UNIVERSITI PERTAHANAN "DI RAJA MALAYSIA"? - OLEH NIK ZAFRI

Petikan :

Rasanya agak janggal apabila sebuah Universiti yang sememangnya berlatarkan suasana ketenteraan tidak ada gelaran 'Di Raja' untuknya.

Gelaran "Di Raja" menunjukkan ianya dinaungi oleh KDYMM Seri Paduka Baginda Yang Di Pertuan Agong atau Raja-Raja Melayu. Jika dilihat, IPTA yang bertaraf awam dan tidak berlatarbelakangkan ketenteraan pun dinaungi oleh 'Tuanku Canselor' Kenapa tidak UPNM?

Saya sememangnya kurang mengerti prosedur untuk mendapat gelaran 'Di Raja' dan bukanlah saya menulis artikel ini mewakili UPNM (malah inisiatif saya sendiri)

Rasa saya sebagai rakyat biasa - sudah tiba masanya UPNM mendapat ampuni perkenan DYMM Seri Paduka Baginda Yang Di Pertuan Agong atau KDYMM Al-Sultan Kelantan (Timbalan Yang Di Pertuan Agong) atau mana-mana Raja-Raja Melayu untuk menganugerahi 'gelaran 'Di Raja' kepada "Universiti Pertahanan Nasional Malaysia" dan ditukar kepada "Universiti Pertahanan Di Raja Malaysia"

(Duli Yang Maha Mulia Seri Paduka Baginda Yang Di Pertuan Agong Membalas Tabik Hormat semasa Pertabalan Baginda)

(KDYMM Al-Sultan Kelantan Sultan Muhammad V segak berpakaian tentera bersama adinda DYTM Tengku Mahkota Kelantan)


Dan DYMM SPB YDP Agong sendiri selayaknya menjadi 'Tuanku Canselor' untuk Universiti ni.

Gelaran ini sangat sesuai diberikan kepada UPNM selaras dengan cara pendekatannya, suasana dan lokasi universiti berkenaan (yang juga menempatkan Maktab Tentera Di Raja (MTD-RMC)

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Nota : Tulisan ini bukan mewakili mana-mana pihak dari Universiti Pertahanan Nasional Malaysia (UPNM) tetapi atas inisiatif pengarangnya.

Sebenarnya, saya telah lama ingin menulis mengenai perkara ini iaitu semenjak UPNM mula dibuka.

Saya bukanlah seorang yang mempunyai latarbelakang ketenteraan, polis, mahupun menyertai mana-mana anggota keselamatan. Namun, tahu jugalah serba sedikit mengenai etika dan protokol ketenteraan kerana saya dan isteri saya, adalah dari keluarga anggota tentera.

Semasa menghantar anak saya baru-baru ini, Nik Muhammad Hussainy ke UPNM, saya teringat kembali akan perkara ini.

(Pengarang bersama anak kedua, Nik Muhammad Hussainy bergambar kenangan dengan Timbalan Naib Canselor UPNM bersama antara barisan ibubapa yang menghantar anak masing-masing untuk pendaftaran dan MOSIS)

Universiti Pertahanan Nasional Malaysia berada dalam lokasi yang sangat strategik iaitu Kem Sungai Besi)

Dalam kem yang sama, berdiri megah pintu masuk ke Maktab Tentera Di Raja (RMC) di mana saya sempat bergambar di hadapan pintu gerbangnya setelah 27 tahun tidak ke sana.

Saya tergelak kecil melihat beberapa orang awam yang merungut-rungut tentang ketegasan Polis Tentera yang mengawal pintu masuk utama ke Kem Sungai Besi. Ada yang tidak mahu mengambil pas keselamatan (pelawat awam), ada yang mendakwa 'mereka kenal orang itu dan ini' dan ada pula yang mendakwa 'dia ni pegawai besar angkatan tentera'..Entahlah. Sekali imbas, saya lihat, mereka tidak tahu pun 'isyarat tertentu' yang membuktikan mereka ini tahu etika dan protokol atau benar-benar 'orang berpangkat' dalam tentera.

