Ilmu ni aku ambil dari buku Consumer Association of Penang.
Conventional banks, bila bagi loan, akan charge interest "accumutively", contoh bukan 8% of the total loan, tapi kena refer table yang disediakan pihak bank.
Nevertheless, bank loan rates on property are regulated by Bank Negara. Bank Negara ada jurisdiction untuk pastikan loan rate berada pada tahap as minimum as possible, untuk membolehkan bank to run its practice, dan ensure people untuk boleh bayar balik loan tu.
Soalan = kenapa kadang2 Islamic loan pun "lebih mahal" dari nilai loan kita ambil dari conventional banks?
Islamic banking bukan bererti pinjam 100k bayar 100k ye.
Cara Islamic bank beroperasi begini.
Contoh, kau nak beli rumah 100k. What Islamic bank does, is to buy itself the house dengan value 100k from the developer, tapi jual balik kat kau dengan certain "profit". Kalau bank tak ada profit-taking, dia tak dapat berfungsi sebagai institusi kewangan.
Nilai profit-taking tu kau kena agree betul2 dengan bank (baca agreement loan betul2).
There are practices, contohnya loan utk 20 tahun, maka nilai loan diberi tu akan consider nilai 20 tahun akan datang. That's why kenapa kadangkala rumah 100k tapi kau bayar balik bank dengan harga yg mahal sebab consider nilai rumah 20 tahun akan datang.
Bank pasti akan profit-taking kalau beri loan. Cuma as a pengguna, kau perlu bijak untuk determine berapa kau kena bayar based on your study and comparison of loan-rates and loan practices.
Sebab itu, ada satu tesis Wan Marhaini Wan Ahmad tahun 2011 bertajuk ZAKAT INVESTMENT IN MALAYSIA: A STUDY OF CONTEMPORARY POLICY AND PRACTICE IN RELATION TO SHARIA (try carik dlm net, boleh download), yang mana propose zakat to be invested on giving loans untuk perumahan, yang mana zakat bagi loan atas nama "zakat investment"
In economic practice, zakat boleh digunakan untuk bantu orang "bawah 3k" to buy houses di mana duit zakat tu beli rumah dan jual balik kepada orang "bawah 3k" tadi dengan "harga berpatutan"
Is it a need? Sure, sebab harga rumah melambung naik dan ramai Muslims yang tak berapa boleh nak afford buying houses.
-------------------------------------------
DISCIPLINE IN STUDY
Within 6 years of working in construction, there are a number of times when I'm screwed by my bosses sebab salah faham certain things dalam engineering.
Even though aku read the books, guidelines, standards, etc, tapi pemahaman itu tak semestinya betul. And so, senior people or bosses akan bagi tahu the correct understanding of the clause, and from there kau pun akan develop ilmu dan skill kau.
Itu sebab dalam kehidupan beragama ni, aku sentiasa try to improve "the correct understanding" of it,
either cari buku2 mcm riyadhus shalihin, tanbihul ghafilin, ihya ulumiddin, buku2 academic Islam yg bagus dan cari la ustaz2 atau download ceramah.
sebab, sedangkan aku kerja pun perlu kepada study2 standard2, catalogue, guideline, etc. masakan benda beragama tak buat sama macam kerja.
Agama kalau based on hearsay, takut satu hari dia goyah. Even when you study yourself, ada kalanya you might gain in-correct understanding of it.
Sebab ilmu, whether agama, science, engineering atau sebagainya, dia ada discipline ilmu.
Dan kadangkala, bila berborak dgn atheist2 Melayu, aku rasa, mereka hanya berasaskan ilmu logic mantic purely on logic reasoning, tapi tak di sokong satu foundation atau discipline ilmu yg kuat.
Seperti berbual dengan adik darjah 3 tentang fizik mekanik Form 6, perbincangan rasa takjub dan hebat, reason nampak logic tapi mathematically stupid.
