Friday, May 6, 2011

EKONOMI ISLAM - perbincangan petang.

Riza Ahmad
Ekonomi islam pada hari ini adalah diperingkat yang sangat kacau. Ramai yang telah menjual agama untuk mendapatkan wang. Akhirnya, wang jugalah yang menjadi pegangan dan wang jugalah yang menjadi matlamat dan hala tuju... baik wang kertas atau dinar yang disebut2 itu... :)
about an hour ago · · ·
  • Suhaimi Mohamed Sharif, Muhammad Shahidin and Devid Hardi like this.
    • Muhammad Shahidin harap2 group dinar dan dirham dapat melakukan sesuatu untuk mengembalikan kegemilangan ekonomi islam..
      about an hour ago ·
    • Riza Ahmad Apa pun yang dilakukan dalam dunia ekonomi ini... konsep asasnya adalah sama dan tidak boleh di ambil lekeh... konsep asas yang utama ialah supply and demand... jika tidak ada keperluan... maka perlulah diwujudkan keperluan itu dulu... soalan yang utama sekarang ialah... apakah keperluan masyarakat pada hari ini... ?
      about an hour ago · · 1 person
    • Muhammad Shahidin ‎????
      about an hour ago ·
    • Riza Ahmad barang keperluan harian... soalan seterusnya... siapa yang bekalkan keperluan ini... tesco, jusco, carrefour, giant... and u name it... berapa kerat yang dipunyai oleh orang islam ini... ada..?
      about an hour ago ·
    • Muhammad Shahidin cadangan?
      about an hour ago ·
    • Riza Ahmad please check this... http://kerjaya-muslim.blogspot.com/2010/01/we-need-new-vehicle.html
      about an hour ago ·
    • Riza Ahmad
      Why hypermarket?

      Once, we went to the nearest shop, then we went to the nearest mini market. In the mid 80’s, we started to go to the supermarket. In the new millennium, shopping at hypermarket becomes a phenomenon. People start to go to hypermarket as it is cheaper there most of the time. Even the groceries shop owners go to hypermarket. (http://ko-kita.blogspot.com/)

      If we have 10 thousand members at any given place, say Kinta district in Perak and each member spend only RM 200.00 each month at our own hypermarket (KO-KITA Hypermarket), we already have RM 2 million sales a month. If the profit margin is 5% alone, we already have RM 100,000 profit a month. In a year, we already have RM 1.2 million in profit a year.

      If the member have only RM 100.00 share each in the KO-KITA, 10,000 members will actually contribute RM 1 million in share for the business. Surprisingly, RM 1.2 million profits is actually a 120% return for the investment.

      If only we have 10 branches in Perak, we would have profit of RM 12 million a year. And if we have 100 branches through out Malaysia, the profit will be RM 120 million a year. That is only based on hypermarket business alone. What about the construction and other businesses that we have?

      Today, we need a new vehicle. Those days we have rockets to travel to the moon, today we have space shuttles. Times change, people change and so does method and doing things. KO-KITA is the vehicle now, and let us ride together to reach the destination…http://kerjaya-muslim.blogspot.com/2010/01/we-need-new-vehicle.html
      58 minutes ago ·
    • Riza Ahmad
      As a muslim, we actually have our own way of doing things. There are so many things that we need and do in life but as I wrote before, we just go to basic. Food, clothes, shelters, rides, etc. and some people even put money as basic needs. http://ko-kita.blogspot.com/

      Food is something that we eat and it will become part of us. If the food is good, we will be good. And as I wrote before, there are foods that have a halal logo but actually produced by non-muslim. And there are a lot of food that produced by muslim never have a halal logo. So halal’s logo is not the issue here. It’s the muslim themselves who have to decide which to take and which not. By now, every muslim should know the do’s and the don’ts. If we don’t know then we have to ask those who knows. If we are not sure then we also have to ask those who knows. Else we will be in the dark, not knowing the truth. If we are right then it is good, what if we are wrong?

      I dress the way I am. So does most of us. I like casual. Muslim has our own dress code. There is something called aurat. So, as long as we follow the guideline then it’s alright. One day, I went to see a maybank vice president. The first thing she asked me was, “how did you know Dato’ Wahid?” I told her that when he was in form five, I was in form one. Then she smiled and told me that most of his school mates that she met were just as casual as me.

      What I am trying to say here is not what I wear but who made it. If we can wear clothes that made by a muslim, that will be better. But most of the time we wear something that is not made by a muslim because it’s either too expensive or too cheap. Or, some of us thought that it’s already out of fashion.

