2.4 per cent currently.
Leong said that the lower Statutory Reserve Requirement, or zero-interest deposit placed with Bank Negara Malaysia, helps to offset the impact of margin squeeze.
Falling deposit rates also helps, while its large portfolio of car loans - which locks in fixed rates for years - gives the lender an edge.
HAYAT DIVIDEN ialah jumlah keuntungan atau duit untung yang kite dapat setiap tahun dari mane2 bank kt dunia ni.Tiap bank berikan pada jumlah yang berbeza,bergantung pada kemampuan bank tu tuk wat/generate duit..
Wednesday, March 25, 2009
seorang wanita bernama gadis..
Gadisku,
sesungguhnya kejadianmu terlalu unik, tercipta dari tulang rusuk
Adam yang bengkok menghiasi taman-taman indah lantas menjadi perhatian sang
kumbang. Kau umpama sekuntum bunga, harum aromamu bias menarik sang kumbang
untuk mendekatimu. Namun...tidak semua bunga senang didekati sang kumbang
lantaran duri yg memagari diri, umpama mawar merah, dari jauh sudah terhidu
keharumannya. Penahan warnanya yg terselah indah mengundang kekaguman
kepada sang kumbang berfikir beberapa kali untuk mendekatinya.
Gadisku,
aku suka sekiranya kau seperti mawar aspirasi setiap mujahadah.
Bentengilah kubu dirimu dengan perasaan malu yg bertunjangkan keimanan dan
keindahan takwa kepada Allah...hiasilah wajahmu dengan titisan wuduk.
Ingatilah ciri-ciri seorang wanita solehah ialah dia tidak melihat lelaki
dan lelaki tidak melihat kepadannya. Sesuatu yg tertutup itu lebih berharga
jika dibandingkan dengan sesuatu yg terdedah, umpama sebutir permata yg
didedahkan untuk perhatian umum dengan suatu permata yg diletakkan dalam
bekas tertutup. Sudah pasti keinginan naluri lebih kuat untuk melihat
sesuatu yg tersembunyi, melebihi sesuatu yg terdedah. Wanita solehah yg
patuh dan taat kepada AL-Khaliq dalam melayari liku-liku kehidupannya
adalah harapan setiap insan yg bernama Adam. Namun segalanya memerlukan
pengorbanan dan mujahadah yg tinggi kerana bertentangan dengan nafsu
serakah yg bersarang dalam dirimu. Lebih-lebih lagi dgn title gadis yg
engkau miliki, sudah pasti darah mudamu mencabar rasa keimanan yg ada.
Namun ingatlah gadisku...sesiapa yg inginkan kebaikan, maka Allah akan
memudahkan jalan-jalan baginya ke arah itu. Yang penting gadisku engkau
miliki azam, usaha dan istiqamah..
<span style="font-weight:bold;">HAYAT "kau umpama sekuntum bunga, harum aromamu bias menarik sang kumbang
untuk mendekatimu. aku suka sekiranya kau seperti mawar aspirasi setiap mujahadah."
sesungguhnya kejadianmu terlalu unik, tercipta dari tulang rusuk
Adam yang bengkok menghiasi taman-taman indah lantas menjadi perhatian sang
kumbang. Kau umpama sekuntum bunga, harum aromamu bias menarik sang kumbang
untuk mendekatimu. Namun...tidak semua bunga senang didekati sang kumbang
lantaran duri yg memagari diri, umpama mawar merah, dari jauh sudah terhidu
keharumannya. Penahan warnanya yg terselah indah mengundang kekaguman
kepada sang kumbang berfikir beberapa kali untuk mendekatinya.
Gadisku,
aku suka sekiranya kau seperti mawar aspirasi setiap mujahadah.
Bentengilah kubu dirimu dengan perasaan malu yg bertunjangkan keimanan dan
keindahan takwa kepada Allah...hiasilah wajahmu dengan titisan wuduk.
Ingatilah ciri-ciri seorang wanita solehah ialah dia tidak melihat lelaki
dan lelaki tidak melihat kepadannya. Sesuatu yg tertutup itu lebih berharga
jika dibandingkan dengan sesuatu yg terdedah, umpama sebutir permata yg
didedahkan untuk perhatian umum dengan suatu permata yg diletakkan dalam
bekas tertutup. Sudah pasti keinginan naluri lebih kuat untuk melihat
sesuatu yg tersembunyi, melebihi sesuatu yg terdedah. Wanita solehah yg
patuh dan taat kepada AL-Khaliq dalam melayari liku-liku kehidupannya
adalah harapan setiap insan yg bernama Adam. Namun segalanya memerlukan
pengorbanan dan mujahadah yg tinggi kerana bertentangan dengan nafsu
serakah yg bersarang dalam dirimu. Lebih-lebih lagi dgn title gadis yg
engkau miliki, sudah pasti darah mudamu mencabar rasa keimanan yg ada.
