<?xml version="1.0" encoding="utf-8"?>
<rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom">
	<channel>
		<title>Emergency Status (Dharurah) and Islamic banks</title>
		<description>Discuss Emergency Status (Dharurah) and Islamic banks</description>
		<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html</link>
		<lastBuildDate>Wed, 15 Apr 2026 23:04:00 +0800</lastBuildDate>
		<generator>JComments</generator>
		<atom:link href="http://www.zaharuddin.net/component/jcomments/feed/com_content/821/10.html" rel="self" type="application/rss+xml" />
		<item>
			<title>darurat</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-27437</link>
			<description><![CDATA[assalamualaikum .. ustaz saya benar2 mohon kongsi ilmu dan pandangan ustaz mengenai masalah ini: saya ingin membeli sebuah motorsikal akan secara ansuran tetapi kebanyakan syarikat motor hanya menawarkan pinjaman dari syarikat kewangan konvensional sahaja.. dan rasanya belum pernah dengar lagi syarikat kew islam yang tawarkan pnijaman kew kepada pembeli motorsikal.. jadi bagaimana ustaz? bolehkah saya meneruskan niat tersebut?? nak beli secara tunai itu melampaui had kemampuan kewangan saya.. harap sgt2 UZAR tolong jawab masalah saya]]></description>
			<dc:creator>shah</dc:creator>
			<pubDate>Thu, 23 Dec 2010 14:15:09 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-27437</guid>
		</item>
		<item>
			<title>KONSEP PERBANKAN ISLAM</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-21939</link>
			<description><![CDATA[Assalamualaikum ustaz, terim kasih dlm mengupas isu ini dlm blog ust, saya sependapat dgn ustaz, saya pernah berdiskusi dgn teman saya mengenai beberapa kelonggaran dlm institusi perbankan islam spt tidak membacakan akad,diuruskan oleh pekerja bukan islam,kadar keuntungan atas pinjaman yg agak tinggi...namun spt penjual oren itu td,memilih yg halal adalah wajib,saya nyatakan kpd kawan saya bahawa,kelemaha n itu boleh dan perlu diperbaiki dr semasa ke semasa,tp asasnya disini memilih antara islamic/syariah based berbanding riba-based,Asasnya perlu diutamakan,memi lih yg islam lebih aula dpd memilih yg bercirikan riba...dlm isu akad sendiri,saya pernah mendengar dr seorang Ustaz, yg jumhur ulama bersepakat sah jual beli walaupun tidak ada akad,kerana persetujuan membeli dan menjual telah menjelaskan maksud jual beli td...walaupun dlm mazhab Imam as-syafie, akad itu wajib,tp dlm keadaan ini kita menggunakan pandangan jumhur...mintak ustaz jelaskan atau betulkan kalau ada kesilapan yg saya tulis, terimak kasih ustaz]]></description>
			<dc:creator>smdbest</dc:creator>
			<pubDate>Sat, 27 Feb 2010 02:05:53 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-21939</guid>
		</item>
		<item>
			<title>PhD</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-19841</link>
			<description><![CDATA[Salam Ustaz Zaharuddin. Saya Yazid dari UIA. Kita pernah berjumpa beberapa kali sewaktu di masjid, UIA dan BTN. Saya sedang melanjutkan PhD di Hong Kong dalam bidang maritime arbitration (perkapalan/timbangtara). Saya turut mengkaji unsur-unsur gharar dalam bidang ini. Saya ingin mendapatkan pendapat ustaz berhubung beberapa persoalan hukum terperinci membabitkan perkapalan khususnya berkenaan documentary credit. Boleh tak ustaz meng e-mail saya agar saya boleh terus menghantar senarai persoalan berkaitan. Terima kasih didahulukan. Wassalam UZAR : ahlan akhi yazid..tak disertakan email macam mana nak email..boleh email kod saya zaharuddin@yaho o.com]]></description>
			<dc:creator>yazid AIKOL</dc:creator>
			<pubDate>Thu, 12 Nov 2009 01:59:48 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-19841</guid>
		</item>
		<item>
			<title>Ragu</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-17279</link>
			<description><![CDATA[Salam Ustaz yang dihormati, saya seorang wakil takaful ingin mendapatkan penjelasan Ustaz mengenai senario berikut: Seorang kontraktor mendapat kontrak bernilai rm100 juta. Beliau wajib membeli: i)Kontraktor all risk insurance bernilai rm15,000.00 ii)Workmen Compensation Insuran bernilai rm2500.00 kedua produk ini ada disediakan oleh syarikat takaful pada harga yang sama. Namun timbul masalah apabila, Kontraktor ini juga wajib menyediakan Perfomance Bond (Bon Perlaksana) bernilai 5%=rm500,000.00 Pilihan yang kepada kontraktor tersebut: i)mendapatkan Bank Guarantee dengan menyediakan Cagaran Fixed Deposit sebanyak rm500,000 dan fee sebanyak rm6000.00 setahun. Kontraktor tersebut mendapati adalah berat baginya untuk menyediakan cash money sebanyak itu. Pilihan kedua ialah mendapatkan Insurance Guarantee yang hanya memerlukan Cagaran Fixed Deposit sebanyak RM100,000 dan premium sebanyak rm20,000.00 Pilihan kedua adalah kurang membebankan dan mampu oleh kontraktor tersebut. Malangnya, tiada syarikat Takaful yang menawarkan produk TAKAFUL GUARANTEE!! JADI, Apakah harus/halal/darurat bagi kontraktor tersebut mengambil produk Insurance Guarantee tersebut? DAN, Apakah harus/halal/layak/darurat untuk saya mengambil upah perkhidmatan Insurance Guarantee tersebut??]]></description>
			<dc:creator>Mohd Khairi Saamri</dc:creator>
			<pubDate>Tue, 21 Jul 2009 16:46:37 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-17279</guid>
		</item>
		<item>
			<title>Contractis Clear But the truth is..</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16416</link>