Sebab fizik mekanik Form 6 perlu belajar dari mathematical point of view, baru dapat correct understanding of it.Perbincangan fizik mekanik Form 6 berasaskan philosophical semata-mata, tidak menghasilkan fruitful discussion walaupun nampak hebat. It's the mathematics of it yang enable Russians to launch the Sputnik satellite during the 1950's.
Dulu Ibnu Rushd pernah aju soalan logic mantik "Bolehkah Tuhan mencipta satu batu yang Dia sendiri tak boleh angkat?"
Actually, Ibnu Rushd bukan heretic/kafir, Beliau nak tunjukkan ilmu logic mantik ni sometimes boleh menghasilkan sesuatu yang di-panggil paradox.
Paradox = dua statement yg true tapi bila combine, dia akan contradict each other.
http://en.wikipedia.org/wiki/List_of_paradoxes
Thomas Aquinas, Augustine of Hippo dalam buke The City of God cuba rungkai Omnipotence paradox ini, but in the end, logic mantik, kalau tak ada certain limit dan foundation, dia akan mislead.
Science learns from this, and so, science selalu discipline-kan ilmunya dengan research-based mentality,buat experiment, kaji contoh2 dalam kehidupan, dan develop mathematics and so on, bukan hanya sangkaan2 kosong dalam minda.
satu lagi paradox, yg mana, reason kenapa science titik beratkan ilmu statistic kalau buat certain kajian. http://en.wikipedia.org/wiki/Low_birth_weight_paradox
It's found that mothers who smoke, produce underweight babies yang kadar kematian kurang berbanding mothers who don't smoke.
Sekali lalu, boleh di-induce bahawa smoking have no effect on mortality rates.
But, that's where ilmu statistic comes in, untuk kaji data tu balik. Is there any correlation purely by statistic to show this?
Bila discipline ilmu statistic di-apply, maka scientist found out, smoking will induce underweight babies, tapi kematian underweight babies ni lebih dipengaruhi faktor lain berbanding smoking. Nevertheless, having underweight babies increase the chance of mortality of the baby.
Itu lah discipline ilmu yang perlu kita apply utk cari the truth, especially religion.
Always check what you know because even though it might seem logical, yet it is false.
Even as I work longer dalam construction, aku lebih suka cakap "wo pu che tau" dan tengok penjelasan from other engineers. In the same time, aku try baca itu dan ini, sebab correct understanding of things perlukan effort dan discipline.
Cara Islamic bank beroperasi begini.
Contoh, kau nak beli rumah 100k. What Islamic bank does, is to buy itself the house dengan value 100k from the developer, tapi jual balik kat kau dengan certain "profit". Kalau bank tak ada profit-taking, dia tak dapat berfungsi sebagai institusi kewangan.
Nilai profit-taking tu kau kena agree betul2 dengan bank (baca agreement loan betul2).
There are practices, contohnya loan utk 20 tahun, maka nilai loan diberi tu akan consider nilai 20 tahun akan datang. That's why kenapa kadangkala rumah 100k tapi kau bayar balik bank dengan harga yg mahal sebab consider nilai rumah 20 tahun akan datang.
Bank pasti akan profit-taking kalau beri loan. Cuma as a pengguna, kau perlu bijak untuk determine berapa kau kena bayar based on your study and comparison of loan-rates and loan practices.
Sebab itu, ada satu tesis Wan Marhaini Wan Ahmad tahun 2011 bertajuk ZAKAT INVESTMENT IN MALAYSIA: A STUDY OF CONTEMPORARY POLICY AND PRACTICE IN RELATION TO SHARIA (try carik dlm net, boleh download), yang mana propose zakat to be invested on giving loans untuk perumahan, yang mana zakat bagi loan atas nama "zakat investment"
In economic practice, zakat boleh digunakan untuk bantu orang "bawah 3k" to buy houses di mana duit zakat tu beli rumah dan jual balik kepada orang "bawah 3k" tadi dengan "harga berpatutan"
Is it a need? Sure, sebab harga rumah melambung naik dan ramai Muslims yang tak berapa boleh nak afford buying houses.