Namun ingatlah gadisku...sesiapa yg inginkan kebaikan, maka Allah akan
memudahkan jalan-jalan baginya ke arah itu. Yang penting gadisku engkau
miliki azam, usaha dan istiqamah..
<span style="font-weight:bold;">HAYAT "kau umpama sekuntum bunga, harum aromamu bias menarik sang kumbang
untuk mendekatimu. aku suka sekiranya kau seperti mawar aspirasi setiap mujahadah."
Friday, March 20, 2009
Ringgit may touch 3.7 next week
THE ringgit is likely to see rangebound trading next week as investors continue to take a cautious approach in view of the current economic climate, dealers said.
A dealer said the local unit may touch the 3.700 level next week.
"But it can be as high as 3.6100, if there are fresh leads to support the local fundamentals," he added.
He said throughout the week, the local unit gained from the greenback''s weakness.
The dollar started to stumble on Wednesday after the Federal Reserve announced it was injecting another US$1 trillion into the economy, including a US$300 billion purchase of longer-term Treasuries.
"The decision pressured the dollar. As the Federal Reserve begins flooding the market with dollars, the price of the currency is expected to fall further," the dealer explained.
During the week, the ringgit was mostly higher against the US dollar, supported by strong commercial demand for the local unit.
The market on Friday also saw foreign investors buying local bonds, another dealer said.
The ringgit was firmer against the US dollar at 3.6450/6500 on Friday when compared to last Friday''s rate of 3.7010/7060.
The local unit on Friday was also strong despite the inflation rate in February increasing to 3.7 per cent when compared to the same period last year. said.
Against the Singapore dollar, the ringgit was lower at 2.4128/4183 from 2.3989/4043 last Friday and weakened against the yen at 3.8523/8600 from 3.7577/7640 previously.
The ringgit dipped against the British pound to 5.3031/3115 from 5.1884/1969 last Friday while against the euro, the ringgit was weaker at 4.9831/9921 from 4.7850/7930. -- Bernama
maksud die kat cni RINGGIT MALAYSIA lagi firm compare to AMERIKA SYARIKAT.
tapi cmne pn mybe mggu depan US firm sket dari mggu ni(ringgit cecah 3.7 blik)
sebab dowg wat injection 3 trilion tu..ade pahem??
..so,harge2 unit amanah yang rendah skg ni bleh jd mahal nex week..sebab tu spe2 y nak bli ASB,PUBLIC MUTUAL sume kne skang..harge tgah murah..
by nex 2-3 weeks da bleh redeem daa,if nakla sbab da de profit..
tapi better tggu g 2-3 taun..g mashuuk!!!
A dealer said the local unit may touch the 3.700 level next week.
"But it can be as high as 3.6100, if there are fresh leads to support the local fundamentals," he added.
He said throughout the week, the local unit gained from the greenback''s weakness.
The dollar started to stumble on Wednesday after the Federal Reserve announced it was injecting another US$1 trillion into the economy, including a US$300 billion purchase of longer-term Treasuries.
"The decision pressured the dollar. As the Federal Reserve begins flooding the market with dollars, the price of the currency is expected to fall further," the dealer explained.
During the week, the ringgit was mostly higher against the US dollar, supported by strong commercial demand for the local unit.
The market on Friday also saw foreign investors buying local bonds, another dealer said.
The ringgit was firmer against the US dollar at 3.6450/6500 on Friday when compared to last Friday''s rate of 3.7010/7060.
The local unit on Friday was also strong despite the inflation rate in February increasing to 3.7 per cent when compared to the same period last year. said.
Against the Singapore dollar, the ringgit was lower at 2.4128/4183 from 2.3989/4043 last Friday and weakened against the yen at 3.8523/8600 from 3.7577/7640 previously.
The ringgit dipped against the British pound to 5.3031/3115 from 5.1884/1969 last Friday while against the euro, the ringgit was weaker at 4.9831/9921 from 4.7850/7930. -- Bernama
maksud die kat cni RINGGIT MALAYSIA lagi firm compare to AMERIKA SYARIKAT.
tapi cmne pn mybe mggu depan US firm sket dari mggu ni(ringgit cecah 3.7 blik)
sebab dowg wat injection 3 trilion tu..ade pahem??
..so,harge2 unit amanah yang rendah skg ni bleh jd mahal nex week..sebab tu spe2 y nak bli ASB,PUBLIC MUTUAL sume kne skang..harge tgah murah..
by nex 2-3 weeks da bleh redeem daa,if nakla sbab da de profit..
tapi better tggu g 2-3 taun..g mashuuk!!!
Thursday, March 19, 2009
Ni AWARD diberi oleh The Edge-Lipper...organisasi y memantau which company is THE BEST..