(Pintu Masuk Utama Ke Kem Sungai Besi)

Saya sentiasa mengikut prosedur untuk memasuki Kem Sungai Besi walaupun untuk ke UPNM (semasa mengambil dan menghantar anak saya). Saya mengisi borang dengan penuh teliti serta memberikan maklumat yang lengkap. Tujuan diadakan pas masuk itu pun adalah berdasarkan undang-undang serta objektifnya adalah 'soal keselamatan'.

Orang awam perlu faham, jika berlaku apa-apa akses ke dalam Kem yang berpotensi mengancam keselamatan, sudah tentunya MP akan bertanggungjawab, silap-silap haribulan kena naik 'court marshall' (mahkamah tentera) yang mungkin menyebabkan MP boleh kehilangan kerja.

Saya sudah lama melihat 'kehebatan' UPNM yang mempunyai cara dan pendekatan yang tersendiri. Ibaratnya jika 100 orang pelajar yang memasuki UPNM, maka 100 juga yang akan keluar dengan masadepan, karier dan gaji yang agak lumayan. Apatah lagi jika pelajar berkenaan adalah anggota kadet.

Begitu juga pelajar awam, walaupun tidak menerima elaun bulanan seperti kadet, tetapi Kementerian Pengajian Tinggi dan MARA (mengambil dua contoh dari banyak contoh-contoh lain), ada memberikan elaun dan wang saku.

Pelajar awam juga amat digalakkan untuk menyertai PALAPES/ROTU dan mendapat elaun ROTU pula. Cuma mungkin pelajar awam terpaksa membeli sendiri makanan dan minuman (yang harganya sangat berpatutan) dan pelajar Kadet diberikan makanan dan minuman percuma (di samping elaun/gaji bulanan yang agak lumayan)

Apakah rahsia UPNM?

Boleh dikatakan rata-rata saya melihat unsur-unsur integrasi yang padu dalam modul-modul pengajarannya iaitu kemahiran (ala-MLVK malah ada yang diakreditasikan oleh MLVK) dan akademik (yang diakreditasikan oleh MQA)

Di sini saya tidaklah bermaksud bahawa IPTA-IPTA dan IPTS-IPTS lain tidak ada unsur kemahiran atau MLVK tetapi UPNM serta suasana ketenteraan di sekelilingnya yang banyak memerlukan sejumlah anggotanya yang bertugas di bengkel-bengkel samada Udara, Laut atau Darat perlu cerdas di bidang teknikal serta kejuruteraan, maka inilah antaranya yang mempengaruhi modul-modul UPNM. (suasana sekitar dan sejarahnya)

Mungkin inilah penyebab utama saya berminat untuk menghantar anak saya melanjutkan pelajaran di UPNM. Kriteria pengambilan juga amat teliti. Antara lain, bukan semata-mata semuanya 'A' dalam SPM tetapi juga dilihat dari segi ko-kurrikulum. Anak saya bertuah kerana telah menyertai Kadet Remaja Sekolah (selain memenangi pelbagai anugerah peringkat sekolah, zon, negeri dan negara) dan seminggu sebelum menyertai UPNM, dia juga baru sahaja menamatkan latihan di Pusat Latihan Khidmat Negara (PLKN) di Ulu Benom, Pahang.

Sebelum itu, sempat saya berborak-borak mesra menerusi Facebook dengan seorang 'senior' saya (berbangsa Cina) - sama-sama menjadi Alumni Maktab Sultan Ismail Kelantan (SICA), izinkan saya memetiknya :

KHL/Russell : This bright young man has good heart, he has involved in national defense at this young age. Wishing your son all the best.Hopefully in 25 years time, we will see a general coming from our Kelantan family!!

