DiMyBazaar

Tudung Thai Silk Jalur. All size M tutup dada.RM35 each. Murah-murah!!

2010-05-18T08:57:00.000-07:00

Tudung Thai Silk Jalur, washable silk , colour tak luntur, body lycra korea gred 1.

Tudung ala Ariani in stock..!!All size M , tutup dada.RM25 each. Murah-murah!!

2010-05-18T06:44:00.000-07:00

Tudung 'awning' and body full lycra korea gred 1. Jahitan dan material yang berkualiti tinggi.

GPS Test Tutorial

2010-03-11T21:08:00.000-08:00

1. Switch On GPS. Go to Tools and double touch at tools.

2. Next double touch at GPS Test

3. Click at GPS RESET. First it will detect as much gps satellites. At this stage Latitude and longitude is zero because it still can’t get more gps satellites signal to detect you current location.

4. After you get your current location for latitude and longitude. The gps test is done. Now you can go to main gps to navigate to your place.

New Multimedia GPS ZNAV 4.3 inch Touch screen

2010-03-01T01:38:00.000-08:00

PRICE: RM430

Enjoy the fastest journey…plus watch movies, video clips and play songs and games. Buy now to save your petrol, toll and maintenance…

SPECIFICATION
Processor: SIRF 4 ATLAS CPU
OS: Window CE Net 5.0
Software: Papago X5 & Garmin XT (upgradeable)
Touch screen: Yes
Choose 2D or 3D map: Yes
Routes: Automatically recalculated
Voice navigation: Yes
Internal Built in Memory: 64mb
External Memory: 2GB SD memory card slot (UPGRADEABLE)
Screen Size: 4.3” TFT high resolution screen
FM Transmitter: Yes (Transmits sounds through your car stereo radio)
Media Player: Video & Music (AVI,MP4,MP3)

Flash Player: Support Flash
Photo Viewer: Supports JPEG, GIF, BMP,PNG Flash SWF format

Tools: Calendar, note, calculator

Games: Build in games

MAPS PRELOADED
Standard: Malaysia, Singapore, Brunei , Thailand

WARRANTY
6 MONTHS LIMITED WARRANTY FOR DEVICE ONLY

PACKAGE
New in box
2GB SD Card
Car mount & Device Holder
Mini USB Cable
Wall Charger
In Car Charger
Quick User Guide Manual

Bracelet Watch with Code Number

2010-02-28T23:44:00.000-08:00

Here are all the design with different colors to choose.

VERY CHEAP..RM35/UNIT

SPECIAL DISCOUNT BUY 3 UNITS WITH RM100 ONLY

Bracelet Watch

2010-02-21T20:17:00.000-08:00

Imported Bracelet Watch. Come together with very nice box. New trend with 2 in 1 package; Watch together with Trendy Bracelet. Surprisingly the price is VERY... VERY... CHEAP!!!.

ONLY RM35/each INCLUDING POSTAGE

There are lots of design with beautiful colors and here are some samples. Enjoy.

Maal Hijrah 1431 and Happy New Year 2010

2010-01-05T01:00:00.000-08:00

I would like to take this opportunity to wish all my muslim Brothers and Sisters ..Salam Ma’al Hijrah 1431 and year 2010 . May this year brings Us more barakah and rahmat from Allah Subhanahu Wa Taala. n benefit from the knowledge Allah has bestowed upon us. Ameen.

Here are some knowledge about Islamic (Hijrah) calendar.

Muslims do not traditionally “celebrate” the beginning of a new year, but we do acknowledge the passing of time, and take time to reflect on our own mortality.

Muslims measure the passage of time using the Islamic (Hijrah) calendar. This calendar has twelve lunar months, the beginnings and endings of which are determined by the sighting of the crescent moon. Years are counted since the Hijrah, which is when the Prophet Muhammad migrated from Mecca to Madinah (approximately July 622 A.D.).

The Islamic calendar was first introduced by the close companion of the Prophet, ‘Umar ibn Al-Khattab. During his leadership of the Muslim community, in approximately 638 A.D., he consulted with his advisors in order to come to a decision regarding the various dating systems used at that time. It was agreed that the most appropriate reference point for the Islamic calendar was the Hijrah, since it was an important turning point for the Muslim community. After the emigration to Madinah (formerly known as Yathrib), the Muslims were able to organize and establish the first real Muslim “community,” with social, political, and economic independence. Life in Madinah allowed the Muslim community to mature and strengthen, and the people developed an entire society based on Islamic principles.
References

1. “Islamic Holidays, 2002-2009.” Infoplease.
2. “Al Hijra.” BBC Religion & Ethics.