Fund Performance Recognition by Lipper
The Edge-Lipper Malaysia Fund Awards 2008:
Public Ittikal Fund
Best Equity Malaysia Fund
DAPAT 167.15% WITHIN 5 Years
Public SmallCap Fund
Best Equity Malaysia Small/Mid Caps
DAPAT 197.85%WITHIN 5 Years
PB Fixed Income Fund
Best Bond Malaysian Ringgit Fund
DAPAT 40.89% WITHIN 5 Years
PB Growth Fund
Best Equity Malaysia Fund
DAPAT 250.79% WITHIN 5 Years
PB Balanced Fund
Best Mixed Asset MYR Balanced Fund
DAPAT 145.78% WITHIN 5 Years
Public Bond Fund
Best Bond Malaysian Ringgit Fund
DAPAT 126.66% WITHIN 10 Years
Public Ittikal Fund
Best Equity Malaysia Fund
DAPAT 313.34% WITHIN 10 Years
AMANAT HAYAT !!! :
Pastikan FUND tu HALAL
sebelum melabur/menyimpan..
Demi kesejahteraan umat..heh2..jzakallah
The Edge-Lipper Malaysia Fund Awards 2008:
Public Ittikal Fund
Best Equity Malaysia Fund
DAPAT 167.15% WITHIN 5 Years
Public SmallCap Fund
Best Equity Malaysia Small/Mid Caps
DAPAT 197.85%WITHIN 5 Years
PB Fixed Income Fund
Best Bond Malaysian Ringgit Fund
DAPAT 40.89% WITHIN 5 Years
PB Growth Fund
Best Equity Malaysia Fund
DAPAT 250.79% WITHIN 5 Years
PB Balanced Fund
Best Mixed Asset MYR Balanced Fund
DAPAT 145.78% WITHIN 5 Years
Public Bond Fund
Best Bond Malaysian Ringgit Fund
DAPAT 126.66% WITHIN 10 Years
Public Ittikal Fund
Best Equity Malaysia Fund
DAPAT 313.34% WITHIN 10 Years
AMANAT HAYAT !!! :
Pastikan FUND tu HALAL
sebelum melabur/menyimpan..
Demi kesejahteraan umat..heh2..jzakallah
Wednesday, March 11, 2009
Most Outstanding Islamic Fund Manager Award for 2nd consecutive year
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow (left) proudly receiving the Most Outstanding Islamic Fund Manager Award from Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II.
Public Bank’s wholly-owned subsidiary, Public Mutual won the Most Outstanding Islamic Fund Manager award for second consecutive year at the 5th KLIFF (Kuala Lumpur Islamic Finance Forum) Islamic Finance Awards 2008 ceremony. The award was presented by Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II to Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow during the award presentation ceremony which was held on 18 November 2008 at the Istana Hotel Kuala Lumpur.
The 5th KLIFF Islamic Finance Awards 2008 is organised by The Centre for Research and Training (CERT) together with the host, Halal Industry Development Corporation (HDC), and in collaboration with Dow Jones Islamic Market Indexes (DJIM), the International Institute of Islamic Finance (IIIF) and Messrs Hisham, Sobri & Kadir (HSK).
Tan Sri Teh expressed pride that once again Public Mutual is bestowed this prestigous award. “This award represents the 121st award won by Public Mutual since 1999. Winning this award not only reinforces our position in the Islamic unit trust industry but also affirms our commitment to excellence,� he added. Tan Sri Teh dedicated the award to Public Mutual’s board of directors, the management, staff, agency force and the investors for their unwavering support and trust over the years.
Public Mutual is a leading player in the private Islamic unit trust fund sector in Malaysia. As at end September 2008, it manages 24 Islamic funds with total Islamic assets under management of RM8.5 billion. This represents 50.7% market share of the private Islamic unit trust industry. The company is also the most awarded Islamic unit trust fund manager in Malaysia, winning a total of 32 Islamic Fund Awards. This includes the "Best Islamic Fund Manager in Asia 2006 & 2007" awarded by Failaka Advisors, Dubai, a recognised leader in the field of Islamic fund research.
Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000-strong unit trust consultants. As at end September 2008, the total net asset value of the funds managed by the company was RM24.1 billion.
Photo caption: Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow (left) proudly receiving the Most Outstanding Islamic Fund Manager Award from Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II.
HAYAT : sudah terang lagi nyata..CUME PERLU SIMPAN DUIT KT PUBLIC BANK JE,den tggu komisen yang halal lebih dari ASB..nyam2
Public Bank’s wholly-owned subsidiary, Public Mutual won the Most Outstanding Islamic Fund Manager award for second consecutive year at the 5th KLIFF (Kuala Lumpur Islamic Finance Forum) Islamic Finance Awards 2008 ceremony. The award was presented by Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II to Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow during the award presentation ceremony which was held on 18 November 2008 at the Istana Hotel Kuala Lumpur.
The 5th KLIFF Islamic Finance Awards 2008 is organised by The Centre for Research and Training (CERT) together with the host, Halal Industry Development Corporation (HDC), and in collaboration with Dow Jones Islamic Market Indexes (DJIM), the International Institute of Islamic Finance (IIIF) and Messrs Hisham, Sobri & Kadir (HSK).
