Tuesday, October 25, 2011

Siapa Gaddafi


(sekadar saya kongsikan dan ambil dari sumber-sumber yang difikirkan boleh percaya dan boleh diterima umum)


BILA Gaddafi jatuh dan dibunuh secara tidak wajar, maka saya segera menyatakan itu tidak sepatutnya dilakukan dan kelihatannya manusia semakin tidak bertamadun dan gila babi.

Saya cukup sedih dan tidak bisa menerima kematiannya sedemikian, apa lagi sebelum ini Gaddafi dihina begitu rupa, padahal pada suatu ketika dia antara pemimpin arab yang cukup lantang menentang Barat terutamanya Amerika dan yahudi dan kelantangan itulah yang Barat berusaha menjahanamkan kepimpinan Gaddafi.

Sejak saya kecil saya sudah mengenal Gaddafi dan mengikut perkembangan kepimpinannya dan saya memang kagum akan keberaniannya yang sama seperti Saddam Husin di Iraq dan tidak hairan Amerika yang ditunjangi Yahudi mahu membunuh pemimpin yang demikian serasa menjadi halangan besar buat melaksanakan Visi jahat mereka.

Barang kali ada lebih baik juga kita menilai semula apa saja yang Gaddafi lakukan buat negara dan rakyatnya sendiri dan mudah2an ini dapat memberikan gambaran yang jelas siapa Gaddafi sebenarnya.

Memangnya keburukan demi keburukan ditonjolkan bagi menutup setiap kebaikan yang dilakukannya untuk rakyat Libya. Begitulah kejahatan yang dilakukan oleh proksi Dajjal ini. Perkara yang paling digeruni ialah hasratnya memaksa Barat membeli minyak dan berurusan perdagangan dengan matawang baru yang bakal diperkenalkannya iaitu Dinar Emas.

Usahanya hampir berjaya dan diterima oleh sebahagian besar negara Afrika dan sebahagian dari negara Arab. Dinar emas akan menjadi nilai tukaran baru perdagangan menggantikan USD dan Euro.

Dari saat inilah Barat terdesak untuk mempercepatkan usaha membunuh Gaddafi, namun usaha tersebut gagal. Proksinya yang sekian lama tidak sealiran dengan Gaddafi diangkat sebagai pejuang dan dibantu secara rahsia. Perancangan diatur untuk melakukan sabotaj dan menabur peropaganda. Berita sebenar ditutup dari pengetahuan dunia.

Terima kasih diucapkan kepada sdr Zulkifli kerana membongkar rahsia yang terpendam ini untuk dihayati oleh pembaca yang tidak mengetahui atau telah dipesona oleh dusta tajaan Dajjal. Saya petik tulisan Zulkifli Nordin dari blognya.

Presiden Muammar Muhammad Al-Qaddafi, adalah satu nama yang sangat digeruni dan ditakuti Barat, termasuk Yahudi Zionis la'natullah. Keberanian Al-Qaddafi, terutama apabila berdepan dengan Barat sudah dikenali dunia. Kelantangan beliau sehingga mencampakkan Piagam Pertubuhan Bangsa-Bangsa Bersatu semasa berucap di hadapan pemimpin dunia di Perhimpunan Agong Bangsa-Bangsa Bersatu mencatat sejarah tersendiri, membuktikan kelantangan dan sikap tidak tolak ansur dan tiada kompromi beliau kepada Barat!

Malang sekali apabila ada rakyat Libya yang terpengaruh dengan dakyah Barat, mempertuhankan demokrasi dan hak kebebasan manusia tanpa batas acuan barat, memilih untuk menggulingkan pemerintah yang banyak berjasa kepada mereka!

Cuba lihat apa yang tidak kenanya dengan Kerajaan Libya dibawah pimpinan Mua'mar Al Qaddafi:

1. Setiap individu rakyat Libya menerima imbuhan daripada hasil minyak petrol Libya yang dimasukkan terus ke akaun Bank masing-masing. Tak payah nak tuntut royalti dah! Ini juga amalan Kerajaan Emirat Arab Bersatu yang memperuntukkan didalam Perlembagaan bahawa 40% daripada hasil minyak UAE adalah untuk rakyatnya!

2. Cukai pendapatan paling maksimum pun hanya 12%;

3. Bank di Libya tidak mengenakan sebarang faedah/ riba';

4. Qaddafi bersumpah bapa dan keluarganya tidak akan memiliki rumah selagi tiap rakyat Libya tidak mempunyai rumah. Bapa Qaddafi sudahpun meninggal dunia tanpa punya rumah, dan Qaddafi serta anak isterinya masih duduk didalam khemah;

5.Di Libya tidak ada rumah yang dipajak;

6. Mana-mana rakyat yang mahu bertani atau berladang akan diberikan tanah, haiwan ternakan dan benih percuma;

7. Tidak ada bil elektrik di Libya;

8. Pendidikan adalah percumn;

9. Kemudahan perubatan adalah percuma;

10. Tiap pasangan pengantin baru mendapat peruntukkan one-off payment berjumlah 6,000-00 dinar daripada Kerajaan;

11. Harga gas terlalu murah pada nilai 12 cents per liter;

12. Pembelian kenderaan diberi pembiayaan kewangan tanpa faedah;

13. satu sistem pengairan dan saliran yang hebat dibina untuk mengujudkan kawasan pertanian yang membebaskan Libya daripada pergantungan kepada sumber makanan luar;

14. Rakyat dan negara Libya menikmati mutu kehidupan yang tinggi berbanding dengan negara Afrika yang lain.

15 Kebanyakan sekim kesihatan umum, pendidikan dan minyak dibawah subsidi kerajaan.

16. Libya mempunyai kadar kematian bayi yang paling rendah dan kadar hayat yang tinggi;

17. Kadar celik ilmu adalah 90% (sedangkan semasa rampasan kuasa oleh Qaddafi terhadap Raja Idris kadar celik-ilmu hanyalah 10%);

18. Kurang daripada 5% penduduk yang kelaparan/ tanpa rumah; satu jumlah yang jauh daripada Amerika Syarikat;

19. Apabila berlaku kenaikan harga makanan, Qaddafi menghapuskan semua cukai atas makanan;

Sebenarnya Qaddafi berjaya membawa rakyat dan negara Libya kepada tahap yang hebat tanpa bergantung dan menjadi hamba kepada tamaddun dan cengkaman Barat dan Yahudi zionis la'natullah. Sebenarnya apa yang dibawa oleh Qaddafi adalah ciri-ciri sebuah negara kebajikan yang berteraskan kepada Islam tanpa tunduk na'am kepada kafir harbi dan musuh-musuh Islam. Qaddafi boleh membuatkan Barat ketar lutut kepada kekuatan ekonomi negaranya!