Nik Zafri : Thanks Russ. I'm sure in your own capacity, you do have some success stories of your own children to be shared and as parents very proud of it

KHL/Russell : Nik Zafri, one thing good about Malay parents as compared to Chinese, Malay parents are more prepared to send their children to join RMC, Military Colleges and joining military forces. Generally Chinese parents will not allow or encourage for their children to join army or involved in national defence . There is an ancient saying that " good metal don't turn it into nail, good son don't make him a soldier!!". Probably , that old saying has its ancient origins thousands years ago when soldiers were recruited among the rough and touch illiterate classes.

Nik Zafri : I'm surprised, did you know that offlate, even Malay parents are not really prepared to send their kids to UPNM. There are still thoughts that everyone in UPNM has to go to war or they are simply contented with the good monthly 'allowance' being paid to cadets without knowing what their kids have to go through.

What can I say? But again, I saw many Chinese parents during the registration in UPNM even spoken to one of facilitators who is actually a Chinese (apart from Chinese in the marching cadets proudly walking in front of us and also during the Interview in the Terendak Camp Melaka)

What are the odds? I was told that some of the Malay students (after half-way) couldn't bear the army based training in UPNM even asked to be transferred to a normal IPTA.

I told my kids not to discard the old values while making a choice which at first may appear 'controversial to the tradition' but co-exist with it. Old values are not simply cultures (like cultural dance or shows) but they go beyond that, it's about your way of life here on earth. You don't remember practicing it, but when you speak politely to your parents, it means that you are a practitioner without even realizing it.

What is being said (I think)

"Good metal don't turn into nail, good son don't make him a soldier' is actually meant for everyone to not only narrow down to becoming a soldier alone or even a teacher but also businessman, educators, academicians, scientists etc. It all comes together - I'm sure any country do not need soldiers alone but they also need other people of different careers as well. This is evident if you review the history of ancient China even any history of the world.

KHL/Russell : Nik Zafri, I salute you for your positive thinking, and in fact, no easy to have Malays writing good English nowadays. Maybe there are plenty of Malays in your generation write good English, but my children English are also not up to the par.

(di sini beliau menceritakan kesukaran beliau untuk menyertai tentera darat, udara dan laut pada awal 70-an)

Years later, i joined PALAPES (Pasukan Latihan Pegawai Simpanan -Tentera Darat) in UM in the year 1981 and was commissioned as Second Lieutenant in 1984. I stayed on with the Wataniah till 2001, a good 21 years in uniform. No regret, i enjoyed my posting to Regiment 512 in Terengganu, 502 in Kuala Lumpur and finaly 506 at Pengkalan Chepa until I called it a day. I guess, Malaysian army has changed now. That is why I salute you and your son, truly, i hope 20-25 years to come, we can see this young man do something to Malaysian defence .

Nik Zafri : Hi again Russ. Thanks for all the compliments which some; I think you're giving me too much credit. Yes, my generation is the last generation (English-Speaking Malays).

My dad was from the remnants of the old British Military Administration (BMA) before it became Askar Melayu (despite the word Melayu there, there were also some Chinese and Indian friends of my dad).

UPNM highest administration have said this (even in their application form - you can check - it says something about referees 'not being in the army' - wow!) during the Kem Terendak interview - that we do not prefer only 'bright straight A students' but selection is made on an 'all rounder'-basis. And during the registration, the DVC said : "Please do not write to the Minister but write to us, if you have any problems" (so, there goes "you know who" and here comes "you know what")

And Yes, you are right, the PALAPES in IPTA is the best and the right move the government have done. And the rest is history as you have adequately put.

Semasa artikel ini ditulis, saya terlihat laporan akhbar The Star Online menyebut :

Published: Wednesday July 24, 2013 MYT 12:00:00 AM
Updated: Wednesday July 24, 2013 MYT 7:56:32 AM

RMC WANTS MORE BUMIS BY JASTIN AHMAD TARMIZI - JASTIN@THESTAR.COM.MY

KUALA LUMPUR: For Royal Military College (RMC) student Leong Kit Tsin, the school has been a learning ground on how to be independent.

“I’ve learnt to be independent as here we have to do everything ourselves.