Tan Sri Teh expressed pride that once again Public Mutual is bestowed this prestigous award. “This award represents the 121st award won by Public Mutual since 1999. Winning this award not only reinforces our position in the Islamic unit trust industry but also affirms our commitment to excellence,� he added. Tan Sri Teh dedicated the award to Public Mutual’s board of directors, the management, staff, agency force and the investors for their unwavering support and trust over the years.
Public Mutual is a leading player in the private Islamic unit trust fund sector in Malaysia. As at end September 2008, it manages 24 Islamic funds with total Islamic assets under management of RM8.5 billion. This represents 50.7% market share of the private Islamic unit trust industry. The company is also the most awarded Islamic unit trust fund manager in Malaysia, winning a total of 32 Islamic Fund Awards. This includes the "Best Islamic Fund Manager in Asia 2006 & 2007" awarded by Failaka Advisors, Dubai, a recognised leader in the field of Islamic fund research.
Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000-strong unit trust consultants. As at end September 2008, the total net asset value of the funds managed by the company was RM24.1 billion.
Photo caption: Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow (left) proudly receiving the Most Outstanding Islamic Fund Manager Award from Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II.
HAYAT : sudah terang lagi nyata..CUME PERLU SIMPAN DUIT KT PUBLIC BANK JE,den tggu komisen yang halal lebih dari ASB..nyam2
Wednesday, March 4, 2009
Dear Unit Trust Consultants,
We forward herewith the Market Wrap report for the week ended 27 February 2009 for your reference.
WEEKLY HIGHLIGHTS
The KLCI moved in a trading range before closing at 890.6 points for a marginal gain of 0.1% over the week.
Regional markets closed on a mixed note as investors continued to assess the U.S. administrations efforts to rescue selected financial institutions.
The market is anticipated to move in tandem with overseas markets as investors monitor the outlook for the U.S. credit market, global economic growth and interest rates.
WEEKLY HIGHLIGHTS
The KLCI moved in a trading range before closing at 890.6 points for a marginal gain of 0.1% over the week.
Regional markets closed on a mixed note as investors continued to assess the U.S. administrations efforts to rescue selected financial institutions.
The market is anticipated to move in tandem with overseas markets as investors monitor the outlook for the U.S. credit market, global economic growth and interest rates.
JAGA 7 SUNNAH RASULULLAH S.A.W
"Cerdasnya orang yang beriman adalah, dia yang mampu mengolah hidupnya yang sesaat, yang sekejap untuk hidup yang panjang. Hidup bukan untuk hidup, tetapi hidup untuk Yang Maha Hidup. Hidup bukan untuk mati, tapi mati itulah untuk hidup.
Kita jangan takut mati, jangan mencari mati, jangan lupakan mati, tapi rindukan mati. Kerana, mati adalah pintu berjumpa dengan Allah SWT. Mati bukanlah cerita dalam akhir hidup, tapi mati adalah awal cerita sebenarnya, maka sambutlah kematian dengan penuh ketakwaan.
Hendaknya kita selalu menjaga tujuh sunnah Nabi setiap hari. Ketujuh sunnah Nabi SAW itu adalah:
Pertama: tahajjud, kerana kemuliaan seorang mukmin terletak pada tahajjudnya.
Kedua: membaca Al-Qur'an sebelum terbit matahari Alangkah baiknya sebelum mata melihat dunia, sebaiknya mata membaca Al-Qur'an terlebih dahulu dengan penuh pemahaman.
Ketiga: jangan tinggalkan masjid terutama di waktu shubuh. Sebelum melangkah kemana pun langkahkan kaki ke masjid, kerana masjid merupakan pusat keberkahan, bukan kerana panggilan muadzin tetapi panggilan Allah yang mencari orang beriman untuk memakmurkan masjid Allah.
Keempat: jaga solat dhuha, kerana kunci rezeki terletak pada solat dhuha.
Kelima: jaga sedekah setiap hari. Allah menyukai orang yang suka bersedekah, dan malaikat Allah selalu mendoakan kepada orang yang bersedekah setiap hari.
Keenam: jaga wudhu terus menerus kerana Allah menyayangi hamba yang berwudhu. Kata khalifah Ali bin Abu Thalib, "Orang yang selalu berwudhu senantiasa ia akan merasa selalu solat walau ia sedang tidak solat, dan dijaga oleh malaikat dengan dua doa, ampuni dosa dan sayangi dia ya Allah".
Ketujuh: amalkan istighfar setiap saat. Dengan istighfar masalah yang terjadi kerana dosa kita akan dijauhkan oleh Allah.
Zikir adalah bukti syukur kita kepada Allah. Bila kita kurang bersyukur, maka kita kurang berzikir pula, oleh kerana itu setiap waktu harus selalu ada penghayatan dalam melaksanakan ibadah ritual dan ibadah ajaran Islam lainnya. Zikir juga merupakan makanan rohani yang paling bergizi, dan dengan zikir berbagai kejahatan dapat ditangkal sehingga jauhlah umat manusia dari sifat-sifat yang berpangkal pada materialisme dan hedonisme.
