tag:blogger.com,1999:blog-4073206868730283222024-03-14T21:26:45.572+08:00PERMAIYA - PERSATUAN MAHASISWA IKIP-YARMOUKtogether we inspire !!Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.comBlogger48125tag:blogger.com,1999:blog-407320686873028322.post-75985485878584089912012-02-07T19:36:00.000+08:002012-02-07T19:36:27.424+08:00New semester, a new youAssalamualaikum W.B.T<div><br /></div><div>Alhamdulillah dan bersyukur kita kehadrat Allah S.W.T kerana dengan limpah kurnianya dapat kita bersama- sama meneruskan kembali pengajian selepas bercuti tempoh hari.</div><div><br /></div><div>Sedar atau tidak , masa begitu pantas berlalu. Bagi batch 06 semester baru ini akan menjadi semester terakhir mereka di IKIP sebelum ke Jordan. Dan bagi batch 07 mereka akan memulakan semester 2 mereka di IKIP. </div><div><br /></div><div>Gunakan hari -hari kita yang ada untuk kita mencari sebanyak mungkin ilmu yang bermanfaat khusunya dlm bidang perbankan islam ini. Jadikanlah pengalaman yang lepas sebagai "guru" untuk kita memajukan diri kita baik dari segi prestasi akademik , kemahiran bahasa , Pointer ( GPA & CGPA ) , ilmu diniyyah, futsal ( boleh jugak ) dan apa jua aspek. Semoga semester ini lebih baik dari sebelumnya !</div><div><br /></div><div>Sekian.</div><div><br /></div><div><br /></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-9539915842803477782012-01-31T02:03:00.010+08:002012-01-31T14:51:43.435+08:00Program From Zero to Hero : Mahasiswa Mumtaz Aspirasi Ummah!<div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxgwfyTv075S30-BEIVuSWKB1AWDdFwtiaq_33GT9Be4ZLUV1N8tOZZXmqoZWtz3ZrawA28j_1bGk7RT9dN9B0DTcmP8jjLmvTA0R0MakhFWM3gGntf612gYagVRGn6lYfdAJQTfGjve7H/s1600/o+to+hero.jpg" style="text-align: left; "><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxgwfyTv075S30-BEIVuSWKB1AWDdFwtiaq_33GT9Be4ZLUV1N8tOZZXmqoZWtz3ZrawA28j_1bGk7RT9dN9B0DTcmP8jjLmvTA0R0MakhFWM3gGntf612gYagVRGn6lYfdAJQTfGjve7H/s400/o+to+hero.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5703498788891859170" style="display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; text-align: center; cursor: pointer; width: 400px; height: 254px; " /></a></div><div style="text-align: center;"><div style="text-align: center; "><br /></div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxgwfyTv075S30-BEIVuSWKB1AWDdFwtiaq_33GT9Be4ZLUV1N8tOZZXmqoZWtz3ZrawA28j_1bGk7RT9dN9B0DTcmP8jjLmvTA0R0MakhFWM3gGntf612gYagVRGn6lYfdAJQTfGjve7H/s1600/o+to+hero.jpg" style="text-align: left; "></a></div><div style="text-align: center;"><span ><u><br /></u></span></div><div><div style="text-align: center;"><span ><u><br /></u></span></div><p class="MsoNormal" align="center" style="margin-bottom: 12pt; "><span style="font-size: 12pt; ">Sempena tahun baru Masihi,2012 lajnah PERMAIYA telah menganjurkan satu program pada 31 Disember 2011 hingga 1 Januari 2012 yang bertempat di Masjid Sultan Ahmad Shah 1, Kuantan, Pahang. Program ini disertai pelajar Semester 1 dan 3 jurusan Syariah Ekonomi dan Perbankan Islam, IKIP.<o:p></o:p></span></p><div style="text-align: center; "><div><br /></div></div><div><br /></div><p class="MsoNormal" align="center" style="margin-bottom: 0.0001pt; "><span style="font-size: 12pt; ">Pelbagai aktiviti dan slot-slot yang dibuat untuk memberikan kesedaran dan membuka minda peserta dalam membentuk jati diri 'from zero to hero'. Konsep dan tema yang cuba dimasukkan ke dalam program ini sangat bersesuaian memandangkan bermulanya tahun baru,maka penerapan azam tahun baru haruslah berlandaskan syariat Islam dan niat kerana Allah..<o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 0.0001pt; "><span style="font-size: 12pt; "><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 0.0001pt; "><span style="font-size: 12pt; ">Objektif program ini dijalankan adalah untuk melahirkan peribadi m</span><span style="font-size: 12pt; ">ahasiswa yang cemerlang melalui pendekatan keseimbangan intelek, rohani, dan jasmani, memberi kesedaran tentang peranan mahasiswa dan mengeratkan hubungan silaturrahim antara pelajar junior dan senior program IKIP-Yarmo</span><span style="font-size: 12pt; text-align: left; ">uk.</span></p><p class="MsoNormal" style="text-align: left; margin-bottom: 0.0001pt; "><span style="font-size: 12pt; font-family: 'Times New Roman', serif; "><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 0.0001pt; "><span style="font-size: 12pt; ">Antara slot-slot yang disampaikan kepada pelajar adala</span><span style="text-align: left; font-size: 12pt; ">h "Seek to Understand, then to be Understood", "Fashionized Yourself",</span><span style="text-align: left; font-size: 12pt; "> Tazkirah Subuh daripada Ustaz Said Azhar Bin Said Isa,</span><span style="text-align: left; font-size: 12pt; ">"Membuat Perubahan" dan aktiviti yang dikendalikan oleh Dr Mahyuddin Ismail yang memberi pen</span><span style="text-align: left; font-size: 12pt; ">dedahan kepada dengan cara baru iaitu menemu ramah masyarakat di Kuantan mengenai mahasiswa Islam dan azam sempena tahun baru. Aktiviti ini telah membuka minda para peserta melalui pandangan dan gelagat masyarakat yang ber</span><span style="text-align: left; font-size: 12pt; ">beza dan mempunyai pemikiran yang tersendiri serta member peluang kepada para peserta untuk berkomunikasi dan berurusan dengan masyarakat luar dengan lebih baik .</span></p><p class="MsoNormal" align="center" style="margin-bottom: 0.0001pt; "><span style="font-size: 12pt; "><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 0.0001pt; "><span style="font-size: 12pt; ">‘Part’ yang menarik mengenai program ini, para peserta berpeluang menyambut tahun baru Masihi dengan ibadah Qiamulail secara berjemaah di Masjid Negeri pada 1 Januari 2012 sedangkan di sekeliling masjid tersebut dipenuhi dengan r</span><span style="font-size: 12pt; ">emaja-remaja yang sibuk menyambut tahun baru dengan aktiviti yang tidak bermoral d</span><span style="font-size: 12pt; text-align: left; ">an tidak berfaedah. Kebanyakan remaja sekaran</span><span style="font-size: 12pt; text-align: left; ">g lebih mementingkan keseronokan di dunia tanpa memikirkan kehidupan di akhirat nanti walaupun di hadapan mereka dah terbentang luas pilihan untuk mereka ikut,terpulang pada diri masing-masing untuk menentukan pilihan yang terbaik untuk kehidupan mereka. Semoga kita semua berada di kalangan hamba-hamba yang diberikan hidayah dan petunjuk dariNya.. insyaAllah..(:</span></p><p class="MsoNoSpacing" style="text-align: left; margin-left: 0.5in; "><span lang="EN-MY"><o:p></o:p></span></p><p class="MsoNoSpacing" align="center" style="margin-left: 0.5in; "><span lang="EN-MY">Melalui pengisian yang disampaikan, para peserta berp</span><span lang="EN-MY">eluang untuk </span><span style="font-size: 12pt; ">belajar memahami dan mengenali orang lain agar diri sendiri difahami oleh orang lain.Para peserta juga menyedari betapa pentingnya perubahan ke arah </span><span style="font-size: 12pt; text-align: left; ">kebaikan dalam hidup serta program in</span><span style="font-size: 12pt; text-align: left; ">i telah memberi satu gambaran tentang bagaimana cara untuk berubah setelah kesedaran untuk beru</span><span style="font-size: 12pt; text-align: left; ">bah itu ada dalam diri.</span></p><p class="MsoNoSpacing" align="center" style="margin-left: 0.5in; "><span style="font-size: 12pt; ">Alhamdulillah, program ini telah memberi impak yang pos</span><span style="font-size: 12pt; ">itif buat para peserta dan mendapat respons serta kerjasama yang baik dari semua pihak. Diharap program seperti ini dapat dilaksanakan pada masa akan datang dengan penyertaan yang lebih ramai dari pelajar IKIP, Kuantan..(:</span></p><p class="MsoNoSpacing" align="center" style="margin-left: 0.5in; "><span style="font-size: 12pt; "><o:p></o:p></span></p><p class="MsoNoSpacing" align="center" style="margin-left: 0.5in; "><span style="font-size: 12pt; ">PARA PES</span><span style="font-size: 12pt; text-align: left; ">ER</span><span style="font-size: 12pt; text-align: left; ">TA PROGRAM..(:</span></p></div> <p class="MsoNormal"><!--[if gte vml 1]><v:shape id="Picture_x0020_7" spid="_x0000_s1029" type="#_x0000_t75" style="'position:absolute;margin-left:341.25pt;margin-top:342.75pt;"> <v:imagedata src="file:///C:\Users\jamizan\AppData\Local\Temp\msohtmlclip1\01\clip_image002.jpg" title=""> </v:shape><v:shape id="Picture_x0020_1" spid="_x0000_s1030" type="#_x0000_t75" style="'position:absolute;margin-left:474pt;margin-top:33.75pt;width:438pt;"> <v:imagedata src="file:///C:\Users\jamizan\AppData\Local\Temp\msohtmlclip1\01\clip_image003.jpg" title=""> </v:shape><v:shape id="Picture_x0020_2" spid="_x0000_s1031" type="#_x0000_t75" style="'position:absolute;margin-left:42.75pt;margin-top:17.3pt;width:410.25pt;"> <v:imagedata src="file:///C:\Users\jamizan\AppData\Local\Temp\msohtmlclip1\01\clip_image004.jpg" title=""> </v:shape><![endif]--><!--[if !vml]--> </p><table cellpadding="0" cellspacing="0" align="left"> <tbody><tr> <td width="57" height="23"></td> <td width="398" style="text-align: center;"></td> <td width="149"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilLZ-PhFX3Ed4j9cifNLdftJvI_baV-eQmAmKRWVoRP72vdMRGvkLwHjC28HpKIIIYB_ivcn7jemmi4b7GBef_PuYIwSz4E2MaYm9TVI1452mcXGaPCaYgY8mbH8QmFTg2zb7iiS-y4a3K/s400/banin.jpg" style="text-align: left; " /></td> <td width="28"></td> <td width="316"><div style="text-align: center;"><div style="font-size: 16px; "><span><span></span></span><br /></div></div><div style="text-align: left;"><br /></div><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><div style="text-align: center;"><br /></div></td> <td width="268" style="text-align: center;"></td> </tr> <tr> <td height="22"></td> <td colspan="2" rowspan="3" align="left" valign="top" style="text-align: center;"><div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggsQ16UKeW6Iv3V3IZxR5wm_4QZUVXH3oACY0PFy-Uu_lNvfCSsQPLbcU8I0-SKMHT38gKu4l3Pypdcfu2oo7JHKYifgE3X5CjExhuddW1bJzURK1XinKCG3QSr9Ar9TpiKHrrlvGR3qKy/s400/banat.jpg" /></div></td></tr> <tr> <td height="31"></td> </tr> <tr> <td height="47"></td> </tr> <tr> <td height="370"></td> <td></td> <td colspan="3" align="left" valign="top" style="text-align: center;"><div style="font-size: 16px; "><br /></div><div>UCAPAN dari Dr Mahyuddin, Pengarah Program SOIS, IKIP..(:</div><div><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxgwfyTv075S30-BEIVuSWKB1AWDdFwtiaq_33GT9Be4ZLUV1N8tOZZXmqoZWtz3ZrawA28j_1bGk7RT9dN9B0DTcmP8jjLmvTA0R0MakhFWM3gGntf612gYagVRGn6lYfdAJQTfGjve7H/s1600/o+to+hero.jpg" style="font-size: 16px; "><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj341SBZi27WJ8ypB9aRo1ETPbcfY_D01YyaODnNXgIPDHfqDQbvMU5JJojWxUva0dpYFBd26tx63AxL1YReIeIPlno6PxjkOO9bUxY6g9qyKZADQEnJh0N7ujuHFTjBdtkw-EUvt6TyVap/s400/dr+din.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5703681541906908546" style="display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; cursor: pointer; width: 300px; height: 400px; " /></a>bersama PENCERAMAH, Ustaz Said Azhar...<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxgwfyTv075S30-BEIVuSWKB1AWDdFwtiaq_33GT9Be4ZLUV1N8tOZZXmqoZWtz3ZrawA28j_1bGk7RT9dN9B0DTcmP8jjLmvTA0R0MakhFWM3gGntf612gYagVRGn6lYfdAJQTfGjve7H/s1600/o+to+hero.jpg"></a></div><div><br /></div><div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicHyMqCZgzvOXyzDGLeeLjrTFFzApqB5Rv4bIpxGfwia7CFkiw-4HeaPvQo92NhvOC7YCgXWz4UCllf78qtVTDSil28caHb-us7UTmmjFNrP7aA9VQ8cWrWC2nlSd-NWX8Q3IK49UEk7UF/s400/ustz+said.jpg" /> </div><div><br /></div></td></tr></tbody></table> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><!--[if gte vml 1]><v:shapetype id="_x0000_t202" coordsize="21600,21600" spt="202" path="m,l,21600r21600,l21600,xe"> <v:stroke joinstyle="miter"> <v:path gradientshapeok="t" connecttype="rect"> </v:shapetype><v:shape id="_x0000_s1026" type="#_x0000_t202" style="'position:absolute;" stroked="f"> <v:textbox style="'mso-fit-shape-to-text:t'" inset="0,0,0,0"> </v:shape><v:shape id="Picture_x0020_8" spid="_x0000_s1028" type="#_x0000_t75" style="'position:absolute;margin-left:417pt;margin-top:105.8pt;width:175.5pt;"> <v:imagedata src="file:///C:\Users\jamizan\AppData\Local\Temp\msohtmlclip1\01\clip_image008.jpg" title=""> </v:shape><v:shape id="_x0000_s1027" type="#_x0000_t202" style="'position:absolute;" stroked="f"> <v:textbox inset="0,0,0,0"> <![if !mso]> <table cellpadding="0" cellspacing="0" width="100%"> <tr> <td><![endif]> <div> <p class="MsoCaption" align="center" style="'text-align:center'">Gambar <![if supportFields]><span style="'mso-element:field-begin'"></span><span style="'mso-spacerun:yes'"> </span>SEQ Gambar \* ARABIC <span style="'mso-element:field-separator'"></span><![endif]><span style="'mso-no-proof:yes'">2</span><![if supportFields]><span style="'mso-element:field-end'"></span><![endif]>: Dr Mahyuddin,pengarah SOIS IKIP memberikan ucapan</p> <p class="MsoNormal"><o:p> </o:p></p> </div> <![if !mso]></td> </tr> </table> <![endif]></v:textbox> </v:shape><![endif]--><!--[if !vml]--> </p><table cellpadding="0" cellspacing="0" align="left"> <tbody><tr><td height="31"><br /><br /><br /><br /><br /></td><td colspan="3" width="556" height="31" bgcolor="white" style="text-align: left;vertical-align: top; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: white; background-position: initial initial; background-repeat: initial initial; "><br /></td></tr> </tbody></table> <!--[endif]--><o:p> </o:p><p></p>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-56683885989573943502012-01-05T22:02:00.005+08:002012-01-05T22:12:28.524+08:00<div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><span ><b>Selamat menduduki peperiksaan akhir untuk semua ahli PERMAIYA. Saya mendoakan semo</b></span><span ><b>ga kita semua berjaya dengan</b></span><div><span ><b> cemerlang dalam peperiksaan.. </b></span><div style="text-align: center;"><span ><u><br /></u></span><span ></span></div><div style="text-align: center;"><span ><u><br /></u></span></div><div style="text-align: center;"><span ><u><br /></u></span></div><div style="text-align: center;"><span ><u><br /></u></span></div><div style="text-align: center;"><span ><u><br /></u></span></div><div style="text-align: center;"><img style="display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; cursor: pointer; width: 400px; height: 300px; " src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNauIKSDpsOUeORhUfKYspc2s1bpkuZtv890ldRMGHfA_Cm0FrFdPKkyEmvMwZTbrUYfXSxa1iNFIkNSbsz5ihvHTgL2E5NqSBaPJqABMwcLaB7yNa9pQXy-0YJd9PERtALP-j8RSVwWRp/s400/buku-buku.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5694149592502108322" /></div><div><br /></div><div><br /></div><div><br /></div><div>Ikhlas daripada Ketua Lajnah Akademik dan Publisiti Permaiya.</div></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-60960070479960580392011-10-10T21:32:00.007+08:002011-11-22T12:11:10.447+08:00Organisasi PERMAIYA 2011<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwfZTKUXWbdUx9AHTO33-PFO7vPMgH1kkdizN95X5aWwrs72G3r0Ko6IYuUL5dmqj2vAu5pfVXc6tx08tj58kRW923-b_YvvrkDDP2N-QRhl8eGXMkemSiADQU5MMKgXgzY96vzMJChOFk/s1600/nabil%252Cpermaiya.jpg" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 154px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwfZTKUXWbdUx9AHTO33-PFO7vPMgH1kkdizN95X5aWwrs72G3r0Ko6IYuUL5dmqj2vAu5pfVXc6tx08tj58kRW923-b_YvvrkDDP2N-QRhl8eGXMkemSiADQU5MMKgXgzY96vzMJChOFk/s200/nabil%252Cpermaiya.jpg" alt="" id="BLOGGER_PHOTO_ID_5677375053324038754" border="0" /></a><br /><div style="text-align: center;"><br />PRESIDEN<br />MUHAMMAD NABIL BIN RAMLI<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjh0uTuzpXR2ZFUYQG68eucVPqNLjMaTIUyddIQtjDetjQYhpfgZS8IiCy8Wv9mHjeOBvlWbdSWwuGt4aCCDq9RtVke40l-UZbLiqctw-5soFu4nfTv8YOb29Mj0G54P1rE-5J21pwa15Yr/s1600/kak+bib.jpg" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 168px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjh0uTuzpXR2ZFUYQG68eucVPqNLjMaTIUyddIQtjDetjQYhpfgZS8IiCy8Wv9mHjeOBvlWbdSWwuGt4aCCDq9RtVke40l-UZbLiqctw-5soFu4nfTv8YOb29Mj0G54P1rE-5J21pwa15Yr/s200/kak+bib.jpg" alt="" id="BLOGGER_PHOTO_ID_5677375362448852450" border="0" /></a><br />TIMBALAN PRESIDEN 1<br />HABIBAH SOLEHAH BT RAMLI<br /><br />TIMBALAN PRESIDEN 2<br />ABDUL RAHMAN BIN RAZALI<br /><br />SETIAUSAHA</div><div style="text-align: center;">SARMI BIN ABU HANIFAH</div><div style="text-align: center;"><br /></div><div style="text-align: center;">TIMBALAN SETIAUSAHA<br />SILMI BINTI MUHAMMED RADZI<br /><br /></div><div style="text-align: center;">BENDAHARI</div><div style="text-align: center;">CHE WAN NABILA BINTI CHE WAN MOHD AMIL<br /><br /></div><div style="text-align: center;">TIMBALAN BENDAHARI<br />MUHAMMAD AMIRUL AIZAT BIN JAMALUDDIN<br /><br />BIRO AKADEMIK<br />MOHD AFIFI BIN MOHD AZHAN<br />NORANISSA BINTI REDZUAN<br /><br />BIRO SUKAN<br />MUHAMMAD AFIF BIN RASHIMI ZAIN<br />NUR ATIRAH BINTI JAMILUS<br /><br />BIRO PENGANGKUTAN<br />NURUL HAMIZAH BINTI MOHD ZAID<br />SHEIKH HASRIL HAFIZUL BIN SHEIKH HASSAN<br /><br />BIRO KEROHANIAN<br />MUHAMMAD RAFIQ BIN MAHADI<br />NUR NADRAH BINTI AZAMI<br /><br />BIRO KEBAJIKAN<br />NURUL SYAKILLA BT OTHMAN<br />HUSNI ABRAR BIN DAHARI<br /><br />BIRO DISIPLIN<br />TENGKU TAUFIQULLAH BIN TENGKU ABD MUTALIB<br />TENGKU FARHAH BIN TENGKU ABD RASHID<br /><br /><table border="0" cellpadding="0" cellspacing="0" width="309"><colgroup><col width="309"></colgroup><tbody><tr height="19"> <td style="height:14.4pt;width:232pt" height="19" width="309"><br /></td> </tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="309"><colgroup><col width="309"></colgroup><tbody><tr height="19"> <td style="height:14.4pt;width:232pt" height="19" width="309"><br /></td> </tr></tbody></table></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-55136439591446493832011-10-08T00:52:00.012+08:002011-10-11T20:38:37.026+08:00Bajet Negara 2012<p style="font-family: verdana; text-align: center; color: rgb(255, 255, 102);font-family:verdana;"><span style="color: rgb(102, 51, 102);font-size:130%;" ><span style="color: rgb(51, 51, 51);">Kupasan Bajet Negara 2012</span><br /></span></p><p style="font-family: verdana; text-align: center; color: rgb(255, 255, 255);font-family:verdana;"><span style="color: rgb(255, 255, 102);font-size:130%;" >Merujuk </span><span style="color: rgb(255, 255, 102);font-size:130%;" >industri kewangan Islam</span><span style="color: rgb(102, 51, 102);font-size:130%;" ><span style="color: rgb(255, 255, 102);"> pula, ia telah berkembang pesat sejak sedekad lalu yakni 22 peratus kepada jumlah keseluruhan aset kewangan berbanding 6.9 peratus pada tahun 2000. Industri kewangan Islam menyumbang 11 peratus kepada jumlah pekerjaan sektor kewangan negara. </span><span style="color: rgb(255, 255, 102);">Sektor perbankan Islam dan takaful</span><span style="color: rgb(255, 255, 102);"> terus mencatatkan pertumbuhan dua digit dalam tempoh lima tahun yang lepas.</span></span></p><div style="text-align: center; font-family: verdana; color: rgb(255, 255, 102);font-family:courier new;"><span style="color: rgb(102, 51, 102); font-size:130%;" > </span></div><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;">Pasaran sukuk Malaysia juga terus menjadi <span>pasaran bon Islam terbesar di dunia</span> mewakili dua per tiga daripada sukuk terkumpul global. Kita juga menjadi perintis dalam mencipta produk kewangan Islam berinovatif. Pada tahun ini, kita berjaya menerbitkan Sukuk Global Wakala pertama di dunia bernilai dua bilion dolar Amerika dengan lebihan langganan 4.5 kali ganda.<br /></span></p><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;"><br /></span></p><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;">Hakikat ini menjadi bukti meningkatnya keyakinan pelabur terhadap ekonomi negara dan penerimaan dunia terhadap <span>produk kewangan Islam terbitan Malaysia.</span><br /></span></p><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;">Lantaran itu, bagi terus menggalakkan penerbitan sukuk yang menggunakan struktur wakala, potongan cukai diberi bagi tempoh tiga tahun ke atas perbelanjaan penerbitan <span> sukuk wakala</span> mulai tahun taksiran 2012. Manakala, pengecualian cukai pendapatan ke atas penerbitan dan urus niaga sukuk bukan ringgit dilanjutkan lagi selama tiga tahun sehingga taksiran 2014.</span></p><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;"><br /></span></p><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;">Barisan Nasional sudah sejak sekian lama mengamalkan konsep negara berkebajikan? Tidakkah berkebajikan kerajaan Barisan Nasional kini, apabila:</span> </p><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;"><span style="color: rgb(0, 0, 153);">Pertama:</span> Bagi setiap kilogram <span>beras super tempatan,</span> harga asal 2 ringgit 40 sen, rakyat hanya bayar 1 ringgit 80 sen. Subsidi Kerajaan berjumlah 60 sen atau 25 peratus dari harga sebenar;</span></p><div face="courier new" style="text-align: center; font-family: verdana; color: rgb(255, 255, 102);"> </div><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;"><span style="color: rgb(0, 0, 153);">Kedua:</span> Bagi setiap kilogram <span>gula</span>, harga asal 2 ringgit 50 sen, rakyat hanya bayar 2 ringgit 30 sen. Subsidi Kerajaan berjumlah 20 sen atau 8 peratus dari harga sebenar;</span></p><div face="courier new" style="text-align: center; font-family: verdana; color: rgb(255, 255, 102);"> </div><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;"><span style="color: rgb(0, 0, 153);">Ketiga:</span> Bagi setiap kilogram <span>minyak masak,</span> harga asal 4 ringgit 75 sen, rakyat hanya bayar 2 ringgit 50 sen. Subsidi Kerajaan berjumlah 2 ringgit 25 sen atau 47 peratus dari harga sebenar; dan</span></p><div face="courier new" style="text-align: center; font-family: verdana; color: rgb(255, 255, 102);"> </div><p style="color: rgb(255, 255, 102); font-family: verdana; text-align: center;font-family:verdana;"><span style="font-size:130%;"><span style="color: rgb(0, 0, 153);">Keempat:</span> Bagi setiap kilogram<span> tepung gandum</span>, harga asal 1 ringgit 90 sen, rakyat hanya bayar 1 ringgit 35 sen. Subsidi Kerajaan berjumlah 55 sen atau 29 peratus dari harga sebenar.