My Wish or Prayer

May Allah The Gracious, Bless us all in this new year and grant us the strength to steadfast with the Quran and Sunnah; and make a lot of Amal or Good deeds to others. May Allah grant us good health and also to our family and the whole Ummah. May Allah grant us a lot of wealth in this new year and years to come. Amin.

Islamic Economics: An Alternative? Solving World Financial Crisis

2010-01-05T00:51:00.000-08:00

Dr.Hussein Shehatah

Consultative Expert on the Islamic Financial Transactions

and Professor at Al-Azhar University.

Signs of the collapse of the world financial system have emerged, causing great panic to people all over the world. Many governments called upon economists and experts to find a way out. Financial institutions and their agents began to think about rescue plans.

Many people rushed to draw their deposits from banks. At the same time, several financial institutions have frozen the process of granting loans to companies and individuals for fear that it might be difficult to take them back.

The drop in the circulation of money among individuals, companies and financial institutions has given rise to a sharp slowdown in the economic activity. As a consequence, debtors have become unable to pay back their debts.

Wall Street meltdown dealt a severe blow to the level of exchanges in money and exchange markets causing indexes to fluctuate. Furthermore, used capacities in companies were decreased due to the decrease in financial flow and the inability to take loans from financial institutions, except at high interest rates with heavy guarantees.

This shortage of financial flow decreased consumption of certain commodities, like cars and real estate sector. The drop in consumption decreases savings, investment projects, and hence increases unemployment which is eerily climb as many companies become bankrupt threatening many employees to lose their jobs.

Causes of the Crisis

Maurice Allais, an expert on world economy and a Nobel Prize laureate in economics, said, "The world economic system is based on some concepts and rules that will be the very cause of its destruction unless treated and rectified quickly."

In fact, many economists argue that the neo-capitalist world economic system rests on principles that will lead to its ruin.

It can be argued that among the reasons that led to the crisis is the spread of moral economic corruption, such as exploitation, lying, circulation of prejudiced rumors, cheating, monopoly and the engagement of nominal transactions, with no real value. In this way, the wealthy and creditors oppress the poor and debtors who, as a consequence of being unable to bear such oppression anymore or pay back these debts and loans, will grumble and be resentful.

Also, wealth has become a weapon used to dominate and control politics around the world. Money has become the idol the capitalist economy.

Interest-backed banking system inflicts mounting debts on consumers by working within the framework of the system of trading debts, either by selling, buying or brokerage.

The more the interest rate on deposits increases, the more the interest rate on the loans granted to individuals and companies will also increase. Only banks and stockbrokers benefit from this, whereas the debtors, who take loans for consumption or production purposes, bear this heavy burden alone.

Credit card debt inflicts high costs on the consumer, and when one can not pay back his debts, the interest rate is continuously increased. Ultimately, consumer's property will be confiscated in order to guarantee security. This has actually happened to many holders of such credit cards, causing an imbalance of their house budgets.

Indeed, banks impose additional burdens on the borrower who is not able yet to discharge the first loan due to the increasingly higher rate of interest. This is similar to usurers in the pre-Islamic period of Ignorance who would say to a debtor, "Either you repay or augment."

Furthermore, Stock brokerage firms deceives those in need of loans as they claim high commission payment if there are potential risks, leaving the poor debtors to bear their burden and attributed negative consequences.

Actually, Some economists believe that no real development or wise employment of the means of production could be achieved unless the interest rate is zero. This view was held by Adam Smith, the Father of modern economics.

Furthermore, economists think that the alternative is based on participating in profit and loss, because it brings about stability and security. In addition, interest-based system results in the accumulation of wealth in the hands of few people who will thus be in control of the world's fortunes.

In addition, The world financial system rests on the basis of the financial derivatives system that depends mainly on nominal transactions, with no real exchanges of goods or services. What is even worse is that most of these transactions are based on credits taken from banks in the form of loans, and when things develop unfavorably all that collapses triggering the financial crisis.

Islamic Economics

The current financial crisis debunks the myths of Capitalism, opening the way for alternative economic systems to emerge, among which is the Islamic finance and economy.

Yet, instead of just reacting to the crisis, scholars of Islamic economics ought to explain the concepts and principles of the Islamic financial and economic system and present its reference and applications to wider audience.