Kita jangan takut mati, jangan mencari mati, jangan lupakan mati, tapi rindukan mati. Kerana, mati adalah pintu berjumpa dengan Allah SWT. Mati bukanlah cerita dalam akhir hidup, tapi mati adalah awal cerita sebenarnya, maka sambutlah kematian dengan penuh ketakwaan.
Hendaknya kita selalu menjaga tujuh sunnah Nabi setiap hari. Ketujuh sunnah Nabi SAW itu adalah:
Pertama: tahajjud, kerana kemuliaan seorang mukmin terletak pada tahajjudnya.
Kedua: membaca Al-Qur'an sebelum terbit matahari Alangkah baiknya sebelum mata melihat dunia, sebaiknya mata membaca Al-Qur'an terlebih dahulu dengan penuh pemahaman.
Ketiga: jangan tinggalkan masjid terutama di waktu shubuh. Sebelum melangkah kemana pun langkahkan kaki ke masjid, kerana masjid merupakan pusat keberkahan, bukan kerana panggilan muadzin tetapi panggilan Allah yang mencari orang beriman untuk memakmurkan masjid Allah.
Keempat: jaga solat dhuha, kerana kunci rezeki terletak pada solat dhuha.
Kelima: jaga sedekah setiap hari. Allah menyukai orang yang suka bersedekah, dan malaikat Allah selalu mendoakan kepada orang yang bersedekah setiap hari.
Keenam: jaga wudhu terus menerus kerana Allah menyayangi hamba yang berwudhu. Kata khalifah Ali bin Abu Thalib, "Orang yang selalu berwudhu senantiasa ia akan merasa selalu solat walau ia sedang tidak solat, dan dijaga oleh malaikat dengan dua doa, ampuni dosa dan sayangi dia ya Allah".
Ketujuh: amalkan istighfar setiap saat. Dengan istighfar masalah yang terjadi kerana dosa kita akan dijauhkan oleh Allah.
Zikir adalah bukti syukur kita kepada Allah. Bila kita kurang bersyukur, maka kita kurang berzikir pula, oleh kerana itu setiap waktu harus selalu ada penghayatan dalam melaksanakan ibadah ritual dan ibadah ajaran Islam lainnya. Zikir juga merupakan makanan rohani yang paling bergizi, dan dengan zikir berbagai kejahatan dapat ditangkal sehingga jauhlah umat manusia dari sifat-sifat yang berpangkal pada materialisme dan hedonisme.
Sunday, March 1, 2009
Berita Harian selasa 24 februari 2009
saham amanah adalah satu skim pelaburan yg mengumpul wang drpd sejumlah besar pelabur yg berkongsi matlamat kewangan yg sama. dana yg dikumpulkan itu kemudian diuruskan sekumpulan pengurus profesional yg melabur wang berkenaan ke dlam instrumen pelburan terutama di pasaran saham atau lain-lain sekuriti yg dibenarkan bg mencapai matlamat pelaburan dana berkenaan. memandangkn psran saham semasa yg kurang cergas, sudah tentu pulangan drpd pelaburan sham amanah yg dilaburkn dlm instrumen itu tidak mmberikan pulangan spt yg kita harapkan.
Namun, adakah berdasarkan keadaan itu kita harus berhenti melabur dlm sham amanah?
dlam soal ini, pengurus dana menasihatkan pelabur supaya tidak melihat kpd faktor itu kerana pd pdgan mrk, tidak kira sama ada keadaan psaran sham cergas atau tak peluang pelaburan bermatlamat jagka pjg.
Kelembapan pasaran sudah pasti membuka peluang kpd kita utk membeli unit saham amanah pd harga lbih murah. "Sudah pasti, ia adalh sesuatu yg perlu diberi perhatian oleh pelabur krn peluang sntiasa terbuka di luar sana " kata J Campbell Tupling, Ketua Eksekutif CIMB-Principal Asset Management Bhd.
Bagaimanapun Tupling berkata, pelabur perlu sentiasa ingat bhw pelaburan dlm sham amanah adalah utk jangka pnjg, justeru mereka tidak boleh mengharapkan pulangan serta merta, iaitu sebaik saja psaran pulih.
"Jika anda ingin mhrapkan pulangan dlam masa 6 bulan, jwapannya tidak. Ia mesti lebih lama drpd itu. " Tetapi jika jgka masa pelaburan anda adalah untuk 5 thun, sekarang adlh masa yg pling sesuai utk mmbeli unit krn hrga unit adlh sgt murah. Sekarang adlah peluang terbaik, " katanya.
Tupling berkata, strategi yg perlu diguna pakai pelabur saham amanah sekarang ialah 'beli dan tunggu'. " Strategi beli dan tunggu adlah lebih bertepatan dgn keadaan smasa dan sesuai untk kebanyakan org. " Keuntungan yg baik secara umumnya dimiliki olh mrk yg mmpunyai portfolio pelaburan yg pelbagai dgn pelburan pula adlh untk jgka masa pnjg. " katanya.