“We have to dress neatly and clean our rooms,” said the 16-year-old from Petaling Jaya.

“As students here are from different backgrounds, I have learnt the cultures and customs of other races and learnt to respect them. This is really a good place to learn not just academically but also about life.”

Kit Tsin is one of a handful of Chinese students among 242 Form 4 students who started their stint in the school in January.

RMC commandant Col Wan Ghazali Wan Din said that of the total 485 students at RMC, there were only 21 Chinese and 34 Indian students.

The school is currently seeking more non-bumiputra students, especially from among the Chinese.

“We have been lacking non-bumiputra applicants as there has been a misperception about the school,” he said, adding that the Defence Ministry recently increased the minimum quota for non-bumiputra students to 17%.

Application for the new intake closes in October.

“A lot of people think those who join RMC need to join the Armed Forces when they graduate. We are actually trying to correct this misperception,” said Wan Ghazali, adding that since 1987, students from RMC need not join the Armed Forces when they graduate but they could if they wanted to.

He added that another reason for the low number of non-bumiputra applicants was the number of other institutions and places available to students.

“Because of the openings at other colleges and institutions, they have more choices,” he said.

Wan Ghazali said RMC had also taken many steps to make the college more appealing to non-bumiputras, including conducting talks in Chinese and Tamil schools and taking part in Armed Forces events.

Those interested can apply at www.rmc.edu.my.

Jelaslah di sini bahawa bidang akademik/kemahiran ketenteraan telah lama mengamalkan dasar terbuka.

Saya juga sangat yakin, UPNM (malah MTD) juga akan menjadi sebuah IPTA yang setaraf dengan Royal Military Academy Sandhurst, United Kingdom.

Suasana di Kem Sungai Besi dengan pelbagai kor, skuad, unit dan pasukan sudah cukup untuk memberikan semangat patriotik kepada pelajar-pelajarnya - kadet atau awam.

Malah ramai di antara kadet-kadet kanan UPNM yang dihantar ke Lahad Datu baru-baru ini - cukup membuktikan kepada kita betapa tingginya penghargaan Tentera dan Kerajaan Malaysia terhadap UPNM.

Namun, ada sesuatu persoalan yang telah lama bermain di fikiran orang awam seperti saya :

a) Tentera Udara DiRaja Malaysia,
b) Tentera Laut DiRaja Malaysia,
c) Regimen Askar Melayu DiRaja Malaysia (RAMD),
d) Regimen Renjer DiRaja,
e) Kor Armor DiRaja, Kor Polis Tentera DiRaja, Kor Risik DiRaja, Kor Kesihatan DiRaja, Kor Perkhidmatan DiRaja, Kor Ordnans DiRAja, Kor Jurutera Letrik dan Jentera Diraja,
f) Regimen Artileri DiRaja,
g) Regimen Semboyan DiRaja,
h) Regimen Askar Jurutera DiRaja,
h) Maktab Tentera DiRaja dll

Rasanya agak janggal apabila sebuah Universiti dan IPTA yang sememangnya berlatarkan suasana ketenteraan tidak ada gelaran 'DiRaja' untuknya.

Gelaran "DiRaja" menunjukkan ianya dinaungi oleh KDYMM Seri Paduka Baginda Yang Di Pertuan Agong atau Raja-Raja Melayu. Jika dilihat, IPTA yang bertaraf awam dan tidak berlatarbelakangkan ketenteraan pun dinaungi oleh 'Tuanku Canselor' Kenapa tidak UPNM?

Saya sememangnya kurang mengerti prosedur untuk mendapat gelaran 'DiRaja' dan bukanlah saya menulis artikel ini mewakili UPNM (malah inisiatif saya sendiri)

Rasa saya sebagai rakyat biasa - sudah tiba masanya UPNM mendapat ampuni perkenan DYMM Seri Paduka Baginda Yang Di Pertuan Agong atau KDYMM Al-Sultan Kelantan (Timbalan Yang Di Pertuan Agong) atau mana-mana Raja-Raja Melayu untuk menganugerahi 'gelaran 'Di Raja' kepada "Universiti Pertahanan Nasional Malaysia" dan ditukar kepada "Universiti Pertahanan Di Raja Malaysia"

Dan DYMM SPB YDP Agong sendiri selayaknya menjadi 'Tuanku Canselor' untuk Universiti ni.