The Islamic economic and financial system is based on a set of values, ideals, and morals, such as honesty, credibility, transparency, clear evidence, facilitation, co-operation, complementarity ,and solidarity.

These morals and ideals are fundamental because they ensure stability, security, and safety for all those involved in financial transactions. Furthermore, the Islamic Shari`ah prohibits the economic and financial transactions that involve lying, gambling, cheating, gharar (risk-taking), gahalah (unawareness), monopoly, exploitation, greed, unfairness, and taking people's money unjustly.

In addition, Islamic economy promotes participation in profit, loss, and actual exchanges of money and assets. In fact, there should be real interaction between the wealthy, employers, the employees, and financial experts.

There is no party who is a constant winner or a constant loser; yet profit and loss is mutually shared.

Based on Shari`ah regulations, economic contracts entail mudarabah, sharing, murabaha, istisnaa`, salm, igarah, and sharecropping. Shari`ah prohibits all forms of investment-based contracts of funding that involve interest loans forbidding financial transactions that involve gharar (risk-taking) and gahalah (unawareness).

Actually, economic experts assert that the system of financial derivatives can not bring about real development. Financial derivatives create only money, with no real value, causing inflation and price rise ,as well as moral decadence. For example, financial derivatives caused quick collapse of East Asian financial institutions.

Regarding debts, Shari`ah prohibits all forms of selling debts, like discounting promissory notes and checks with postponed payments. Also forbidden under the Shari`ah is the scheduling of debts at a higher interest rate. Prophet Muhammad (peace and blessings be upon him) forbade the sale of debts. In fact, economists contend that selling debts has exacerbated the financial crisis.

Actually, the Islamic economic and financial system makes it easier for the borrower to repay debts. Almighty Allah says: "And in case any person is under difficulty, then he should (be granted) a respite to (the time of) ease..." (Chapter 2: Verse 280).

Shari`ah allows for a system of funding and investment based on participation in both profit and loss and interaction between capital and labor. Shari`ah calls on the parties involved in transactions to behave in a truthful, honest, clear and transparent way by prohibiting gharar, gahalah, cheating, gambling, lying, rumors, exploitation and taking people's money unjustly.

In a word, the only way out of this crisis can be found in the principles and regulations of the Islamic economics

Complete CCTV System Installation and service

2009-12-15T02:14:00.000-08:00

MONITOR YOUR PROPERTY FROM ANYWHERE
COMPLETE SET HIGH QUALITY CCTV
2 CCD INFRARED CAMERAS
+
2 CCD WITHOUT INFRARED CAMERAS
+
DVR (Record up to 60 days with motion detector and streaming via internet)
+
INSTALLATION
+
FREE MAINTENANCE FOR 6 MONTHS
FOR JUST RM1950

You can ask for more options by contact me via email or phone to discuss your need of security.