      Some of us have a big house, some have a smaller one, some own, some renting. But everyone needs a place to stay. The government has a good hand in helping the poor; they even give a free house under the PPRT program. Some say this program allocates RM 32,000.00 per house, some says RM 38,000.00 and some want it to be RM 45,000.00. Which is which, we never know. But I had an experience to be the sub-contractor for one of the houses in Senggang, Kuala Kangsar. The main contractor secured the job for RM 35,000.00. I was supposed to supply the labor and machinery for RM 12,000.00 till the project completed. The materials actually cost around RM 8,000.00 to RM 10,000.00. So, the actual cost for the house is actually RM 22,000.00. But the main contractor felt that the profit was still not enough. He overridden me and took my labor to work for him direct! How much is enough? For nothing is actually ever enough.

      As a muslim, we should be more thankful and syukur of what we have. We are lucky to be more fortunate than those who are not. Give them a helping hand and let them make it, so that one day they also can help others. But some muslim now a day’s thought that if they can get things for free, it is better, so that they don’t have to work. This is a bad sign. Then they will never get cross the line out of poverty!

      Once, for some, when they had a bicycle to ride, it was already good enough. My grandfather used to cycle from Bagan Datoh to Sungai Raia, which was more than 100 km. my father used to ride a motorbike from Teluk Intan to Ipoh. Now, most of us have a car or some even have cars. It’s never a luxury now as it is a necessity for us to have one. How do we own a car? Each of us has our own answer. I’m lucky that my mother bought me one. Else I have to borrow from the finance company to buy one. Then I will be caught with riba. The only way that I can avoid riba is to buy the car cash!

      Money is never enough. If we have more money, there are more things that we want to have. But those days, as Tun Mahathir wrote in malay dilemma, Malays got no worries as they plant their own padi for rice. They go fishing for fish and they pluck vegetables just around the house. Nothing to worry. But now things have change. Everything needs money. We even have to pay to release ourselves at the public toilet. So money is also a basic need.

      How do we fulfill all these basic needs?

      Works and works. Some have enough and some don’t. Some even have two jobs to cover the bills. And some are too busy that they don’t even have a life. Price tag never goes down. It’s always goes up. A lot of things to pay, the worse thing are that the interest never goes down. It grows each day.

      Being moderate is a muslim way of life. So, we only live as what we can afford. If we are less fortunate, then others or the muslim brothers and sisters have to help. There is also baitulmal to help them. For the fact, baitulmal in our country is not really working. No one knows the real reason why. I once saw before my eyes, a poor man came to the zakat center asking for help. The lady clerk was standing with arms akimbo, with her nose pointing up attending to him. That was not a muslim way of doing things! Pity him and pity her. There is no more ukhwah or brotherhood or sisterhood in islam anymore.

      Most of the muslim now likes to beg for most of the things now a days. Not much muslim willing to give a helping hand too. Each one of us are busy with our own life, thinking of the money that is never enough. No more syukur concept. No more thought of, we are lucky to be us. There are some people who have a worse day than us. Thank God, Alhamdulillah syukur…

      The reason why we have this kind of life is because we were brought up in a different way, not the muslim way. Not much muslim is looking into this. Most of us over look the small things that actually make us different. We are in a different way, not the muslim way, the moderate way.

      How can we help this situation as we are in a different world now. Kentucky fried chicken, pizza hut, and McDonald are not our food, or it is?

      We need to change, check our own wallet. Buy things that we only need. Nothing is wrong to dine in KFC or any other fancy restaurant. Just check your pocket. As once, I took my brother who just started working as a teacher to coffee bean. He said, if not that I took him there, he will never go into that kind of coffee shop.

      If only we work together, things will be cheaper. We supply our own food, clothes, shelters, rides and create more jobs for us. Each one of us plays our own part. We work together in a group for example Koperasi KITA. We start a sample in Kinta then we duplicate it through out Malaysia!
      54 minutes ago ·
    • Muhammad Shahidin wujudkan pasar madinah.
      53 minutes ago · · 1 person
    • Riza Ahmad why go backward...?
      52 minutes ago ·
    • Amir Hasyim Kamaruddin apabila nabi berhijrah ke madinah,2 bende pertama yg nabi buat ialah masjid dan pasar, dengan masjid sebagai pusat ilmu & aktiviti, islam berkembang, dengan pasar umat islam berkaya membebaskan diri dari cengkaman ekonomi riba yahudi yg menguasai ekonomi madinah pada waktu tu. Pasar yg macamana yg didirikan oleh Rasulullah itu? Hyper market atau open market?
      50 minutes ago · · 1 person
    • Amir Hasyim Kamaruddin apa yg backward??
      50 minutes ago ·
    • Muhammad Shahidin open market..
      49 minutes ago ·
    • Riza Ahmad agaknya lah... rasulullah naik kereta atau kapal terbang tak kalau sekarang ni... atau masih naik unta... hu hu hu...
      48 minutes ago · · 1 person
    • Pakcik Apect sangat setuju dengan pendapat encik riza. islam tu sesuai sepanjang zaman
      46 minutes ago ·
    • Riza Ahmad Islam itu sesuai untuk sepanjang zaman... hanya orang2 yang jumud dan jahil yang tidak mempunyai arah kerana kurangnya ilmu. malangnya... dgn ilmu yang sedikit itu... cuba juga untuk terbang ke bulan... :(
      46 minutes ago · · 2 people
    • Riza Ahmad Semasa kecil, saya seperti juga kanak2 yang lain ketika itu belajar silat dan ilmu batin... saya masih ingat kata2 abah saya dengan jelas pada suatu hari... "tinggi mana pun ilmu pendekar suatu ketika dulu, tak dapat dia terbang sampai ke bulan..." hu hu hu...
      39 minutes ago ·
    • Amir Hasyim Kamaruddin hypermarket is monopoli market...monopoli tu membunuh ekonomi...TN.Riza dah kasi contoh tesco, giant,jusco dll...
      37 minutes ago · · 1 person
    • Muhammad Shahidin langkah kita?
      36 minutes ago ·
    • Abu Alex Riza Ahmad, I read your comment (above) with fascination; our cooperation is in the making and we need you.