</span></p><div style="text-align: center; color: rgb(255, 255, 102);font-family:verdana;"><span style="color: rgb(255, 255, 102);font-size:130%;" > Kesimpulannya, keseluruhan subsidi bahan makanan asas ini menelan belanja 2.3 bilion ringgit dan dinikmati oleh seluruh rakyat Malaysia tanpa mengira kaya atau miskin, bandar atau luar bandar.</span><span style="font-size:130%;"><br /><br /><br /></span><span style="color: rgb(255, 255, 102);font-size:130%;" >Sesungguhnya, bersesuaian dengan <span>surah al-Hasyr ayat 7</span> yang menyeru “agar harta tidak hanya berlingkar dikalangan orang-orang berada antara kamu”, maka tidak syak lagi, Bajet yang baru saya bentangkan ini mendakap segenap taraf sosioekonomi rakyat. Ia tidak meninggalkan yang berpendapatan rendah, sekalipun menengah atau tinggi, dan tidak pula meminggir mereka yang di bandar waima di desa.</span></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-65894199128128293252011-09-26T13:51:00.004+08:002011-10-01T17:49:44.591+08:00Assalamualaikum... insyallah sedikit perkongsian pada hari ini berkenaan dengan <span class="Apple-style-span" style="color: rgb(53, 53, 53); font-size: 13px; line-height: 22px; background-color: rgb(255, 255, 255); "><span class="Apple-style-span" style="font-family: impact, chicago; ">Perbankan Islam Zalim Kerana Mahal?</span><p align="center" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Oleh</span></p><p align="center" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Zaharuddin Abd Rahman</span></p><p align="center" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><a href="http://zaharuddin.net/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(217, 102, 33); text-decoration: none; background-position: initial initial; background-repeat: initial initial; ">www.zaharuddin.net</a></span> </p><p align="center" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">( Artikel ini telah disiar dahulu di bulan februari yang lalu, ia disiar semula kerana masih banyak persoalan berkaitannya)</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Saya telah menjelaskan beberapa proses mengawal selia dan mematuhi Shariah di bank-bank Islam di dalam bab yang lepas. Bagaimanapun, saya tidak menafikan masih terdapat kemungkinan bank-bank Islam diseluruh dunia ataupun jendala perbankan Islam di bank konvensional yang tidak memberi perhatian sewajarnya terhadap proses itu. Justeru itu, menjadi tanggungjawab anggota majlis pengawasan Shariah setiap bank bagi bersikap lebih tegas, proaktif dan bersungguh-sungguh terhadap operasi bank yang diselia mereka.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Masih segar di ingatan saya, pemuda mendekati saya lalu bertanya dengan soalan yang popular didengari.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">" Mengapa bank Islam lebih mahal daripada yang riba? "dan saya bertanya apakah yang menyebabkan ia membuat kesimpulan seperti itu.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Lalu dengan tegas si pemuda ini menjawab: "Sebagai contoh. "katanya dengan yakin, "Ibu saya mengatakan membiayai perumahan bank Islam jauh lebih tinggi daripada perbankan konvensional, apa pandangan ustaz? "katanya sambil membulatkan matanya ke arah saya.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Saya bertanya kembali. "Bagaimana cara ibu saudara mengira sehingga dapat jumlah itu? "kata saya, "Adakah saudara tahu berapa kadar keuntungan yang dikenakan oleh bank Islam dan berapa pula, yang dikenakan oleh Konvensional?" tanya saya lagi.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Pemuda itu menjawab: "Bank Islam ini mengenakan kadar 7.60% setahun bagi tahun ke- tiga sehingga tiga puluh, manakala bank konvensional hanya mengenakan 6.75%, tambahan pula, bank Islam kena bayar RM1050 sebulan, bank konvensional hanya RM850 sahaja" katanya memberi contoh dengan yakin.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Teknik yang Tidak Disedari</strong></span></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ini antara bentuk kekeliruan yang menjalar kalangan orang ramai yang ingin menggunakan perkhidmatan perbankan Islam di ketika ini.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Mereka tidak dapat memahami cara kiraan yang betul menyebabkan mereka membuat keputusan dan kesimpulan yang salah. Bayangkan, perbankan Islam hanya mengenakan 7.60% (tahun ke-3 sehingga 30 sebagai contoh), ini bermakna kadar ini tidak akan bergerak hinggalah 30 tahun itu, bukankah bank Islam menanggung risiko yang besar?</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Manakala apabila dilihat kepada pinjaman perumahan oleh produk konvensional, hampir kesemuanya memukau pelanggan dengan kadar rendah di tahun pertama, tetapi bagi tahun berikutnya kadarnya tidak dapat diketahui oleh pelanggan kerana ia bergantung kepada kadar peratusan BLR (Base Lending Rate ) atau Kadar Pinjaman Asas yang tidak tetap serta dicampur dengan 0.25% sebagai contoh.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; 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font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; 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background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; 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margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; 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background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; 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margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; 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margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; 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background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bagaimana apabila peratusan BLR melambung tinggi seperti 10% seperti yang berlaku ketika krisis ekonomi? Bukankah ketika itu, kadar interest yang perlu dibayar oleh pelanggan juga amat tinggi. Ini tidak akan berlaku dalam pengamalan bank Islam kerana di awal kontrak lagi menetapkan harga jualannya, tanpa terikat dengan BLR dan tidak akan naik malah mungkin boleh turun sekiranya bank Islam bermurah hati memberikan rebate (ibra') apabila pihak pelanggan ingin membuat penyelesaian hutang awal ‘early settlement'. Perlu dingat BLR naik beberapa kali sepanjang tahun lepas dan tahun ini dari 6% sehingga 6.75%. Ia juga boleh melonjak lagi mengikut keadaan ekonomi.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><div style="font-family: Arial, Helvetica, sans-serif; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; text-align: center; "><img src="http://zaharuddin.net/images/stories/blrnew.jpg" alt="sila fahamkan" width="629" height="397" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; width: 629px; height: 397px; background-position: initial initial; background-repeat: initial initial; " /></div><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ini bermakna, kenyataan yang menyebut perbankan Islam mengenakan kadar yang lebih tinggi bagi dibayar oleh pelanggan adalah kenyataan yang kurang tepat dan boleh dipertikai.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Malah apabila dilihat kepada kadar membiayai yang dikenakan oleh perbankan Islam bagi produk-produk membiayai perniagaan juga membuktikan kadar adalah setara seperti ditawarkan oleh bank konvensional malah lebih murah dalam banyak keadaan. Hal ini sukar didedahkan kerana kadar membiayai syarikat berubah-ubah bergantung kepada tiga hal terpenting:</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><ul style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; list-style-type: none; list-style-position: initial; list-style-image: initial; "><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 5px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 30px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: url(http://zaharuddin.net/templates/ja_anion/core/themes/light-red/images/bullet.png); background-attachment: scroll; background-origin: initial; background-clip: initial; background-color: initial; line-height: 20px; overflow-x: hidden; overflow-y: hidden; background-position: 20px 7px; background-repeat: no-repeat no-repeat; "><div align="justify" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">a) Kadar mengurus minima (cost of fund ) bank islam itu.</span></div></li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 5px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 30px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: url(http://zaharuddin.net/templates/ja_anion/core/themes/light-red/images/bullet.png); background-attachment: scroll; background-origin: initial; background-clip: initial; background-color: initial; line-height: 20px; overflow-x: hidden; overflow-y: hidden; background-position: 20px 7px; background-repeat: no-repeat no-repeat; "><div align="justify" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">b) Prestasi dan kekuatan organisasi yang memohon pembiayaan.</span></div></li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 5px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 30px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: url(http://zaharuddin.net/templates/ja_anion/core/themes/light-red/images/bullet.png); background-attachment: scroll; background-origin: initial; background-clip: initial; background-color: initial; line-height: 20px; overflow-x: hidden; overflow-y: hidden; background-position: 20px 7px; background-repeat: no-repeat no-repeat; "><div align="justify" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">c) Potensi and risiko perniagaan yang ingin diceburi.</span></div></li></ul><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Semua yang disebut di atas mempengaruhi kadar yang dikenakan kepada pemohon. Saya sedar, walaupun saya menerangkan fakta di atas terdapat orang ramai yang mula menyebut:</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Zalim?</strong></span></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">"Jadi mengapa hanya setanding dengan konvensional? Kami ingin kamu menjadi lebih murah."</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">"Bukankah bank Islam ini patutnya 'maqasid' (objektif Shariah) adalah membantu umat Islam, lalu kenapa mahal? " tanya pelajar sarjana IPTA kepada saya.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ketika itu, saya memberikan ceramah khas berkenaan produk perbankan Islam di sana, turut hadir adalah ketua jabatan fakulti Shariahnya. Lalu saya melihat kepada professor itu dan bertanya.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">"Professor, berapakah yuran yang dikenakan apabila saya ingin mengambil PhD dalam bidang Fiqh Islam dan Perbankan Islam."</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">"Lebih kurang RM13,000" katanya.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">"Mengapa begitu tinggi Professor, kenapa tidak yurannya hanya RM 2000 sahaja?" tanya saya menguji.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">"Mana boleh, macam mana nak bayar gaji pensyarah kalau begitu" tegas Professor tersebut.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Demikian dapat saya simpulkan hal di perbankan Islam juga, harga yang ditawarkan adalah menurut kemampuan dan keperluan pasaran. Perlu difahami Islam menjaga hak penjual dan pembeli secara adil. Bukan hanya hak pembeli sahaja yang perlu dijaga.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Adalah dikira kezaliman pada kita sebenarnya, apabila kita mengutuk kedai nasi lemak seorang islam kerana menjual nasi lemak dengan harga RM2.00, dalam keadaan kedai bukan Islam menjual pada harga yang sama ataupun lebih murah sedikit. Padahal, si Muslim menjual dengan kadar harga yang ia mampu tawarkan dan halal.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jual 2 Kali Ganda Harga Modal Tidak Zalim?</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ada yang merungut dengan mengatakan bahawa bank-bank Islam zalim kerana harga aset yang dijualnya kepada pelanggan adalah dengan 100% keuntungan nescaya ia haram?.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jawapan saya, tidak sama sekali, selagi ia diterima oleh harga pasaran. Buktinya adalah dari hadith Nabi SAW :-</span></p><span style="font-family: Arial, Helvetica, sans-serif; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><p dir="rtl" align="center" style="margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">أن النبي -صلي الله عليه وسلم- أعطاه دينارًا يشتري له به شاة، فاشتري له به شاتين، فباع إحداهما بدينار، فجاء بدينار وشاة فدعا له بالبركة في بيعه، وكان لو اشتري التراب لربح فيه</span></p><p dir="ltr" align="justify" style="margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ertinya : Sesungguhnya Nabi SAW memberi 'Urwah satu dinar untuk membeli seekor kambing, maka (atas kebijaksanaannya) dapat dibelinya dua ekor kambing, lalu dijualnya seekor dengan harga satu dinar, lalu ia dating bertemu Nabi membawa satu dinar dan seekor kambing, maka Nabi terus mendoakannya dalam jualannya, yang jika ia membeli tanah sekalipun pasti ia akan mendapat untung" ( Riwayat Al-Bukhari, no 3642 )</em></span></p><p dir="ltr" align="justify" style="margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p dir="ltr" align="justify" style="margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Hadith ini menunjukkan bagaimana sahabat membeli dua ekor kambing dengan harga satu dinar, bermakna 1/2 dinar seekor, dan kemudian menjualnya degan harga 100% keuntungan iaitu 1 dinar seekor. Transaksi ini diiktiraf oleh nabi malah dipuji dan didoakannya.</span></p><p dir="ltr" align="justify" style="margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p dir="ltr" align="justify" style="margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Justeru, tindakan bank-bank Islam yang menjual rumah atau asset kepada pelanggan yang dibelinya dengan harga 100 % lebih dari harga asal adalah halal selagi mana pasaran dapat menerimanya.</span></p></span><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Kunci Memahami</span></strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bagi mendapatkan penjelasan lanjut berkenaan hal ini pembaca perlu memahami fakta berikut :-</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">a) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bank-bank Islam adalah merupakan syarikat-syarikat berlesen dan berdaftar yang juga mensasarkan keuntungan supaya organisasi maju ke hadapan</strong>. Bagi mencapai sasaran itu, perbankan Islam menawarkan khidmat kewangan menurut Islam melalui produk-produknya yang diiktiraf Shariah. Ia bukannya badan kebajikan yang menawarkan khidmat secara percuma.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">b) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bank-bank Islam juga mempunyai pelabur-pelabur yang mengharapkan pulangan yang baik hasil pelaburannya, dan ia bukannya wang subsidi yang diberi secara percuma</strong>. Saya yakin, apabila anda menjadi salah seorang daripada pemegang saham utama di bank Islam, adakah anda dengan mudah merelakan keuntungan yang diraih berkurangan semata-mata kerana ingin membantu umat Islam?. Jawabnya, ia tertakluk kepada iman pemegang saham itu. Hasilnya, apabila anda merungut ianya mahal, berusahalah supaya anda menjadi salah seorang pemegang saham dan mampu rendahkan harga bank yang anda miliki. Ini amat terpuji dan yang amat saya galakkan secara peribadi.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">c) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bank-bank Islam juga mempunyai para kakitangan yang perlu di bayar gaji selaras dengan nilai pasaran</strong>. Keuntungan adalah amat penting bagi menjamin kakitangan yang berkualiti dapat dikekalkan bagi mengurus bank secara efektif dan kompetetif.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">d) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bank-bank Islam juga perlu membayar kos operasi bangunannya dan peralatan-peralatannya</strong>. Justeru itu, apabila khidmat yang ditawarkan adalah percuma dan amat murah, bagaimana mungkin sebuah bank Islam mampu terus berkembang.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Selepas memahami empat fakta di atas, cuba fahami fakta berikut pula:</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">a) Apabila anda mengatakan, perbankan Islam sepatutnya sentiasa lebih murah berbanding konvensional kerana ia membantu orang ramai terutamanya orang Islam. <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Anda perlu menyedari kebajikan dan kepentingan bank juga perlu dijaga supaya mampu terus menerus membantu segenap lapisan masyarakat</strong>. Nabi tidak membenarkan kawalan harga dibuat oleh kerajaan pada masa yang tidak terdesak. Nabi juga menolak permintaan sahabat baginda untuk melakukan 'ceilin' harga di ketika pasaran tidak diserapi unsur zalim oleh peniaga. Sebagaimana respon dan jawapan nabi SAW kepada sahabat baginda :</span></p><p align="center" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 11pt; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font-family: 'DecoType Naskh'; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 14px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 14px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">بل الله يخفض ويرفع , وإني لأرجو أن ألقى الله وليس أحد منكم يطالبني بمظلمة في دم أو مال </span> </span></span> </span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ertinya : Bahkan Allah SWT adalah yang menaik dan menurunkan harga, dan sesungguhnya akhu berharap untuk bertemu Allah dan tiada seorang pun dari kalangan kamu menuntut dariku akibat sebarang kezaliman ( yang aku lakukan) samada berkaitan darah atau harta" ( Riwayat Abu Daud ; hlm 385 ; Al-Bayhaqi, 6/29 ; Sohih menurut Albani)</em></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ia adalah kerana Nabi tidak mahu menghadkan hak peniaga bagi mendapat keuntungan. Justeru itu, selagi mana ruang keuntungan masih berada di paras pasaran adalah dibenarkan. </span><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><a name="_ftnref1" href="http://zaharuddin.net/mambots/editors/mostlyce/jscripts/tiny_mce/plugins/paste/blank.htm#_ftn1" title="_ftnref1" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(217, 102, 33); text-decoration: none; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">[1]</span></a></span><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">b) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Apabila anda mengatakan, perbankan Islam sepatutnya membantu orang-orang yang susah dan bukan semakin menyukarkan mereka. Maka anda perlu memahami apabila bank Islam itu memperolehi keuntungan, ia akan mengeluarkan zakat </strong>bagi asnaf (kumpulan) yang layak menurut Shariah. Malah selain itu, bank-bank Islam juga mempunyai peruntukan sumbangan kebajikan yang diberikan menurut keadaan. Bukankah itu juga membantu individu yang susah dan memerlukan.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ini jelas, kerana orang yang benar-benar susah tidak akan mampu mendekati bank dan mengajukan permohonan. Maka sesiapa yang diluluskan permohonannya oleh bank-bank Islam sebenarnya adalah orang yang agak senang. Justeru itu, bukankah amat baik apabila zakat yang dikeluarkan oleh bank disalurkan kepada orang yang benar-benar susah berbanding yang sederhana susah. Kita perlu mengetahui jumlah peruntukan zakat yang sediakan oleh bank-bank Islam dan jendela "windows" perbankan Islam bagi tahun kewangan 2005 sebagai contoh adalah seperti berikut: RHB ISLAMIC Bank: RM920 ribu, HSBC Amanah: RM49 ribu, Maybank "Islamic windows": RM1.172 juta ; Public Bank "Islamic windows": RM55 ribu, Hong Leong Islamic: RM45 ribu. Merujuk kepada laporan setiap bank berkenaan bagi tahun kewangan 2005. Bukankah ini benar-benar membantu orang yang susah sebagaimana yang diinginkan?</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">c) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Keuntungan baik yang diperolehi bank-bank Islam juga membolehkan bank ini meluaskan lagi jangkauan operasinya, selain memantapkan lagi keuntungan akan datangnya</strong>. Ia adalah amat baik kerana bakal menghasilkan lebih banyak peluang kerjaya baru bagi individu Muslim di perbankan konvensional yang ingin berhijrah ke perbankan Islam, ia juga mewujudkan banyak peluang pekerjaan buat rakyat sekaligus membantu mereka. Malangnya, ramai yang suka menyempitkan fikiran mereka dengan hanya melihat kepada kadar-kadar membiayai sahaja.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">d) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Adakah anda menyedari? Apabila bank mendapat keuntungan yang baik, maka ia juga menghasilkan kadar pulangan yang tinggi bagi penyimpan-penyimpan di akaun Islam sebagai contoh Akaun Mudharabah</strong>. Individu yang menyimpan akan mendapat pulangan yang lebih besar. Demikian juga penyimpan yang menyimpan dalam Akaun Simpanan Wadiah. Mereka juga berpeluang mendapat pulangan ‘hibah' yang menarik. Ia juga satu lagi bentuk bantuan tetapi tidak disedari oleh orang yang merungut ini.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Adakah fakta ini mencukupi? Saya akan memberi jawapan memahamkan rakyat Malaysia.