Malahan Qaddafi mula menuntut Barat supaya membayar pembelian minyak dengan emas. Sudah tentu Amerika Syarikat, Barat dan Yahudi Zionis la'natullah tidak bersetuju kerana mereka tidak mempunyai simpanan emas yang mencukup untuk membayarnya. Malah matawang mereka kini hanyalah cetakan atas kertas sahaja.

Maka Amerika, Barat dan Yahudi la'natullah tidak ada pilihan melainkan menyingkir Qaddafi. Dan mereka berjaya memperkudakan segelintir rakyat Libya dan memperlengkapkan mereka dengan senjata dan dengan bantuan pesawat gempur Nato, memerangi Kerajaan mereka sendiri!

Begitulah peranan yang dimainkan oleh kaum kafir harbi la'natullah, sentiasa tidak redho dengan umat Islam, dan sentiasa mencari-cari jalan untuk menghancurkan umat Islam. Dan mereka akan sentiasa mencari jalan memperkudakan segelintir umat Islam untuk melakukan khianat terhadap agama dan bangsanya sendiri.

Amat malang apabila ada umat Islam yang rela diperkudakan....

Friday, July 8, 2011

Bersih? Apa Itu?


1.Adakah dengan menghadiri perhimpunan-perhimpunan yang dipenuhi emosi ini akanMenyelesaikan masalah? Mengapa pelajar-pelajar yang antaranya mendapat pembiayaanUntuk meneruskan pengajian tinggi yang juga memegang amanah duit pembayar cukai sertapelapis pemimpin masa hadapan sudah macam terkinja-kinja megepak bagaikan helang untuk melibatkan dalam arena radioaktif yg penuh risiko tanpa dahulu mengenali jenis-jenis radiasi ? Ini antara pemerhatian dan sentimen-sentimen yang kita boleh temui di laman-laman sesawang sosial dengan ‘wall’ yang sentiasa bertubi-tubi ‘like’apa-apa saja tanpa pembacaan dan perhalusi sesuatu atas dasar ‘ikut kawan,popular,hentam sajalah...’.

2. Secara amnya mengapa tidak begitu ramai yang ingin ketengahkan isu-isu yang berkaitan ilmiah,impak kajian sosial dan ‘intelligence measuring scale’ (dari sudut mikro dan makro) serta pengukuhan perspektif pelbagai dalam bidang-bidang selain politik? Tak perlulah kita terlalu obses mengikuti berita 'condemnation' yang smmgnya buang masa sebab waktu kita di sana pula bagaimana pula nanti agaknya.No one knows.selalunya apa yg kita terlalu sangat menegur/mencaci scr tak langsung kita sdg membersihkan dosa org itu


3.Saya secara individu bukanlah penerima manfaat mana-mana pihak secara langsungmahupun secara tidak langsung tetapi hakikatnya kesemuanya di lokaliti ini dapat pelbagai kemudahan dari kecil sampai hari tua tambahan pula boleh lagi kongsi melepasi sempadan

4.Saya dapat rasakan orang-orang yang dibantu begitu banyak antara yang paling kuat Menentang tetapi tidak pula menolak segala kemudahan bulat-bulat apa yang dikhususkan eg:dari kecil terima khidmat tadika,sekolah rendah,sekolah menengah,university,khidmat kesihatan,kuarters, elaun sana-sini sehinggalah ke hari pencen,subsidi minyak,subsidi gula-gula,biasiswa semuanya atas polisi-polisi kebajikan yang dilaksanakan selama ini sehingga TERLALU SELESA.

5.Populasi yang semakin meningkat=permintaan yg tinggi: kenaikan pelbagai bahan mentah diperingkat pasaran dunia oleh para 'speculators' yang‘match supply& demand’ merupakan faktor-faktor perubahan harga ditambah pula perubahan iklim bumi yang mengubah kadar pengeluaran umpanya makanan serta bilangan individu yang cerdik pandai saban hari meningkatkan persaingan bagi sumber-sumber/kemudahan/peluang-peluang seperti yang dinyatakan antara faktor besar yang mempengaruhi kestabilan sesebuah tanah air itu. Di situ pelbagai inovasi telahpun diusahakan dan bidang keberhasilan boleh dinampak dengan kadar pengangguran yang rendah,inflasi di paras terkawal dengan keizinan Allah semuanya.

6.kebelakangan ini kita Nampak ada elemen ketegangan makin menular sana sini walaupun usaha-usaha mengoptimumkan sumber-sumber untuk masa-masa akan datang telahpun dalam proses tetapi Nampaknya masih minda-minda dikalangan kita masih kabur sebab emosi menguasai pertimbangan dan keterlaluan ‘to be frank’

7.Apakah generasi esok akan dapat kecapi seperti apa yang pernah kita terima ini jika sikap-sikap tunjuk perasaan dan ketegangan mengisi ruang di bumi bertuah ini yg baru 54 tahun?

8.Melalui kehadiran media digital yang boleh diakses,ditokok tambah dan dimanipulasi oleh pihak-pihak yang dahagakan kepentingan dan dilayari semua peringkat umur sememangnya memerlukan ‘soft & hard skill’ untuk menapis dan meneliti maklumat yang kadang-kala agak ekstrim jika sekali pandang.Jika emosi sebegini berterusan produktiviti, kualiti serta persepsi masyarakat antarabangsa boleh menjejaskan usaha-usaha jangka pendek,sederhana dan panjang membuatkan perpindahan operasi pernigaan, kehilangan pekerjaan,mengurangkan pendapatan cukai yang boleh mencetuskan situasi panic antaranya terhadap semua pihak .Tetapi ada juga pihak-pihak luar yang ingin jua melihat kejadian seperti ini berlaku.Melainkan yang ‘cerdik’ lagi ‘bijak’ dalam urusan-urusan pentadbiran jangka panjang apakah kita hanya mahu sekadar maju dengan tindakan demo,demo demo dan DEMAM tatkala percaturanyang lebih kompleks dalam masa mendatang menanti yg mana 1+1≠3 ? All is about the game ofnumbers and power of microchips ^__^


Kadang-kadang sesuatu benda boleh saja dijanji sbb lidah tdk bertulang

Sebelum memulakan tugasan yang difikirkan mudah

Semmgnya manusia biasa tidak sempurna tetapi

Terlalu taksub akan mengambil kuasa secara mendadak boleh mendatangkan bahana jika tanpa

Mengkaji Perhitungan kompleks terutama dlm arus radiasi globalisasi

Saya ulangi kita tdk boleh hidup bersendirian ttp perlu mempunyai pendirian

-dlm proses mematangkan diri yg serba kekurangan dlm mengharungi bahtera kehidupan hari ini dan hari esok yang lebih besar dan lagi mencabar ; bumi masih bulat.