Gelaran ini sangat sesuai diberikan kepada UPNM selaras dengan cara pendekatannya, suasana dan lokasi universiti berkenaan (yang juga menempatkan Maktab Tentera Di Raja (MTD-RMC)).

KONVENSYEN PENDIDIKAN DAN MAJLIS MAKAN MALAM (YAYASAN PELAJARAN MARA)

MALAYSIA'S NEAR TERM OUTLOOK

From : The World Bank

PRESS RELEASE

Malaysia’s Near-Term Outlook still Favorable; Smart Natural Resource Management Ensures Smooth Path to High Income Economy

June 24, 2013

KUALA LUMPUR, JUNE 24, 2013--- Resilient domestic demand will allow the Malaysian economy to recover from a slow first quarter in 2013, says a new World Bank report. GDP is expected to grow by 5.1% for both 2013 and 2014, driven by higher consumer and business spending. As the global recovery gathers speed in 2014, the Bank report states, Malaysia's external sector will increase its contribution to growth, offsetting the impact of tighter fiscal policies on the domestic economy.

Released today, the World Bank’s Malaysia Economic Monitor: Harnessing Natural Resources, notes that Malaysia’s trade has become more dominated by commodities such as crude oil, natural gas, rubber and palm oil. With prospects for demand in commodities dampened by weak growth in key export markets such as China and Europe, and an abundance of supply globally, Malaysia needs to accelerate structural reforms to ensure that its economy remains diversified and dynamic.

"Malaysia has done remarkably well over the last two decades," says Kaushik Basu, Chief Economist at the World Bank. "However, the coming onstream of new sources of global energy is likely to put downward pressure on several commodity prices. This will no doubt put restraints on growth on a commodity-exporting country like Malaysia. I hope Malaysia will show the nimbleness it has shown in the past."

Malaysia is one of a few developing countries that has successfully converted an abundance of natural resources into long-term sustainable growth. As noted in the report, sound policy choices ensured revenues from resource extraction were reinvested in the economy in the form of machines, buildings and education. This supported high rates of growth that was shared among the population, raising the average incomes of the bottom 40 percent of rural households by 7.1 percent a year over three decades, while poverty rates

plummeted.

"Malaysia is a good example of a country that has successfully used natural resources to invest in other areas of the economy,” says Annette Dixon, World Bank Country Director for Malaysia. “This has allowed the country to promote diversification, create jobs and improve living standards for its people."

While Malaysia can be seen in many ways as a blueprint for other resource-rich, developing economies to follow, important challenges have emerged as a consequence of the global boom in commodity prices in the 2000s. In recent years, the economy has become less diversified, with high-tech manufacturing declining and commodities increasing as a share of exports. As highlighted in this report, reversing this trend, as well as saving a higher share of revenues from oil and gas, will enhance the resilience of

Malaysia’s economy.

"To reach its goal of becoming a high-income nation, Malaysia will need to continue managing natural resources sustainably," says Frederico Gil Sander, World Bank Senior Economist for Malaysia. He added, "Some adjustments are needed to spend less of the resource revenues on consumption and more on building skills and institutions that will support further diversification."

The report suggests that policy makers in Malaysia consider measures to enhance structural reform and management of natural resource revenues going forward, including:

* Improving sustainable consumption of natural resources by increasing the role of Malaysia's formal oil wealth fund, reforming fuel subsidies and reviewing gas pricing.

* Diversifying the economy towards higher productive investments in non-commodity sectors through improvements in human capital and better public investment management systems.

* Adapting agricultural commodity production to the effects of climate change.

The Malaysia Economic Monitor series provides an analytical perspective on the policy challenges facing Malaysia as it grows into a high-income economy. The series also represents an effort to reach out to a broad audience, including policymakers, private sector leaders, market participants, civil society and academia.