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">1) </strong><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Nilai yang halal adalah tidak ternilai.</strong></span></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Seorang usahawan Malaysia memberitahu saya pengalamannya di London, harga ayam yang disembelih jauh lebih mahal daripada ayam yang tidak disembelih. Bagaimanapun, umat Islam tetap terpaksa membeli ayam yang mahal tadi demi memastikan makanannya halal walaupun ia lebih mahal.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bagaimana apabila individu mengatakan produk bank Islam lebih mahal. Majlis Penasihat Shariah masing-masing mengesahkan produk yang halal berbanding produk-produk yang tidak disahkan Shariah.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Fenomena yang agak ganjil berlaku hari ini adalah orang Islam mengambil berat makanan yang dicampur dengan ayam tidak sembelih dan sebagainya, tetapi sering melupakan riba diharamkan. Ia adalah jauh lebih berat daripada memakan ayam bangkai ataupun khinzir.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Allah SWT berfirman :-</span></p><p align="center" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">الْمَالُ وَالْبَنُونَ زِينَةُ الْحَيَاةِ الدُّنْيَا وَالْبَاقِيَاتُ الصَّالِحَاتُ خَيْرٌ عِندَ رَبِّكَ ثَوَابًا وَخَيْرٌ أَمَلًا</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ertinya : Harta</strong> dan anak-anak adalah perhiasan kehidupan dunia tetapi amalan-amalan yang kekal lagi saleh adalah lebih baik pahalanya di sisi Tuhanmu serta lebih baik untuk menjadi harapan" ( Al-Kahfi : 46 ) </em> </span></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ayat surah Kahfi menurut Syeikh Ibn Asyur mengingattkan kita betapa perlunya kita menyedari amal soleh dan keberkatan adalah lebih perlu diutamakan dari harta banyak tanpa halal. Jadi dalam konteks ini, walaupun anda mendapat harga rendah di bank konvensional. ia bukanlah amal soleh kerana ia adalah Riba yang haram. </span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Malangnya umat Islam, bila bercerita berkenaan perbankan Islam yang halal, yang paling disibukkan adalah kadarnya yang lebih mahal dari konvensional kononnya. Tidak terlihat langsung elemen HALAL dan HARAM dalam mindanya. Padahal, menggagahkan diri menggunakan perbankan Islam walaupun sedikit lebih mahal merupakan satu amal soleh yang amat terpuji dan itulah yang dilihat oleh Allah SWT sebagaimana yang dinyatakan dalam ayat di atas.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ini lah bukti, umat Islam sudah semakin hilang sensitiviti kepada alam barzakh dan akhiratnya. Padahal, tiada yang lebih zalim dari bank yang menyediakan perkhidmatan haram Riba, semurah manapun mereka. Kerana ia tetapi haram dan amat zalim menurut hak Allah SWT.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">2) </strong><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Kos</strong><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "> tambahan bagi khidmat profesional pengesahan Shariah.</strong></span></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Apabila dilihat daripada perspektif perniagaan dan logik pula. Pengesahan Shariah amat diperlukan dalam semua produk, aktiviti pelaburan dan pembiayaan bank Islam. Justeru itu, keadaan ini dianggap sebagai satu proses menambah piawaian profesional yang pastinya memerlukan kos masa, tenaga dan kepakaran tambahan. Keadaan ini sekali lagi menyebabkan semua produk yang ditawarkan bank Islam adalah unik, istimewa dan melalui proses ‘Shariah Screening', yang lebih unik dan berkualti mempunyai nilai pasaran yang sedikit berbeza.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "> </span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">3) <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bank-bank Islam adalah pemain-pemain kecil yang sedang meningkat naik</strong>.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ini ternyata daripada statistik yang dikeluarkan oleh Laporan bank Negara Malaysia Tahun 2005 melaporkan aset semua bank-bank Islam dan jendela perbankan Islam di Malaysia sebanyak RM111.8 billion dan ia hanya merupakan 11.6% daripada keseluruhan aset bank di Malaysia. Ini bermakna, bank konvensional masih menguasai industri perbankan dengan cukup jauh sekali. Bagaimanapun, kita bersyukur kerana prestasi perbankan Islam mencatatkan pertumbuhan sebanyak 17.7% berbanding tahun 2004.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><u style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jumlah Keseluruhan Asset Bank di Malaysia</strong> <strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Menurut Ranking Pada 30 Jun 06</strong></u></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Maybank : RM 224 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">CIMB Group : RM 154 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Public Bank : RM 135 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">RHB Capital : RM 96 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">AMMB Holdings : RM 72 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Hong Leong : RM 61 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">EON Capital : RM 38 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Affin Holdings : RM 35 Billion</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bank Islam Malaysia Berhad : RM 18 Billion</strong></span><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "> </span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Sumber : NST, 26 Nov 06</em> </span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Maka, sebagai pemain-pemain kecil yang sedang naik, kadangkala harga yang ditawarkan mungkin lebih tinggi sedikit berbanding pemain-pemain besar. Ia dianggap seperti harga barangan yang ditawarkan di kedai runcit dibandingkan dengan harga di hypermarket.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Individu memahami bank konvensional yang mempunyai aset besar sekitar RM150 billion (sebagai contoh), apabila ia menghadapi hutang tidak berbayar (non performing loan) daripada peminjamnya berjumlah RM150 juta, kedudukan bank itu masih tidak tergugat. Bagaimanapun, sekiranya bank Islam dengan asetnya berjumlah RM8 billion (seperti RHB Islamic Bank pada tahun 2006), apabila ia mempunyai jumlah nilai hutang tidak berbayar dalam jumlah yang sama (RM150 juta), sudah tentu ia akan memberikan kesan yang besar kepada jangka hayat bank Islam itu.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Kesimpulannya, bank-bank Islam serta kaunter / jendela "windows" Islam hari ini perlu diberi lebih sokongan oleh semua rakyat demi memampukan ia mencapai tahap yang di gariskan kerajaan (iaitu 20% aset perbankan Islam berbanding konvensional), malah mengatasinya. Apabila hari ini kita sanggup berkorban sedikit demi memajukan bank-bank Islam, nescaya sudah pasti generasi akan datang mampu melihat dan menikmati kadar yang sangat hebat serta halal daripada institusi kewangan Islam dan produk-produk Islam.</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Saya secara peribadi juga amat mengharapkan agar kadar pembiayaan yang dikenakan oleh Bank-bank islam boleh lebih murah dari sekarang, bagaimanapun saya tidak dapat menyembunyikan syukur saya, kewujudan mereka ini pun adalah satu nilai yang besar buat umat Islam kerana dengannya dapat kita mengelakkan pembelian rumah dan lain-lain dari terjebak dengan Riba.</strong></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Sekian</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Zaharuddin Abd Rahman</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><a href="http://zaharuddin.net/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(217, 102, 33); text-decoration: none; background-position: initial initial; background-repeat: initial initial; ">www.zaharuddin.net</a></span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Tulisan asal disiarkan pada 2006</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Diedit pada 25 Julai 2007</span></p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><div align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><hr width="33%" size="1" style="border-bottom-width: 0px; border-bottom-style: initial; border-bottom-color: initial; border-left-width: 0px; border-left-style: initial; border-left-color: initial; border-right-width: 0px; border-right-style: initial; border-right-color: initial; border-top-width: 1px; border-top-style: solid; border-top-color: rgb(221, 221, 221); height: 1px; "></span></div><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "> </p><p align="justify" style="font-family: Arial, Helvetica, sans-serif; margin-top: 10px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><a name="_ftn1" href="http://zaharuddin.net/mambots/editors/mostlyce/jscripts/tiny_mce/plugins/paste/blank.htm#_ftnref1" title="_ftn1" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(217, 102, 33); text-decoration: none; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">[1]</span></a></span><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 13px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "> Mahanij Ijtihad Fi Istinbad bi rakyi, Dr Fathi Ad-Durayni, ketika menghuraikan isu tas'ir iaitu penetapan harga oleh kerajaan </span></p></span>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-40034913713734743082011-09-24T21:18:00.002+08:002011-09-24T21:48:15.466+08:00Assalamualaikum.. Alhamdulillah.. setinggi tinggi kesyukuran dirafa'kan kepada ALLAH SWT kerana masih lagi diberi kesempatan bernafas di muka bumi ini. selawat dan salam untuk junjungan besar tercinta kita Nabi MUHAMMAD SAW. <div><br /></div><div><span class="Apple-tab-span" style="white-space:pre"> </span>Selamat kembali kepada rakan-rakan seperjuangan pelajar tahun dua dan selamat datang kepada pelajar pelajar yang baru melangkah ke alam kehidupan di IKIP .. TAHNIAH diucapkan kepada antum yang telah najah dalam imtihanikum pada semester lepas dan najah dalam kiba. kepada yang kurang berpuas hati dengan keputusan yang diperolehi, JANGAN BERSEDIH. kejayaan sentiasa di depan mata andai kita berusaha. </div><div><br /></div><div><span class="Apple-tab-span" style="white-space:pre"> </span>semoga semester ini dan semester akan datang akan menjadi baik dan lebih baik seterusnya akan membuahkan hasil yang terbaik. </div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-10797722017457616572011-07-29T20:12:00.002+08:002011-07-29T20:22:12.881+08:00Ramadhan Bakal Menjelang : Selamat Beribadat dan Semoga Beroleh Keampunan dari Ilahi.<div style="text-align: center;"><br /></div><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal;mso-outline-level:3"><span class="Apple-style-span" style="color: rgb(51, 51, 51); font-family: Arial, sans-serif; font-size: 12px; line-height: 25px; "><br /></span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal;mso-outline-level:3"><span class="Apple-style-span" style="color: rgb(51, 51, 51); font-family: Arial, sans-serif; font-size: 12px; line-height: 25px; ">Assalamualaikum semua.. Beberapa hari lagi kita akan menyambut ketibaan bulan R</span></p><p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;line-height: normal;mso-outline-level:3"><span class="Apple-style-span" style="color: rgb(51, 51, 51); font-family: Arial, sans-serif; font-size: 12px; line-height: 25px; ">amadhan, bulan yang paling dinanti-nantikan oleh seluruh umat Islam di serata dunia (tak tahu la pulak kalau ada yang tak perasan bulan puasa dah nak dekat ni! ).</span></p><p class="MsoNormal" style="margin-bottom:12.0pt;line-height:19.2pt"> <span style="font-size:9.0pt;mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#333333;mso-fareast-language: EN-MY">Dalam banyak-banyak bulan, bulan Ramadhan ialah bulan suci yang telah dipilih oleh Allah untuk melimpahkan kepada semua hambaNya dengan rahmat dan kasih sayang. Tak lupa juga dibuka pintu-pintu Syurga, ditutupi pintu-pintu Neraka, dan dilebarkan pintu kemaafan dari Yang Maha Esa.</span></p><p class="MsoNormal" style="margin-bottom:12.0pt;line-height:19.2pt"><span style="font-size:9.0pt;mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#333333;mso-fareast-language: EN-MY"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxYkXbNk2a6V9Sdck9Hz1jcMqsRchMBvoWvmp2fzrJcjvZHEX7cvhNGt0BqZf1wvO2DobEHlUKveXYy4PM5uK2yNvpcWUUxuCaL6m5H7nEXiPkwmHrBUce079kNtakxcLTaDtD9UIxUZdz/s400/ramadhan.jpg" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 300px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5634748292346427858" /></span></p><p class="MsoNormal" style="margin-bottom:12.0pt;line-height:19.2pt"><span class="Apple-style-span" style="color: rgb(51, 51, 51); font-family: Arial, sans-serif; font-size: 12px; ">Terasa hiba bila Ramadhan kini menjelang, bukan kerana teringatkan kamp</span><span class="Apple-style-span" style="color: rgb(51, 51, 51); font-family: Arial, sans-serif; font-size: 12px; ">ung halaman y</span><span class="Apple-style-span" style="color: rgb(51, 51, 51); font-family: Arial, sans-serif; font-size: 12px; ">ang belum dijengah, bukan kerana teringatkan sanak-saudara yang masih ada mahupun yang telah pergi, tetapi menginsafi diri, rohani jasmani, adakah ini Ramadhan kita yang terakhir? <span style="mso-spacerun:yes"> </span>Andainya YA, disusun 10 jari memohon ampun maaf dari anda semua, semoga kita bertemu lagi di Ramadhan tahun depan jika diizinkan Tuhan, InsyaAllah.</span></p><p class="MsoNormal" style="margin-bottom:9.0pt;line-height:19.2pt"><span><br /></span><span style="font-size:9.0pt;mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#333333;mso-fareast-language: EN-MY">Dengan <b>30</b> juzuk dari kalamullah Al-Kitab sebagai pemimpin hati, semoga kita semua menjadi insan kamil, yang memberi manfaat kepada anak watan, agama dan tanah air. Bulan keberkatan bulan keampunan buat semua, moga-moga kita tergolong dalam kalangan 'kumpulan yang sedikit'. Kerana yang menerima keampunan, redha, dan SYURGA dari Allah tidak ramai jumlahnya, sangat sedikit. Andai kita dalam golongan yang 'sedikit' itu, maka kita beroleh keberuntungan di akhirat kelak.<o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:9.0pt;line-height:19.2pt"><span style="font-size:9.0pt;mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#333333;mso-fareast-language: EN-MY">Selamat menyambut Ramadhan al-mubarak..</span><span style="font-size: 9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#333333;mso-fareast-language:EN-MY"><o:p></o:p></span></p>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-82702768618091051472011-06-23T11:17:00.020+08:002011-07-29T20:36:24.279+08:00Organisasi Permaiya sesi 2010 / 2011<div style="text-align: center;"><b><span class="Apple-style-span" ><br /></span></b></div><p class="MsoListParagraphCxSpFirst" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><u><span lang="EN-US" ><b>MAJLIS TERTINGGI</b></span></u></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" style="font-size: 12pt; " ><b>Presiden<span class="Apple-style-span" ><o:p></o:p></span></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" style="font-size: 12pt; " ><b><br /></b></span></p><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKHd7CnUdAdggvPS5Diqd16N3i_PvRvNy44adUDgNhMaxpG1-zUYm2aecb-rLn3ZuGDuzF1Kowso1ixQU42RD5imBtBL7fve73Z8gIzkzsIltN_ng1R7R6E6O7JvJhLIW3ZFZRPK_J-zfo/s400/9062887_1308765713.png" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 82px; height: 82px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5621249374071125810" /><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Muhammad Syakir Bin Ishak<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom: 0.0001pt; text-align: center; "><span class="Apple-style-span" ><b>__________________________</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_2" spid="_x0000_i1040" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible;mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image002.png" title="9062887_1308764980"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Timb. Presiden I<span class="Apple-style-span" ><o:p></o:p></span></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-WygjFzFzeQD4ttyxr6qXEbQCthl7mXfEj1DGyl3FANBO1nSoTLJon7T0lijMUCAWUp0eRtJwmPoM1KcLNwxnF3s_-HMubW8rMrGhNxxX6mRti6qOG9t5VFwQJ1kKR4JMm6s3AbXSma7k/s400/9062887_1308764980.png" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 82px; height: 82px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5621249651285543250" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Norfarhana Binti Mohamad Nasir<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>_______________________________</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_3" spid="_x0000_i1039" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible;mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" title="9062887_1308772726"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Timb. Presiden II<span class="Apple-style-span" ><o:p></o:p></span></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgP0iBpRbGGCI5hQoXHKupe_jU8umoe70KIdTbdZwIdwUkKuJMh7g1L2MNv5eNazEOXoiDpYIvErcRSdwZ2r4CHQL9TG8UjDCOcTm6MmBOP0MpGQ-_6x10wLzkhsN-LDk3H5X8vksl7VGlZ/s400/9062887_1308772726.png" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 82px; height: 82px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5621250000959783394" /><br /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Muhammad Rafiq Bin Mahadi<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>_______________________________</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_4" spid="_x0000_i1038" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" title="9062887_1308764474"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Setiausaha<span class="Apple-style-span" ><o:p></o:p></span></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrZwDh3VFpB7uC2gIyDpPjSJ5iUSdRHoROEJsSrk1nM554T62tTC2F-GbpXkTE6ysXTcd7o4Vsm93yF4tjlk4bbjOgFr5lPNijSurhdrSTiTDscCjK4NHJn41JoBIvwQxtlEu76qT_sVdT/s400/9062887_1308764474.png" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 82px; height: 82px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5621250313026125826" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Muhammad Alif Bin Muhamed<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>_____________________________</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_5" spid="_x0000_i1037" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible;mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image005.png" title="9062887_1308770525"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Timb. Setiausaha<span class="Apple-style-span" ><o:p></o:p></span></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicGh_VORoZsqz5FIenIU8RqlhuJAd7pOyUKH1cFhAwz5f86rdAQpFSoP4OTgF_Q6Rk7th_3bPTF-BP27S3lPtMcYkVkOY4yPZhCuqUTbTm2WCkfvlMemhWegH6FR3LGACgmwnkoHE2i6Xe/s400/9062887_1308770525.png" /></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Che Wan Nabilah Binti Che Wan Mohd Amil<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>___________________________________</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_6" spid="_x0000_i1036" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image006.png" title="9062887_1308763888"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Bendahari<span class="Apple-style-span" ><o:p></o:p></span></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHFrySVT-lJkJ5J8arhvKcpw_zNDgU0oPnIE3xvP8qVI4NtA1IpHQXA2zMnMeGGJ0HtNVfn4AjDT8WQf2x27V3C7lcVf-hH6oZTgL4aZWcDGKS2yYVn2Hpzlx8lw1T-NeUSY79V2-aYuU5/s400/9062887_1308763888.png" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Nurul Husna Binti Ahmad Nizar<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>________________________________</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_7" spid="_x0000_i1035" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible;mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image007.png" title="9062887_1308770318"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Timb.Bendahari<span class="Apple-style-span" ><o:p></o:p></span></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIHo0_h2G_2e_5jyXfdQy-drWMa0fmwt-hyHmUvfpB6Dk0DmHL1EulPcySl8HqQki6DAhuEgHbzAbskzLy0FWxIzfBlOeMUoKaK7SMYWp7p25fbgHreIvDI6wCH1p1D62-2icY-0zP4Igx/s400/9062887_1308770318.png" /></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Sarmi Bin Abu Hanifah<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>_______________________________</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><u><span lang="EN-US" ><b>BIRO-BIRO :<o:p></o:p></b></span></u></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><u><span lang="EN-US" ><b><br /></b></span></u></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><u><span lang="EN-US"><o:p><span style="text-decoration: none" ><b> </b></span></o:p></span></u></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><u><span lang="EN-US"><o:p><span style="text-decoration: none" ><b> </b></span></o:p></span></u></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Biro Ibadah Dan Disiplin<span class="Apple-style-span" ><o:p></o:p></span></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_10" spid="_x0000_i1034" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image008.png" title="9062887_1308764654"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtVD3z8sNo7AJrZiJHcwORMkH2XKcYurckBxvBt2G3TVKPTlTMKt1CiYbF5H9jwxJ79lScnwnyLFRDIE71WxnK_UXoO6Cn73999CMUF5tuyBpJeEtrW-KrrqTlRdT-KnYIcToAdWPJODpT/s400/9062887_1308764654.png" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Abdul Hakim Bin Abdul Rahman<o:p></o:p></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_9" spid="_x0000_i1033" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible;mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image009.png" title="9062887_1308772381"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>N.Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifLAB0hj4B53yxmMIM_kTqLd5U7ishk9AzgaVHlwnB72ynxHcUCbirYwQO24HzZXjvk2EOzUSATi_8ScXhkU244UDrzh7ZQaA8f9bPGzwFk4cGYoSW21GhbEvyX7r8eNWkXDUbWmpI-iRw/s400/9062887_1308772381.png" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Solehana Binti Mahmud<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>**********************************</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><u><span lang="EN-US"><o:p><span style="text-decoration: none" ><b> </b></span></o:p></span></u></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><u><span lang="EN-US"><o:p><span style="text-decoration: none" ><b> </b></span></o:p></span></u></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Biro Akademik Dan Penerbitan<span class="Apple-style-span" ><o:p></o:p></span></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_11" spid="_x0000_i1032" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image010.png" title="9062887_1308762890"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGJi-w-GUfyT5iGN_aUNAuKYtW3CsoslxNEr0l_lCRhFCoeDFwirzDZI2xYDZy_R_PjAnKMJwwj-bVp2a0T91H8SUKZSR8Lfjxrc283LZBgB2c10jdzYM2wZSJQuilNMq_4g-_OUaKchos/s400/9062887_1308762890.png" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Mohd Nor Azman Bin Selamat<o:p></o:p></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_12" spid="_x0000_i1031" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible;mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image011.png" title="9062887_1308772588"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>N.Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiud0Fyr6ZAAxTpuUc3Xm6iTuVku7X06impu0FBtAVNMD3WbOiQ1FzROGJIAKUv2UqJCO6Rao3SYj9RWeTHMJ7nMsCwRNO45tR7jITMcEZWEdRJ12qF0JLdUuRNQvZREqy3Y-jLTwDZGz6B/s400/9062887_1308772588.png" /></b></span></p> <p class="MsoListParagraphCxSpLast" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span lang="EN-US">Qurrqtu Aini Aqilah Binti Ahmad Fazil</span><span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoListParagraphCxSpLast" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>*************************************</b></span></p> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpFirst" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Biro Ekonomi Dan Kebajikan<span class="Apple-style-span" ><o:p></o:p></span></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_13" spid="_x0000_i1030" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image012.png" title="9062887_1308762633"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Ketua</b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFMQf_ZNrhASh095P_vP2fIIrJ08xNvS5jkDORzeR4rjDoAwgDZXOiVVnxzgzBTg99VFo3SeSp-xpqCGzHvzkTfieGSQDhqWlDk1Uec1FYie65Ootepe_zCc4t-dv5RHE4mDtRPbNQS6mb/s400/9062887_1308762633.png" /></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Ali Bin Ahmad Foudzi<o:p></o:p></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_14" spid="_x0000_i1029" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible;mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image013.png" title="9062887_1308764286"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>N.Ketua</b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7kzbaXxR2ordEe59UD-cB-vDlzPcihRlpyAQgSSSq92eDlsvbqezpOn3yP-dKJeQt462WraMXwQxdLtgWbcpwl4kqHvJ4n4cytNbAfLkjJu6yBP8HDRqyM9pc8WBrGit2K7A6H36zmH6L/s400/9062887_1308764286.png" /></b></span></p> <p class="MsoListParagraphCxSpLast" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Nur Nabilah Fathiah Binti Amiruddin<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpLast" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>********************************</b></span></p> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpFirst" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Biro Sukan Dan Riadhah<span class="Apple-style-span" ><o:p></o:p></span></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_15" spid="_x0000_i1028" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image014.png" title="9062887_1308770377"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGXYmrF5jk0NfwH65eCLXVsnL-JhS172WU51clHMV-Rwg50RvS1CWbWiJY9H15NwrhCPLT66X1JufOYh0EFyptzCr1tvihB-srA18a_FYBPfoeHWpqajIoFxR1-87Ea2i4k0QRBWy6Oflu/s400/9062887_1308770377.png" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Muhammad Mursyidi Bin Asaari<o:p></o:p></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_16" spid="_x0000_i1027" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image015.png" title="9062887_1308770722"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>N.Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbkai-LPhpIC3V6-Dm9foqcywkaIIFRvwnt6OEUbH0jlEwIUFZ7C3oSx2E0MFw_MGZTBiYcAoYBl2CDeNIh_mc2tI8Wozyz0eBtvSedgwl3QhofHvOIwutn3HApc02vcoKKGUsSB4dyEDb/s400/9062887_1308770722.png" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Nurul<span style="mso-spacerun:yes"> </span>Hamizah Binti Mohd Zaid<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>******************************</b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpLast" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoNormal" align="center" style="margin-bottom:0cm;margin-bottom:.0001pt; text-align:center"><u><span lang="EN-US"><o:p><span style="text-decoration:none" ><b> </b></span></o:p></span></u></p> <p class="MsoListParagraphCxSpFirst" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Biro Pengangkutan<span class="Apple-style-span" ><o:p></o:p></span></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_17" spid="_x0000_i1026" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image016.png" title="9062887_1308770452"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV1K4RWv_l04MwbZVDZF15abivxjwWB1vjrw6HaoIKWtikoLa6pvEToBXccX7W8yA7KJTrF5HWyRV72xagbMAMtOBdttMT4xb3VhVljDvph0gtRPDgMXm7yPPDZgtT3awiY4aqOyOdugQ3/s400/9062887_1308770452.png" /></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>Muhammad Zulmaharri Bin Abdull Manaf<o:p></o:p></b></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><o:p><b> </b></o:p></span></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><b><span class="Apple-style-span" ><span><v:shape id="Picture_x0020_18" spid="_x0000_i1025" type="#_x0000_t75" style="width:61.5pt;height:61.5pt;visibility:visible; mso-wrap-style:square"> <v:imagedata src="file:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image017.png" title="9062887_1308773081"> </v:imagedata></v:shape></span><span lang="EN-US"><o:p></o:p></span></span></b></p> <p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b>N.Ketua<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US" ><b><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxx4J0VT0tnmWobuLExRx3eQ46Metbj1AvnjoUVdZRW8WOi4Cc1jxYvjiIAzhp2cmCeSe9F649RZTNC8rUBJXrq1DkcOPVeWTv8vdu_OnV-IxoGaCR5iPy1J2brup4Dd7TKSApCC4lJiaQ/s400/9062887_1308773081.png" /></b></span></p> <p class="MsoListParagraphCxSpLast" align="center" style="margin-bottom:0cm; margin-bottom:.0001pt;mso-add-space:auto;text-align:center;line-height:normal"><span lang="EN-US"><b><span class="Apple-style-span" >Hunafa’ Binti Rosli</span></b><span class="Apple-style-span" style="color: red; "><o:p></o:p></span></span></p> <p class="MsoNormal" align="center" style="text-align:center"><span lang="EN-US" style="font-family:Algerian;color:red"><o:p> </o:p></span></p> <p class="MsoNormal" align="center" style="text-align:center"><span lang="EN-US" style="font-family:Algerian;color:red"><o:p> </o:p></span></p>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-16293875904725813042011-05-03T22:49:00.008+08:002011-05-03T23:38:40.853+08:00educatiOnal trip 2011<div style="text-align: center;"><br /></div><div style="text-align: left;">Salam selamat bersua kepada pembaca sekalian...</div><div>sudah sekian sebulan lamanya menyepi tanpa update new pOst.kali ni, berita terbaru tentang educational trip.</div><div style="text-align: center;"><br /></div><div>Baru-baru ini, satu lawatan sambil belajar ke Kuala Lumpur diadakan bertarikh 28 dan 29 Mei 2011. Ahli rombongan yang terdiri daripada 40 orang ahli daripada ahli Permaiya juga Mt PPDI diiringi oleh Ustzah Mardhiyah, selaku ketua rombongan dan 2 lagi pengiring.</div><div>Even bukanlah semua peserta terdiri daripada student Permaiya, namun manfaatnya cukup bermanfaat.</div><div style="text-align: center;"><br /></div><div>Antara tempat menarik yang sempat dilawati ialah ISRA, Bank Negara dan KL BoOk Fair.</div><div><br /></div><div>Di ISRA, peserta didedahkan dengan kursus yang diitawarkan di Isra for the next furture studies reseach in Islamic banking which all the cOurse have been schchOlarship by bank negara.</div><div style="text-align: center;"><br /></div><div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFkt5ujLQjAFwesXZkDYwr_V5DuMPpbgoAR19tBUo0Dvw9UaS92kOMiBPSDh4HIaOt05fO9OZLHwx3ljt_QEjx0eW9mDNwUWCDBNbYjziNCBq_GhxLxzzrQci34uCW36BVM3VmlJAm904F/s400/226966_200629386641968_100000847259120_497290_2842832_n.jpg" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 267px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5602506331482879826" /><div style="text-align: center;"><br /></div></div><div><br /></div><div style="text-align: center;">kenang-kenangan di hadapan bagunan Isra-Inceif</div><div style="text-align: center;"><br /></div><div style="text-align: left;">Petang pula, ke kL book fair. keadaan sungguh sesak,namun hajat masing2 untuk mendapat buku akhirnya kesampaian. turut sama dalam memeriahkan lagi bOok fair kali ini dengan majlis pelancaran buku DR mahyuddin dengan karya sulungnya yang bertajuk Ahli Sihir ke TAli Gantung.</div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVaC2gzCplcaxiE6GjWDVz4OiDSAtdHqpK8zK1a4Jw2iKYCEQ9Mjm6GZahC-C1DG2d0M9WqkfVyRL3iFFW7wqzCbkQsWb7D-FDDBgu6HOM9-AJfFo2G9AqXMKD_tY2AyiUnumcc0ZSF91l/s400/228118_164551343606539_100001550235129_393852_1053094_n.jpg" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 300px; height: 400px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5602512954597134626" /><div style="text-align: center;"><br /></div><div style="text-align: center;">pada majlis pelancaran di booth Pts</div><div style="text-align: center;"><br /></div><div style="text-align: left;">di bank negara pula, alhamdulillah dapat jOin discOurse of islamic banking .</div><div style="text-align: left;"><br /></div><div style="text-align: left;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHOo3sb3REZD-Pw-YUKNLCP1TGRHplDxIo3gaYr1Q6pdVDlvaa0wudDNZnZPU3o_hUC8cze-euZq5i-6kDCgGi7qaSKOs7yV7B34kxnsZKGi-eL3oI0oUgqGsFBBBtl1MBUok6ABJJoMH4/s400/221759_200635003308073_100000847259120_497374_8103442_n.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5602514093270638674" style="display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; text-align: center; cursor: pointer; width: 400px; height: 267px; " /></div><div style="text-align: left;"><br /></div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKOO3EoMHhl4JJsDd6R1Z7dZD4yWb1VztbOGZjxFsYEAun9cLltiLOE8RstGFyGbglZUJs5DKFNWLYvMKCLGjVMc9w-nSd-HbFv_OBJJfK3wmaEfgucP2lFEEavyGhctzCJSVNI74qN7oH/s400/230589_200736973297876_100000847259120_498577_4263085_n.jpg" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 267px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5602505342842687490" /><div style="text-align: center;">bergambar di hadapan bank negara</div><div><div style="text-align: center;"><br /></div></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-78157193190419252011-03-22T00:49:00.001+08:002011-03-22T00:52:27.340+08:00Kenanganku....<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFrCg_0Q6dcBxtXjQf_gy4ttJslHGtvalP0-kqOKMrUlx-ZlYCryo2M1r5TkBJX06uEBHl78XJOasE0w-qRaKOhJoELb1QWgsIbrCC4PN3s0oWsQ9kgQ5F7IHgCf4-rt33jNL7p9R-XxOT/s1600/kenanganku.jpg"><img id="BLOGGER_PHOTO_ID_5586576826226732530" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 284px; CURSOR: hand; HEIGHT: 400px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFrCg_0Q6dcBxtXjQf_gy4ttJslHGtvalP0-kqOKMrUlx-ZlYCryo2M1r5TkBJX06uEBHl78XJOasE0w-qRaKOhJoELb1QWgsIbrCC4PN3s0oWsQ9kgQ5F7IHgCf4-rt33jNL7p9R-XxOT/s400/kenanganku.jpg" border="0" /></a>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-79597425063422425242011-03-21T00:06:00.000+08:002011-03-21T00:11:11.581+08:00Mengapa kita membina diri kita...<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMX9o34rBu9CUaAODU7CzuBxAiVZw8ThE8oDoDK8uIc37v1X1ZzwlbUi6511Ix44WoPfTipGa7Gag_DSowUxcwVesnzxHA66lmHKpWYDFJ74nKQI761G5wVp6P9YKwRGyMPNAan9PObTxD/s1600/mengapa+kita+membina+diri+kita.jpg"><img id="BLOGGER_PHOTO_ID_5586195115844606018" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 291px; CURSOR: hand; HEIGHT: 400px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMX9o34rBu9CUaAODU7CzuBxAiVZw8ThE8oDoDK8uIc37v1X1ZzwlbUi6511Ix44WoPfTipGa7Gag_DSowUxcwVesnzxHA66lmHKpWYDFJ74nKQI761G5wVp6P9YKwRGyMPNAan9PObTxD/s400/mengapa+kita+membina+diri+kita.jpg" border="0" /></a><br /><div></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-80313789224177832232011-03-21T00:01:00.000+08:002011-03-21T00:05:08.602+08:00Berita Umat<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvw8rNYaw_bdriB8UoN7z_KFPl-ItxHjsdC9cowf2FGYMkSLnjdp6jwcKHYyGkthw-ueUBpYN1T5zIEXvBDCUbbueHKnRLN_pbhvVJzIgVSjYa-FlgrAvt9vm9GCdY4f5MUyfd73IUjAZk/s1600/berita+umat.jpg"><img id="BLOGGER_PHOTO_ID_5586193515827488738" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 400px; CURSOR: hand; HEIGHT: 290px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvw8rNYaw_bdriB8UoN7z_KFPl-ItxHjsdC9cowf2FGYMkSLnjdp6jwcKHYyGkthw-ueUBpYN1T5zIEXvBDCUbbueHKnRLN_pbhvVJzIgVSjYa-FlgrAvt9vm9GCdY4f5MUyfd73IUjAZk/s400/berita+umat.jpg" border="0" /></a><br /><div></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-80780192079920253172011-03-20T23:52:00.000+08:002011-03-20T23:59:40.238+08:00<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjk2-S39gvSizbyGpIxu5So6PPuqUNIl-_rRUZWtpKeggq69aB48H30wevHcuxnL_5z9XlvCsG9-6zOl7vkKLLwIjHBeDvJoRuxP9EeMG-Er_oW0TdvQ8T5oSQqdg3KMnYiVmRwVIx9PeeG/s1600/baca+novel.jpg"><img id="BLOGGER_PHOTO_ID_5586192050258044050" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 291px; CURSOR: hand; HEIGHT: 400px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjk2-S39gvSizbyGpIxu5So6PPuqUNIl-_rRUZWtpKeggq69aB48H30wevHcuxnL_5z9XlvCsG9-6zOl7vkKLLwIjHBeDvJoRuxP9EeMG-Er_oW0TdvQ8T5oSQqdg3KMnYiVmRwVIx9PeeG/s400/baca+novel.jpg" border="0" /></a><br /><div></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-1242399108592856942011-03-20T23:17:00.000+08:002011-03-20T23:35:08.405+08:00Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-69266373120804858762011-03-03T12:59:00.011+08:002011-03-03T15:16:15.641+08:00SOIS Family Day......<div style="text-align: center;"><br /></div>26 Februari 2011, Sabtu<br /><div><div>IKIP TAMAN PERTANIAN : Pada mnggu yang lpas telah diadakn 1 pgrm yg julung2 diadakan..... Iaitu pgram SOIS Family Day ( bergabung 3 kos pngajian dbawahnya iaitu DMI,</div><div> DFI dan Yarmouk) Ianya kmbali drancang oleh Pengarah Program SOIS yg baru iaitu</div><div>Dr.Mahyuddin..... Dgan perncangan yg smkin teliti dan pelbagai pgrm dmasukkan ke dlm</div><div> takwim SOIS, kini SOIS brtambah gemilang, cemerlang dan terbilang..... Alhamdulillah pgrm</div><div> b'jln dgn amat baik skali..... Pgram ini bkan shja mngeratkan hbngan antra lecturer2 SOIS dgn pljar2 mlahan mngeratkan lgi hbngan antra plajar dan pljar... Mklumlah b'lainan kos..... dgn mse</div><div> yg dberi ianya memberi peluang kpda plajar mngenali antra 1 sma lain.... bkn utk cri jdoh tpi mngenali pljar2 yg dbawah 1 school.... walaupn msih kekok, malu, segan dan mcm2 lgi la tpi</div><div> pgrm nie telah bnyk m'beri knangan manis kpda smua pljar bkan stakat pljar2 Yarmouk mlahn</div><div> pljar2 kos DMI dan DFI..... walaupn mgkin ade yg sedih x menang tpi ape2 pun kte semua dah uat yg terbaek.... Tahniah uat kmpulan Ustazah Busyra Huda sbb dpt juara dlm p'tndngan</div><div> memasak...... hehehheheh.... ape2 pun pling sronok dpt mkan sme2 ape yg kte smua msak..... Walaupun dah lpas n sye bru je mengepos berita tntg pgram t'sebut, ape2 pun sye sisipkn skit</div><div> gmbr uat knangan kte smua..... Harap maaf sbb bru je pos tntg pgrm nie..... perlihatlah kngan</div><div> ini.....</div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4K2YMzuBbDmp5MS47lX8k20FXyPUozUPU-u6pz1gcVQPeoKJtiY8TFRtivCrJNY1qlP53KJSzC1Os5V7b2sK4Dsy2Ak5AceNREGuSXOYsXtps9JPqgoZNnyLkMQx-7VyYT1_b3SeMm89R/s400/P1050483.JPG" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579727694421865714" /><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div></div><div><div style="text-align: center;"><br /></div><div style="text-align: center;">semua mke2 x sbar nak memask.... hehehhehe</div><div><div style="text-align: center;"><br /></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitra9DsCtEZN4Rtl3ktDidagaKd0EgIAljUZvqDmjj1cgh1-doth3Ak_gHdEnopTHtOMnxTGBQo0TnXV8IK-GHfL-atqPtmh_PuX0PkypN0czIAsFWZd7skRINp0-8yOlq-U_K08Sy2Nj8/s400/P1050486.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579730013259076242" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;">bdk2 junior batch 6...... heheheh... comey aje....</div><div style="text-align: center;"><br /></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVvdb942Gn9bq9Uj196VUSyg3B6pOgqklsolkxWCac6LFjlPw-zIi1N89RWe2o_hF4SCMfG_iGI2bXuKdCK1xlxiVCrmb4uH-2US3HcJ0KZtLMfsFCoVqiQC6Ag4T3iuYDHWt-oGfwC7Z2/s400/P1050488.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579731727354764562" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;">tumbuk jgn x tumbuk..... hehehehhe</div><div style="text-align: center;"><br /></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3vbJRVKjnhH_32Ic4rlhKedjZhYFvv8c5M8xpqmxq7i21eR4zJW9o-CylhWfrfBXZdLoXn92kpp6FUtG9hxPoayVkFsikFkKAB1vi15LK5Erfkd8pU-rzpcSmT3q9QSPJAIAw1STwU5Ae/s400/P1050489.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579731729915110034" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;">calon2 suami mithali.... insyaallah......</div><div style="text-align: center;"><br /></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiewTzhf948xtgs_IBghusUplZbNrg4vaMIvsgrpfQcb6sdd5jY068h_4luNXPHeSuZ1TOqmkr7tQbimdq8Wcz-7t9WqtCK3ySk8j2CIv8f6PR5juemXGmu0EdfUPkahmBcwsNdvC5J0Pza/s400/P1050505.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579731733283483330" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;">oren yer tema kmplan Ustzh Mardiah..... ape2 krjasme yg bgus....</div><div style="text-align: center;"><br /></div><div style="text-align: center;">Diantara kekreatifan pljar2 SOIS :</div><div><br /></div></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXJhk9appT_H4CjxrTjvdfvncLIEPcIziV3MIjvMXhrcrCThP_y5VCWePd-v4ACJFFmfMOOp1_cbJE4a-9guOW6e2SfYQqkjXoInT98ERyZZWHvVMIW4UGW1SceAg0BesJAsZGPFUVlzht/s400/P1050507.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579737986239209122" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg14zXD74p_B0yuSUp0dM6KL2ClN05cpCfEc7zct8USNybcFMojeARXZ9ImmFtynhK86cDgT4e0fIIOASyVfSZlx94iuSRZNQ0Mq8WKZdZr3Lvc0Hhl17IPkAWElIx-DKFo1w7h68fFYhS2/s400/P1050511.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579737988755275186" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZfP-xJ1dopRV4VLfjcd_3sBnLAp4fZtEza9M5XguS9Wk7pwKPWYVI92blu1s7X-UqGm69ngcf4Dcczv_1pR3-i3MLnt8xhY7bNoQT_WxU-Bh-YT5ewuecsd0jiSkwvD1chYLoGoj6o3Ez/s400/P1050514.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579737991134253378" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEig3MVbWRLhZbyS-6gzWnOCXucyH4ry2vx_upV2Gg9h1DqOc5wU_mzUJXiS21lNm_XktZorktQlbaWe7GJPOli3IArzA6IMtJIn1tDW6Kp80DlSq5NP1Dh6JFDuKJtH_do_IDf6YRARSDrx/s400/P1050515.JPG" style="cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579737992702157234" /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEja1IskMOBqWZxSaK0gBXnMMZ4nejEFw9UyllCprsCovsOMyE2rm2nTQ1oLnHJYvQy2u_iE2T9WZGazPCcKYpykYd2PGVXOda0qO1gpRVUNVutxVpBbE_Ts9FDF0fz-A-ay78xCdqEJF99D/s400/P1050534.JPG" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579743238514763362" /><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRmAcnP3poMOV-XfpcGO7W66xLWnBFeDaIyUpDn9KKEXczKC9PTjgFZL4bmA_f52eUQrjAbJrclEWow0zjtVKzq5aM2iTT3Z15Ps-LrhRdg3Xd4y_kraWHqVrqPBeI7gG-laHRCuzBicd2/s400/P1050516.JPG" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579743216658828962" /><div style="text-align: center;"><br /></div></div><div><div style="text-align: center;"><br /></div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxQGzIVcXW-9ys8iOEjXL7mbaBUOMeejHFzoYh3nyDIv4x5gCd4rCJEaNaUDUlZWMdUP-K3TpZAeprNfKuUjTbwE-mBJ33y9e4dTL6ftOMQ7fUtv59vYgUnnhj_jv0vG8tu_9YOBKX1AYW/s400/P1050531.JPG" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 225px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579743219590234258" /></div><div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaCuqNVmw7vGtiG561hLcN-AFSiYfnyPJ_K4abguVpA5x5QYvdLwU-81xCsiVHIWhkuSti5bmUk49B11FaqHhCCOibnPkuXaMqr8NQWE1VV9OUX_l-xoWgVw2MDOWxhsj_J45TR2OzbMlk/s400/P1050533.JPG" style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 225px; height: 400px;" border="0" alt="" id="BLOGGER_PHOTO_ID_5579743230360369714" /><div style="text-align: center;"><br /></div></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-49741363548556176562011-02-27T23:22:00.009+08:002011-02-27T23:44:51.514+08:00CALON-CALON MPP IKIP 2011<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7HPwaDpoIiELzkO7jE_zfcQEWaSF6bFCFtSPmc5K6Hm40N2begYwmKlrKMW7_wNeUDeCLd_T7ULWZiiPCduAm1ZvM4Z_i7hUzj7KpA95FplU-bIPqLeWgokF_xLSHDxI1m1LZOo7GMZbw/s1600/P1050592.