Differences between Conventional System and Islamic System

Conventional System

conventional system basically based on the capitalis system where who have the excess money will have the potential in having the opportunities to grab the chances. It based on the 5 basic chracteristic which is :

1. Character

2. Capital

3. Condition

4. Capacity

5. Collateral

Islamic System

Some people think that the Islamic System operation similar with the conventional system but it totally wrong because Islamic System being founded based on 3 basic element before it can be narrow down to another 5 chracteristic in the Islamic System. Islamic System are being founded based on the society-based. Why do I say so? Because in Islamic System the financier not only focusing in gaining the

the wealth or profit but also concern on the society welfare.

3 basic element:

1.equity financing
2.debt or term financing
3.trade financing

5 basic chracteristic in Islamic System:

1. Social Concience
Islamic System concern on the particular business that will be conducted so that the public will not get the impact from the business.

2. Balanced business
Every business that the muslim want to establish they must balanced up their business activities because Islam teach their follower to focus on society than individual.

3.Shared risk
The financing burden being well manage in the Islamic concept because of the practice on the mudharabah and musyarakah concept in Islam where the financier and the entepreneur know the responsibilty that they need to follow as being agreed in the concept that they have choose.

4. Full Disclosure
The business will be evaluated first before it can be finance. The person that want to be finance should have a good list. Islamic did not based on the speculative.

5. Asset based financing
This is the main differences between conventional and islamic system where the the Islamic system are basiclly are based on the asset based financing all transaction must be clear a must be sure that the asset was really exist on that particular time.

Mengapa kita perlu tahu halal dan haram dalam sumber kewangan hidup seharian?

Sebagai umat islam kita seharusnya mengetahui dari manakah sumber kewangan yang kita perolehi. Adalah menjadi tanggungjawap utama bagi umat Islam yang sentiasa beriman dengan Allah.

Hadis menerangkan: (Nabi Muhammad SAW menegaskan)

Ertinya: "setiap daging yang tumbuh daripada harta kotor (haram) maka Neraka adalah lebih layak untuknya." (Riwayat At-Tabrani)

Kesimpulan dari hadis di atas kita dapat lihat bahawa wajib bagi umat Islam untuk mengetahui halal haram sumber pendaptan yang mereka perolehi. Umat Islam zaman sekarang tidak lagi mengambil endah mengenai halal dan haram tambahan pula mengenai sumber kewangan yang mereka perolehi.

Keuntungan dan keinginan untuk memperoleh kekayaan yang pantas di anggap satu jalan yang benar bagi mereka. Dalil2 dan Hadis di tolak ketepi tanpa ada rasa malu dengan Pemberi Rezeki padanya selama ini. Skim2 kewangan barat di gunakan tanpa rasa segan silu.

Nabi Muhammad SAW pernah mengingatkan:

Ertinya: " Akan sampai satu zaman di mana manusia tidak mengendahkan sumber perolehan hartanya sama ada dari yang halal ataupun yang haram" (Riwayat At-Tirmidzi)

Renung2kan lah dan cuba lah mengorak langkap mengenal mencari dari mana sumber kewangan yang kita perolehi selama ini. Agar yang umat Islam di Malaysia ini bebas dari kemurkaan Allah

Apa itu Dakwah?

Dakwah....

Umat islam dahulu bersusah payah berjuang bagi menyebarkan dakwah di jalan Allah. Namun sekarang di dalam dunia serba moden kita hanya perlu mengunakan teknologi yang telah berkembang pesat melalui media masa seperti menyiarkan di dalam siaran tv, radio dan mahupun internet atas maksud dakwah..

Namun paham kah anda apa itu dakwah? Maksud dakwah adalah tersangat ringkas iaitu mengajak manusia kepada Allah. Apa pun kaedah yang di gunakan untuk berdakwah harus di ingat bahawa untuk memasukkan isi2 mengenai pendekatan kepada Allah.

Niat hanya kerana ingin menyampaikan ajaran Allah melalui ilmu yang telah di pinjamkan oleh nya lalu di amalkan dengan menyampaikan kepada seluruh umat yang ingin dan sudi berkongsi ilmu agar ilmu di dada tidak terpendam semata-mata.