The financial sector is part of Malaysia's success

OPINION

Axel Van Trotsenburg

New Straits Times

June 4, 2013

STABILITY: The nation's banks are well capitalised and governance applies equally to all financial institutions

MALAYSIA'S dynamic economy and its rise to middle-income nation status offer lessons for many countries seeking to reduce poverty and build shared prosperity.

The country's economy shows continued strong momentum with real gross domestic product (GDP) growth estimated at five per cent for this year. Malaysia's highly open economy has displayed remarkable resilience in the face of a weak global environment as domestic demand remains robust.

Malaysians now enjoy an annual gross national income (GNI) per capita of almost US$10,000 (RM30,000) and the country is working towards becoming a high-income economy.

Macroeconomic management has been strong and the business environment robust.

The latest figures on household income show that the bottom 40 per cent of people have benefited from economic growth and extreme poverty has been nearly eradicated. The economic and social progress is impressive considering that five decades ago, the GNI per capita was only US$300.

The country's transformation provides many examples of how Malaysia improved living standards for its people.

One area that stands out as a major contributor to Malaysia's success is its innovative and inclusive financial sector.

Malaysia has developed a full range of financial services from microfinance to special loans for farmers tied to growing seasons and financing for small- and medium-scale enterprises.

Malaysia has one of the highest levels of financial inclusion in the world at 92 per cent and the country has taken advantage of mobile phones and online banking to expand access.

Development of an inclusive financial sector is key to building shared prosperity, as access to finance is critical to the ability of small entrepreneurs to grow their businesses and their incomes and to create jobs.

This has contributed to the growth of small- and medium-scale enterprises that now employ close to 40 per cent of the country's workforce.

Malaysia's innovative and sound financial services sector was partly born out of the lessons the country learned from going through the pain and loss of the Asian financial crisis of the late 1990s.

Today's financial sector is underpinned by modern rules, regulations and governance, and solid institutions to ensure stability of the system.

Having learned from the crisis, Malaysia is now sharing its experience with other developing countries so they develop regulatory policies and institutions to help mitigate the risk against a potential crisis.

Fundamental to the stability of Malaysia's financial system is its adoption of compliance with global standards for supervision and regulation of banking and insurance.

At the same time, Malaysia's banks are well capitalised and governance and regulations apply equally to all financial institutions across the country.

In addition, the court system and alternative mechanisms including arbitration facilitate resolution of disputes.

Malaysia has also become a global leader in Islamic finance or participant banking.

During the last decade, the country has boosted financial inclusion partly by developing an Islamic finance agenda to promote stability and stronger ties between finance and the real sector.

Islamic finance traditionally served as an alternative channel for banking and financial transactions in accordance with Islamic practices.

The quality of service and sound practices adopted by Malaysian financial institutions has proven its viability.

The World Bank is looking forward to working with Malaysia to continue sharing lessons from its financial sector success with developing countries where improved financial services could be part of the solution to lift millions of people out of extreme poverty.

World Bank to Support South-South Knowledge Exchange on Higher Education Reforms

PRESS RELEASE

May 20, 2013

Kuala Lumpur, May 20, 2013 – Officials from Algeria, Morocco, and Tunisia working on higher education reform will exchange experiences with Malaysian counterparts at a 4-day workshop beginning today, supported by the World Bank and the British Council Malaysia. The event is part of the Bank’s ongoing effort to encourage countries across regions to learn from each other to find innovative solutions.

“The final goals of higher education are much the same across countries,” said Annette Dixon, Country Director for the World Bank in Malaysia. “We hope our support to bring policy-makers, members of academia and advocates from Malaysia, Algeria, Morocco, and Tunisia together will enable them to learn from each other and explore new ideas that will help improve the quality of higher education in their countries.”

Malaysia acted early to take on many key reforms in its higher education system including the establishment of the Quality Assurance System in the 1990s. Algeria, Morocco and Tunsia will share their experience in improving institutional autonomy and accountability measures for universities.