- pada tahun 1998 yang mana pada masa itu saya berusia 9 tahun terbayang lagi ucapan Al-Gore yang datang ke Kuala Lumpur dan menempelak negara ini di mata dunia.

Kita hampir-hampir tersungkur gara-gara kerana seorang individu, mahukah pada tahun 2011 sejarah yang sama diulangi? Sama-sama fikirkan

yang mana kebanyakan pada tahun 1998 yang berdemo sudah dapat membacanya dan sedar akan tujuan licik oleh pihak-pihak tertentu; harap-harap yang 'batch' 2011 lambat laun faham akan Kenapa,Siapa,Bagaimana, apa sebenarnya demo asing ini Berlaku


Sunday, June 12, 2011

Petua Awet Muda

Muka anda biasanya akan berminyak selepas bangun tidur.

Inilah masanya untuk mengamalkan urutan wajah.

Urutkan wajah anda dengan air dari bawah dagu hingga ke atas dahi diiringi selawat ke atas Nabi 3 kali.

Gunakan jari telunjuk kedua-dua belah tangan dan letakkan di bawah dagu. Pusingkan jari anda ke pipi,pipi ke hidung dan seterusnya ke bahagian dahi.

Lakukan setiap pagi disusuli dengan meminum air suam sebelum mengambil sarapan pagi. Perlu diingat, jangan sekali mengurut wajah anda dari atas ke bawah kerana ia akan mempercepatkan proses kedutan.

Sejurus bangun pagi baca doa, amalkan petua ini sebelum mandi dan gosok gigi. Masukkan air dalam mulut selama 10 saat dan selawat 3 kali dalam hati. Kemudian, baru diteguk.

Air liur pada awal pagi mengandungi enzim yang boleh menjadi penawar, kemudian barulah menggosok gigi.

Baca ayat 35 hingga 38 surah Al-Waqiah setiap kali mandi untuk curahan pertama, mulakan dari kepala.

Setelah solat subuh, bacalah surah Yusuf kemudian minum tiga teguk air suam. Mudah-mudahan wajah kelihatan berseri dan awet muda.

Setelah itu lakukan senaman ringan. Hirup udara segar dari luar dan jalan tanpa memakai kasut di halaman yang berumput. Geselkan kaki di atas rumput yang masih berembun.

Amalkan memotong kuku atau rambut pada hari-hari baik iaitu Isnin, Khamis dan Jumaat.

Mulakan dari telunjuk kanan sehingga kelingking jari kanan, seterusnya kelingking jari kiri ke ibu jari kiri dan diakhiri dengan ibu jari kanan.

Amalkan menanam kuku dan rambut yang dipotong atau gugur mudah-mudahan mendapat berkat di dunia dan akhirat

Semasa berdandan pada waktu pagi baca selawat di kedua-dua telapak tangan dan rautkan ke muka beserta niat dalam hati supa diindahkan wajah seperti wajah Nabi Yusuf AS. Amalkan setiap pagi.

Ketika makan, janganlah disulam dengan minum air.

Minumlah setelah setengah jam selepas makan.

Rajin-rajinlah membaca Al-Quran dengan niat ikhlas kerana Allah.

Amalkan solat tahajud.

Sentiasa tenang dan bersikap positif.

Mulakan sesuatu urusan dengan nawaitu yang baik dan niat kerana Allah.

Maafkan semua orang sebelum tidur.

Monday, May 16, 2011

100 Tingkat


Menara tersebut akan dibina oleh PNB. PNB merupakan sebuah institusi pelaburan utama negara dengan pelbagai portfolio kepentingan yang meliputi saham amanah, amanah harta institusi, pengurusan harta dan pengurusan aset.

PNB bukannya sebuah badan yang menyediakan dana untuk wakil-wakil rakyat menjaga kawasan mereka. Mereka menjalankan perniagaan dan keuntungan kepada perniagaan itu digunakan untuk membayar dividen kepada pelabur-pelabur mereka seperti ASNB dan juga beberapa saham lain lagi.

Pembinaan Menara Warisan di kawasan strategik tersebut adalah salah satu bentuk pelaburan jangka masa panjang. Sekiranya menara tersebut tidak diperlukan lagi satu hari nanti, ianya boleh dijual dengan harga berlipat ganda.

Jika sekarang dibina dengan kosnya RM 5 bilion, 10 tahun lagi mungkin ianya menjangkau RM 8 bilion. Tahun demi tahun nilainya akan naik. Rekod setakat ini belum pernah menunjukkan nilai hartanah di negara kita menurun. Semuanya makin menaik tahun demi tahun.

Pembinaan menara tersebut bukan lagi serampang dua mata, tetapi ianya serampang bermata-mata. Selain itu ianya boleh menjana untung kepada PNB dan seterusnya kepada rakyat melalui ASNB, ianya juga dapat menjadi mercutanda terbaru KL dan seterusnya boleh menarik pelancong datang ke negara kita.

Selain itu juga ianya dapat mengatasi masalah kekurangan tanah di KL untuk pembinaan pejabat-pejabat atau ruang niaga yang baru. Dapat juga menjadi pusat sehenti peniaga-peniaga bumiputra yang hendak berniaga di sana.

PNB juga akan memindahkan semua pejabat-pejabatnya yang berselerak di serata Lembah Klang ke satu tempat. Bangunan PNB yang ada di Jalan tun Razak sekarang sudah tidak cukup lagi untuk menampung operasinya.

PNB boleh menjual bangunan lamanya atau mereka boleh simpan sebagai aset dan sewakan kepada pihak lain. Berebut-rebut syarikat yang berminat untuk menyewa bangunan lama PNB sekiranya tawaran dibuka, kerana ianya berada di kawasan yang strategik.

Sejarah telah membuktikan segala yang dirancang dan dibangunkan oleh kerajaan sebelum ini sering ditentang oleh mereka. Contohnya, Jambatan Pulau Pinang, KLCC , Litar F1, KLIA dan Putrajaya.