Meskipun sekarang adalah masa yg terbaik utk membeli unit sham amanah, sumber kwangan yg terhad berikutan keadaan ekonomi smasa myebbkan org rmai terpaksa melupakan hasrat untuk melabur. Tupling bagaimanapun berkata, bg mengatasi masalah itu, pelabur boleh mgeluarkan wang caruman Kumpulan Wang Simpann Pekerja untuk dilaburkan dlam saham amanah.
" Org rmai bleh mggunakan caruman KWSP untk tujuan pelaburan. Bagus nya skim ini adalh kerana wang yg dikeluarkan itu hanya boleh digunakan semata-mata bg tujuan pelaburan dan tidak boleh digunakan untuk tujuan membeli perkara lain " katanya.
Beliau berkata, selain menerusi skim pelaburan KWSP, pelabur jga boleh membuat pelaburan mnerusi simpanan berkala scara tetap drpd potongan gaji.
" Anda boleh membuat potongan tetap beberapa ratus ringgit drpd gaji bulanan untk dimasukkan ke dlam program saham amanah.
" Perkara ini memerlukan disiplin. Jika tidak mempunyai banyak wang, mulakan dgan RM100 sebulan atau utk mndpatkan pulangan lebih tinggi, laburkan RM500 sebulan utk membeli unit saham amanah yg baik. " Jika pemulihan pasaran mengambil masa yg lbih lama drpd yg kita jangkakan, ia bermakna lebih byk wang yg telah anda laburkan.
" Sebaliknya jika pemlihan berlaku lebih pantas, sekurang-kurangnya anda telah mempunyai sesuatu, " katanya. Tupling bagaimanapun menasihatkan org ramai supaya memulakan pelaburan dlam saham amanah seawal mgkin, sebaiknya ketika baru memasuki alam pekerjaan.
" Memulakan pelaburan di usia muda selalunya menjadi cabaran yg besar krn kita sentiasa ada keinginan utk membeli itu dan ini ketika itu.
" Ramai org yg baru memikirkan untuk melabur apabila mencecah usia 40-an kerana merasakan tidak mempunyai wang yg mencukupi bg tujuan persaraan." katanya. Bagaimanapun katanya Malaysia mempunyai progam persaraan yg baik menerusi KWSP yg di perkenalkan kerajaan.
" Meskipun begitu memandangkan wang simpanan KWSP biasanya habis digunakan dalam masa kira-kira tiga tahun selepas bersara, rakyat malaysia memerlukan pelaburan sampingan bg menyokong wang caruman KWSP mereka" katanya.
" Tupling berkata bg mereka yg telah mencapai usia 40 an, mereka perlu melabur lebih banyak setiap bulan bagi mencapai matlamat kewangan mereka iaitu untuk mempunyai wang persaraan yg mencukupi.
" Perancangan kewangan boleh membantu anda mencapai matlamat kwangan yg diiginkan. Anda masih belum terlambat, " katanya.
Feel free to contact us : unit trust consultant for Public Mutual Berhad
Hilmi = 013-3099002
Fazieha- 012-34359532
Namun, adakah berdasarkan keadaan itu kita harus berhenti melabur dlm sham amanah?
dlam soal ini, pengurus dana menasihatkan pelabur supaya tidak melihat kpd faktor itu kerana pd pdgan mrk, tidak kira sama ada keadaan psaran sham cergas atau tak peluang pelaburan bermatlamat jagka pjg.
Kelembapan pasaran sudah pasti membuka peluang kpd kita utk membeli unit saham amanah pd harga lbih murah. "Sudah pasti, ia adalh sesuatu yg perlu diberi perhatian oleh pelabur krn peluang sntiasa terbuka di luar sana " kata J Campbell Tupling, Ketua Eksekutif CIMB-Principal Asset Management Bhd.
Bagaimanapun Tupling berkata, pelabur perlu sentiasa ingat bhw pelaburan dlm sham amanah adalah utk jangka pnjg, justeru mereka tidak boleh mengharapkan pulangan serta merta, iaitu sebaik saja psaran pulih.
"Jika anda ingin mhrapkan pulangan dlam masa 6 bulan, jwapannya tidak. Ia mesti lebih lama drpd itu. " Tetapi jika jgka masa pelaburan anda adalah untuk 5 thun, sekarang adlh masa yg pling sesuai utk mmbeli unit krn hrga unit adlh sgt murah. Sekarang adlah peluang terbaik, " katanya.
Tupling berkata, strategi yg perlu diguna pakai pelabur saham amanah sekarang ialah 'beli dan tunggu'. " Strategi beli dan tunggu adlah lebih bertepatan dgn keadaan smasa dan sesuai untk kebanyakan org. " Keuntungan yg baik secara umumnya dimiliki olh mrk yg mmpunyai portfolio pelaburan yg pelbagai dgn pelburan pula adlh untk jgka masa pnjg. " katanya.