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 225px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7HPwaDpoIiELzkO7jE_zfcQEWaSF6bFCFtSPmc5K6Hm40N2begYwmKlrKMW7_wNeUDeCLd_T7ULWZiiPCduAm1ZvM4Z_i7hUzj7KpA95FplU-bIPqLeWgokF_xLSHDxI1m1LZOo7GMZbw/s400/P1050592.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5578394799853486770" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPoifp2oFZdf0gx6TZ4AXLZ0jgZ3E0cUOLfO1HnX4yWoCd-sF9SPrHAOiphsWEGU0dFYuekjFY_zAKpMBRiPEH1LGihh6h8KEfhBC-gXGUo7gAv9hshC4FEr7BoQSAuXXReaCF42mH7kYa/s1600/P1050596.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 225px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPoifp2oFZdf0gx6TZ4AXLZ0jgZ3E0cUOLfO1HnX4yWoCd-sF9SPrHAOiphsWEGU0dFYuekjFY_zAKpMBRiPEH1LGihh6h8KEfhBC-gXGUo7gAv9hshC4FEr7BoQSAuXXReaCF42mH7kYa/s400/P1050596.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5578394427508626274" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyvdW5s_Rwm6Nx3Yr1G3TIHrtaj9gwIw60kOiyK7gXxyx1RO6suOKfxM8Colxqvd43hEAmRLy3-17BJUWXnrjGYhMidY1KUjLPuZB2VMshGleehLbkpKhpi3wJ5k77IIUdU6yQsECY275B/s1600/P1050600.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 225px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyvdW5s_Rwm6Nx3Yr1G3TIHrtaj9gwIw60kOiyK7gXxyx1RO6suOKfxM8Colxqvd43hEAmRLy3-17BJUWXnrjGYhMidY1KUjLPuZB2VMshGleehLbkpKhpi3wJ5k77IIUdU6yQsECY275B/s400/P1050600.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5578393628782378722" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhE0zvEifAfqHmnx7hRfYyJFsFdca3u-K3zc8zFu_81rnfY3Hx0OALi3C8dkIceeZEyUsK2yv6dDMzPpfRkjmAey_8ojKllrayj1gOWKDqX6jSdZX4mgW4NDMw6uMX2Ox4mDPIE0mey0Pi/s1600/P1050591.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 225px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhE0zvEifAfqHmnx7hRfYyJFsFdca3u-K3zc8zFu_81rnfY3Hx0OALi3C8dkIceeZEyUsK2yv6dDMzPpfRkjmAey_8ojKllrayj1gOWKDqX6jSdZX4mgW4NDMw6uMX2Ox4mDPIE0mey0Pi/s400/P1050591.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5578392745103809282" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzB2o8Fv64G-NyxIxnVrjYvU2_XAaxz38opwk1rilV4C3tGiz_rMiSNi3HKVCRa1ze3aZSUgYNKsjHheTSDIqHqra6emqFaHZI-2LEsJFz3a6sssjKNToxs2mj73uRt5QmiMpZqwmMyi4J/s1600/P1050598.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 225px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzB2o8Fv64G-NyxIxnVrjYvU2_XAaxz38opwk1rilV4C3tGiz_rMiSNi3HKVCRa1ze3aZSUgYNKsjHheTSDIqHqra6emqFaHZI-2LEsJFz3a6sssjKNToxs2mj73uRt5QmiMpZqwmMyi4J/s400/P1050598.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5578392010254784194" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPHM3jzJ0KPVtEuoa8YODiHMKckdst6tR2DMId_8vHPDQEaiPT6R3pSvTBNJzmsJq72SlcaN8sqNeSCI3eup4zXKYrQ8wP1UgVX189DfaOUezo5Rc0VI33n9uqYyVdYiDMm1IfhzahbxP3/s1600/P1050601.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 225px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPHM3jzJ0KPVtEuoa8YODiHMKckdst6tR2DMId_8vHPDQEaiPT6R3pSvTBNJzmsJq72SlcaN8sqNeSCI3eup4zXKYrQ8wP1UgVX189DfaOUezo5Rc0VI33n9uqYyVdYiDMm1IfhzahbxP3/s400/P1050601.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5578391432356065842" /></a>slamat mngundi!!!Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-88009181039923440302011-02-19T09:32:00.002+08:002011-02-19T09:41:49.316+08:00Bercinta Dengan Rasulullah SAW<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSBfoCJvRtnAbVMLkVVebC5Qb4x74g6i3va49m7uuAGfPnODdCGXg2Bs48Td4oLAdFqJwDRmfPOVARfNUh2sta7_plyqlu30KAti6gBJtJY59MsG1mX3wVM0FCVliEUgYoRBKPYG5gjPXw/s1600/20110215-cinta_200_200.jpg"><img style="float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 200px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSBfoCJvRtnAbVMLkVVebC5Qb4x74g6i3va49m7uuAGfPnODdCGXg2Bs48Td4oLAdFqJwDRmfPOVARfNUh2sta7_plyqlu30KAti6gBJtJY59MsG1mX3wVM0FCVliEUgYoRBKPYG5gjPXw/s400/20110215-cinta_200_200.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5575207899135079890" /></a><br /><span class="Apple-style-span" style="font-family: Verdana, Arial, sans-serif; font-size: 12px; line-height: 18px; "><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Pepatah Melayu ada menyebut - "Tak kenal maka tak Cinta". Ungkapan ini, antara lain membawa maksud, jika kita tidak kenal dengan seseorang bagaimana mungkin kita dapat menzahirkan perasaan cinta terhadapnya. Tidak pernah wujud orang yang bercinta dengan seseorang yang tidak pernah diketahui atau dikenalinya terlebih dahulu.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Tidak hairanlah dalam Islam, perkara pertama yang perlu dititikberatkan sebagai Muslim ialah mengenal Allah atau dalam Bahasa Arabnya berbunyi -Awwaluddin Ma'rifatullah. Sebab itulah, jika dilihat kepada ayat-ayat al-Quran yang terawal diturunkan atau yang juga dipanggil Ayat Makkiyyah (yang diturunkan di Makkah), kebanyakannya menceritakan tentang kebesaran Allah atau aspek-aspek berkaitan akidah yakni keesaan Allah.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Ini kerana pada ketika itu, masyarakat jahiliyyah masih menyembah berhala dan mengamalkan pelbagai amalan khurafat yang lain. Ayat-ayat yang kebanyakannya dimulakan dengan ungkapan 'Ya Ayyhuhannas' ini bertujuan untuk membersihkan jiwa manusia daripada unsur syirik dan khurafat tersebut.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Hanya setelah unsur-unsur jahiliyyah dan syirik tersebut dinyahkan, barulah prinsip-prinsip serta syariat Islam yang lain dapat diterapkan ke dalam diri seorang Muslim.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jika dilihat pada ayat-ayat Makkiyyah tersebut, tidak dinyatakan tentang persoalan Ibadat seperti Solat, Zakat, Haji dan sebagainya. Ini kerana, persoalan Ibadat yang merupakan manifestasi cinta seseorang hamba kepada Tuhannya hanya akan datang apabila seseorang itu telah mengenal tuhannya atau dalam kata lain - telah jelas dari sudut akidahnya.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(51, 102, 255); background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Kenal Allah</strong></span>, <span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(51, 102, 255); background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Baru Ibadat</strong></span></p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jika teori ini diambil kira, maka pendekatan dalam berdakwah kepada <em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Non-Muslim</em> kita pada hari ini tidak sepatutnya didahulukan dengan perkara Ibadat. Bagaimana mungkin kita ingin menyuruh <em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Non-Muslim</em> melakukan ibadah jika mereka belum mengenal Allah. Apabila mereka sudah kenal Allah, barulah beransur-ansur akan datang perasaan ingin menunjukkan rasa kasih dan cinta kepadaNya iaitu melalui amal ibadah yang telah disyariatkan.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Begitulah juga cinta kita kepada Rasululluah saw.. Bagaimanakah agaknya cara untuk menzahirkan perasaan cinta kepada Baginda? Sudah tentulah persoalan tersebut hanya dapat dirungkaikan dengan kita terlebih dahulu mengenal Rasulullah saw..</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Mengenal Rasulullah saw., antara lain bermaksud kita tahu apa yang Baginda suka dan apa yang Baginda benci atau apa yang Baginda suruh dan apa yang Baginda larang. Jika kita enggan membuat perkara yang Baginda suka atau masih membuat perkara yang Baginda larang, maka kita masih belum cukup kenal, jauh sekali untuk bercinta dengan Baginda saw..</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(51, 102, 255); background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Suami Isteri</strong></span></p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Sebagaimana kedaannya sepasang suami isteri yang saling mencintai antara satu sama lain. Si suami akan berusaha membuat apa yang disukai dan meninggalkan apa yang dibenci isterinya sebagai tanda dan bukti cinta yang tidak berbelah bahagi kepada isterinya. Namun, jika si isteri melihat si suami sudah tidak lagi membuat perkara yang disukainya atau membuat perkara yang dibencinya, maka ia seolah menunjukkan cinta dan sayang si suami tadi sudah semakin pudar.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Maka, begitulah juga halnya dengan cinta kita kepada Rasulullah saw.. Tidak sempurna cinta kita kepada Baginda jika kita tidak melaksanakan arahan serta mengamalkan sunnah Baginda dalam kehidupan seharian.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(51, 102, 255); background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Memperlekeh & Membenci??</strong></span></p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Bagaimanakah kita ingin mengatakan kita cintakan Rasulullah jika kitalah orang pertama yang memperlekehkan dakwah Baginda? Bagaimanakah kita ingin katakan yang kita amat menyintai Baginda jikalau kitalah orang yang paling bencikan sunnah dan ajaran Baginda?</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jika Rasulullah saw. tidak pernah melebihkan kaum Arab ke atas kaum yang lain - kerana setiap anak Adam itu sama sahaja di sisi Allah melainkan yang bertaqwa, kita pula membeza-bezakan darjat sesama manusia hanya kerana bangsa dan warna kulit.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jika Rasullullah saw. menjadikan dakwah Islamiah sebagai agenda hidup-mati Baginda, kita pula hanya menjadikannya kerja-kerja <em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">part-time</em> yang bersifat bermusim malah mengharapkan balasan duniawi di sebalik kerja-kerja tersebut. Jika Baginda sanggup menghukum anakanda baginda Fatimah sekiranya beliau mencuri, kita pula lebih suka menyebelahi anak kita meskipun anak kita melakukan kesilapan.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Malah, jika kita seorang yang berpengaruh, kita akan cuba sedaya upaya menggunakan pengaruh dan kuasa untuk memastikan anak kita yang bersalah itu dilindungi atau tidak dihukum. Jika Rasulullah menyuruh kita menjaga batasan pergaulan dan menutup aurat, kitalah orang yang paling gemar mendedahkan aurat dan bergaul bebas tanpa batasan.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jika Rasulullah menyuruh kita berlaku adil - iaitu memberikan hak kepada mereka yang berhak, kita pula hanya memberikan hak kepada orang yang kita sayangi, yang kita kenali, yang mempunyai persamaan dengan kita, meskipun kekadang mereka tidak berhak! Jika Rasulullah mewasiatkan kita untuk berpegang kepada al-Quran dan as-Sunnah sebagai panduan hidup, kita kadangkala tidak ambil pusing akan apa yang terkandung dalam kedua-duanya.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jika Rasulullah menyuruh kita bercakap benar, kitalah orang yang paling suka membuat spekulasi palsu untuk kepentingan diri. Jika Rasululllah menganjurkan agar kita takutkan kemurkaan Allah lebih dari segala-galanya di atas muka bumi ini, kita pula lebih takutkan sesama manusia, lebih-lebih lagi jika ia berkait dengan periuk nasi kita.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Jika Rasulullah menyuruh kita mengasihi orang lain sebagaimana kita mengasihi diri kita, kita pula hanya mementingkan diri sendiri. Jika Rasulullah menyuruh kita menunaikan amanah yang telah dimanahkan - lebih-lebih lagi jika ia berkait dengan kepentingan umum, kitalah orang yang paling gemar mengkhianati amanah tersebut.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><span style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(51, 102, 255); background-position: initial initial; background-repeat: initial initial; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Berarak Sahaja Tidak Cukup</strong></span></p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Nah, jika kita masih melakukan apa yang Rasulullah saw. tidak suka, bagaimana mungkin kita katakan kita sudah cukup kasih akan Baginda. Sesungguhnya, kasihkan Baginda tidak memadai dengan hanya berarak dan berselawat memuji Baginda, tetapi juga menginsafi falsafah diutuskan Baginda kepada kita semua, iaitu tidak lain dan tidak bukan sebagai rahmat sekalian alam.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Moga-moga belum terlewat untuk kita kembali 'menghargai' rahmat yang didatangkan kepada kita melalui pengutusan baginda Rasulullah saw.. Mudah-mudahan dengan cinta dan kasih kita yang tidak berbelah bahagi ini, kita akan beroleh syafaat Baginda di akhirat kelak seterusnya sama-sama menghuni syurga Allah bersama-sama Baginda, para anbiya', solihin dan pejuang-pejuang agama suci ini.</p><p style="margin-top: 15px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 12px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">Salam Maulidurrasul - 12 Rabi'ul Awwal 1432 Hijriyyah.</p></span>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-64558502555398351872010-12-19T23:05:00.002+08:002010-12-19T23:42:43.746+08:00<strong>Terminology</strong><br /><br /><strong>Meaning</strong><br /><br /><strong>Bai’ Urbun بيع العربون</strong><br /><br />A sale agreement in which a security deposit is paid in advance as part payment towards the price of the asset if the contract continues to its conclusion. The deposit is forfeited if the buyer does not meet his obligation to complete the purchase of the asset. The forfeited money is considered as hibah (هبة/ gift) to the seller.<br /><br /><strong>Bai’ Bithaman 'Ajil بيع بثمن آجل</strong><br /><br />A contract of sale on a deferred payment (bai' nasiah/ بيع النسيئة) and installment (bai' bit taqsid/ (بيع بالتقسيط basis within an agreed payment period.<br /><strong></strong><br /><strong>Bai’ Murabahah بيع المرابحة</strong><br /><br />A contract of sale based on cost plus where the acquisition cost and the seller’s profit margin are disclosed to the buyer at the time of the contract. The settlement of the price is normally made on deferred payment terms i.e. bai’ bithaman ‘ajil.<br /><br /><strong>Bai’ Inah بيع العينة</strong><br /><br />A financing facility involving two separate sale and purchase contracts on a same asset and it can be in the following two arrangements:<br /><br />1. A financier sells an asset to a customer on deferred payment terms. Immediately thereafter, the financier repurchases the same asset from the customer on cash terms at a price lower than that of the deferred payment sale. <br /><br />2. A financier buys an asset from a customer on cash terms. Immediately thereafter, the financier sells back the same asset to the customer on deferred payment terms at a price higher than that of the cash sale.<br /><br /><strong>Bai’ Dayn بيع الدين<br /></strong><br />It refers to the buying and selling of debt instruments e.g. certificates, securities, trade documents and papers in the secondary market that conform to the Shariah requirements. All these documents are essentially issued by the debtors to the creditors as evidence of indebtedness (syahadah al-dayn/ ). The Bai’ Dayn happens when the creditor sell the debt documents to third parties. Only documents evidencing real debts (الدين الثابت/ dayn thabit) i.e. debts arising from “bona fide” business transactions may be traded.<br /><br /><strong>Bai’ Istijrar بيع الإستجرار</strong><br /><br />A contract between a supplier and a customer whereby the supplier supplies a particular item on an ongoing basis on an agreed mode of payment until they terminate the contract. It is equally applicable for a contract between a wholesaler and retailer for the supply of a number of agreed assets.<br /><br /><strong>Bai’ Istisna’ بيع الإستصناع</strong><br /><br />A purchase order contract whereby a buyer orders a seller to manufacture an asset according to specifications in the purchase contract to be delivered on a certain future date. The settlement of the purchase price is according to an agreed terms and conditions between the two parties.<br /><br /><strong>Bai’ Muzayadah بيع المزايدة<br /></strong><br />A sale of an asset in public through the process of bidding among potential buyers and the asset is sold to the highest bidder. This is commonly known as auction sale.<br /><br /><strong>Bai’ Salam بيع السلم<br /></strong><br />A contract in which a full payment of the price is paid in advance at the time of contract for assets to be delivered later at a future date. It is necessary that the quality of the assets intended to be purchased is fully specified leaving no ambiguity leading to dispute. The objects of this sale are ordinary assets and cannot be gold, silver or currencies because these are regarded as monetary values exchange of which is covered under rules of Bai’ al Sarf, i.e. mutual exchange is hand to hand without delay. This mode of financing is often applied in the agricultural sector, where the bank advances money for various inputs to receive a share in the crop, which it then sells.<br /><br /><strong>Bai’ Wafa’ بيع الوفاء<br /></strong><br />A contract with a condition that when the seller pays back the price of the sold asset, the buyer returns the asset to the seller. It is a bai’ (sale) in form but a pledge (رهن/ rahn) in substance.<br /><br /><strong>Batil باطل</strong><br /><br />Null and void.<br /><br /><strong>Darurah ضرورة<br /></strong><br />Emergency. In the emergency, Muslims may disregard aspects of Sharī’ah laws in order to save their faith, life, property, intellect and posterity.<br /><br /><strong>Dhamanah ضمانة<br /></strong><br />A contract where a person underwrites claims or obligations that should be fulfilled by a debtor, supplier or contractor. In the event that the debtor, supplier or contractor fails to fulfil his obligations, the guarantor is responsible to fulfil such obligations.Majority of fuqaha’ view that the dhamanah is similar with kafalah.<br /><br /><strong>Fasid فاسد<br /></strong><br />Unsound or unviable. In a contract, a fasid condition will render the contract invalid.<br /><br /><strong>Fatwa فتوى<br /></strong><br />An opinion or pronouncement on Shari’ah issued by a group of scholars (fuqaha’) whose are sufficiently qualified and knowledgeable of the methodology for the issuance of fatwa, as well-established under the discipline of Islamic jurisprudence (usul fiqh). In practice and depending on jurisdictions, fatwa may also be referred as Shari’ah “rulings”, “edicts” and “opinions.” In Malaysia, only National Fatwa Council and states’ Fatwa Committees has the power to issue fatwa, while the Shari’ah Advisory Council of Bank Negara Malaysia, Shari’ah Advisory Council of Securities Commission and individual banks’ Shari’ah Committees only has the power to issue “decisions.”<br /><br /><strong>Gharar غرر</strong><br /><br />An unknown fact or condition. In a commercial transaction, an excessive/ major gharar (غرر فاحش/ gharar fāhish) e.g. the fact or condition of either the contracting parties or the asset in the contract or the price of the asset are not known or made known to contracting parties makes a contract null and void.<br /><br /><strong>Ghish غش<br /></strong><br />Cheating, fraud, or deception. All of these are prohibited by the Shari'ah.<br /><br /><strong>Hadith حديث<br /></strong><br />The sayings, deeds and endorsement of the prophet Muhammad SAW. Hadith is also referred as Sunnah.<br /><br /><strong>Halal حلال</strong><br /><br />Lawful or permissible. The concept of halal has spiritual overtones. In Islam there are activities, professions, contracts and transactions that are explicitly prohibited (haram) by the Shari’ah. All other activities, professions, contracts and transactions are halal. The concept of halal differentiates Islamic economics from conventional economics. In conventional economics all activities are judged on economic utility. In Islamic economics, spiritual and moral factors are also involved, where an activity may be economically sound but may not be allowed if it is forbidden by the Shari’ah.<br /><br /><strong>Haram</strong><br /><br />Unlawful or forbidden. Activities, professions, contracts and transactions that are explicitly prohibited by the Shari’ah.<br /><br /><strong>Haq Maliy حق مالي</strong><br /><br />Refers to rights on the asset. Examples of such rights are haq dayn (rights to the claim of a debt) and haq tamalluk (rights of ownership).<br /><br /><strong>Hibah هبة<br /></strong><br />A gift awarded to a person voluntarily or something given to a person without exchange.<br /><br /><strong>Hiwalah حوالة<br /></strong><br />A contract of transferring a debt obligation of a debtor to a third party.<br /><br /><strong>Ibra’إبراء </strong> <br /><br />Giving up of a right. In a commercial transaction a creditor gives up part or all of his right to a debtor usually for early settlement of the debt. Some scholars (fuqaha’) opine that Ibra’ is similar with rebate. However, in Islamic banks this concept is applied in wider context such as in implementation of floating rate products with a fixed selling price.<br /><br /><strong>Ijarah</strong><br /><br />A contract whereby a lessor (owner of an asset) leases out an asset to a customer/ lessee at an agreed rental payment and pre-determined lease period upon the ‘aqd (contract). The ownership of the property remains with the lessor while the lessee only owns the right of the use of the property.<br /><br /><strong>Ijarah Thumma Bai’ إجارة ثم البيع<br /></strong><br />Refers to an Ijarah (leasing) contract to be followed by a bai’ (sale) contract. Under the first contract, the lessor leases out an asset to a lessee at an agreed rental payment over a specified period. Upon expiry of the leasing period, the lessee enters into a second contract to purchase the property from the owner at an agreed price.In certain jurisdiction, Ijarah Thumma Bai’ is called Ijarah Muntahiah Bit-Tamlik.