Islam & Business

2009-12-15T00:47:00.001-08:00

Trade and commerce have always been a part of Islam. From pre-Islamic days, the Holy City of Mecca has been the center of commercial activities. It was indeed the annual trading center of Mecca that provided Prophet Mohammad the forum for preaching Islam.
The early Muslims were not only engaged in trade but they went to distant lands in connection with business. Islam in fact reached East and West Africa, East Asia through the business people.
Islam encourages work in general, and trade and commerce in particular, Prophet Mohammad was himself engaged in this profession before he became a prophet. He was a successful businessman. Known for integrity, he bore the honorific title, �the Trustworthy�, The Quran states:
"God has made business lawful for you"
In addition, the Qur'an includes rules not only for manners and hygiene, marriage and divorce, but it also lays down detailed rules for commerce and politics, interest and debts, contracts and wills, and industry and finance. Islam has permitted and in fact encouraged business. Islam lays out the basic principles of our economic behavior as consumers, producers and owners of wealth.
The Islamic principle in business is based on individual enterprise and correspondingly individual�s reward. It is basically based on benefiting the humanity while maintaining God�s orders.
In business relationships Islam strictly forbids any discrimination between people based on their religion, sex, or gender.
There is no basic conflict between good business practice and profit making in Islam. Islam looks at profit as secondary way to measure efficiency. Business Ethics in Islam
1. Trust: Trust of God's creation and all that is in it. God has created and perfected the whole universe then Man is set over it all with delegated. So as Muslims we realize that we are just trustee for God�s universe and we truly do not owe anything in this life. That kind of belief along with your knowledge that God sees all what you do, will make you work under constant surveillance, and keeps your performance at its best while following God�s defined conduct.
(Quran 45-13): And He has subjected to you, as from Him, all that is in the heavens and on earth: behold, in that are Signs indeed for those who reflect.
(Quran 6:164): It is He who hath made you (His) agents, inheritors of the earth: He hath raised you in ranks, some above others: that He may try you in the gifts He hath given you: for thy Lord is quick in punishment: yet He is indeed Oft-Forgiving, Most Merciful.
2. Justice and Honesty: Justice can be defined as just conduct, fairness exercise of authority in maintenance of right and fair dealing between each other regardless of faith is strictly laid down in Islam. Honesty incorporates the concepts of truthfulness and reliability and covers all aspects of relationships in human life thought, word and action. It is more than just accuracy; it is an attitude with integrity.
(Quran 4:135): O ye who believe! Stand out firmly for justice, as witnesses to Allah, even as against yourselves, or your parents, or your kin, and whether it be (against) rich or poor: for Allah can best protect both. Follow not the lusts (of your hearts), lest ye swerve, and if ye distort (justice) or decline to do justice, verily Allah is well-acquainted with all that ye do.
(Quran 6:115): Perfected is the Word of thy Lord in truth and justice. There is naught that can change His words. He is the Hearer, the Knower.
(Quran 11:85): O my people! Give full measure and full weight in justice, and wrong not people in respect of their goods
�O you who have attained to faith! Do not devour one another�s possessions wrongfully � not even by way of trade based on mutual agreement � and do not destroy one another: for behold, God is indeed a dispenser of grace unto thee!
Oh ye who believe! Eat not up each other's property by unfair and dishonest means." (4:29)
3. Mutual Respect: The third principle is mutual respect and consideration for others is also inherent in the moral teachings of Islam.
The application of this has come to mean that self interest only has a place in the community in as much as it takes into account the interests of others. So a person or organization can not under self benefit measures takes an action or start a business that will harm the community or environment more than providing good to it. The prophet (PBUH) said: "You will not attain righteousness, unless you give of that which you love�. And said "God loves kindness when you deal with any matter" And also said: "You will not enter Paradise until you have faith and you will not have faith until you love one another". What is forbidden in business in Islam?

Islam has not permitted producing, selling and purchasing of goods, which are prohibited in Islamic law. Alcohol, Drugs.. The Prophet of Islam has said: "When God prohibits a thing He prohibits (giving and receiving) the price of it as well."

Islam has also prohibited any kind of transaction involving uncertainty, as this could lead to quarrel or litigation. The Prophet of Islam has forbidden transaction involving unspecified quantity, acceptance of money for fish in the river or bird in the air as there is element of uncertainty. Similarly the Prophet of Islam has prohibited sale of fruit till they are ripened. However; if the element of uncertainty is very small, the transactions are permissible.

Islam condemns hoarding to make high profit at the cost of public interest (when it is needed or so it will become needed). Islam, however; allows normal trade - buying and selling of goods again and again at a reasonable profit.

Islam prohibits fraud in business dealings. The Prophet has said: "Sell the good and bad separately. He who deceives is not of us" The sin of fraud is greater if the seller supports it by swearing falsely. The Prophet has said, "Swearing produces ready sale but blots out blessing".

Islam prohibits buying or selling what�s legal if we know that it will be used for illegal use: weapons, abortion drugs, drugs for meth making, and so on.

INTEREST: Muslims are not allowed to pay or receive interest. This is a shared value in all religions. The Quran is explicit about it and says, "God- has permitted for you trade and prohibited interest" (2 : 275). The Bible says: �and lend, never despairing; and your reward shall be great, and ye shall be sons of the Most High� Luke 6:35.

Depositors in an Islamic bank would be treated like shareholders, would receive dividends when the bank makes a profit, and would lose capital when it suffers a loss.
The prohibition or fixed interest flows from Islam's concern for social justice Interest is said to reinforce a tendency for wealth to accumulate in a few hands
So how would you by buy a house for example? A new trend has recently started that work as follows: An Islamic financing company buys the house. The house then is leased back to you for a fixed period of time. You pay the finance group the rent value plus an additional amount for the house purchase. The value or the lease home will be reassessed every year, and the rent will be adjusted accordingly. In Closing
To close let me reassure that it is the responsibility of every Muslim to be ethical in their daily business practices and to act responsibly toward the community in which it serves. To review its business practices and remove from its organization any unlawful activities and devote themselves to productive and lawful activities that benefit mankind.
It is everyone�s responsibility to take a long and serious look at their organization and implement policies and procedures that are conducive.
As a general guide to Muslims in business we should adopt the following overriding principals:
� Love God and his commands more than your trade or business
� Be honest and truthful
� Keep one�s word
� Be humble in how you conduct your life
� Do not deal in fraud
� Do not bribe
� Deal justly