“Policy-makers from developing countries are learning about how Malaysia successfully implemented key reforms in higher education.  The recent development on institutional reform, which focuses on granting key research universities more autonomy, together with much strengthened accountability, is of particular interest to them,” said Dandan Chen, World Bank Senior Economist. 

The 15-member visiting delegation is meeting with Malaysia’s Ministry of Higher Education and other government agencies to discuss issues such as higher education accreditation, quality assurance, and strengthening governance in universities and colleges. They are also visiting selected public and private universities and colleges to exchange lessons drawn from institutional reforms.

This knowledge event is funded by the Bank’s “South-South Experience Exchange Facility,” which was established in October 2008 to support global knowledge exchange projects that draw directly upon the expertise of developing countries and provides a platform for countries to share lessons.

PERLAKUAN PASARAN SAHAM HUBUNGKAIT ANTARA BERITA DAN AKTIVITI PASARAN

Nota Ringkas


Ada banyak yang masih perlu difahami oleh pelabur.

a) Pasaran menggambarkan berita yang AKAN berlaku dan bukannya yang TELAH berlaku walaupun berita boleh datang dengan MENGEJUT sekalipun. Penganalis yang bijak akan melihat kepada 'apa kesan berita berkenaan terhadap pasaran SELEPAS ianya diproses'?

b) Kadangkala pasaran memberikan tindakbalas terhadap data atau berita. Ada juga berita dan data bertindakbalas berdasarkan pasaran.

Yang mana datang terlebih dahulu? Saya ingin menjelaskan mengenai korelasi antara semua jenis data dan peristiwa yang berlaku selepas langkah-langkah penting diambil oleh pasaran.

Contohnya peperangan, ramai yang menyangka bahawa pasaran akan menjadi teruk atau jatuh. Ini hanyalah reaksi psikologi bagi mereka yang tidak tahu bagaimana pasaran memproses maklumat berkenaan. 

Dan keadaan ini diburukkan lagi apabila manusia menyangka mereka akan kehilangan kerja, keluarga, pendapatan, jatuh miskin terutamanya jika mendengar pelabur sendiri yang mengeluarkan kenyataan berkenaan.

Samalah juga serangan 11 September, jika dilihat ketika itu, kepanikan banyak berlaku tetapi ke mana perginya rasa panik berkenaan masakini? Lihat dulu bagaimana pasaran memberikan reaksi kemudiannya. Sememang dijangkakan, ramai yang menyangka ekonomi dunia akan jadi parah walhal ketika itu, semua data-data telah ada 'backupnya' dan masih beroperasi seperti biasa sehingga kini?

Kita juga pernah mendengar terdapat gempabumi atau tsunami di Jepun, ada kepanikan berlaku. 

Cuba lihat pasaran ketika itu, adakah ianya memberikan reaksi yang teruk? 

Jawapannya 'TIDAK'. 

Ianya mungkin memberikan kesan sementara kepada sekitarnya (ASEAN) kecuali tempat berlakunya bencana alam berkenaan (Jepun) 

Namun, fenomena ini juga membuka peluang kepada pelabur-pelabur berskala besar untuk membeli saham-saham yang dijual murah disebabkan 'selling pressure'. Akhirnya, apabila pasaran kembali pulih, tiba-tiba saham yang dibeli murah itu naik berkali ganda.

Apa yang penting ialah bagaimana pasaran mengendali dan memproses maklumat berkenaan. 

Kata Kunci di sini (dalam konteks pasaran saham) ialah 'Jangan Panik' kerana 'panik' boleh membuka jalan kepada spekulator.

Pada tahun 2001, ketika itu pasaran sedang riuh kerana kejatuhan saham dotcom. 

Pada tahun 2003, US telah menyerang Iraq. Semasa itu, pasaran saham di US jatuh hampir 50%.

Percayakah anda : 

Pasaran 'bear' menyebabkan kejatuhan dalam kadar kelahiran.