<br /><br /><strong>Ijtihad اجتهاد<br /></strong><br />A jurist (faqih)’s endeavor to formulate a rule or legal decision (hukum) by interpretation of the evidence (dalil) found in the Shari’ah sources.<br /><br /><strong>Syirkah ‘Inan شركة العنان</strong> <br /><br />Financial partnership.<br /><br /><strong>Jah lجهل</strong> <br /><br />Ignorance.<br /><br /><div><strong>Jua’lah</strong><br /></div><br />A unilateral contract promising a reward for the accomplishment of a specific task.<br /><br /><strong>Kafalah كفالة<br /></strong><br />Refer to Dhamanah.<br /><br /><strong>Khiyanah خيانة</strong> <br /><br />A breach of trust, betrayal or treachery which is clearly prohibited by Shari’ah.<br /><br /><strong>Maisir ميسير or Qimarقمار</strong><br /><br />Gambling. Any activity that involves betting, involving money or any items on the outcome of an unpredictable event. The bet is forfeited if the outcome is not as predicted by the bettor and the person against whom the bet is made takes the bet. This activity is clearly prohibited by the Shari’ah.<br /><br /><strong>Mal مال<br /></strong><br />Anything of natural desire by humankind, and can be stored for times of necessity; has specific or general use and is permissible by Shari’ah for the purpose of extracting its benefit.<br /><br /><strong>Muamalat معاملات</strong><br /><br />Economic transactions among human being.<br /><br /><strong>Mudarib مضارب<br /></strong><br />Entrepreneur in a mudharabah contract.<br /><br /><strong>Mudharabah مضاربة<br /></strong><br />An agreement between a provider of capital (rabbul mal) who provides 100% capital for a business and entrepreneur (mudharib) who manages the business applying his expertise. Under this contract, the resulting profit is to be shared between them according to a pre-agreed ratio, while any loss is to be borne solely by the provider of capital.<br /><br /><strong>Muqasah مقاسة<br /></strong><br />Debt settlement by contra transaction or setting off.<br /><br /><strong>Musaqah مساقة<br /></strong><br />An agricultural contract whereby the owner of agricultural land shares its produces with another person in return for his services in irrigating the garden.<br /><br /><strong>Musawamah مساومة<br /></strong><br />A general kind of sale in which price of the commodity to be traded is bargained between seller and the purchaser without any reference to the acquisition cost incurred by the seller.<br /><br /><strong>Musharakah مشاركة<br /></strong><br />A contract between two or more parties to contribute capital in various proportions to a partnership. Profits generated by the partnership are shared in accordance with the terms of musharakah contract whilst lossess is shared in proportion to the respective contributors’ shares of the capital.<br /><br /><strong>Musharakah Mutanaqisah مشاركة متناقصة<br /></strong><br />Diminishing musharakah; allows equity participation and sharing of profits in a pre-agreed ratio, and sharing of losses on a pro-rata basis. This provides a method through which the bank keeps on reducing its equity in the asset, ultimately transferring ownership of the asset to the customer/ partner. The contract provides for payment to purchase equity shares held by the bank, over and above the profit paid to the bank. Simultaneously the customer purchases some of the bank's equity, progressively reducing it until the bank has no equity and that results in ending the partnership.<br /><br /><strong>Muzara’ah مزارعة<br /></strong><br />An agricultural contract whereby a person works the land of another person in return for a share in the produce of the land.<br /><br /><strong>Qabadh قبض</strong> <br /><br />Qabadh means taking possession in the contracts of exchange (‘uqud mu’awadhat). Generally qabadh is practiced based on urf i.e. the common practices of the local community in recognizing the way the possession of an asset has taken place. Qabadh is varies from one type of asset to another.<br /><br /><strong>Qardh قرض<br /></strong><br />Loan.<br /><br /><strong>Qardh Hasan قرض الحسن<br /></strong><br />Refers to benevolent loan, i.e. a loan contract between two parties with no extra charge over and above the loan. Any extra payment imposed by the lender or promised by the borrower is prohibited. However the borrower is permitted to pay extra on payment at his absolute discretion as a token of appreciation.<br /><br /><strong>Quran قرءان<br /></strong><br />The holy scriptures of Islam i.e. the words of Allah revealed to the Prophet Muhammad SAW in Arabic conveyed by the angel Jibrail AS.<br /><br /><strong>Rabbul Mal رب المال<br /></strong><br />The investor or capital provider in a mudharabah contract.<br /><br /><strong>Rahnu رهن<br /></strong><br />Making an asset a security or collateral for a debt. The collateral will be used to settle the debt when the debtor is in default. It may also be used as a name for a kind of borrowing with collateral or pawn broking.<br /><br /><strong>Riba ربا<br /></strong><br />An increase, in a loan transaction or in exchange of a ribawi asset, accrued to the owner (lender or seller) without giving an equivalent counter value or compensation in return to the other party. It is prohibited according to Shari’ah.In lending, it is the extra payment imposed by the lender or promised by the borrower over and above the loan (known as riba qardh). In trade it is mostly the difference in weight in the exchange of gold of different measures of purity, e.g. 10 grams of 750 gold with the 8 grams of 835 gold (known as riba fadhl); or the difference in time between payment and delivery in foreign currency exchange, e.g. payment or RM10,000 on 1st January 2008 and delivery of USD3,800 on 2nd January 2008 (known as riba nasiah).<br /><br /><strong>Sadaqah صدقة</strong> <br /><br />Voluntary charitable giving.<br /><br /><strong>Sarfصرف<br /></strong><br />A contract of buying and selling of currencies.<br /><br /><strong>Shariah شريعة<br /></strong><br />Islamic laws relating to all aspects of human life established by Allah for his servants. The laws are divided into three, i.e. those relating to belief (‘aqidah), those relating to deeds (fiqh) and those relating to ethics (akhlaq). In this meaning, Shari’ah is another word for Islam.<br /><br /><strong>Suftajah سفتجة</strong><br /><br />Bill of Exchange.<br /><br /><strong>Sukuk صكوك</strong> <br /><br />Asset backed bonds which are structured in accordance with Shariah. Sukuk evidencing an undivided pro-rata ownership of underlying asset. Most of these bonds may be traded in the market, depending upon how they are structured; at par, premium or discount.<br /><br /><strong>Sunnah سنة</strong> <br /><br />Refer to Hadith.<br /><br /><strong>Ta’widh تعويض</strong><br /><br />Compensation agreed upon by the contracting parties as a payment that can be claimed by the creditor when the debtor defaults in the payment of his debt. Shariah Advisory Council of Bank Negara Malaysia decided that the ta’widh may be imposed on the defaulting debtor who fails to meet his obligation to pay the financing based on the following conditions:i. The amount of ta’widh cannot exceed the actual loss suffered by the financier;ii. The determination of compensation is made by a third party, which is Bank Negara Malaysia; andiii. The default or delay of payment is due to negligence on the part of the debtor.<br /><br /><strong>Tadlis al-‘aib تدليس العيب<br /></strong><br />An act of a seller intentionally hiding the defects of goods, which is clearly prohibited by Shari’ah.<br /><br /><strong>Takaful تكافل</strong><br /><br />Shari’ah compliant insurance i.e. a protection plan based on Shari’ah requirements (concept of sharing and protecting of one another via contribution to a pool by taking advantage of a sizeable group). A person becomes a participant by undertaking a contract of tabarru’ and paying a participative contribution (tabarru’) to a common takaful fund whereby he allows his contributions to be used to help other participants whenever they suffer defined losses. The commercial contracts of mudharabah and wakalah are incorporated into tabarru’ contracts to increase the size of the takaful fund.<br /><br /><strong>Tanajush تناجش<br /></strong><br />A conspiracy between a seller and a buyer wherein the seller is willing to sell the asset at a price higher than that of the market. This is done so that others world rush to buy the asset at a higher price, resulting in the seller obtaining a huge profit. This act is clearly prohibited by Shari’ah.<br /><br /><strong>Tawarruq تورق<br /></strong><br />It is the purchase of a commodity (i.e the subject matter of tawarruq) on deferred payment basis by way of either bai’ musawamah or bai’ murabahah. The commodity is then sold for cash to a party other than the original seller. In personal financing, a customer buys a commodity from the bank on a deferred payment basis and the immediately resells it for cash (wariq) to a third party. In this way, the customer can obtain cash without taking out an interest-based loan.<br /><br /><strong>Ujrah أجرة</strong> <br /><br />A payment for manfa’ah i.e. usufruct on the use of another’s property. Another term related to ujrah is ajr (plural ujur), which refers to payment for a service. It is also applied to salary, wage, pay, fee(s), charge, enrolment, honorarium, remuneration, reward, etc.<br /><br />‘<strong>Uqud Ishtirak عقود الإشتراك<br /></strong><br />Contracts of participation or partnership.<br /><br />‘<strong>Uqud Mua’wadat عقود المعاوضات<br /></strong><br />Contracts of exchange.<br /><br /><strong>‘Uqud Tabarru’at عقود التبرعات</strong> <br /><br />Contracts of gift or donation.<br /><br /><strong>Usul Fiqh فقه</strong> <br /><br />Also called Islamic jurisprudence, i.e. the discipline of knowledge and methodologies of understanding and interpreting Shari’ah.<br /><br /><strong>Wadī’ah وديعة<br /></strong><br />Safe custody. Originally, safe custody is referred to as wadi’ah yad amanah, i.e. trustee custody, which according to Shari’ah, the trustee custodian has the duty to safeguard the property held in trust. Wadi’ah yad amanah changes to wadi’ah yad dhamanah (guaranteed custody) when the trustee custodian violates the conditions to safeguard the property. He (the custodian) then has to guarantee the property.<br /><br /><strong>Wakalah وكالة<br /></strong><br />A contract of appointment of an agent whereby a person appoints another to act on his behalf.<br /><br /><strong>Waqf وقف<br /></strong><br />An endowment or a charitable trust set up for Islamic purposes (usually for education, mosques, or for the poor). It involves tying up a property in perpetuity so that it cannot be sold, inherited, or donated to anyone.<br /><br /><strong>Zakat زكاة<br /></strong><br />A religious obligation of alms-giving on a Muslim to pay a certain amount of his wealth annually to one of the eight categories of needy Muslims (asnaf). The objective is to take away a part of the wealth of the well-to-do to be distributed among the asnaf. According to the Shari’ah, zakat purities wealth and souls.Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-42772845111143163192010-12-12T15:49:00.002+08:002010-12-12T16:05:12.081+08:00Teguran Itu Penting<div align="center"> <span style="font-size:85%;"><span style="font-size:130%;"><span style="color:#008000;">Teguran</span> Itu <span style="color:#ff0000;">Penting</span></span><br />www.iluvislam.com</span><br /><br /></div> <p style="font-weight: bold;"> <span style="font-size:85%;"> </span> <span class="quote">Orang yang dapat menegur orang lain adalah orang yang sedia menerima teguran orang lain </span> </p> <p> <span style="font-size:85%;">Ayat diatas adalah antara kata-kata cerdik pandai mengenai orang yang menegur dan ditegur. Teguran boleh berlaku di mana-mana, berlaku di dalam pemerintahan kerajaan, di dalam syarikat-syarikat, di dalam persatuan-persatuan, di sekolah. Dalam rumahtangga juga berlaku, bapa menegur anak, isteri ditegur suami, dan lain-lain. Makna katanya teguran itu berlaku di mana-mana sahaja.</span> </p> <span style="font-size:85%;"><br /></span><strong><span style="font-size:85%;">Membina dan Meroboh </span></strong> <p> <span style="font-size:85%;">Teguran boleh dibahagi kepada dua secara asasnya, teguran yang membina dan yang statik dan jumud. Manusia keseluruhannya mengharapkan teguran yang membina bukan yang statik. Tetapi tidak kurang juga yang tidak lansgsung suka ditegur.</span> </p> <p> <span style="font-size:85%;">Sifat manusia yang diketahui ialah, hanya bersedia ditegur apabila dia yang membutuhkan teguran tersebut. Contohnya, Si A pergi ke Si B dan ingin meminta teguran atau nasihat, ketika itu apa sahaja yang dikatakan oleh Si B akan di dengari dengan berlapang dada.</span> </p> <div align="justify"> <span style="font-size:85%;">Lain pula sekiranya seseorang yang tidak memerlukan teguran, tiba-tiba ditegur. Hanya setengah orang yang berjiwa besar sahaja yang boleh menerima teguran spontan tersebut, Manakala yang berjiwa kecil, akan terasa dan terus terseksa hati.</span><br /></div> <p> <strong><span style="font-size:85%;">Orang yang Menegur</span></strong> </p> <p> <span style="font-size:85%;">Manusia memang tidak pernah lari daripada melakukan kesalahan, yang berbeza hanya banyak dan sedikit. Tetapi biarlah orang yang cuba menegur tersebut adalah orang yang minimum kesalahannya supaya teguran yang diberikan itu bersifat <em>trully</em> dan hidup. </span> </p> <p> <span style="font-size:85%;">Jangan jadi seperti ketam yang mengajar anaknya berjalan lurus. Sesuatu yang agak pelik apabila penagih dadah tegar mengajar atau menegur orang lain pergi ke masjid, walhal mereka sendiri masih terkontang kanting ditepi longkang dalam kotak.</span> </p> <div align="justify"> <span style="font-size:85%;">Sebab itu kalau kita suka menegur, kita mesti pastikan teguran itu di tuju ke arah kita terlebih dahulu, kemudian baru ke orang lain.<br /></span><span style="font-size:85%;"><strong><br />Orang yang Ditegur</strong><br /></span></div> <p></p><div align="justify"> <span style="font-size:85%;"> Teguran itu kebiasaannya bersifat membina, kerana apa yang tidak kita sedar kadang-kadang orang lain sudah sedar terlebih dahulu, persepsi kita lain, persepsi orang, lain. Sebab itu apabila ditegur, jangan terlalu cepat melenting dan menolak teguran tersebut. Kalau begitu, anda adalah orang paling rugi, kerana anda berpeluang membina diri anda tetapi awal-awal lagi anda sudah merobohkannya.</span><br /></div> <div align="justify"> <span style="font-size:85%;"><br />Kata Hukama, "Orang biasa akan marah apabila dikritik oleh orang lain, manakala orang yang mulia ialah mereka yang memperbaiki diri daripada kritikan orang lain. Seharusnya begini lah resam kehidupan kita".</span> </div> <p><span style="font-size:85%;">Manusia memerlukan 'cermin' bagi bagi meneliti diri. Orang disekeliling adalah cermin bagi kita. Cuba bayangkan anda bercukur misai tanpa bercermin. Bukankah susah?. </span></p><p><strong><span style="font-size:85%;">Yang Paling Penting</span></strong> </p> <p> <span style="font-size:85%;">Setiap orang yang menegur pasti sedia juga ditegur. Ramai yang tidak mampu lakukan ini. Hanya suka menegur tetapi tidak pula suka ditegur. Sebab itu penting apabila menegur isyaratkan terlebih dahulu, teguran itu adalah terlebih dahulu untuk diri sendiri.</span> </p> <p> <span style="font-size:85%;">Ingat! Apabila anda menuding jari terhadap kesilapan orang lain, sebenarnya 3 jari anda telah menuding kepada diri anda sendiri. Itu adatnya.</span></p><p>Ada pepatah mengatakan.....</p><p> <br /></p><p> Kenapa salahkan gigi,</p><p> Apabila lidah tergigit,</p><p> Sedangkan gigi tak pernah bergerak.</p><p><br /></p><p> Kenapa salahkan gigi ,</p><p> Apabila gigi terasa sakit,</p><p> Sedangkan lidahlah yang enak,</p><p> Mengecapi manisnya gula-gula.</p><p><br /></p><p> Kenapa manusia suka,</p><p> Bersikap seperti lidah,</p><p> Selalu menyalahkan orang lain,</p><p> Sedangkan kesilapan diri sendiri,</p><p> Tidak pernah kita sedari...</p><p><br /></p><p>Renung-renungkanlah.....semoga ada manfaat yang boleh kita perolehi.....</p><p><br /></p>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-11557621155303587362010-12-10T18:36:00.002+08:002010-12-10T18:47:35.243+08:00Peristwa Bersejarah Di Bulan Muharam<a title="Read Peristiwa Bersejarah Di Bulan Muharam" href="http://lauthfi.wordpress.com/2008/01/09/peristiwa-bersejarah-di-bulan-muharam/" rel="bookmark">Peristiwa Bersejarah Di Bulan Muharam</a><br /><br />Bulan Muharam merupakan bulan keberkatan dan rahmat kerana bermula dari bulan inilah berlakunya segala kejadian alam ini. Bulan Muharam juga merupakan bulan yang penuh sejarah, di mana banyak peristiwa yang berlaku sebagai menunjukkan kekuasaan dan kasih sayang Allah kepada makhluk-nya.<br /><br />Pada bulan ini juga, Allah mengurniakan mujizat kepada Nabi-Nabi-nya sebagai penghormatan kepada mereka dan juga limpah kurnianya yang terbesar iaitu ampunan dan keredhaan bagi hambanya. Sebagai tanda kesyukuran kepadanya, maka hamba-hambanya mempersembahkan ibadah mereka (antara mereka dengan Allah) sebagai hadiah kepada Allah, namun dengan itu, masih belum dapat lagi membalas kurniaan Allah yang sungguh bernilai.<br /><br />Said bin Jubair dari Ibnu Abbas r.a berkata: Ketika Nabi saw baru berhijrah ke Madinah, maka mereka dapati kaum Yahudi berpuasa pada hari Asyura (10 Muharam). Maka mereka pun bertanya kepada kaum Yahudi tentang puasa mereka itu. Mereka menjawab, “Hari ini Allah SWT memenangkan Musa dan Bani Israel terhadap Firaun dan kaumnya, maka kami berpuasa sebagai mengagungkan hari ini. Maka sabda Nabi saw: “Kami lebih layak mengikuti jejak langkah Musa dari kamu.”<br /><br />Maka Nabi saw pun menyuruh para sahabat agar berpuasa. Antara lain kelebihan 10 Muharam ialah barangsiapa yang melapangkan rezeki pada keluarganya, maka Allah akan meluaskan rezekinya sepanjang tahun ini. Terdapat juga sebuah hadis meriwayatkan, “Barangsiapa yang berpuasa pada hari Asyura, maka dapat menebus dosa satu tahun.” Maksud hadis ini ialah hari yang kesepuluh Muharam (Asyura) merupakan hari dan bulan kemuliaan kerana pada sesiapa yang berpuasa pada hari inilah, Allah membersihkan dan menebus dosa-dosa mereka yang lampau.<br /><br />Bulan Muharam merupakan satu-satunya bulan yang teristimewa kerana banyak peristiwa yang bersejarah berlaku pada bulan ini disamping ganjaran pahala yang besar kepada sesiapa yang beribadah pada bulan ini sepertimana terdapat dalam satu hadist. “Sesiapa yang berpuasa pada hari Asyura (10 Muharam), maka Allah akan memberi kepadanya pahala sepuluh ribu malaikat dan juga akan diberi pahala sepuluh ribu orang berhaji dan berumrah dan sepuluh ribu orang mati syahid. Dan sesiapa yang mengusap kepala anak yatim pada hari Asyura, maka Allah akan menaikkan dengan tiap anak rambut satu darjat. Sesiapa yang memberi buka puasa pada semua umat Muhammad saw dan mengenyangkan perut mereka.” Sahabat pun bertanya, “Ya Rasulullah, Allah telah melebihkan hari Asyura, dan menjadikan bukit dari lain-lain hari.” Jawab Rasulullah, “benar, Allah telah menjadikan langit dan bumi pada hari Asyura, dan menjadikan bukit-bukit pada hari Asyura dan menjadikan laut pada hari Asyura dan menjadikan Loh Mahfuz dan Qalam pada hari Asyura dan juga menjadikan Adam dan Hawa pada hari Asyura, dan menjadikan syurga dan neraka serta memasukkan Adam ke syurga pada hari Asyura, dan Allah menyelamatkannya dari api pada hari Asyura dan menyembuhkan dari bala pada Nabi Ayub.<br /><br />Pada hari Asyura juga Allah memberi taubat kepada Adam dan diampunkan dosa Nabi Daud, juga kembalinya kerajaan Nabi Sulaiman pada hari Asyura dan kiamat akan terjadi pada hari Asyura.” Maka pada hari itu ( 10 Muharam) Nabi Adam dan Nabi Nuh a.s berpuasa kerana bersyukur kepada Allah kerana hari itu merupakan hari taubat mereka diterima oleh Allah setelah beratus-ratus tahun lamanya memohom keampunan.<br /><br />Pada hari itu juga, hari pembebasan bagi orang-orang Islam yang telah sekian lama dikongkong oleh Firaun, di mana hari itu mereka diselamatkan dari kejahatan dan kezaliman Firaun yang selama ini mengancam agama dan menggugat iman mereka. Dengan tenggelamnya Firaun, Haman, Qarun dan istana mereka bererti berakhirlah sudah kezaliman musuh-musuh Allah buat masa itu. Terselamatlah tentera Nabi Musa dari musuh dengan mukjizat yang Allah berikan, maka mereka berpuasa kerana kesyukuran yang tidak terhingga kepada Allah swt.<br /><br />Banyak peristiwa bersejarah yang berlaku pada 10 Muharam ini, di mana pada hari inilah, Allah telah memuliakan Nabi-Nabi dengan sepuluh kehormatan.<br /><br />1. Setelah beratus-ratus tahun meminta ampun dan taubat pada Allah, maka pada hari yang bersejarah 10 Muharam inilah, Allah telah menerima taubat Nabi Adam. Ini adalah satu penghormatan kepada Nabi Adam a.s.<br /><br />2. Pada 10 Muharam juga, Nabi Idris a.s telah di bawa ke langit, sebagai tanda Allah menaikkan darjat baginda.<br /><br />3. Pada 10 Muharam, tarikh berlabuhnya perahu Nabi Nuh a.s kerana banjir yang melanda seluruh alam di mana hanya ada 40 keluarga termasuk manusia binatang sahaja yang terselamat dari banjir tersebut. Kita merupakan cucu-cicit antara 40 keluarga tadi. Ini merupakan penghormatan kepada Nabi Nuh a.s kerana 40 keluarga ini sahaja yang terselamat dan dipilih oleh Allah. Selain dari itu, mereka adalah orang-orang yang engkar pada Nabi Nuh a.s.<br /><br />4. Nabi Ibrahim dilahirkan pada 10 Muharam dan diangkat sebagai Khalilullah (kekasih Allah) dan juga hari di mana baginda diselamatkan dari api yang dinyalakan oleh Namrud. Nabi Ibrahim diberi penghormatan dengan Allah memerintahkan kepada api supaya menjadi sejuk dan tidak membakar Nabi Ibrahim. Maka terselamatlah Nabi Ibrahim dari angkara kekejamanNamrud.