Sekarang semua pembangunan-pembangunan ini telah mendatangkan hasil dan dapat memacu pertumbuhan ekonomi negara. Sekarang siang dan malam Lim Guan Eng melalak supaya pembinaan jambatan kedua P.Pinang dipercepatkan.

Pemegang-pemegang saham dalam PNB (ASNB) tidak perlu risau dengan perkara ini. Pembinaan menara ini tidak melibatkan duit pelabur. Simpanan anda selama ini juga dijamin oleh kerajaan. Tidak pernah lagi berlaku, pelabur tidak boleh mengeluarkan wang mereka setiap kali mereka ke kaunter pengeluaran wang. Biarkan pembangkang terjun dengan labu-labunya. Yang pasti segala apa yang mereka tentang selama ini telah mendatangkan hasil kepada negara dan secara tidak langsung kepada rakyat.


Saturday, April 30, 2011

OnIslam

By Dandy Koswaraputra

Many Indonesians see dinars and dirhams as the best way of protection against economic fluctuations.

Seeing it as a source of security amid global economic instability, Indonesians are returning back to traditional Islamic currently in their daily transactions.

“I’ve chosen dinar because of it is safe and stable,” Hardjito Warno explained on Saturday, February 26.

The Indonesian man has been collecting gold dinars as a long-term investment since 2006.

He is now the holder of more than 50 coins in his deposit box, which he sometimes uses for certain purposes, such as paying education fees.

“[The] dinar is very liquid so I can use it for multiple purposes,” Warno said.

Dinar and silver dirham are available in shops in the world’s most populous Muslim country.

For collecting the Islamic coins, Warnoh regularly buys dinars from an agent in Jakarta.

Read More

Friday, April 29, 2011

By ThomsonReuters' Global Head of Islamic Finance based in New York

Open letter to Former Malaysian Prime Minister Tun Dr Mahathir

DEAR Dr Mahathir,

Asalaam Alaikum

As a visionary former prime minister, in forcefully addressing the currency crisis and now as a `global ambassador' of Islamic finance, your words carry much weight across the Muslim world. A "keynote-cum-pep rally presentation," as only you can deliver, is needed for Islamic finance to go from cheerleading to leading cheers in the Muslim countries and beyond.

Dr. Mahathir, some of your recent comments about Islamic finance are ahead of our time. Yes, Islamic finance may be seen as superior model to conventional finance and after a few more decades of operation, say, by 2030, will prove that you are right.

And it may also provide an opportunity for Muslim countries, all of them either frontiers or emerging markets, to become developed nations by financing real underlying assets contributing to gross domestidc product (GDP), from agriculture to industrial to service sector.

But, today's Islamic finance is risk averse (Murabaha accounting for up to 85 per cent) and about bankable Muslims with nominal exposure to micro-finance, small and medium enterprise (SME) financing or venture capital, areas that contribute to financing/building knowledge base economies. The size of many Islamic banks is a rounding error or size of a transaction in the conventional space.

There is saying, a chain is only as strong as its weakest link, for Islamic banks, subset of Islamic financing, it is their lack of size. Many Islamic banks are privately held, have small free float and their paid up capital is under US$500 million (RM1.53 billion). Yes, an Islamic mega bank, allowing for important functions like market making of Islamic instruments, will be a reality in Malaysia in 2011.

However, a newly licensed Malaysian Islamic mega bank is not the only route to 'size matters' banking environment. Today, the small Islamic banks are fragmented in overbanked markets, like the United Arab Emirates and Malaysia, and comments on consolidation will resonate when the source, like yourself, Dr Mahathir, having a proven track record, respect, and recognition as former leader of a country that is a leader in Islamic finance.

Consolidation

Dr Mahathir, Malaysia, as a table setter for Islamic finance, initially needs to look inward towards its overbanked Islamic banks and seriously think about "consolidation-cum-megabank." The Malaysian Islamic banking subsidiaries, having spent enough time to grow and develop under their parent banking holding company, should be encouraged to merge, as part of the Economic Transformation Plan (ETP).

From the Pemandu website, on where we are today, "? the [financial] sector faces critical challenges, including lack of scale, lack of liquidity and diversity in the capital markets, low levels of financial literacy and competition from regional financial centres such as Singapore, Hong Kong and increasingly Indonesia".

Additionally, Malaysian bank holding companies should be encouraged to spin off their Islamic subs and list on Bursa Malaysia, hence, adding additional depth with syariah-based companies. As public listed, it opens up opportunities for (1) syariah-based indices, (2) stock options as part of compensation for attracting and retaining, (3) start process of Islamic shareholder activism, (4) acquisition currency, and so on.

Yes, there will be challenges, from desire to stay independent, especially for market share leaders, to political sensitivities to citing studies that mergers in the financial sector do not obtain the projected strategic efficiencies and so on. But, we have an example in Pakistan of two Islamic banks merging, Al Baraka Islamic Bank and Emirates Global Islamic Bank, to obtain strategic and financial efficiencies.

Size, especially horizontal mergers of commercial banks, allows for greater economies of scale, efficient use of distribution channels, better cost management, and ability to offer those products that are a function of size: project finance, debt underwriting, market making (all of which require a balance sheet).

Size also opens up many macro objectives of Islamic finance, like financially empowering Muslims, Organisation of Islamic Conference (OIC) countries and cross sell of Islamic finance, and sets an example for the fragmented Gulf Cooperation Council (GCC) market.

A mega Islamic bank needs to compete with the likes of CitiBank, HSBC, Standard Chartered, JP Morgan Chase, etc, and not their windows and subsidiaries for mega projects, advisory, underwriting, etc, in OIC and G20 countries. It is here and at this stage, where your comments about Islamic finance being a superior model and contributing to development of Muslim countries, etc, will be confirmed.

Existing situation

Dr Mahathir, today, Islamic finance is starting from a low base, 25 out the 57 OIC countries have some sort exposure, from nominal to established. Beyond the smaller reach, Islamic bank penetration, as a per centage of overall banking assets, is also at a low base, averaging 12 per cent. Chart 1 shows a sample of OIC countries and market penetration.

At best, Islamic finance has reached 2 per cent to 3 per cent of the 1.6 billion Muslims, and, yet, the often ignored US$640 billion (RM1.96 trillion) Halal industry has not only better awareness and acceptance, but much greater market penetration.

Today, Muslim countries' GDP, except Turkey's and Indonesia's, are smaller than large capitalised listed companies in the West. For example, Malaysia's GDP for 2009, was about US$193 billion (RM591 billion), equal to the market capitalisation of Google. Table 1 shows Top 10 OIC countries GDP (World Bank) to the market capitalisation of the 10 largest companies in the S&P BMI Global index.