Meskipun sekarang adalah masa yg terbaik utk membeli unit sham amanah, sumber kwangan yg terhad berikutan keadaan ekonomi smasa myebbkan org rmai terpaksa melupakan hasrat untuk melabur. Tupling bagaimanapun berkata, bg mengatasi masalah itu, pelabur boleh mgeluarkan wang caruman Kumpulan Wang Simpann Pekerja untuk dilaburkan dlam saham amanah.
" Org rmai bleh mggunakan caruman KWSP untk tujuan pelaburan. Bagus nya skim ini adalh kerana wang yg dikeluarkan itu hanya boleh digunakan semata-mata bg tujuan pelaburan dan tidak boleh digunakan untuk tujuan membeli perkara lain " katanya.
Beliau berkata, selain menerusi skim pelaburan KWSP, pelabur jga boleh membuat pelaburan mnerusi simpanan berkala scara tetap drpd potongan gaji.
" Anda boleh membuat potongan tetap beberapa ratus ringgit drpd gaji bulanan untk dimasukkan ke dlam program saham amanah.
" Perkara ini memerlukan disiplin. Jika tidak mempunyai banyak wang, mulakan dgan RM100 sebulan atau utk mndpatkan pulangan lebih tinggi, laburkan RM500 sebulan utk membeli unit saham amanah yg baik. " Jika pemulihan pasaran mengambil masa yg lbih lama drpd yg kita jangkakan, ia bermakna lebih byk wang yg telah anda laburkan.
" Sebaliknya jika pemlihan berlaku lebih pantas, sekurang-kurangnya anda telah mempunyai sesuatu, " katanya. Tupling bagaimanapun menasihatkan org ramai supaya memulakan pelaburan dlam saham amanah seawal mgkin, sebaiknya ketika baru memasuki alam pekerjaan.
" Memulakan pelaburan di usia muda selalunya menjadi cabaran yg besar krn kita sentiasa ada keinginan utk membeli itu dan ini ketika itu.
" Ramai org yg baru memikirkan untuk melabur apabila mencecah usia 40-an kerana merasakan tidak mempunyai wang yg mencukupi bg tujuan persaraan." katanya. Bagaimanapun katanya Malaysia mempunyai progam persaraan yg baik menerusi KWSP yg di perkenalkan kerajaan.
" Meskipun begitu memandangkan wang simpanan KWSP biasanya habis digunakan dalam masa kira-kira tiga tahun selepas bersara, rakyat malaysia memerlukan pelaburan sampingan bg menyokong wang caruman KWSP mereka" katanya.
" Tupling berkata bg mereka yg telah mencapai usia 40 an, mereka perlu melabur lebih banyak setiap bulan bagi mencapai matlamat kewangan mereka iaitu untuk mempunyai wang persaraan yg mencukupi.
" Perancangan kewangan boleh membantu anda mencapai matlamat kwangan yg diiginkan. Anda masih belum terlambat, " katanya.
Feel free to contact us : unit trust consultant for Public Mutual Berhad
Hilmi = 013-3099002
Fazieha- 012-34359532
Wednesday, February 25, 2009
58,000 dijangka hilang kerja
KUALA LUMPUR - Kerajaan menjangkakan seramai 40,000 hingga 58,000 orang akan diberhentikan kerja tahun ini ekoran krisis ekonomi global.
Timbalan Menteri Sumber Manusia, Datuk Noraini Ahmad berkata, angka sebenar bergantung kepada perkembangan ekonomi global dan sejauh mana kesan pelaksanaan Pakej Rangsangan Ekonomi pertama dan kedua kelak.
“Krisis ekonomi global telah memberi impak besar terutamanya kepada sektor pembuatan apabila permintaan bagi banyak produk pasaran eksport telah menurun.
“Ini telah menyebabkan syarikat pengeluar terpaksa mengurangkan pekerja melalui tindakan pemberhentian tetap, sementara dan skim pemberhentian sukarela (VSS),’’ kata Noraini pada persidangan Dewan Rakyat di sini semalam.
Bagi memastikan peluang kerja menyebelahi rakyat tempatan, kementeriannya telah memutuskan agar pengambilan pekerja asing dibekukan bagi sektor pembuatan terutama dalam industri elektrik dan elektronik, tekstil, pakaian serta sektor perkhidmatan.
Timbalan Menteri Sumber Manusia, Datuk Noraini Ahmad berkata, angka sebenar bergantung kepada perkembangan ekonomi global dan sejauh mana kesan pelaksanaan Pakej Rangsangan Ekonomi pertama dan kedua kelak.
“Krisis ekonomi global telah memberi impak besar terutamanya kepada sektor pembuatan apabila permintaan bagi banyak produk pasaran eksport telah menurun.
“Ini telah menyebabkan syarikat pengeluar terpaksa mengurangkan pekerja melalui tindakan pemberhentian tetap, sementara dan skim pemberhentian sukarela (VSS),’’ kata Noraini pada persidangan Dewan Rakyat di sini semalam.