<br /><br />5. Pada 10 Muharam ini juga Allah menerima taubat Nabi Daud kerana Nabi Daud merampas isteri orang walaupun bagainda sendiri sudah ada 99 orang isteri, masih lagi ingin isteri orang. Oleh kerana Nabi Daud telah membuatkan si suami rasa kecil hati, maka Allah turunkan dua malaikat menyamar sebagai manusia untuk menegur dan menyindir atas perbuatan Nabi Daud itu. Dengan itu sedarlah Nabi Daud atas perbuatannya dan memohon ampun pada Allah. Sebagai penghormatan kepada Nabi Daud a.s maka Allah mengampunkan baginda pada 10 Muharam.<br /><br />6. Pada 10 Muharam ini juga, Allah mengangkat Nabi Isa ke langit, di mana Allah telah menukarkan Nabi Isa dengan Yahuza. Ini merupakan satu penghormatan kepada Nabi Isa daripada kekejaman kaum Bani Israil.<br /><br />7. Allah juga telah menyelamatkan Nabi Musa pada 10 Muharam daripada kekejaman Firaun dengan mengurniakan mukjizat iaitu tongkat yang dapat menjadi ular besar yang memakan semua ular-ular ahli sihir dan menjadikan laut terbelah untuk dilalui oleh tentera Nabi Musa dan terkambus semula apabila dilalui oleh Firaun dan tenteranya. Maka tenggelamlah mereka di Laut Merah. Mukjizat yang dikurniakan Allah kepada Nabi Musa ini merupakan satu penghormatan kepada Nabi Musa a.s<br /><br />8. Allah juga telah menenggelamkan Firaun, Haman dan Qarun serta kesemua harta-harta Qarun dalam bumi kerana kezaliman mereka. 10 Muharam, merupakan berakhirnya kekejaman Firaun buat masa itu.<br /><br />9. Allah juga telah mengeluarkan Nabi Yunus dari perut ikan setelah berada selama 40 hari di dalamnya. Allah telah memberikan hukuman secara tidak langsung kepada Nabi Yunus dengan cara ikan Nun menelannya. Dan pada 10 Muharam ini, Allah mengurniakan penghormatan kepada baginda dengan mengampun dan mengeluarkannya dari perut ikan Nun.<br /><br />10. Allah juga telah mengembalikan kerajaan Nabi Sulaiman a.s pada 10 Muharam sebagai penghormatan kepada baginda. Dengan itu, mereka berpuasa dan beribadah kepada Allah sebagai tanda kesyukuran kepada Allah swt. Nabi saw telah bersabda dengan maksudnya: “Saya dahulu telah menyuruh kamu berpuasa sebagai perintah wajib puasa Asyura, tetapi kini terserahlah kepada sesiapa yang suka berpuasa, maka dibolehkan berpuasa dan sesiapa yang tidak sukar boleh meninggalkannya.”<br /><br />Begitulah sabda Rasulullah di mana puasa pada hari Asyura ini sangat-sangat dituntut. Kalau tidak memberatkan umat baginda, maka diwajibkan. Oleh kerana takut memberatkan umatnya, maka hukumnya adalah sunat.<br /><br />Sumber :<br /><a href="http://www.pkpu.or.id/">www.pkpu.or.id</a>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-11699377526320312992010-11-30T13:32:00.001+08:002011-02-19T09:43:06.710+08:00<span class="Apple-style-span" style="font-family: verdana, arial, 'ms sans serif', sans-serif; font-size: 10px; "><div align="center"><span><span>Penyelesa</span><span>ian Atau Pena</span><span><span>m</span>bah Masalah?</span></span><br /><span>www.iluvislam.com</span><br /><em><span><span>Oleh : safiyyah_hatim </span> </span></em><br /><span style="background-color: rgb(128, 0, 128); ">Editor : arisHa27 </span><br /></div><span><br /></span><div align="justify"><span>InsyaAllah saya akan berkongsi berkenaan isu gejala zina dan isu pembuangan bayi. Sebagai seseorang yang melihat daripada jauh dan hanya membacanya di dada akhabar menjadikan saya agak gerun dan sedih. Melihat keadaan masyarakat kini yang masih di dalam keadaan terumbang ambing dengan arus kehidupan yang makin mencabar. Saya yakin ada dalam kalangan kita yang sudah jemu apabila isu buang bayi ini sering kali dipaparkan di media massa.</span><br /><span></span><br /><span>Bilangan kes yang berlaku semakin meningkat dan kebanyakkannya melibatkan remaja-remaja di bawah umur. Kadangkala saya terfikir, mungkin bilangan kes yang dinyatakan itu sebenarnya tidak menggambarkan bilangan sebenar. Mungkin sahaja bilangannya adalah lebih tinggi. Jika benar, maka sebenarnya masyarakat kita semakin parah.</span><br /></div><span><br /></span><div align="center"><span><em><span><div class="quote" style="background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(246, 252, 253); border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(247, 191, 228); border-right-color: rgb(247, 191, 228); border-bottom-color: rgb(247, 191, 228); border-left-color: rgb(247, 191, 228); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; color: rgb(48, 0, 81); font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12px; padding-left: 5px; margin-top: 0px; margin-right: 20px; margin-bottom: 0px; margin-left: 20px; background-position: initial initial; background-repeat: initial initial; ">Andai kita melihat kemalangan jalan raya berlaku di hadapan mata kita, tentu kita terfikir, apalah nasib orang yang cedera parah itu. Ada dua sahaja kemungkinannya. Sama ada hidup dan mati. Dua pilihan ini yang kita nampak. Tapi bagaimana jika rohani manusia itu rosak? Bolehkah kita samakan bahawa individu ini akan terus hidup atau pilihannya mati sahaja?</div></span></em></span></div><span><br /></span><div align="justify"><span>Berurusan dengan manusia memerlukan sentuhan rohani. Saya sendiri pernah melawat tempat perlindungan remaja muslimat yang sudah terlanjur dan sedang menunggu masa untuk melahirkan bayi. Saya lihat wajah keanak-anakkan pada mereka. Mereka masih terlalu muda untuk merasai fitrah menjadi seorang ibu. Di kala kawan-kawan yang lain sibuk belajar, mereka sedang bersedia untuk melahirkan anak. Kasihan. Itu yang mampu saya katakan. Mungkin mereka tidak merasakan apa yang saya rasa. Saya sedih memikirkan punca kejadian seumpanya.</span><br /><span></span><br /><span>Bila ada pihak yang mencadangkan agar remaja yang terlanjur ini dikahwinkan, saya hanya menggelengkan kepala. Penyelesaian kepada <em>"presenting problem"</em> mungkin tidak akan menyelesaikan<em> "root cause"</em>. Seakannya membelikan barang mainan kepada anak yang menangis di pasar malam hanya menjadikan mereka lebih suka menggunakan <em>"trick"</em>tersebut untuk mencapai keiginan mereka pada masa akan datang. </span><br /></div><span><br /></span><div align="center"><img src="http://www.iluvislam.com/v1/includes/jscripts/tiny_mce/plugins/imagemanager/library/2917562366_9f2722e9ed_o.jpg" border="0" width="500" height="466" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; " /></div><span><br /></span><div align="center"><span><em><span>" Kahwin memang penyelesaian yang mudah. Namun, adakah remaja ini bersedia dengan tanggungjawab yang bakal dipikul sesudah kelahiran bayi mereka nanti? "</span></em></span><br /></div><span><br />Persoalan kedua ;<br /><br /></span><div align="center"><em><span>" Andai tidak dikahwinkan, adakah si lelaki akan bertanggungjawab kepada bayi yang dikandung pasangan mereka? "</span></em><br /></div><span><br />Persoalan ketiga ;<br /><br /></span><div align="center"><span><em><span>" Adakah pembinaan rumah perlindungan memberikan kebaikan melebihi keburukan dengan memberi "ruang" untuk terus-terusan melakukan kesalahan? "</span></em></span><br /></div><span><br /></span><div align="center"><em><span>" Adakah penyesalan yang dituntut selepas tinggal di rumah perlindungan ini benar-benar terzahir dari sudut perbuatan? " </span><span><br /><br /></span><span>" Adakah remaja-remaja ini benar-benar berubah? "</span></em><br /></div><span><br /></span><div><span>Saya bukanlah orang yang layak menilai perbuatan orang lain. Saya sedar khilaf saya sebagai manusia biasa yang tidak terlepas dari melakukan kesilapan. Namun, sewajarnya setiap pendekatan yang diambil terarah kepada penyelesaian masalah pokok. Ya, keimanan kepada Allah. Jika dilihat remaja kini, bagaimana mereka? adakah mencukupi ilmu aqidah yang diajar selama ini. Bukan niat saya untuk menyalahkan guru agama, jauh sekali tidak menghargai usaha mereka yang bersungguh -sungguh memahamkan pelajar tentang konsep ketuhanan. Namun, perkara ini perlu diletakkan sebagai perkara utama.</span><br /><span></span><br /><span>Keteguhan iman kepada Allah membendung manusia dari terhanyut dalam keseronokan dunia. Saya sedar bukan sedikit dugaan dan godaan dunia luar. Namun, saya percaya keimanan yang mantap dan yakin bahawa setiap tindakan kita akan dinilai itulah yang mampu membimbing kita melawan arus kemusnahan hidup. Jika semasa kecil kita sering diingatkan ; </span><br /><br /><div align="center"><span><em><span>" Jangan buat tu...nanti Allah marah " </span><br /><br /><span>"Kenapa apabila sudah dewasa perkara tersebut tidak lagi dipercayai dan diimani? Pelik bukan?"</span></em><em><br /></em></span></div><span></span><br /><span>Menjadi tanggungjawab kita sebagai ahli masyarakat untuk mendalami masalah ini. Mungkin kes ini tidak melibatkan ahli keluarga kita. Namun tidak mustahil Allah akan menguji kita suatu hari nanti. Pendapat peribadi saya lebih cenderung untuk menilai kembali sistem kekeluargaan di Malaysia. Bagaimana ibu bapa memainkan peranan untuk mendekati dan memahami anak-anak mereka. Begitu juga dengan tanggungjawab anak-anak terhadap ibu bapa. Betapa banyak kes anak-anak menghantar ibu bapa ke pusat penjagaan orang tua. Semua isu ini sering berkait. Kita menjadi sebahagian daripadanya.</span><br /><span></span><br /><span>Sebagai generasi muda yang akan membina keluarga sendiri nanti. Kita juga akan mempunyai anak dan kita akan diuji dengan pelbagai dugaan. Bagaimana kita akan bertindak ketika itu? fikir-fikirkanlah. Jawapannya terletak kepada kebersediaan kita kini untuk melahirkan generasi Islam yang cemerlang bukan setakat di dunia tetapi turut cemerlang di akhirat. </span><br /></div><span><br /></span><div align="center"><span><em><span>" Apa acuannya? Tentulah syariatullah dan sunnah Nabi SAW. " </span><br /><br /><span>" Senang diungkap namun, bersediakah kita? "</span></em></span><br /></div><span><br /></span><div align="center"><img src="http://www.iluvislam.com/v1/includes/jscripts/tiny_mce/plugins/imagemanager/library/sentuh-bukan-mahram.gif" border="0" width="260" height="542" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; " /></div><span></span><p> </p><div><br /></div><p><fb:like></fb:like></p></span>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-55157137580619255122010-11-30T13:26:00.001+08:002010-11-30T13:32:05.199+08:00We Are All in This Together<span class="Apple-style-span" style="font-family: Verdana, sans-serif; font-size: 11px; color: rgb(87, 87, 87); line-height: 19px; "><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; "></p><p class="h7" style="margin-top: 15px; margin-right: 0px; margin-bottom: 8px; margin-left: 0px; font-family: Arial, sans-serif; font-size: 16px; font-weight: bold; color: rgb(230, 150, 0); line-height: 15pt; font-variant: normal; ">Mentioning Hajj, Its Virtues and an Encouragement to Undertake It</p><div class="metadataText" style="font-family: Verdana, sans-serif; font-size: 10px; line-height: 17px; font-weight: normal; color: rgb(87, 87, 87); padding-left: 6px; margin-top: 0px; margin-right: 0px; margin-bottom: 6px; margin-left: 0px; ">By <strong>Imam Zaid</strong> on 27 October 2009<br />Category: <a href="http://www.newislamicdirections.com/nid/notes_archives/C8/" style="text-decoration: none; font-weight: bold; color: rgb(150, 75, 0); ">Messages</a></div><span class="text" style="font-family: Verdana, sans-serif; font-size: 11px; line-height: 19px; font-weight: normal; color: rgb(87, 87, 87); "><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">We will now continue our translation from Ibn Rajab al-Hanbali’s work, <em>Lata’if al-Ma’arif</em>. In this section, he begins a discussion of the Hajj and some of its virtues, pp. 400-402.</p><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">It is related in the two sound books (Bukhari and Muslim) on the authority of Abu Hurayra, from the Prophet, peace upon him, that he said, “The most virtuous acts are sincere faith in Allah and His Messenger; struggling in the way of Allah; and a righteous pilgrimage.” [17] In reality, these three actions return back to two acts. The first is faith in Allah and His Messenger, which involves the absolute affirmation of the existence of Allah and His Angels, His Scriptures, His Messengers, and Doomsday, as has been explained by the Prophet, peace upon him, in the Hadith where Gabriel questioned him, along with other narrations. Allah has mentioned these pillars of faith in several places in His Scripture, such as the beginning of <em>Sura al-Baqara</em>, its middle and its end.</p><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">The second is struggling in the way of Allah, be He exalted. Allah has connected these two principles at many places in His Scripture, such as His saying, exalted is He, <em>O Believers! Shall I direct you to a commerce that will save you from a painful punishment? Believe in Allah and His Messenger, and struggle in the way of Allah with your wealth and with your lives</em>… (60:10-11) Similarly, <em>Rather, the believers are those who have believed in Allah and His Messenger and have thereafter never doubted; and that have struggled with their wealth and their lives in the way of Allah. They are the truthful.</em> (49:15)</p><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">It has been accurately related from the Prophet, peace upon him, in more than one narration that the most virtuous of deeds is belief in Allah and struggling in the way of Allah. Pure faith, in the view of the righteous forebears and the People of Hadith encompasses the actions of the limbs. As for faith that is coupled with action, what is meant by that is the affirmation of the heart along with the affirmation of the tongue. This is especially true if faith in Allah is linked with faith in His Messenger, peace upon him, as is mentioned in this Hadith [the first one we have quoted above]. Faith firmly established in the heart is the source of every good. With it worldly and otherworldly happiness is obtained, along with salvation from worldly and otherworldly wretchedness.</p><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">When faith is firmly rooted in the heart all of the limbs undertake righteous deeds. The tongue undertakes pleasant speech, as the Prophet, peace upon him, mentioned, “Verily, in the body there is an organ, if it is sound the entire body is sound and if it is corrupt, the entire body is corrupt. Surely, it is the heart.” [18]</p><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">There can be no soundness for the heart without faith in Allah and what it designates of knowledge of Allah and upholding His oneness, His reverence, His love, hoping for good from Him, being remorseful to Him [if one slips into sin] and relying on Him. Hasan [al-Basri] mentioned, “Faith does not come through wishing, nor through pleasantries. Rather, it is what becomes firmly rooted in the heart and is testified to by [righteous] actions.” This meaning is affirmed by Allah’s statement in the Qur’an, exalted is He, <em>Rather, the believers are those who when Allah is mentioned their hearts are rendered reverent; and when His signs are recited unto them they are increased in faith, and they trust in their Lord. They are the believers in truth. They will have special stations with their Lord, forgiveness and an abundant provision</em>. (8:3-4)</p><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">When the servant tastes the sweetness of faith and fully experiences it, its fruit appears on his tongue and limbs. His tongue finds sweetness in the remembrance of Allah and all associated with it. The limbs hasten to obey Allah. It is then that the love of faith enters the heart; just as intensely cold water on an excruciatingly hot day enters the body of one suffering from severe thirst.</p><p style="margin-top: 3px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; ">Leaving faith becomes more hated to the hearts than being hurled into a fire, and more detestable than being slowly tortured to death. It is related from Ibn Mubarak on the authority of Abi al-Darda’ that he entered Medina and said, “What is wrong O People of Medina! I do not sense you manifesting the sweetness of faith. I swear by the one holding my soul in His Hand, if a bear in the forest were to experience the flavor of faith, the sweetness of faith would be visible on him.”</p><div><br /></div></span><p></p></span>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0tag:blogger.com,1999:blog-407320686873028322.post-26738706841603049482010-07-11T22:29:00.006+08:002010-07-12T00:13:40.197+08:00Peristiwa Israk Mikraj<img src="http://www.iluvislam.com/v1/includes/jscripts/tiny_mce/plugins/imagemanager/library/design/gif1.gif" border="0" /><br /><span style="font-style: italic;">Jadikanlah masa yang berlalu itu pengalaman dan pengajaran, masa yang sedang berjalan kita isi dengan amalan dan masa hadapan jangan terlalu diangan-angankan..</span><br /><br /><br />Bismillahirrahmanirrahim..<br /><br />Assalamualaikum w.b.t...<br /><br /><br />Alhamdulillah ditutur tanda syukur kita padaNya kerana kita masih lagi dikurniakan nikmat iman dan islam. Apa khabar <span style="font-style: italic;">iman</span> kita hari ini? Menaik atau menurun? Tepuk dada tanya<span style="font-style: italic;"> iman</span> masing-masing.<br /><br />Tik..tik..tik..masa berdetik pantas. Tanpa sedar atau tidak kita semua sedang berada di bulan Rejab yang istimewa. Artikel kali ini ditulis berkisar peristiwa yang berlaku di sebalik bulan Rejab yang mulia ini. Artikel ini di<span style="font-style: italic;">copy</span> dari laman blog www.faizalr.com. Mari sama-sama kita hayatinya.<br /><br /><br /><span style="font-weight: bold;font-size:130%;" >1. Sebelum Israk dan Mikraj</span><br /><br />Rasulullah S. A. W. mengalami pembedahan dada / perut, dilakukan oleh malaikat Jibrail dan Mika'il. Hati Baginda S. A. W.. dicuci dengan air zamzam, dibuang ketul hitam ('alaqah) iaitu tempat syaitan membisikkan waswasnya. Kemudian dituangkan hikmat, ilmu, dan iman. ke dalam dada Rasulullah S. A. W. Setelah itu, dadanya dijahit dan dimeterikan dengan "khatimin nubuwwah". Selesai pembedahan, didatangkan binatang bernama Buraq untuk ditunggangi oleh Rasulullah dalam perjalanan luar biasa yang dinamakan "Israk" itu.<br /><br /><b><b><img src="http://img133.imageshack.us/img133/4028/kurieekeikhlasan.png" border="0" /><br /><br /></b></b><span style="font-weight: bold;font-size:130%;" >2. Semasa Israk (Perjalanan dari Masjidil-Haram ke Masjidil-Aqsa):</span><br /><br />Sepanjang perjalanan (israk) itu Rasulullah S. A. W. diiringi (ditemani) oleh malaikat Jibrail dan Israfil. Tiba di tempat-tempat tertentu (tempat-tempat yang mulia dan bersejarah), Rasulullah telah diarah oleh Jibrail supaya berhenti dan bersembahyang sebanyak dua rakaat. Antara tempat-tempat berkenaan ialah:<br /><br />i. Negeri Thaibah (Madinah), tempat di mana Rasulullah akan melakukan hijrah. ii. Bukit Tursina, iaitu tempat Nabi Musa A. S. menerima wahyu daripada Allah; iii. Baitul-Laham (tempat Nabi 'Isa A. S. dilahirkan);<br /><br />Dalam perjalanan itu juga baginda Rasulullah S. A. W. menghadapi gangguan jin 'Afrit dengan api jamung dan dapat menyasikan peristiwa-peristiwa simbolik yang amat ajaib. Antaranya :<br /><br />§ Kaum yang sedang bertanam dan terus menuai hasil tanaman mereka. apabila dituai, hasil (buah) yang baru keluar semula seolah-olah belum lagi dituai. Hal ini berlaku berulang-ulang. Rasulullah S. A. W. dibertahu oleh Jibrail : Itulah kaum yang berjihad "Fisabilillah" yang digandakan pahala kebajikan sebanyak 700 kali ganda bahkan sehingga gandaan yang lebih banyak.<br /><br />§ Tempat yang berbau harum. Rasulullah S. A. W. diberitahu oleh Jibrail : Itulah bau kubur Mayitah (tukang sisir rambut anak Fir'aun) bersama suaminya dan anak-anak-nya (termasuk bayi yang dapat bercakap untuk menguatkan iman ibunya) yang dibunuh oleh Fir'aun kerana tetapt teguh beriman kepada Allah (tak mahu mengakui Fir'aun sebagai Tuhan).<br /><br />§ Sekumpulan orang yang sedang memecahkan kepala mereka. Setiap kali dipecahkan, kepala mereka sembuh kembali, lalu dipecahkan pula. Demikian dilakukan berkali-kali. Jibrail memberitahu Rasulullah: Itulah orang-orang yang berat kepala mereka untuk sujud (sembahyang).<br /><br />§ Sekumpulan orang yang hanya menutup kemaluan mereka (qubul dan dubur) dengan secebis kain. Mereka dihalau seperti binatang ternakan. Mereka makan bara api dan batu dari neraka Jahannam. Kata Jibrail : Itulah orang-orang yang tidak mengeluarkan zakat harta mereka.<br /><br />§ Satu kaum, lelaki dan perempuan, yang memakan daging mentah yang busuk sedangkan daging masak ada di sisi mereka. Kata Jibrail: Itulah lelaki dan perempuan yang melakukan zina sedangkan lelaki dan perempuan itu masing-masing mempunyai isteri / suami.<br /><br />§ Lelaki yang berenang dalam sungai darah dan dilontarkan batu. Kata Jibrail: Itulah orang yang makan riba`.<br />§ Lelaki yang menghimpun seberkas kayu dan dia tak terdaya memikulnya, tapi ditambah lagi kayu yang lain. Kata Jibrail: Itulah orang tak dapat menunaikan amanah tetapi masih menerima amanah yang lain.<br /><br />§ Satu kaum yang sedang menggunting lidah dan bibir mereka dengan penggunting besi berkali-kali. Setiap kali digunting, lidah dan bibir mereka kembali seperti biasa. Kata Jibrail: Itulah orang yang membuat fitnah dan mengatakan sesuatu yang dia sendiri tidak melakukannya.<br /><br />§ Kaum yang mencakar muka dan dada mereka dengan kuku tembaga mereka. Kata Jibrail: Itulah orang yang memakan daging manusia (mengumpat) dan menjatuhkan maruah (mencela, menghinakan) orang.