Thus, the litmus test is twofold: First, If I'm an emerging market (Islamic) asset manager in the Gulf or EU/US and I want to invest in publicly listed (market share leaders) in Islamic banks (and not in their funds) where do I go? Is Bank Islam my preferred option over Dubai Islamic Bank, Kuwait Finance House or Al Rajhi?

Second, if I'm a Fortune 50 company and I want to retain a large balance sheet Islamic bank to expand my sources for efficiently raising capital, advisory, and distribution for US$1 billion to US$5 billion (RM3.07 billion to RM15.3 billion) sukuk or syndicated loans, where do I go?

Does Malaysia have the will and vision to be that one-stop destination answer today?

Thank you, Wasalaam and kind personal regards.

* The writer is ThomsonReuters' Global Head of Islamic Finance based in New York

U.S. That Matters

"Socialism only works in two places:

Heaven where they don't need it and hell where they already have it."

'Here's my strategy on the Cold War:

We win, they lose.'

'The most terrifying words in the English language are:

I'm from the government and I'm here to help.'

'The trouble with our liberal friends is not that they're ignorant;

it's just that they know so much that isn't so.'

'Of the four wars in my lifetime, none came about because the U.S. was too strong.'

'I have wondered at times about what the Ten Commandments would have looked like if Moses had run them through the U.S. Congress.'

'The taxpayer: That's someone who works for

the federal government but doesn't have to take the civil service examination.'

'Government is like a baby:

An alimentary canal with a big appetite at one end and no sense of responsibility at the other.'

'The nearest thing to eternal life we will ever see on this earth is a government program.'

'It has been said that politics is the second oldest profession.

I have learned that it bears a striking resemblance to the first.'

'Government's view of the economy could be summed up in a few short phrases:

If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it'

'Politics is not a bad profession.

If you succeed, there are many rewards;

if you disgrace yourself, you can always write a book.'

'No arsenal, or no weapon in the arsenals of the world, is as formidable as the will and moral courage of free men and women.'

'If we ever forget that we're one nation under GOD, then we will be a nation gone under.'

Tuesday, April 19, 2011

Let's this article remind us on our Spiritual

Near the coast of Japan there has been an earthquake as we all know! Experts say that this will lead to a formation of new island. If u remember that Prophet Muhammad (SAW) had once quoted that DAJJAL is imprisoned on an island towards the west.

Japan is the first land to receive sunlight and to see the dawn in the world. Before the coming of Imam Mahdi (A.S) it was quoted that the year before his arrival will face solar n lunar eclipse which has already occurred twice this year! There are more signs which can be seen around! Is the Judgment Day closer?! Allah knows better! Offering Salaah is one of the most necessary work in all our lives while straining away from all the wrong path! This is a wake up call for all the Muslims! Let's unite and face the signs together and be happy to get rid of this slavery life of ours! Forward this message if u think this is relevant! The choice is yours!!

Our Prophet Muhammad

(SAW) told us that there would be 3 major earthquakes before the

Judgement Day. One in the east, one in the west and one in Arabia.There has already been one in Japan (East) and one in Haiti (West).It's so very scary! What have we done to deserve a place in Jannah? We watch TV, swear, talk back & give attitude to elders, we watch things that we are not supposed to watch, some don't even dress modestly. We listen to music & spend time learning the lyrics, but why not learn the Quraan? It's probably because we don't have enough Imaan (faith) in us. We need to get rid of the bad habits and get onto the good ones. Send this to as many Muslim brothers and sisters as possible. If people act upon this, then Insha Allah, you will get rewards. 93% will not pass this on, will you be one of them? Courtesy: fi se bi lillah. It's good to inform people hope you learn from it. (The fwd part is up to you, I just wanted to spread the info.). May Allah help us all! Ameen!


-----------------------------

(up to you all, spread, or share among you guys or anything)

ref:

http://news.nationalgeographic.com/news/2010/02/photogalleries/100210-undersea-volcano-island-japan-pictures/

Friday, April 15, 2011

Interesting figure on EPF members saving

Interesting figure on EPF members saving



Below is the table of the active Eemployee Provident Fund (EPF) members saving as of 31 December 2008,

Will be useful if you need this data for reference for research or financial planning purpose to see at which category are we at ??????


Saving Range (RM)Total MembersMembers Percentage (%)Savings (RM)
023,9140.420
<1-1,000417,8847.32205,339,378.47
1,001-2,000282,8954.96416,222,989.05
2,001-3,000218,8753.84544,279,814.89
3,001-4,000185,2413.25646,480,763.64
4,001-5,000165,3612.90742,886,900.21
5,001-6,000150,8752.64828,948,491.27
6,001-7,000140,1102.46910,013,814.16
7,001-8,000131,3152.30984,079,405.51
8,001-9,000122,0382.141,036,634,449.82
9,001-10,000115,2392.021,094,560,448.70
10,001-15,000505,4598.866,274,437,487.79
15,001-20,000402,3177.057,006,200,344.82
20,001-25,000333,8185.857,488,088,437.20
25,001-30,000279,7004.907,671,183,643.56
30,001-35,000237,0114.157,688,957,190.75
35,001-40,000203,4783.577,618,443,162.94
40,001-45,000176,1223.097,475,153,676.64
45,001-50,000153,5412.697,284,307,982.62
50,001-60,000252,4234.4213,832,466,217.96
60,001-70,000196,6143.4512,740,412,452.76
70,001-80,000157,9102.7711,816,132,770.81
80,001-90,000127,4302.2310,808,822,775.24
90,001-100,000104,0821.829,870,909,954.72
100,001-110,00085,1311.498,924,346,896.98
110,001-120,00070,0631.238,047,153,158.42
120,001-130,00057,4891.017,178,668,095.68
130,001-140,00048,3400.856,518,913,622.65
140,001-150,00040,5540.715,874,500,314.46
150,001-300,000232,6904.0847,052,228,297.56
300,001-400,00038,6090.6813,241,101,548.01
400,001-500,00018,2600.328,112,502,128.49
500,001-600,00010,2930.185,619,620,061.69
600,001-700,0006,2150.114,011,907,379.98
700,001-800,0003,8990.072,908,558,354.95
800,001-900,0002,7000.052,287,290,845.75
900,001-1,000,0001,8350.031,737,519,197.92
>1,000,0006,4620.1110,023,567,600.41

