Wednesday, July 29, 2009

Unrealistic concept in our Realistic life

Hari ni rase macam waktu sekolah mase kecik kecik dulu. Pagi sekolah kebangsaan, petang sekolah agama. Cuma bezanya, dulu kena pakai uniform, sekarang tak payah. Dulu kena bawak beg berrraatttt, sekarang bawak organizer & thumb drive jer. Dulu banyak rehat, sekarang rehat terbatas untuk time lunch & solat sahaja. Dulu banyak tenaga – balik dari sekolah agama je dah standby nak jumpe geng se’padang’, sekarang balik keje trus flat….ergghh.

Sebenarnya…bukan ini yang hendak ku cerita…eheh. Biase la..warm up jap ;p

Today, our islamic finance class was entirely about MUDHARABAH concept & its practices. As usual, a very common topic but when the lecturer went deeper especially on the technical part, we would go “oowwhhhhhhhhhhh” or “aaaaaaaaa….” or “I seeeeee” or “no wonder laaaaaaaa….”. Tapi response ni semua bile lecturer dapat jawab la. Bile lecturer tu got stucked dengan soalan bertubi tubi ala ala nak menghentam gitu ditambah pula dengan perasaan yang macam terror oleh kami kami ni (sebab buleh nak counter attack kan…) dengan gelak gelak gatal, we would go “but just now u said yada yada yada yada” or “are u sure coz the common practise now is yada yada yada yada” or even worst, “i think there’s an omitted clause that u might have skipped/overlooked!”. And the lecturer’s face would turn purple, like what had happened today. *

Ok, I’ll go straight to the point.

Mudharabah simply means profit sharing. Meaning when there’s a profit, it will be shared between the capital provider (rab al-mal) and the entrepreneur (mudharib) as accordance to their agreed percentage (e.g: 70:30 respectively) . However when there’s a loss, 100% out of the total loss would be borne by the capital provider and the entrepreneur would bear nothing. Waittt..!!! im not finished yet lar... Even though it seems that this pratice is not Islamic despite the arabic name, this was what been adopted by our prophet Muhammad s.a.w. before his prophecy. Remember the time when he worked under Saidatina Khadijah r.a? He as the entrepreneur and she as the capital provider. As a result, her business had bloomed tremendously (from this event, the revolution of islamic trading/finance has indirectly made its first remark).

Pelik? Tak pun. Sebab sebenarnye entrepreneur tu pun still tanggung rugi juga. Not in the monetary view but in the non-monetary wise – effort, time, duit minyak, duit toll, so on & so forth.

Alrite, this is too basic kan.. Ok, ill go a bit further. I want to touch on examples of mudharabah. Nie lah yang menjadi punca kelas aku habis awal tadi… huhu. (anyway, memang cikgu kena balik awal pun sebab dia ade hal skit).

1st scenario:
Kita buat saving dalam Meibank Mudharabah account. Meibank invest duit kita dalam islamic counters. So, kita sebagai capital provider & Meibank sebagai entrepreneur. Normally the profit sharing ratio would go higher on the bank side and pretty low on the account holder side, say 97:3. Bile dapat profit, account holder akan dapat la 3% portion yang didebit terus dalam saving account kita. Sebab tu sumtimes, kita nampak dalam bank statement ade duit masuk as small as RM3 ke, RM5 ke, atau paling gempaq pun RM27.50. adei…untung pelaburan la tu namanya.
Soalan saya/kami sekelas:
Apa jadi kalau investment yang Meibank invest tu rugi? Tak pernah pulak nampak ade negative amount being credited from our account besides bank charges. So, ape jadi dengan mudharabah concept yang diwar warkan oleh Meibank atau bank bank lain yang dok pratice the same concept ni?

2nd scenario:
Kali ni kita terbalik kan situation dia (sebab cikgu tak leh jawab soklan we all tadi..eheh). Kita buat financing dengan DIMB bank, say mudharabah ratio dia 60 (DIMB) : 40 (kita). Kita start business dobi dengan duit tu. Tiba tiba business kita rugi. In real case situation, DIMB tak akan tanggung rugi tu walaupun dia memainkan peranan sebegai rab al-mal. Yang tanggungnye masih kita sebagai mudharib nih. Plus, bile ade untung, ade ke masenye untung tu di bahagikan kepada portion masing masing mengikut ratio yang dipersetujui pada awal perjanjian. Tidak mungkin…..btul tak?! Betul…takde maknenyer in real life situation manusia manusia ni nak share untung. Lagi satu, monthly instalments still need to be placed to the bank. Tak de pulak bile rugi kita boleh stop bayar…. kan. So again, where does mudharabah fall into its place?