<br /><br />§ Seekor lembu jantan yang besar keluar dari lubang yang sempit. Tak dapat dimasukinya semula lubang itu. Kata Jibrail: Itulah orang yang bercakap besar (Takabbur). Kemudian menyesal, tapi sudah terlambat.<br /><br />§ Seorang perempuan dengan dulang yang penuh dengan pelbagai perhiasan. Rasulullah tidak memperdulikannya. Kata Jibrail: Itulah dunia. Jika Rasulullah memberi perhatian kepadanya, nescaya umat Islam akan mengutamakan dunia daripada akhirat.<br /><br />§ Seorang perempuan tua duduk di tengah jalan dan menyuruh Rasulullah berhenti. Rasulullah S. A. W. tidak menghiraukannya. Kata Jibrail: Itulah orang yang mensesiakan umurnya sampai ke tua.<br /><br />§ Seorang perempuan bongkok tiga menahan Rasulullah untuk bertanyakan sesuatu. Kata Jibrail: Itulah gambaran umur dunia yang sangat tua dan menanti saat hari kiamat.<br /><br />Setibanya di masjid Al-Aqsa, Rasulullah turun dari Buraq. Kemudian masuk ke dalam masjid dan mengimamkan sembahyang dua rakaat dengan segala anbia` dan mursalin menjadi makmum.<br /><br />Rasulullah S. A. W. terasa dahaga, lalu dibawa Jibrail dua bejana yang berisi arak dan susu. Rasulullah memilih susu lalu diminumnya. Kata Jibrail: Baginda membuat pilhan yang betul. Jika arak itu dipilih, nescaya ramai umat baginda akan menjadi sesat.<br /><br /><img src="http://img230.imageshack.us/img230/2324/mutiarakatakuriee.png" border="0" /><br /><b><br /><br /><span style="font-size:130%;">3. Semasa Mikraj (Naik ke Hadhratul-Qudus Menemui Allah):</span><br /><br /></b>Didatangkan Mikraj (tangga) yang indah dari syurga. Rasulullah S. A. W. dan Jibrail naik ke atas tangga pertama lalu terangkat ke pintu langit dunia (pintu Hafzhah).<br /><br />. Langit Pertama: Rasulullah S. A. W. dan Jibrail masuk ke langit pertama, lalu berjumpa dengan Nabi Adam A. S. Kemudian dapat melihat orang-orang yang makan riba` dan harta anak yatim dan melihat orang berzina yang rupa dan kelakuan mereka sangat huduh dan buruk. Penzina lelaki bergantung pada susu penzina perempuan.<br /><br />i. Langit Kedua: Nabi S. A. W. dan Jibrail naik tangga langit yang kedua, lalu masuk dan bertemu dengan Nabi 'Isa A. S. dan Nabi Yahya A. S.<br /><br />ii. Langit Ketiga: Naik langit ketiga. Bertemu dengan Nabi Yusuf A. S. iii. Langit Keempat: Naik tangga langit keempat. Bertemu dengan Nabi Idris A. S.<br />iv. Langit Kelima: Naik tangga langit kelima. Bertemu dengan Nabi Harun A. S. yang dikelilingi oleh kaumnya Bani Israil.<br /><br />v. Langit Keenam: Naik tangga langit keenam. Bertemu dengan Nabi-Nabi. Seterusnya dengan Nabi Musa A. S. Rasulullah mengangkat kepala (disuruh oleh Jibrail) lalu dapat melihat umat baginda sendiri yang ramai, termasuk 70,000 orang yang masuk syurga tanpa hisab.<br /><br />vi. Langit Ketujuh: Naik tangga langit ketujuh dan masuk langit ketujuh lalu bertemu dengan Nabi Ibrahim Khalilullah yang sedang bersandar di Baitul-Ma'mur dihadapi oleh beberapa kaumnya. Kepada Rasulullah S. A. W., Nabi Ibrahim A. S. bersabda, "Engkau akan berjumapa dengan Allah pada malam ini. Umatmu adalah akhir umat dan terlalu dha'if, maka berdoalah untuk umatmu. Suruhlah umatmu menanam tanaman syurga iaitu lah HAULA WALA QUWWATA ILLA BILLAH". Mengikut riwayat lain, Nabi Irahim A. S. bersabda, "Sampaikan salamku kepada umatmu dan beritahu mereka, syurga itu baik tanahnya, tawar airnya dan tanamannya ialah lima kalimah, iaitu: SUBHANALLAH, WAL-HAMDULILLAH, WA lah ILAHA ILLALLAH ALLAHU AKBAR dan WA lah HAULA WA lah QUWWATA ILLA BILLAHIL- 'ALIYYIL-'AZHIM. Bagi orang yang membaca setiap kalimah ini akan ditanamkan sepohon pokok dalam syurga". Setelah melihat beberpa peristiwa! lain yang ajaib. Rasulullah dan Jibrail masuk ke dalam Baitul-Makmur dan bersembahyang (Baitul-Makmur ini betul-betul di atas Baitullah di Mekah).<br /><br />vii. Tangga Kelapan: Di sinilah disebut "al-Kursi" yang berbetulan dengan dahan pokok Sidratul-Muntaha. Rasulullah S. A. W. menyaksikan pelbagai keajaiban pada pokok itu: Sungai air yang tak berubah, sungai susu, sungai arak dan sungai madu lebah. Buah, daun-daun, batang dan dahannya berubah-ubah warna dan bertukar menjadi permata-permata yang indah. Unggas-unggas emas berterbangan. Semua keindahan itu tak terperi oleh manusia. Baginda Rasulullah S. A. W. dapat menyaksikan pula sungai Al-Kautsar yang terus masuk ke syurga. Seterusnya baginda masuk ke syurga dan melihat neraka berserta dengan Malik penunggunya.<br /><br />viii. Tangga Kesembilan: Di sini berbetulan dengan pucuk pokok Sidratul-Muntaha. Rasulullah S. A. W. masuk di dalam nur dan naik ke Mustawa dan Sharirul-Aqlam. Lalu dapat melihat seorang lelaki yang ghaib di dalam nur 'Arasy, iaitu lelaki di dunia yang lidahnya sering basah berzikir, hatinya tertumpu penuh kepada masjid dan tidak memaki ibu bapanya.<br /><br />ix. Tangga Kesepuluh: Baginda Rasulullah sampai di Hadhratul-Qudus dan Hadhrat Rabbul-Arbab lalu dapat menyaksikan Allah S. W. T. dengan mata kepalanya, lantas sujud. Kemudian berlakulah dialog antara Allah dan Muhammad, Rasul-Nya:<br /><br />Allah S. W. T : Ya Muhammad. Rasulullah : Labbaika. Allah S. W. T : Angkatlah kepalamu dan bermohonlah, Kami perkenankan. Rasulullah : Ya, Rabb. Engkau telah ambil Ibrahim sebagai Khalil dan Engkau berikan dia kerajaan yang besar. Engkau berkata-kata dengan Musa. Engkau berikan Dawud kerajaan yang besar dan dapat melembutkan besi. Engkau kurniakan kerajaan kepada Sulaiman yang tidak Engkau kurniakan kepada sesiapa pun dan memudahkan Sulaiman menguasai jin, manusia, syaitan dan angin. Engkau ajarkan 'Isa Taurat dan Injil. Dengan izin-Mu, dia dapat menyembuhkan orang buta, orang sufaq dan menghidupkan orang mati. Engkau lindungi dia dan ibunya daripada syaitan. Allah S. W. T : aku ambilmu sebagai kekasih. Aku perkenankanmu sebagai penyampai berita gembira dan amaran kepada umatmu. Aku buka dadamu dan buangkan dosamu. Aku jadikan umatmu sebaik-baik umat. Aku beri keutamaan dan keistimewaan kepadamu pada hari qiamat. Aku kurniakan tujuh ayat (surah Al-Fatihah) yang tidak aku kurniakan kepada sesiapa sebelummu. Aku berikanmu ayat-ayat di akhir surah al-Baqarah sebagai suatu perbendaharaan di bawah 'Arasy. Aku berikan habuan daripada kelebihan Islam, hijrah, sedekah dan amar makruf dan nahi munkar. Aku kurniakanmu panji-panji Liwa-ul-hamd, maka Adam dan semua yang lainnya di bawah panji-panjimu. Dan aku fardhukan atasmu dan umatmu lima puluh (waktu) sembahyang.<b><br /><br /><img src="http://img329.imageshack.us/img329/8710/kurieeiman.png" border="0" /><br /><b><br /><br /><br /></b><span style="font-size:130%;">4.</span></b> Selesai munajat, Rasulullah S. A. W. di bawa menemui Nabi Ibrahim A. S. kemudian Nabi Musa A. S. yang kemudiannya menyuruh Rasulullah S. A. W. merayu kepada Allah S. W. T agar diberi keringanan, mengurangkan jumlah waktu sembahyang itu. Selepas sembilan kali merayu, (setiap kali dikurangkan lima waktu), akhirnya Allah perkenan memfardhukan sembahyang lima waktu sehari semalam dengan mengekalkan nilainya sebanyak 50 waktu juga.<b><b><br /><br /><span style="font-size:130%;">5. Selepas Mikraj</span><br /><br /></b></b>Rasulullah S. A. W. turun ke langit dunia semula. Seterusnya turun ke Baitul-Maqdis. Lalu menunggang Buraq perjalanan pulang ke Mekah pada malam yang sama. Dalam perjalanan ini baginda bertemu dengan beberapa peristiwa yang kemudiannya menjadi saksi (bukti) peristiwa Israk dan Mikraj yang amat ajaib itu (Daripada satu riwayat peristiwa itu berlaku pada malam Isnin, 27 Rejab, kira-kira 18 bulan sebelum hijrah). Wallahu'alam.<br /><br />(Sumber : Kitab Jam'ul-Fawaa`id)<br /><br />Kesimpulannya, peristiwa Israk dan Mikraj bukan hanya sekadar sebuah kisah sejarah yang diceritakan kembali setiap kali 27 Rejab menjelang. Adalah lebih penting untuk kita menghayati pengajaran di sebalik peristiwa tersebut bagi meneladani perkara yang baik dan menjauhi perkara yang tidak baik. Peristiwa Israk dan Mikraj yang memperlihatkan pelbagai kejadian aneh yang penuh pengajaran seharusnya memberi keinsafan kepada kita agar sentiasa mengingati Allah dan takut kepada kekuasaan-Nya.<br /><br />Seandainya peristiwa dalam Israk dan Mikraj ini dipelajari dan dihayati benar-benar kemungkinan manusia mampu mengelakkan dirinya daripada melakukan berbagai-bagai kejahatan. Kejadian Israk dan Mikraj juga adalah untuk menguji umat Islam (apakah percaya atau tidak dengan peristiwa tersebut). Orang-orang kafir di zaman Nabi Sallallahu Alaihi Wasallam langsung tidak mempercayai, malahan memperolok-olokkan Nabi sebaik-baik Nabi bercerita kepada mereka.<br /><br />Peristiwa Israk dan Mikraj itu merupakan ujian dan mukjizat yang membuktikan kudrat atau kekuasaan Allah Subhanahu Wataala. Allah Subhanahu Wataala telah menunjukkan bukti-bukti kekuasaan dan kebesaran-Nya kepada Baginda Sallallahu Alaihi Wasallam.<br /><b><b><br /></b></b><div style="font-weight: bold;font-family:georgia;" dir="RTL" align="center"><b><b><span id="fon0" class="Arabic" style=";font-size:180%;color:Green;" ><span id="mspan0">سُوۡرَةُ بنیٓ اسرآئیل / الإسرَاء<br />بِسۡمِ ٱللهِ ٱلرَّحۡمَـٰنِ ٱلرَّحِيمِ<br /><br /></span></span></b></b></div><div style="text-align: center;font-family:arial;"><b><b><span style="font-weight: bold; color: rgb(0, 0, 0);font-family:georgia;font-size:180%;" id="fon1" class="Arabic" ><span id="mspan1">سُبۡحَـٰنَ ٱلَّذِىٓ أَسۡرَىٰ بِعَبۡدِهِۦ لَيۡلاً۬ مِّنَ ٱلۡمَسۡجِدِ ٱلۡحَرَامِ إِلَى ٱلۡمَسۡجِدِ ٱلۡأَقۡصَا ٱلَّذِى بَـٰرَكۡنَا حَوۡلَهُ ۥ لِنُرِيَهُ ۥ مِنۡ ءَايَـٰتِنَآۚ إِنَّهُ ۥ هُوَ ٱلسَّمِيعُ ٱلۡبَصِيرُ<br /></span></span><span style="font-weight: bold; color: rgb(0, 0, 0);font-family:georgia;font-size:180%;" id="fon1" class="Arabic" ><span id="mspan1"></span></span><span style="font-weight: bold; color: rgb(0, 0, 0);font-family:georgia;font-size:180%;" id="fon1" class="Arabic" ><span id="mspan1">(١</span></span><span style="font-weight: bold; color: rgb(0, 0, 0);font-family:georgia;font-size:180%;" id="fon1" class="Arabic" ><span id="mspan1"></span></span><span style="font-weight: bold; color: rgb(0, 0, 0);font-family:georgia;font-size:180%;" id="fon1" class="Arabic" ><span id="mspan1"></span></span><span style="font-weight: bold; color: rgb(0, 0, 0);font-family:georgia;font-size:180%;" id="fon1" class="Arabic" ><span id="mspan1"></span></span></b></b></div>Mafhum Firman Allah S. W. T. : "Maha Suci Allah yang telah memperjalankan hamba-Nya pada suatu malam dari Al-Masjidil Haram ke Al-Masjidil Aqsa yang telah kami berkati sekelilingnya agar Kami perlihatkan kepadanya sebahagian dari tanda-tanda kebesaran Kami. Sesungguhnya Dia adalah Maha Mendengar lagi Maha Melihat."<br />(Surah Al-Israa': Ayat 1).<br /><br />wallahua'lam..<br /><br />*<a href="http://www.iluvislam.com/v1/readarticle.php?article_id=2730">Klik di sini</a> untuk peristiwa lain yang juga berlaku di bulan Rejab ini.<br />*Semoga artikel kali ini mampu memberi kesan kepada diri kita supaya terus koreksi diri ke arah kebaikan.<br />*Maaf jika terdapat kekurangan dalam penyampaian.<b><b><br /></b></b><br /><img src="http://j1.tagstat.com/image04/7/3c81/000k000pPO1.jpg" border="0" /><br /><br /><b><b><br /><br /></b></b>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com1tag:blogger.com,1999:blog-407320686873028322.post-33565413623964249252010-07-01T22:22:00.008+08:002010-07-02T00:42:42.386+08:00Klik-klik<img src="http://i690.photobucket.com/albums/vv268/iluvislamdesign/lain-lain/testimonial-nakkawan.jpg?t=1271133464" border="0" /><br /><b><br /></b><span style="font-style: italic;">Pergaulan mempengaruhi didikan otak.Oleh itu, untuk kebersihan jiwa hendaklah bergaul dengan orang-orang beradab dan berbudi mulia yang dapat kita kutip manfaatnya. (Hamka).</span><br /><br />Bismillahirrahmanirrahim..<br /><br />Assalamualaikum w.b.t..<br /><br />Sudah berminggu lamanya blog ini sunyi dari khabar beritanya. Berminggu juga lamanya sudah kami semua(sem 2&sem 4) menamatkan pengajian kami di IKIP International College bagi sesi 09/10. Tahniah diucapkan buat semua ahli <span style="font-style: italic;">Permaiya</span>. Tahniah juga buat semua<span style="font-style: italic;"> senior</span> yang berjaya mengharungi 2 tahun pengajian di IKIP dengan jayanya. Selamat maju jaya di Universiti Yarmouk nanti untuk tahun pengajian yang berikutnya. Nanti kami pula ya..he2. Amin..<br /><br /><span style="font-weight: bold;font-size:130%;" ><span>Banyak Cerita</span></span><br /><br />Banyak yang telah berlaku dalam masa perkenalan kita dalam dua tahun ini. Ada suka, ada duka, ada pahit, ada manis, tetapi apabila semuanya digaul dan dicampur dengan karenah-karenah kita, semuanya menjadi satu ramuan unik yang hanya kita yang mampu merasainya.<span style="font-style: italic;"> Banin</span> dan <span style="font-style: italic;">banat</span>, keduanya sama sahaja. Ada sahaja peristiwa yang mencuit hati, yang mengguris hati dan bermacam lagi. Itulah kita. Unik!<br /><br /><img src="http://i690.photobucket.com/albums/vv268/iluvislamdesign/emeralda/emeralda67.png" border="0" /><br /><br /><br />Ada juga aktiviti yang dijalankan semenjak dari selepas tamatnya <span style="font-style: italic;">imtihan nihaie</span> kita. Pembubaran MT Permaiya, Haflah Wida`, Baktisiswa dan Lawatan ke Kuala Lumpur. Maaf buat semua kerana saya tidak dapat menulis post aktiviti tersebut dengan terperinci. Biarlah gambar yang saya sertakan sahaja yang menceritakannya ya.<br /><br /><span><span style="font-weight: bold;font-size:130%;" >Aktiviti Semasa Cuti</span><br /><br /></span>Rata-rata rakan-rakan semuanya bekerja menempuh cuti semester selama 4 bulan ini. Tidak kurangnya ada juga yang pergi menuntut ilmu. Ada juga yang menjadi fasilitator KIBA. Ada juga yang menjalankan amanah sebagai MPP IKIP. Apa yang penting adalah setiap pekerjaan itu dilakukan dengan<span style="font-style: italic;"> istiqamah</span>.<br /><div class="article-content"> <h1 align="center"><span style="color: rgb(0, 0, 0);">عن أبي عمرو وقيل أبي عمرة سفيان بن عبد الله t قال: قلت یا رسول الله! قل لي في</span></h1><h1 align="center"><span style="color: rgb(0, 0, 0);">الإسلام قولا لا أسأل عنه أحد غيرك. قال : (( قل آمنت بالله ثم استقم )) رواه مسلم.</span></h1><p> </p><p><span style="color: rgb(0, 0, 0);">Daripada Abu `Amru - atau digelar juga Abu `Amrah - Sufian ibn Abdullah r.a. beliau berkata: Aku berkata: Wahai Rasulullah! Ajarkan untukku dalam lslam suatu ucapan yang aku tidak perlu lagi bertanya kepada orang lain selainmu. Baginda bersabda: Ucapkanlah: Aku beriman kepada Allah. Kemudian hendaklah engkau beristiqamah. Hadis riwayat al-lmam Muslim.</span></p><div align="center"><strong><span style="color: rgb(255, 0, 0);">Pokok Perbincangan Hadis :</span></strong></div><div align="center"> </div><p><span style="color: rgb(0, 0, 0);">1) Makna Istiqomah : </span></p><p><span style="color: rgb(0, 0, 0);"> - perbetulkan aqidah </span></p><p><span style="color: rgb(0, 0, 0);"> - beriltizan dalam melaksanakan ketaatan kepadaNya. </span></p><p><span style="color: rgb(0, 0, 0);"> - (Qurtubi) betul I’tiqad, kata-kata dan perbuatan </span></p><p><span style="color: rgb(0, 0, 0);"> - beriltizam. (Fusshilat : 30). </span></p><p><span style="color: rgb(0, 0, 0);">2) Kelebihan Istiqomah : </span></p><p><span style="color: rgb(0, 0, 0);"> - diperluas/mudahkan rezeki di dunia (Fusshilat : 30-32) (al-Jin : 16). </span></p><p><span style="color: rgb(0, 0, 0);"> - diberi keamanan ketika mati, di kubur dan ketika dibangkitkan. </span></p><p><span style="color: rgb(0, 0, 0);"> - dihilangkan kesedihan berpisah dengan keluarga. </span></p><p><span style="color: rgb(0, 0, 0);"> - didatangkan khabar gembira (pengampunan dosa), (amal diterima) dan (syurga). </span></p><p><span style="color: rgb(0, 0, 0);">3) Istiqomah di atas Jalan yang Lurus : </span></p><p><span style="color: rgb(0, 0, 0);"> - perintah Allah untuk nabi dan ummatnya supaya menepatu syara’ (Hud : 112).</span></p><p><span style="color: rgb(0, 0, 0);"> i) Istiqomah Hati : - sebagai Raja kepada Jasad, Istiqomahnya akan menentukan istiqomah yg lain. </span></p><p><span style="color: rgb(0, 0, 0);"> ii) Istiqomah Lidah :</span></p><p><span style="color: rgb(0, 0, 0);"> - sebagai penterjemah kepada Hati/ juga punca kecelakaan kepada tuannya. </span></p><p><span style="color: rgb(0, 0, 0);"> - sebagai renungan (qoof : 18), (al-Isra’ : 36). </span></p><p><span style="color: rgb(0, 0, 0);"><strong>Pengajaran hadis:</strong> </span></p><p><span style="color: rgb(0, 0, 0);">(1) Hadis menuntut agar seorang mukmin sentiasa mengambil berat soal lman, tauhid dan aqidahnya, selalu memperbaharui imannya kepada Allah, seterusnya beristiqamah menunaikan tuntutan lman yang didakwa itu. </span></p><p><span style="color: rgb(0, 0, 0);">(2) lstiqamah bererti melalui suatu jalan yang lurus, jitu dan tepat. </span></p><p><span style="color: rgb(0, 0, 0);">(3) lstiqamah dalam menunaikan tuntutan lman adalah suatu jihad. Ramai orang lslam yang hanya mengaku beriman namun gagal lstiqamah menunaikan tuntutan lman. </span></p><p><span style="color: rgb(0, 0, 0);">(4) lman dan lslam mempunyai konsep pelaksanaan yang mudah tanpa berbelit-belit atau sukar difahami. Seseorang hanya dituntut beriman kemudian beristiqamah melaksanakan lslamnya tanpa berfalsafah. Amal dan lstiqamah menjadi sulit hanya apabila iman yang diukir hanya di bibir atau di hujung lidah semata-mata.</span></p> </div><span><span style="font-weight: bold;font-size:130%;" >Result</span><br /><br /></span>Dup dap..dup dap..<span><br /></span>Bila result keluar?Minggu depan?Bulan depan?<span>..<br /></span>Tarikh sebenar masih lagi menjadi tanda tanya<span>.<br /></span>Jadi, dalam <span style="font-style: italic;">fatrah</span> penantian kita semua result final exam, perbanyakkanlah tawakkal kita kepada Allah, mudah-mudahan kita semua berjaya mendapat keputusan yang dinginkan. Doa sebagai ikhtiar terakhir kita setelah menggembleng segala tenaga dan usaha kita.<span> </span><br /><span><br /></span>Akhir kata, selamat menempuh cuti semester <span style="font-style: italic;">antum</span> semua dengan jayanya dan<span style="font-style: italic;"> all the best</span> untuk result kita semua. Saya akhiri post kali ini dengan pantun <span style="font-style: italic;">special </span>untuk <span style="font-style: italic;">seniors</span>.<br /><br /> DARI MANA HENDAK KEMANA,<br />TINGGI RUMPUT DARI KEPADI,<br />HARI MANA BULAN YANG MANA,<br />DAPAT KITA BERTEMU LAGI<br /><br />ORANG ACEH SEDANG SEMBAHYANG,<br />HARI JUMAAT TENGAH HARI,<br />PERGILAH KASIH PERGILAH SAYANG,<br />PANDAI-PANDAI MENJAGA DIRI<br /><br />BINTANG BARAT TERBITAN PETANG,<br />BINTANG IMUR TERBITAN PAGI,<br />JIKATIDAK MELARAT PANJANG,<br />ADA UMUR KETEMU LAGI..<br /><br />Sekian, wassalam..<br /><br />*gambar tidak banyak di upload disebabkan kekurangan sumber..maaf ya.<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJEm_Jx0RmoTXfQorQaq8S2Pbxx00-tPNlRhl2T9N9fJlhOB_SO7IL843ydKtAEQC55ohSEc_ouu6EcQ217IqU3GZ0en9EuYipSvoQygxI5oE3mxB5szHQJ3guHk5_Ncjvpu62wYozgcai/s1600/DSC01720.JPG"><img style="cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJEm_Jx0RmoTXfQorQaq8S2Pbxx00-tPNlRhl2T9N9fJlhOB_SO7IL843ydKtAEQC55ohSEc_ouu6EcQ217IqU3GZ0en9EuYipSvoQygxI5oE3mxB5szHQJ3guHk5_Ncjvpu62wYozgcai/s400/DSC01720.JPG" alt="" id="BLOGGER_PHOTO_ID_5488975715664581346" border="0" /></a><br /><span style="font-style: italic;">haflah wida`</span>..seniors bersama para pensyarah yang disayangi..<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTMpmcIwiLmy-5U4iuGIJlePrel4_WrvuwhLq5MH71CisM6vrr6C0FkwQ70eahHWSEcV6h3KSn-RvgdB75p1CS5DuWM2-dmm5xjqWMxB2awr3FrEzKs5ID0nsmWy8M_PLXncwv0kQaCBVy/s1600/DSC00010.JPG"><img style="cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTMpmcIwiLmy-5U4iuGIJlePrel4_WrvuwhLq5MH71CisM6vrr6C0FkwQ70eahHWSEcV6h3KSn-RvgdB75p1CS5DuWM2-dmm5xjqWMxB2awr3FrEzKs5ID0nsmWy8M_PLXncwv0kQaCBVy/s400/DSC00010.JPG" alt="" id="BLOGGER_PHOTO_ID_5488975727510810370" border="0" /></a><br />Baktisiswa Gemilang 2010..persembahan silat anak-anak Kg.Spg.Sepayang..<br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyj-JLpt-ShpYQ2lyf6nYB6HOXtVyKuEKCqPoN3EIcyYJOeZmKTSczyc_6hjZ98XH_0BfXdehxValbXulkX36RAOTxeqmgZ4sfTDxBILr-NGEIF6W-K7zGXF7AibrLTjABzlpnko3gFtvK/s1600/DSC00013.JPG"><img style="cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyj-JLpt-ShpYQ2lyf6nYB6HOXtVyKuEKCqPoN3EIcyYJOeZmKTSczyc_6hjZ98XH_0BfXdehxValbXulkX36RAOTxeqmgZ4sfTDxBILr-NGEIF6W-K7zGXF7AibrLTjABzlpnko3gFtvK/s400/DSC00013.JPG" alt="" id="BLOGGER_PHOTO_ID_5488975734030647522" border="0" /></a><br />Baktisiswa Gemilang 2010..majlis penyerahan anak angkat<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTB2qqBaI23umHckvGHrUCN5W2hHqpeOKpVgq4DGeI4e9OSKB5N1cHlThEDMlYiXhMGI6IooOcpZ-dFbq7USJKxrQf357OHLK3YodETNxf7BhvaK65U83tCJNO_lkx-IvBIy67aPi28zxL/s1600/DSC00319.JPG"><img style="cursor: pointer; width: 400px; height: 225px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTB2qqBaI23umHckvGHrUCN5W2hHqpeOKpVgq4DGeI4e9OSKB5N1cHlThEDMlYiXhMGI6IooOcpZ-dFbq7USJKxrQf357OHLK3YodETNxf7BhvaK65U83tCJNO_lkx-IvBIy67aPi28zxL/s400/DSC00319.JPG" alt="" id="BLOGGER_PHOTO_ID_5488975719826797730" border="0" /></a><br />Baktisiswa Gemilang 2010..Tok Pat<br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJy9KkzMQH_OXk5LmfIyReN2ZqTYB3Ffk9pYoAnAqTdBs13TMi0Fo1tSNN0EEO1T67r_beWi173kZ9YooM_TFzZ6VA2r7v3N7PeohPdGtgwnafrD_iJVlgHHxogvANOBdvnkvUVkX_cdxr/s1600/DSC00204.JPG"><img style="cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJy9KkzMQH_OXk5LmfIyReN2ZqTYB3Ffk9pYoAnAqTdBs13TMi0Fo1tSNN0EEO1T67r_beWi173kZ9YooM_TFzZ6VA2r7v3N7PeohPdGtgwnafrD_iJVlgHHxogvANOBdvnkvUVkX_cdxr/s400/DSC00204.JPG" alt="" id="BLOGGER_PHOTO_ID_5488975747391536626" border="0" /></a><br />Lawatan Sambil belajar ke Kuala Lumpur 2010..<br />kubah di dalam Muzium Kesenian Islam Malaysia<br /><b><b><br /></b></b>Persatuan PERMAIYAhttp://www.blogger.com/profile/06880058955011596989noreply@blogger.com0