      You please bear with us :)
      35 minutes ago · · 3 people
    • Amir Hasyim Kamaruddin jgn bandingkan open market dengan unta dan hypermarket dgn kapal terbang...tu hujah dangkal..
      35 minutes ago · · 1 person
    • Riza Ahmad kerana itulah, hypermarket itu mestilah dipunyai oleh koperasi, dan koperasi itu di punyai oleh sekelian rakyat... got it...!
      34 minutes ago ·
    • Riza Ahmad siapa yang dangkal...
      34 minutes ago ·
    • Riza Ahmad Insya-Allah Bro Alex... Allahuakbar...!
      32 minutes ago · · 2 people
    • Amir Hasyim Kamaruddin kena faham apa beza unta dgn kereta/kapal terbang dan hypermarket dgn open market br buat perbandingan..
      30 minutes ago ·
    • Abu Alex now I really looking forward to meet you insyaAllah; macam mana tu ya (nak jumpa)? ada cadangan ke?
      30 minutes ago ·
    • Riza Ahmad Orang yang bercakap banyak, dia tidak sempat berfikir... orang yang berfikir tidak bercakap banyak...
      30 minutes ago ·
    • Amir Hasyim Kamaruddin siapa yg banyak bercakap agaknya?
      29 minutes ago ·
    • Riza Ahmad i'll be free tonight... but i'm staying in bandar baru bangi... :)
      28 minutes ago ·
    • Suhaimi Mohamed Sharif jumpala kat nasi kukus tu.. en abu leh belanja guna dirham
      28 minutes ago · · 1 person
    • Riza Ahmad yup... why not... please give me a call... 016-6941251. GTG... insya-Allah, kita sambung semula later... maaf kalau ada yang terkasar bahasa... salam...
      26 minutes ago ·
    • Mazli Alias RA. Subhanallah. Bangi lagi. Saya di Seksyen 4 Tambahan hampir benar dengan Restoran Nasi Kukus. Jumpa jam 9:15 kat sana amacam? Yang lain nak joint apa salahnya. 0176300178.
      23 minutes ago ·
    • EA Faisal ahli ekonomi kata masalah ummat Islam ialah mereka miskin krn ekonomi tak mengikut acuan Islam dan penyelesaian ialah muamalat cara Islam
      ahli akademik kata masalah ummat Islam ialah tidak cukup ilmu dan pendidikan cara Islam adalah penyelesaian
      orang2 yg buat fieldword di lapangan dakwah pulak kata masalah ummat Islam ialah aqidah
      tuan2 rasa apa masalah no 1 ummat Islam? Ekonomi? Pendidikan? Aqidah?
      20 minutes ago ·
    • Suhaimi Mohamed Sharif call je tuan riza tu sementara dia kat bangi ni..mana tahu ada jodoh dalam perjuangan ekonomi islam ni
      19 minutes ago ·
    • Mazli Alias EA Faisal. Apa da cerita ekonomi/ummah dalam fb; mana ada umphh. Jom ke Rest.Nasi Kukus malam ni. Kita sembang sampai kedai tutup : )
      18 minutes ago · · 2 people
    • Abu Alex insyaAllah sudah tahu nanti saya cari, malam ni saya sudah ada rancangan.
      18 minutes ago ·
    • Farid Othman k join gak,leh x?sy duk kat seksyen 4 je
      15 minutes ago · · 1 person
    • Emas Gold jauh la plak nak join. hasil bincang,mana yg baik, boleh la share ye.
      14 minutes ago ·
    • EA Faisal Tuan Mazli, minta maaf, malam ni tak boleh sembang2 sbb ada program lain. Kita sembang esok ajelah kat masjid. Saya pun bawak kain, mana tau kot2 zaujah Tuan Mazli berkenan lagi ke... hehe
      13 minutes ago · · 1 person
    • Zulkifli Sharif TERBAIK ......macam tu lah berjumpa dan bersembang ..nanti adalah kesepakatan.
      4 minutes ago ·
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