Me & my class’ assumptions:-
- the losses portion would be hidden under the bank charges (or some may call it as administrative charges)
- the ORIGINAL mudharabah concept has been modernized or commercialised to fit into the so-called dynamic economy market strategy – again to materialized profit, no longer to practice a transparent Islamic economic practice as what have been preached by Rasulullah saw.
- the huge gap in ratio between capital provider and entrepreneur (e.g 70:30 respectively) may have already cover any loss event by the big portion holder.

A special request for Takaful M’sia (STMB) staff to respond and give your generous feedback on this issue since u have greater capacity of knowledge after your company’s Mudharabah concept as compared to my company where we operate the business using the Wakalah concept.

Whatever it is, every single thing should be clearly stipulated in a contract, with condition they must be guided by syariah requirements. Hence, any future disputes are able to be avoided. This is the beauty in Islam.

Aku cukup bertuah dapat involve dalam klas klas sebegini sebab dengan alasan inilah minda aku ‘ter’celik dan hati aku sedikit ‘ter’jaga. ;)

Sunday, July 26, 2009

Discovery day! (haha..tajuk ni klakar giler..cant think of the most suitable one)

I don’t know. Sumtimes we never realized just how lucky we are being surrounded with nice people around us. And the time we discovered it, a simple smile would explains how we feel ;)


Noon discovery

I went to accompany mom for her 2nd urut. All these while, everything were only listening, but no meeting. So when I heard mom had her session being scheduled this weekend, I didn’t want to blow the chance to meet this lady.

What ive heard about her were actually half of the glass. The other half is she’s one of the nicest Surabaya ladies I’ve ever met with. Tutur kata dia sangat lembut. Rajin. Even the daughter is just the same. …(orang jawa asli emang kayak gitu loh). They had welcomed us with their sweet smiles purely coming from their hearts, as if to say “masuklah, makanlah, minumlah wahai tetamu kami dalam rumah yang serba apa adanya ini”.

Ketika si ibu sibuk mengurut orang, anaknya dah pun selesaikan masakan tengah hari yang hanya tinggal untuk dijamah sahaja oleh ibunya & keluar semula untuk bekerja mencuci. Itulah rutin harian si anak to make sure that they can still survive living. Sebelum sempat pergi, aku & mak dijamu pula dengan air teh. Diajak lagi oleh si ibu. Kali ni untuk makan nasi pula walaupun hidangan itu mungkin hanya cukup untuk dia seorang. MasyaAllah…inilah orang yang hatinya tulus sekalipun dalam hidupan yang sangat sederhana. Semoga Allah permudahkan rezeki bagi mereka. ;)


Nite discovery (I)

Wedding lagi. Adoi. Letih. Cerita aku boleh kenal dengan pengantin ni memang agak lawak sebenarnya which tak boleh nak diterangkan disini sebab terlalu berjela…huhu. Even though we've been knowing each other for quite some time (last 2 yrs kot), tapi name dia pun aku baru tau last week. Itupun dpt reminder sms. Sebab awal awal dah di-rsvp-kan, jadi harus datang ;p

Last minute plak Yanti cancelled to follow since she might be going back quite late from Genting. Ring mek tett, gi facial pulak. Ring ayu, hehe..berjaya.

So we went to the wedding and terbangak bangak sebab tak kenal saper saper except for one person. No. Two! Including the bride. Well, there were few familiar faces that I knew but never care to know the names (biase la aku kan….).

Anyhoo, endless congratulations to both of u - Karthi & Rajiv. May u live happily as husband & wife. A nice wedding. An applausive one as well. First time nih attend wedding ade buat magic show. Jangan main main ok, got burung u know. Oh ya! Api also got. Tapi itu janggut ade siket terbakar la macha. But its okay, overall it was an enjoying performance. Also, thanks to u Shiken yang always cantek for making us felt very much welcomed.. ;)


Nite discovery (II)

After the wedding, we headed straight to Glenmarie for another function plaks. Ayu’s officemate baru masuk rumah baru & ni nak attend the house-(yang giler babs punyer cantik!!!)-warming la.