-------------------------------------------
DISCIPLINE IN STUDY
Within 6 years of working in construction, there are a number of times when I'm screwed by my bosses sebab salah faham certain things dalam engineering.
Even though aku read the books, guidelines, standards, etc, tapi pemahaman itu tak semestinya betul. And so, senior people or bosses akan bagi tahu the correct understanding of the clause, and from there kau pun akan develop ilmu dan skill kau.
Itu sebab dalam kehidupan beragama ni, aku sentiasa try to improve "the correct understanding" of it,
either cari buku2 mcm riyadhus shalihin, tanbihul ghafilin, ihya ulumiddin, buku2 academic Islam yg bagus dan cari la ustaz2 atau download ceramah.
sebab, sedangkan aku kerja pun perlu kepada study2 standard2, catalogue, guideline, etc. masakan benda beragama tak buat sama macam kerja.
Agama kalau based on hearsay, takut satu hari dia goyah. Even when you study yourself, ada kalanya you might gain in-correct understanding of it.
Sebab ilmu, whether agama, science, engineering atau sebagainya, dia ada discipline ilmu.
Dan kadangkala, bila berborak dgn atheist2 Melayu, aku rasa, mereka hanya berasaskan ilmu logic mantic purely on logic reasoning, tapi tak di sokong satu foundation atau discipline ilmu yg kuat.
Seperti berbual dengan adik darjah 3 tentang fizik mekanik Form 6, perbincangan rasa takjub dan hebat, reason nampak logic tapi mathematically stupid.
Sebab fizik mekanik Form 6 perlu belajar dari mathematical point of view, baru dapat correct understanding of it.Perbincangan fizik mekanik Form 6 berasaskan philosophical semata-mata, tidak menghasilkan fruitful discussion walaupun nampak hebat. It's the mathematics of it yang enable Russians to launch the Sputnik satellite during the 1950's.
Dulu Ibnu Rushd pernah aju soalan logic mantik "Bolehkah Tuhan mencipta satu batu yang Dia sendiri tak boleh angkat?"
Actually, Ibnu Rushd bukan heretic/kafir, Beliau nak tunjukkan ilmu logic mantik ni sometimes boleh menghasilkan sesuatu yang di-panggil paradox.
Paradox = dua statement yg true tapi bila combine, dia akan contradict each other.
http://en.wikipedia.org/wiki/List_of_paradoxes
Thomas Aquinas, Augustine of Hippo dalam buke The City of God cuba rungkai Omnipotence paradox ini, but in the end, logic mantik, kalau tak ada certain limit dan foundation, dia akan mislead.
Science learns from this, and so, science selalu discipline-kan ilmunya dengan research-based mentality,buat experiment, kaji contoh2 dalam kehidupan, dan develop mathematics and so on, bukan hanya sangkaan2 kosong dalam minda.
satu lagi paradox, yg mana, reason kenapa science titik beratkan ilmu statistic kalau buat certain kajian. http://en.wikipedia.org/wiki/Low_birth_weight_paradox
It's found that mothers who smoke, produce underweight babies yang kadar kematian kurang berbanding mothers who don't smoke.
Sekali lalu, boleh di-induce bahawa smoking have no effect on mortality rates.
But, that's where ilmu statistic comes in, untuk kaji data tu balik. Is there any correlation purely by statistic to show this?
Bila discipline ilmu statistic di-apply, maka scientist found out, smoking will induce underweight babies, tapi kematian underweight babies ni lebih dipengaruhi faktor lain berbanding smoking. Nevertheless, having underweight babies increase the chance of mortality of the baby.
Itu lah discipline ilmu yang perlu kita apply utk cari the truth, especially religion.
Always check what you know because even though it might seem logical, yet it is false.
Even as I work longer dalam construction, aku lebih suka cakap "wo pu che tau" dan tengok penjelasan from other engineers. In the same time, aku try baca itu dan ini, sebab correct understanding of things perlukan effort dan discipline.