			<description><![CDATA[Peace. Dear UZAR, i tend to agree with the opinion given by Bro Mohd. At the end of the day, we r still stuck in the riba system despite having the so called "Islamic Banking & Finance". As long as we use paper money we will still be in Riba.]]></description>
			<dc:creator>Joe</dc:creator>
			<pubDate>Thu, 21 May 2009 08:37:14 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16416</guid>
		</item>
		<item>
			<title>islamic finance</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16287</link>
			<description><![CDATA[salam, Ustaz.. I do believe in Islamic finance and strongly support any efforts taken by governments, scholars, bankers or anyone else in strengthening the Islamic Financial System. If we read this article,http://news.bbc.co.uk/1/hi/business/8025410.stm, it sounds promising. But at the end of the article, Prof Habib, did mentioned that "Islamic finance in some ways is moving more and more closely to the conventional finance" and "Islamic finance appears to be mimicking most of the products of conventional finance" I know, all bankers/scholars have done their utmost to provide best solution in Syariah Issues. But, I tend to agree with Prof Habib which, Islamic Finance need to think its future direction. I believe if Islamic Finance works under so-called "capitalist" and "consumerism" environment, more or less, it has to follow part of their game. So, in my mind, I have a question, Is it possible to have an alternative financial system, specifically banking system? regardless islamic banking or conventional one. Possibly, It sounds impossible. Just want to share what I am thinking. Thanks ustaz.]]></description>
			<dc:creator>Mohd</dc:creator>
			<pubDate>Thu, 14 May 2009 11:56:50 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16287</guid>
		</item>
		<item>
			<title>kritikan</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16265</link>
			<description><![CDATA[salam.. saya rasa kita boleh je nak kritik kelemahan sistem perbankan islam tapi nak tak nak kita kena amik jugak..mcm penjual air oren tu la.. kita boleh je kritik kenapa mahal sgt harga tp in the end,kalau dh xde pilihan kita kena beli jugak.. UZAR : ye betul..sebab tu saya kata, bank islam yang ada hair ini sekadar muslim tetapi tidak sampai mukmin dan taqwa lagi.]]></description>
			<dc:creator>iz</dc:creator>
			<pubDate>Wed, 13 May 2009 13:17:25 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16265</guid>
		</item>
		<item>
			<title>Mr</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16124</link>
			<description><![CDATA[me too. As long as our Islamic Banks do not work to improve the productivities and efficiency, we will always have to pay higher than conventional bank.]]></description>
			<dc:creator>sd</dc:creator>
			<pubDate>Mon, 04 May 2009 06:56:24 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-16124</guid>
		</item>
		<item>
			<title>Apakah benar Bank Islam?</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-15964</link>
			<description><![CDATA[Assalam mualaikum Ustaz, Bagaimana pandangan Uztaz mengenai perlaksanaan perbankan Islam di Malaysia dan mana2 tempat sekarang ini. Contohnya pekerja salah sebuah perbankan Islam perempuan memakai skirt, bukan Islam, dan mengamalkan cara hidup yang bertentang dgn Islam. Apakah perbankan Islam hanya pada nama berdasarkan keuntungan tanpa ada pemahaman dan penterjemahan yang lebih baik. Saya menyokong konsep perbankan Islam yang sebenar. Cuma kebingungan. Mohon pendapat Ustaz tentang REALITI yang berlaku. Terimakasih UZAR : isu pekerja perbankan islam berskrit telah saya ulas di web ni, rujuk artikel di link http://www.zaharuddin.net/content/view/750/72/]]></description>
			<dc:creator>abdullah</dc:creator>
			<pubDate>Thu, 23 Apr 2009 07:41:38 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-15964</guid>
		</item>
		<item>
			<title>Islamic Finance</title>
			<link>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-15918</link>
			<description><![CDATA[I guess, as a supporter of Islamic banks in Malaysia, we have already done our part in using their service (saving accounts, insurance, bank loan etc). But I personally haven't seen much desired improvements from the banks themselves. From the sloppy service to systemic failures, you name it. As an example,can you imagine that I have to wait 2 hours (it's my turn and there's no other clients) to renew my car insurance. That's why, yes of course personally I support the ideals of Islamic financing, but hopefully the Islamic banks/insurance can get their acts together to provide a better deal/service to their clients. We do not want the failures of these institutions to 'fitna' the beauty of Islamic finance. And in the end, non-Muslims will embrace the ideals of Islamic finance, improvise and provide a better service than existing Islamic institutions that's being managed by Muslims themselves. I can see it coming, and when it happens, there's no turning back.]]></description>
			<dc:creator>Izhar</dc:creator>
			<pubDate>Mon, 20 Apr 2009 20:31:38 +0800</pubDate>
			<guid>http://zaharuddin.net/senarai-lengkap-artikel/38/821-emergency-status-dharurah-and-islamic-banks.html#comment-15918</guid>
		</item>
	</channel>
</rss>