Pendekkan cerita, tak sia sia kami membiarkan perut ini diisi lagi dan lagi dan lagi dan lagi dan lagi sampai gemok in attending the back-to-back functions. Bukan pasal makanan sedap sedap, tapi hati yang sangat terkesima atau keternikmatan atau amazed having to look at the houses & cars owned by the residences. I got easily hooked-on with the fascinating ambience. Two words – MAK TADOK. We were almost mistaken porches/ferraris for hills of sands & cements! Ade la gak nampak Myvi & Kelisa kat situ, tapi aku rase tu sume keter maid diaorang kot………

FYI, ive been to several country height residences in M’sia but none of them are as classy as this one. The 75-resort-like-modern-bungalows-only area is developed under a hotel (can’t be mentioned here for specific purpose…sori). Expat mat salleh pun ade 4 orang je yang menyewa kat situ which the rent itself pun dah berbelas/puluhan ribu. Besides Malaysian buyers, Singoporeans are among the residents here & some of them let it for rent. Huge investment huh! Ade these 2 bungalows located just next to each other, bought by best friends. They had their wall (which separates the 2 roofs) removed & renovating it into a damn swimming pool! Lumayan buanget nih…. ;D

Back to Ayu’s officemate’s house-warming...no..i think I should say bungalow-warming, it was a very classy yet cosy one. She was so kind & so willing to bring us touring the whole house. From the front door til the back door. From downstairs to upstairs. From the living rooms to the jacuzzi. Mata aku tak berkelip kelip tengok every single details of the decors. Mulut aku tak berenti renti cakap – “cantiknyerrrrr yu”. Ni stock orang kaya yang ade taste dan sangat independent. They all buat sendiri semua. From the researching until decorating the house. "Penat tapi berbaloi" said her. Totally not datinz/toh puanz common styles. Kami berdua terpaksa admit kami agak peghak habeh jugaklah mase tu..eheh.

Alrite, here comes the interviewing part. Really like this one! ;D
- the house motive is classic contemporary
- cool couple as akak ni & the hubby share the same passion in house decorating. they luv to travel all the way to foreign countries just to gain fresh ideas as well as adding unique materials to their current collections.
- obviously the arrangements & house accesories ideas are coming from they had had experienced.
- the water feature is literally different than what we’ve been exposed in M’sia. Simen biase je pun, tapi husband & wife ni memang terror kan…so tak yah citer lebih lebih la.
- another awesome fact is that the fabulous interior design artworks were done by the hubby’s most admired Javanese designer, Jaya Ibrahim which u can actually tell by the hotel-like custom made furniture. Simple yet minimalistically sophisticated.
- expectantly, almost all the things were bought in Jakarta & have been shipped here.
- dengan katil anak anak pun built-in. bilek maid2 dia jer aku tak sempat nak audit.
- tempat buang sampah dia pun modern! boleh??!??
- music can be played from the master bedroom & to be listened while relaxing at the house lawn.
- and yadayadayada.....

I just don’t get at how some people could invite others to admire/appreciate their belongings without having the show-off-attitude. And everyone seems to absorb and agree of their pure humbleness & the feeling of sharing.

*yawn* and *yawn* lagi. no wonder…its already 4 in the morning. so kiter mimpi rumah cantek malam ni… nighty nite..

Zzzzzzz………….

Saturday, July 25, 2009

still..........

still cudnt get this away from me..............




still cudnt understand why im so moved.........




still a 'simple explanation'....

Thursday, July 23, 2009

Actor with Brains

feeling very much unsatisfied + intrigued, i went to google for the answer. guess wut i've found out..?!


In April 2009, Penn told Entertainment Weekly Magazine that the writers killed off his character on "House M.D." (2004) because he had asked to be allowed to leave the show to go work for the Barack Obama Administration as the Associate Director in the White House Office of Public Liaison. He was being accepted a position as the associate director in the White House's Office of Public Liaison and Intergovernmental Affairs.

"I got to know the President and some of the staff during the campaign and had expressed interest in working there, so I`m going to be the associate director in the White House office of public liaison. They do outreach with the American public and with different organizations. They`re basically the front door of the White House. They take out all of the red tape that falls between the general public and the White House".

He admitted the change from TV star to public servant would be a hit to his wallet, saying: "Oh, yeah. There`s not a lot of financial reward in these jobs. But, obviously, the opportunity to serve in a capacity like this is an incredible honor."And he`s not ruling out a return to acting. "Who`s to say where any path leads? I still have a passion for it. But for the time being, I won`t be acting."

well...definitely better than acting. this is wut i call actor with brains!


p/s: im truly sorry for wut have been written in my previous post. the idiocy was totally not coming from the director, but from me instead. i was over the top. its just that the way they ended kutner's character was a bit too "sudden". anyway, the series is still my forever fave ;)

Tuesday, July 21, 2009

Between fantasy & reality, how far do they affect u? Err...or rather me?

