https://padlet.com/afifie_alwi/ssl0q407r2lc Referring to a given topic, discuss within the appointed group about Identification of main issues /problems (background of the issues) en-us 2018-10-21 15:10:00 UTC 2018-11-25 05:16:38 UTC hello@padlet.com https://padlet-assets.s3.amazonaws.com/icons/Shakinghands.png https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/296842140 Shariah Compliancy of giving prizes to the Premium Savings Certificate holders (PSC).

- BSN offers to its customers a savings certificate where the bank gives prizes to the certificate holders by making monthly draws.
- The prizes motivated large number of customers to buy this certificate. 
- However, the majority of the Shariah Scholars declare that every loan which results from any benefit to the creditor is riba, which is obviously prohibited.


]]> 2018-10-25 09:51:54 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/296842140 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710084 Issues and disputes in credit card:
- unattractive
- lack of marketing and promotion from bankers
- public ignorance
- insensitivity
- unconsciouness about product
- limited knowledge
- other factors: attitude, social norms, knowledge, service quality and reputation.
- religiousity as main aspect of product intention and satisfaction (riba).

-Bankruptcy reforms:-
- increase each year, from credit cards to rising bankruptcy filings which is poor money management, excessive spending and debt level increase.

-Interest rates change:
- islamic bank depositors responsive when deposit size are large.
-when there is rise in interest rate, they do not hesitate to withdraw deposits.
-investigates the behaviourial aspects of Islamic bank depositers in a dual banking system (respons to interest rate changes)

]]> 2018-10-28 04:16:05 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710084 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710349
Problem:

1. Different opinion of Fatwa about investment in ASB and its dividen

2. Uncertain about the investment in ASB that presence Riba

3. Permodalan Nasional Bhd (PNB), which is the investment agent for ASB/ASN, pulls out its share from Maybank due to its non-syariah compliant portfolios.



]]> 2018-10-28 04:21:51 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710349 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710727 2018-10-28 04:28:02 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710727 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710758 - relocation of squatters
- compensation to squatters upon their removal from the squatters’ area
-distribution of low cost houses
-the criteria for the selection for low cost houses]]> 2018-10-28 04:28:37 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710758 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710911 Issue of Koutu Fund Practice in Malaysia is : 

1. The way on how to distribute koutu money to players does not follow Islamic Law.
2. Breach of trust among players with the leader 
3. The responsibility among players to pay the koutu money 
4. Give many risk to the both side among players and leader for example being cheated by leader or players 
5. There are Ghana issue in koutu fund 
6. Concept violation ta’wun were by the player made a late payment to the leader.

Koutu Fund also have a Act which is Koutu Fund Prohibition ACT 1971]]> 2018-10-28 04:32:02 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297710911 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711215 The benchmark used to determine the tolerable level of mixed contribution derived from permissible and the non-permissible activities towards the turnover(TO) and profit before tax (PBT) of a company are as follows

1) The five-percent (5%) benchmark
2) The 10-percent(10%) benchmark
3) The 20-percent (20%) benchmark
4) The 25-percent(25%) bencmark]]> 2018-10-28 04:37:48 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711215 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711218 Issue- the investment of EPF (Employee’s Provident Fund) which are including halal and haram investment.
- the solution that EPF can be taken for manage their
investment according Islamic Finance principles.]]> 2018-10-28 04:37:51 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711218 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711396 1) The calculation of formula had been use is difference as stated.
2) the period payback increase from 10 years (120 months) to 15 years (180 months)
3) Calculation in ujrah systems not based outstanding balances but total of the loan given

]]> 2018-10-28 04:43:10 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711396 https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711476 Issue : 
1) personal rights
2) property right
3) money and wealth in islam
4)moral right
5)copying,counterfeiting and theft]]> 2018-10-28 04:45:05 UTC https://padlet.com/afifie_alwi/ssl0q407r2lc/wish/297711476