5,706,192100.00256,522,840,056.48

Saturday, March 12, 2011

Wacana Perdana Pemikir Muda




First and foremost I would like to congratulate Tun Mahathir Mohamed whom successfully launched his book entitled 'A Doctor in the House' on March 8 2011.Definitely I don't want to miss a chance to read this book by going to MPH Gurney Plaza tomorrow.
Well it's been chaotic days of lately ranging from protests across Middle East since January 2011 till the Tsunami in Sendai with 8.9 of Richter Scale that happens on March 11 2011. What a challenge humanities is facing of lately.Well God knows best on everything while as mankind we should constantly learnt and evaluate behind any calamity that happens.A deep condolence to the Japanese people.That's all on this part since many people are alert with those news without much has to be tell here.
On January 20 2011 me and my friends attended the talk in UTEM (Universiti Teknikal Malaysia) situated at Durian Tunggal in Melaka just about 8 kilometers away from my campus MMU (Multimedia University).Well definitely I'm eager and excited to go none other than Tun Mahathir shall be be there to deliver his lecture regarding issues encompassing current affairs
1.on education-good education is the very basic thing one should had as to Quran verse that was first reveal to Prophet Muhammad begins with the word 'Iqra' which means 'Read'

-attitude is a determiner of where one is heading

-sufficient knowledge to meet with rapid change of global environment
-things must be improved

He stressed again that as youngsters, knowledge empowerment + information are tools that must be possessed at all time plus attaining efficiency in our undertakings
be it business, daily routine and whatsoever that applicable





2.on economy matters

No doubt Tun Mahathir's struggle to put the Malays economy on par with others are commendable and he remain steadfast and critical towards this idea.But then he mentioned the reality and dilemma in retrospect while pursuing to put the 30% cake on the enlarged economy pie.

-the culture and values in Malays towards business still remain unsatisfactory

-stands is not parallel with the progress and changes that are happening

-not hardworking enough to sustain with the flow
-tend to take shortcuts especially when one is bestow with license or contracts and
did not put a serious undertakings

-abuse of drugs, narcotics, drinking habit and womanizer among youngsters

-inferiority complex by having a though (''only white-man can make
things,only others can'') such manner of thought is the biggest barrier to find our root towards success

-being a specialist ( he shares his experience that he reads the medical books so many times in order to sit for an exam that able him to pictures of what he has read came so smooth while on exam) keep on repeating doing something to attain efficiency


-don't read once.read repeatedly

-nevertheless we have to pay back the good deeds of others by returning it back to the people at large who had given us so much moral supports. Whereby in 'pantun' leaves us with very paramount message to remember and mind of others good deeds.

Pisang emas dibawa belayar
Masak sebiji di atas peti
Hutang emas boleh dibayar
Hutang budi dibayar mati

-use wisely the bonus that is currenly given by Allah the most Gracious and the most Merciful




I am glad to be in the lecture hall to listen to Tun again after for about five years back then when I was still in my high school

He motivates me a lot both directly and indirectly in my undertaking and th
ought ever-since

Above are the summary which I pen-down as far as I remember

Credit to Nur Saiyidah Izzati & Nushahira Abdul Salim for the pictures taken + Rifayudheen Bin Ahmad Khan for calling all of us to attend this memorable event.








Monday, October 4, 2010

What I Could Recommend for Services

Dear family and friends.

If you are looking for any services listed below you can acknowledge me as the person

services I recommend come from those people that I personally knew and prices offering

are as where it is basis.

- Car rental service

- Hotel (economy)

- Jewellery

- Prepaid

- Medical Insurance

- Caterer

- Chocolate and Tid Bits Supplier

- Contractors in field of construction ( renovation )

- Books on Islam / Quran / Kitab

- Mengurus Hantaran Perkahwinan

- Trophy / Award

- looking for jobs anywhere across any segments

* subject to early notifications

* applies mostly in Penang; if other places subject to consideration

* terms and conditions applies.

anything u can reach me at billcorp23@yahoo.com or my personal mobile phone

Thank you.

Friday, September 24, 2010

Food & Beverage Business – Discover on How You can reach-out to Millions of readers!

Some businesses spent thousands of dollars engaging in advertising and promotional campaign in order to promote their products or service into the market. Worst is, the result wasn’t justify the cost o your investment.

However, we can opt for other options as there are also a few cost effective or perhaps zero cost to get your business reaching out to the public:

Sign-up for every FREE listing you can find e.g. online listing, directory listing, internet portal etc.
Getting involves in Online Forums by giving feedbacks and suggestions and of cause letting people know when your source is and where you came from.
Even if your company decided to go on with advertisement, it is important choose those channels that reflect exactly to your target market and somehow the advertising channel or the subsidiaries had had built a strong foundations.

Recently I’ve found a great platform for FREE listing or even if companies would like to advertise their profile, as there are affordable packages available. Check this out: e-Dining

************************************************
The First Few Steps To Boost Your Business in Turbulent Time
************************************************

Internet has become a main source of promotional tools in today business. In catering to the need and trend, Yellowpages has developed their segment in series of online directories and one of it is e-Dining, which is doing very well.

In a dynamic business context today, it is important to allocate a budget be it for branding, creating awareness or reaching out to the publics and perhaps your potential client. However, there are tones of advertising medias in the market and all claimed themselves to be great.

It’s important to understand the criteria, as the guideline for us when we source for one. Based on our years of business in the distribution channels, the top rated criteria when selecting for an advertisement channel are:
Maximum Exposure. Consider the other related strengths of the particular channel. This is to ensure that your advertisement is well-placed and assured of being exposed to high traffic usage.
Track & Measure Information. Look for advertising tools that somehow can enable you to track users who click on your link, see where they go on your website, know which product is the most interesting to users, and correspond with your product development as well as sales target.
Focused Market. Do some research and study on the target segment of the advertising channel. On a later stage, this will help you reach-out to users who are looking for you product e.g. Food and Beverage destinations.
Affordable Advertising Rates. A comprehensive advertising packages that contain information that you want others and your potential client to know about you particularly in Food & Beverage destinations

************************************************
Researching Topics
************************************************

The Internet is primarily used to communicate, entertain, educate and research. It is thus no wonder that information-intensive eBooks, e-Directories, e-Catalogues etc are the most popular online products at present.

How do you decide on having those to help bring sales lead for your business?