Just got back from the office & went to the kitchen straight with Gaby meow-ing while tailing me (daily scenario...) hoping me to get her more food which she had just finished it a minute ago. Malas nak layan, i went to the dinner table, saw fried tempe with sambal ikan bilis, grabbed the yummylicious & sitted infront of the 'idiot box'.

While i was switching endlessly from one channel to another, suddenly my finger stopped clicking the controller in reflex. HOUSE! Yesterday's episode! Alamak....lagi 10 minit jer?? So self-grambling was continued of how silly i was not to switch to AXN the moment i turned the tv on. Well actually there was nothing extra-ordinary for me not knowing the repeat hour of House as i've been watching it religiously on monday nites except for last nite. All because i went to support the malaysian team & it turned to be me promoting Indra Putra to change his profession. Jual murtabak ke, bela lintah ke, tanam cendawan ke, ape saje pekerjaan halal lain la asalkan yang tak melibatkan B.O.L.A.

Aiissyy...tengok ape aku ngarut ni? Tak nak citer psl benda ni pun. Tak penting. The ultimate point of me writing this is because.......

......Kutner's sudden death. He's dead. I was really wiping my tears away. Tak tahaannn weh..

Gosh, i cant believe that he'll be out so soon from this drama. I've been following this brilliant epitome ever since i fell in love with all the characters as well as its storyline. However, i think the latest season of bringing in 3 new doctors were the smartest initiation so far done by the director. And taking him out of the casts was the lousiest, uncoolest & bangang-est attempt in all drama history. hhmpph...sungguh tak bijak!

Besides the wacko House, Kutner was the most anticipated person that made me jumping on the sofa impatiently waiting everytime the drama is about to start. Dun ask. I had my own reason for liking this guy so much. Bukan nak angau tak tentu hala or gotten emotionally involved about unrealistic characters/stuffs, but its just the "whole" him is surprisingly has too many freaking similarities with manusia yang hidup di luar fanstasi. Got it? Hhmm...faham pun.

How cud they do this la. Kao meng arrrrr!!! Lei hai mey kao choww?? Wa pu che tao woo.... isk....isk.... isk... Ta de mud mao study lagi tao. Haiya! Kasi potong betul!

Saturday, July 18, 2009

im back !!!

hi everybody.... im back! hihi.

finally.... felt more relieved now.

sumtimes u just have to keep low & silent from getting yourself more drown into a deep shit...

so i learnt something now. when u are really mad or freaking angry towards sumthing, just shut up & think. istighfar banyak banyak... dun be too impatient to react or say anything coz the highest possible outcomes would be negative, definetely with fool remarks resulting from our uncontrollable madness. lagi parah jadi nyer kan.....

so sabar tu sangat penting..

dun worry, Allah kan ade... :)

Saturday, July 11, 2009

burung biru ???


hhmm.....Twitter...hhmm....

wut i cud say for now is that all these latest cyber networking channels which have been progressively grown are becoming more ridiculous...

why im saying dis?

simply because at least 90% out of my frens in Fesbuk or Frenster or Mspace or wutever lagi lar which are the people that i actually knew, compared to Twitter. ntah sape sape la dok nak twittering dengan aku yang gamba pun tak letak dalam tu! adoi............ the saddest part is that almost all of the nicknames are gurls (which i would conveniently assumed that they are 'really' gurls)?!?? dalam semua...uhuk..uhuk..peminat-peminat..uhuk..uhuk..aku ni, sorang je la yang kenal, tu pon dia la yg bertanggungjawab menginvite aku join burung biru ni...

nafsu for twitterring belum sampai lagi daa... ;)

Thursday, July 2, 2009

blogless lagi best kan..............

eergghhhhhh...........malasnyer nak tuleh aper aper.................malas nak type..malas nak piker... segalanya lah. hhhmmm.... eeerrgghhh issyy....buleh tak nak jeles dengan orang lain yang rajin update blog dia....eheh.. newayz, i think i know la why dey all just luuuuuuvvvvv to update their blog effortlessly sebab journal dia ade ramai reader....huhu.. cam blog Hamzani...eessyy skali post, comment dia mak ai! (plus he's cute kot.....extra point for him) lepas baca blog dia ni, aku dah macam malas nak tulis aper aper dah.... hahahaha....

passionku tidak seperti dulu ;(