Abdoulrahman Kattih
The Islamic Education And Services Institute

Business In Islam

2009-12-15T00:38:00.000-08:00

The son of Adam exclaims: ‘My wealth, My wealth!’, but what wealth do you really own except that which you had eaten and finished, or worn and rendered old, or given in charity and sent forth to the hereafter. (Mishkaat)

No one has eaten anything better than that which he has earned with his own two hands. (Bukhari)

BUSINESS IN ISLAM

Since the development of man’s earthly life, business in the form of exchanging or bartering essential commodities has been an integral aspect of the daily lives of human beings.

Their very subsistence depended upon this form of trade and exchange. Almighty Allah, the Creator and Provider of man’s needs, established the principle of interdependence in man’s life. The basic, essential needs of man are food, drink, clothing and shelter. These primary needs, which are crucial to man’s survival on earth as well as to the improvement of his living conditions, are only obtainable through the institution of business and trade.

It is virtually impossible for one person to satisfy all these needs alone by producing them or manufacturing them himself. Man is, therefore, forced to purchase these items of need from the various individuals or companies who produce them, and this results in the practice of buying and selling on a very expansive scale. Islam has, therefore, attached great importance to trade and commerce as the relevant citations appearing further on shall conclusively indicate.

Had there been no means of buying items essential to one’s existence, people would then have been compelled out of desperation to acquire these through force and violence, thus leading to murder and bloodshed. In this manner the entire world order as set up by Almighty Allah would have been severely disrupted.

Establishing a system of trade is one thing, ensuring that it runs smoothly and efficiently is another. Over the passing of time man’s needs increased tremendously. This meant an escalation in the volume and rate of business. Initially man concentrated on needs only. Then came the wants or secondary needs.

As the means of acquiring needs and wants became more simplified and convenient, man began yearning for luxuries and comforts. Moreover, as mankind produced and reproduced, populations increased rapidly. All this meant more needs, higher standards of living, and, needless to say, greatly increased business activity.

Furthermore, Almighty Allah has incorporated into man’s spiritual being both good and bad qualities, as the Holy Quran clearly states:

“So He introduced into it (the soul) its good and evil.”
(Surah Shams)

As society became more affluent, spiritual and moral degradation generally increased. Man’s high standard of worldly life began eroding his Rooh or spiritual self. From a mere means of fulfilling needs and wants, business, and more accurately, the accumulation of wealth and riches, now became an end in itself. And all this violently conflicts with what Islam taught and desired for its followers. As far as Islam is concerned business fulfilled a need, and had to be kept as such.

In view of increased business activity and an on-going decline in man’s spiritual life and morality there were bound to be problems. To encounter and overcome these problems Islam, through the Holy Quran and Hadeeth, had devised an elaborate set of laws governing trade and commerce. These laws were to fulfil a variety of objectives:

· To counter man’s greed and consequent abuse of the rights of others;

· To ensure that the earnings of man are halaal and pure;

· To create a harmonious atmosphere among people, something which can be utterly destroyed by man’s desire for wealth and position.

Among these, the second factor is vitally important to the Muslim individual, since the acceptance of all man’s ibadat and service is largely dependent upon the consumption of Halaal food and the utilisation of Halaal goods and products.

There is definitely an integral link between man’s earnings, which entail business dealings, and his ibadat unto Allah Ta’ala. This one factor alone underscores in no uncertain terms the significance and emphasis Islam has laid on correct and valid business dealings.

All Great Runner start from a first step

2009-12-14T23:46:00.000-08:00

Assalamualaikum and Hi,

This is my first experience in my life creating a blog. This blog is created to fulfill one of our prophet Sunnah which is A Great Businessman. All contents in this blog will relates with all the biz outside there. I will try to update this blog in English to enhance my English skills to face the most challenging world outside. But please bare in mind, I'm still a learner. Please forgive me in advance if I'm doing something wrong etc and any advices or input are well welcome to make this blog meaningful.

Thank You.
The game is just begin...15.55.15122009