There is no right or wrong answer, which is the best way to promote online... Perhaps some of the good suggestions are:
Digitized your current printed material e.g. Brochures, Catalogues etc and start doing mass marketing via emails.
Out-source the marketing programme to the experts if you have some budget for this, as might cause you sum amount of money.
Associate with the established organisation that somehow inter-related to your industry to get leverage on their corporate branding and clientele, this will depend on what win-win benefits you can offers back to them?
Engage with medias in terms of advertisement channels depending on which target segment that your nature of business is aiming.

The whole idea is to tag along into an existing statically proven channel and leverage on it to reach out to your potential clients. Therefore Yellowpages had created e-Dining, a Digitized Directory, as a perfect platform. e-Dining

Generate more business leads with e-Dining
High quality leads straight to your phone & website
Cost-effective advertising to suit all budgets
Range of options to stand out from your competitors
Choose advertising that best targets your customers

Saturday, September 11, 2010


Though we may hear lots of economics pessimism trumpeting over the news I personally feels there are vast of emerging potential business to fight with current monopolize brands in respective sectors after spending some time with the reading materials illustrate above.It's done without an intention to promote those book/papers..^__^

Well innovation and R&D are the key to new product or services beginning plus with management talent utmost to steer unprecedented challenges across the journey of development.huh I have no idea how those successful businessman have got such a brilliant move to strengthen their capacity and skills verily..Anyhow it's such a thrill for me to complete reading China.Inc ever-since it gives me multiple perspectives on issues related to labor , manufacturing , location factors and overview on how relationship between the MNC's with the government generally that brings large effects on the population so as to socio-economic matters.

Well I feel like sharing with all of you the interview on YTL Managing Director whose among the most outstanding tycoon who builds the business empire that are renowned worldwide while still preserving the 'Look East Policies' with business beyond boundaries.Again, visionary management is the key..Enjoy...





Tuesday, August 31, 2010

Komentar Umum-Sekadar Renungan

1.Honesty is the first chapter in the book of wisdom.

2.Mulut/pertuturan/ayat antara merupakan senjata paling berbisa lagi tajam yang
seringkali manusia sering alpa menjaga

3.Mencari sebab musabab untuk mencetuskan perselisihan mudah dibatu-apikan

4.Amanah kian dijadikan sbg sumber hidup

5.Soal hutang-pemiutang mesti dijaga/direkod sebab hutang dunia antara perkara yang
akan menjadi bebanan terhadap Roh tatkala dicabut dari jasad.

6.Cakap mesti serupa bikin.Sebab itu janji bukan main-main.

7.Doa agar sentiasa hati kita sentiasa dibersihkan serta memaafkan semua orang
keluarga rakan rakan dan sapa sapa saja sebelum tidur.Ayat ni pinjam dari Dr
Fadzilah Kamsah.

8.Below age of 40- Masih ada peluang untuk berubah

9.Respek orang muda terhadap orang yang lebih tua kian luntur

10.Gosip, budaya membodek serta membenarkan berkumandang khabar angin yang kurang
sihat serta menjahanamkan kemasyarakatan mestilah dielakkan sama sekali.

11.Rajin membaca menganalisa dan menyelidik tanpa mengikut rentak emosi sebaliknya
memahami apa yang tersurat lagi tersirat.

12.Pendekatan bijaksana mesti dipraktikkan bukan kerana marahkan nyamuk kelambu
dibakar.Lingkopsi nanti.Nak bina semula akan sesuatu yang baik memakan masa.Nak
runtuhkan sesuatu boleh dilakukan sekelip mata.Bersatu kita teguh,bercerai kita
lebih sasa? Melainkan ada kuasa ajaib lah..

13.Tanggungjawab antara perkara yang amat amat berat yang mesti dititikberatkan.

14.Bermasam muka?..jangan..Rezki mahal..Senyum selalu...

15.Perangkap dan helah-helah mesti difahami dan dikenali..

16.Buat apa yang difikirkan perlu dan patut selagi badan bernyawa..

Natijahnya nilai dan sifat-sifat progresif berlandaskan norma-norma yang membina mapan lagi berdaya-saing harus dikemaskini mengikut peredaran zaman sebaliknya bukan berlandaskan doktrin, caci-mencaci yang akhirnya memecahbelahkan serta merosakkan masyarakat bagaikan jelmaan barah merebak yang membunuh keseluruhan jiwa raga makhluk manusia dalam erti kata lain penjajahan minda masih terang-terangan menusuk minda jaringan-jaringan sesetengah kelompok.
Agar terpelihara kita daripada kemurkaan Allah Ya Rabbi dan dikurniakan rahmat serta dorongan ilmu menjadikan kita lebih kental lagi proaktif dalam pelbagai bidang.InsyaAllah..
Sila berikan teguran untuk perkara perkara yang difikirkan perlu untuk diketengahkan.

Wednesday, May 5, 2010

In Memories

This post is dedicated to my late Grandmother whom peacefully returned to the Creator on 4/5/2010 @ 2.15 pm.I was not to be made known over her departure until at the evening at around 6.30 whereby I felt something strange whereby my Dad whose understandably in Nilai for his meeting there.Out of sudden he rang me up at about 5.30pm informing that he's on my way to see me in Melaka when I assumed that he would still proceed with his meeting as usual and discounted that he wouldn't be coming to see me as my semester break is nearing thus he would then make his way back to Penang instead.

Upon my dad's arrival, on my way downstairs greeting my dad there's another call from my cousin asking 'Nabil,when are you coming back?' and I replied 'right after my exam on May 16' and consequently he responded ''I'll call you back''.Then I sensed something is not right.Then on our way for a dinner considering my dad might be hungry travelling down here visiting me we proceeded for dinner.Then there's another phone call and this time is from my mum and I feel double strange again as there's something important matter to be hide.Then mother asked,
''Has daddy inform you anything?''
Immediately, I replied 'No' while hearing background sound of sorrow then I get to know that my grandma addressed as 'Mami' 'is no more' interrupted by my dad.Later on,my dad drives back to Penang without me to pay a visit.
So today my both grandmother is no more available in this world and they were both 'taken' simultaneously within the same year so as to my grandmother of dad's side addressed as 'Opah' of whom laid to rest on Jan 1 2010.Now I do only have my grandfather (mum's side') left at 84 years old.While my grandfather of my father's side passed away somewhere in 1985 before I was born.Wish that my grandfather will be strong enough there to accept the departure since she had accompanied him for about 60 years!