Bagi memastikan peluang kerja menyebelahi rakyat tempatan, kementeriannya telah memutuskan agar pengambilan pekerja asing dibekukan bagi sektor pembuatan terutama dalam industri elektrik dan elektronik, tekstil, pakaian serta sektor perkhidmatan.
Attitude Versus Aptitude
By: Brian Tracy
Overcome A Major Fear
A major source of stress in your life is the "fear of rejection" or "fear of criticism." This fear of rejection manifests itself in an over-concern for the approval or disapproval of your boss or other people. The fear of rejection is often learned in early childhood as the result of a parent giving the child what psychologists call "conditional love."
Rise Above the Need For Approval
Many parents made the mistake of giving love and approval to their children only when their children did something that they wanted them to do. A child who has grown up with this kind of conditional love tends to seek for unconditional approval from others all his or her life. When the child becomes an adult, this need for approval from the parent is transferred to the workplace and onto the boss. The adult employee can then become preoccupied with the opinion of the boss. This preoccupation can lead to an obsession to perform to some undetermined high standard.
Avoid Type A Behavior
Doctors Rosenman and Friedman, two San Francisco heart specialists, have defined this obsession for performance as "Type A behavior." Experts have concluded that approximately 60% of men and as many as 30% of women are people with Type A behavior.
Don't Burn Yourself Out
This Type A behavior can vary from mild forms to extreme cases. People who are what they call "true Type A's" usually put so much pressure on themselves to perform in order to please their bosses that they burn themselves out. They often die of heart attacks before the age of 55. This Type A behavior, triggered by conditional love in childhood, is a very serious stress-related phenomenon in the American workplace.
Action Exercises
Here are two things you can do immediately to deal with the fear of rejection, criticism and disapproval.
First, realize and accept that the opinions of others are not important enough for you to feel stressed, unhappy or over concerned about them. Even if they dislike you entirely, it has nothing to do with your own personal worth and value as a person.
Second, refuse to be over concerned about what you think people are thinking about you. The fact is that most people are not thinking about you at all. Relax and get on with your life.
Tuesday, February 24, 2009
Sales mistakes you must AVOID!!!
1. Insufficient Investment in Self-Development
Think beyond today's quotas. You must continually invest in your skills if you expect to increase your close rates, boost your earnings and stay on top. Best-selling sales books and “guru” seminars provide a flood of information, but can be like drinking from a fire hose — you typically retain very little and waste valuable time.
2. Inadequate Post-Sale Follow-up
Show your customers that you value their business. Schedule a series of communications via phone or email. Plan a (non-sales) visit to see how your product is working. Take your client to lunch, or drop off bagels and coffee. Great relationships create loyal customers.
3. Premature Close
Listen carefully to your prospects. If they're not ready to buy, use the appropriate close to achieve your next desired course of action. Choose a technique — such as the “minor point,” “Ben Franklin,” “next appointment” or “clean up” close — based on the signals you receive.
4. Information Overload
Don’t overwhelm your prospects with a barrage of features and benefits. Use consultative sales techniques to determine your customer's needs and create value by explaining how your product/service addresses those needs.
5. Inattention to Purchase Behavior
Increase your close rates by finding out how and when your prospects buy products and services. Research their budgeting cycles through public records, financial reports and other resources, and stay abreast of industry happenings that may impact their funding or purchasing.
6. Inadequate Competitive Knowledge
Gather competitive information from a variety of sources. Talk to your colleagues and current prospects. Research your competitors online, paying close attention to their web sites and marketing materials. Be sure to study the competition's pitch at any trade shows and conferences you may attend.
7. Inadequate Product Knowledge
Gain as much personal experience of your product as possible; you'll have more credibility and be better able to answer your prospects' questions if you've actually used what you're selling. Attend sales calls, trade shows and training classes to see how your colleagues are presenting your product, and talk to your existing customers about their experience with it.
8. Poor Lead Qualification Practices
Don't spend time and money on leads that aren't likely to convert to customers. Ask the right questions during the first conversation – or make follow-up calls if you need additional information – to ensure your lead has purchase authority and funding for your product.
9. Insufficient Account/Territory Research
Reevaluate your prospecting practices. Is there room for improvement? Use all the resources available to you – including the Internet, clients, suppliers and networking – to discover who and where the best sales opportunities are.
10. Pipeline Neglect
Think ahead, rather than focusing solely on what will close today or this month. Set aside blocks of time out of your schedule specifically to make calls to new prospects and follow up with existing clients, who can be an excellent source for referrals. Below industry experts and online faculty from the University of San Francisco tell you how to steer clear of common sales missteps that can hurt your numbers and ultimately stall your career. How savvy are you when it comes to the latest sales tools and techniques? Are common mistakes negatively impacting your numbers? We've identified 10 areas where even the most experienced sales professional can come up lacking. Fumbling during the sales process can not only cost you sales, but also slow your career momentum – when the other guy who does know how to avoid these pitfalls edges you out. Studying and implementing these crucial strategies will help you maintain a competitive advantage.
Subscribe to:
Posts (Atom)