Overall it's a double whammy for me who is away and could not give my last respect as I'm now on my final examinations that officially kick-starts on May 5 carrying 6 subjects which is quite heavy and I was advised hard by all my immediate family members not to comeback and remain focus with my exam and now had so far done with 1 paper and left 5 more in addition to MUET speaking test.On another note I was inform by my mum again that the late grandma did mention my name three times before her last breath.Really miss them.Al-Fatihah and Yassin and that's the best gift for all of them.Semoga roh mereka dicucuri Rahmat...

Friday, January 29, 2010

NEW DEFINITION 2010....

CIGARETTE:
A pinch of tobacco rolled in paper with fire at one end and a fool at the other!

MARRIAGE:
It's an agreement wherein a man loses his bachelor degree and a woman gains her master

LECTURE:
An art of transmitting Information from the notes of the lecturer to the notes of students
without passing through the minds of either

CONFERENCE:
The confusion of one man multiplied by the number present

COMPROMISE:
The art of dividing a cake in such a way that everybody believes he got the biggest piece

TEARS:
The hydraulic force by which masculine will power is defeated by feminine water-power!

DICTIONARY:
A place where divorce comes before marriage

CONFERENCE ROOM:
A place where everybody talks, nobody listens and everybody disagrees later on

ECSTASY:
A feeling when you feel you are going to feel a feeling you have never felt before

CLASSIC:
A book which people praise, but never read

SMILE:
A curve that can set a lot of things straight!

OFFICE:
A place where you can relax after your strenuous home life

YAWN:
The only time when some married men ever get to opentheir mouth

ETC:
A sign to make others believe that you know more than you actually do

COMMITTEE:
Individuals who can do nothing individually and sit to decide that nothing can be done together

EXPERIENCE:
The name men give to their Mistakes

ATOM BOMB:
An invention to bring an end to all inventions

PHILOSOPHER:
A fool who torments himself during life, to be spoken of when dead

DIPLOMAT:
A person who tells you to go to hell in such a way that you actually look forward to the trip

OPPORTUNIST:
A person who starts taking bath if he accidentally falls into a river

OPTIMIST:
A person who while falling from EIFFEL TOWER says in midway "SEE I AM NOT INJURED YET!"

PESSIMIST:
A person who says that O is the last letter in ZERO, Instead of the first letter in OPPORTUNITY

MISER:
A person who lives poor so that he can die RICH!


FATHER:
A banker provided by nature

CRIMINAL:
A guy no different from the other, unless he gets caught

BOSS:
Someone who is early when you are late and late when you are early

POLITICIAN
One who shakes your hand before elections and your Confidence Later

Thursday, December 17, 2009

Of Maal Hijrah & Snippets

First of all I wish to take this opportunity to wish all Muslims Salam Maal Hijrah leaving behind 1430 ushering 1431 based on Islamic Qamari Calendar with a new white book venturing into new year with refreshing body,spirit and soul collectively! Alhamdulillah.

As new year emerge, lists of resolutions are written, understood and empowered to further improved our actions,dedication as well as attitude as a whole in respective field that we are involved in. With that regard, we must not embodied ourselves with slogans, mission statements, doctrines just.Rather understanding well every single aspects of matters on fundamental wise cohesively; repairing the flaw as wise as possible, promoting the application of our sensory perception in addition to our 5 sensory gifts proactively towards achieving blessing and honor from Allah the Sustainer both Universally & The Day After.It is not something easy to be done fortnightly but it can be optimistically done with a little of positive charges starting by the strong people, down to the grassroots in promoting peace and order.

Interpretation and speculation perhaps we can address as 'fitnah' on mankind are extremely wild and free showing no sign of stopping yet it gets worse from day to day none other then our fault and action suffice to say with improper use of media,manipulation and subtle play of unscrupulous games that lowly informed individual,groups and clusters got into trapped and eaten on the Chess board within few steps.How could our mind can be manipulated so nicely fertile?
Very poor of that.We wish protection from you Ya Allah.

On another note in the affairs of Muslim Societies today,cognitively speaking,bullets of selfishness, act of raucousness, acting smart and bunch of tricks must be gradually decrease and be avoided while focusing rebuilding the strength of Ummah in a modern world society without undermining the origin of teaching which are now hardly hit by our "ignorance + disintegration + insensitivity + pleasing foolishly' resulting losses of everything like an earthquake. To recover possessions that were lost are not an easy subject!

Life is a never ending assignments that must be continuously Cracked & Explore, Driven, Think and Enlightened

Thank you.

Thursday, November 26, 2009

November Updates


Hello everyone. Seems like it’s been for months I did not update the blog due to various matters and activities that arise. During the time, the process undergone was awesome as somewhat like attending seminars, talk and discussion forum primarily in my hometown as well as Malacca. Seem like the world is interesting here right now as there are so many disclosures and sharing from prominent individual speakers ranging from traders, investors, consultants and gurus in the area of management and business. I’m glad that I manage to observe certain issues more closely whereby the speakers highlighting traps and opportunities, information and issues at large in many ways within the context of our environment. However, what I could do most as of now is of course just to listen. In terms of knowledge application: hang on yeah

So much of the information mostly is crucial throughout the sessions for personal improvement which actually should begin in the youth life not just when one got employed. As for knowledge-wise it is helpful to nurture application processes for the reason that generally we undergraduate were under-exposed (perhaps due to too much of theories learning) in terms of the reality of today’s rapid system .I remember the phrase from one of the speakers says ‘‘make your information worth million of dollars”. But that doesn’t meant we are allow to abuse with the information we had but referring to decision making that wholly tells that the right information can make lots of differences in the affairs of managing.


Well as of recently on a different occasion under the subject of International Business (IB) taught by lecturer by the named of Mr Thev of whom invited the consultant from Panasonic Malaysia to share about IB matters . We were fortunate and delighted to learn about Japanese culture and customs. Among the matters that were decoded are

- Be a corporate citizen I every country by respecting culture, custom and language

- Give overseas operations the best manufacturing technology the company has

- Keep the expatriate low and groom local management to take-over

- Let their own rules, fine-tuning manufacturing process to match the skills of employees

- Encourage cooperation and build strategic relationship

Apart from that, the speaker shares on about how the FDI (foreign direct investment) had benefited us here to some extend

-flow of ideas, services and capital and technology

-wider choices for consumers

-acquisition variety of products

-mobility of labour, capital and technology

-creating employment opportunities

-maximization of resources

-R&D process

Throughout the sharing above I feel that the more we develop and progress the more responsibilities we shall shoulder ahead. Briefly that’s all about I am able to write on. To all muslim brothers and sisters I wish to take the opportunity to wish you Salam Aidil Adha.If you have any ideas or feedback feel free to do so.