Kita lihat, ramai yang masih memberikan reaksi psikologi yang negatif dan menyangka kejatuhan dalam pasaran saham akan menyebabkan mereka akan hilang kuasa kewangan - jadi mereka perlu merancang keluarga mereka?

Namun, pasaran 'bull' pula menaikkan pula kadar kelahiran. Pelik tapi benar. 

Kerana pasaran yang digambarkan sebagai 'bullish' akan meningkatkan lagi jangkaan pelabur bahawa mereka akan membuat untung.

Suasana ini berlaku di US dan kini 'berjangkit' ke serata dunia.

Ini menyebabkan ramai yang melihat apa yang berlaku sebelumnya dan bukan apa yang sedang berlaku. Setiap kali ada berita kejatuhan dunia sebelum ini, pasaran telah mengambil segala langkah untuk memastikan jika ianya berlaku sekali lagi, pasaran dapat memproses maklumat itu dengan lebih matang dan mencari 'kusyen' untuk 'jatuh'.

Jadi kadangkala kita tidak boleh terlalu bergantung kepada kisah lama seperti 'Great Depression' dan 'Big Bubble'.

Tahun 2008 menyaksikan banyak sektor korporat telah mendapat kesan hasil daripada krisis kewangan. Malah ramai 'peramal-peramal' menyatakan, akan berlaku kemelesetan yang teruk. Pemimpin peringkat negara, masyarakat, dunia dsb. pula menganggap 'politik' tidak membantu. Akhirnya apa yang disebut berlaku kemelesetan, tidak berlaku sehingga kini.

Saya bertanya sahabat di U.S., sekiranya 'trading' adalah 1,050, S & P 500 jatuh 16.1%, adakah ini bermakna akan berlaku 'double dip recession'? 

Benar, index mungkin jatuh tetapi trend menunjukkan ianya akan bertahan pada satu tahap dan akhirnya naik kembali pada masa-masa yang akan datang.

Kesimpulannya, pasaranlah yang mencetuskan suasana ekonomi masa hadapan dan bukannya berita (atau khabar) semata-mata.

Lain kali, jika ada pergerakan pasaran saham ke suatu arah tertentu, jangan bertanya "apa yang telah berlaku yang menyebabkan pergerakan berkenaan?" tetapi tanyalah "apa gambaran yang cuba dilakukan oleh pasaran mengenai 'apa yang akan berlaku?' supaya kita boleh mengambil langkah berjaga-jaga.

Jangkapanjang sebenarnya lebih baik dari Jangkapendek.

QUICKEY

Greetings. 

To those who might want to know more about the Share Investment Centre (Maybank Investment), please visit http://www.maybank2u.com.my

What interest me is the HOT Broking Programme introduced by Maybank Investment for newbie (bumiputera especially) but potential investors to be part of the retail market by investing into selected syariah counters.

But before investors decide to invest, they must first get the Yellow Form or Acknowledgement of Receipt from Ministry of Trade and Industry (MITI) and definitely there are rules to be followed for both category - individual or company (in most cases Private Limited - Sdn. Bhd.)

I do 'hear' few proposals as well but I do not know how true they are : 

a) To open up eligibility of Bumiputera to invest also for enterprise/partnership entities as well. (I notice in one IPO notice from Maybank Investment indicating 'enterprise entities' are eligible but MITI; I think clearly mentioned that it is for "Sdn. Bhd." )

If this is true (that enterprise/sole prop can apply for Bumi shares) then it is a good thing to do but there may be additional requirements to ensure that 'enterprise' (sole prop) entities have audited accounts (which is the same in the partnership - pursuant to Partnership act - but any act never mention a sole prop should also have audited accounts. The problem is because some of their clients require the supplier to have audited accounts but the supplier is only an enterprise entity which by law do not require audited accounts - perhaps an income statement )

b) Liberalization of retail market (syariah counters) branching out to Singapore, Brunei and Indonesia.

Alas, this is only my personal opinion - nothing to do with ROS/SSM, Maybank or MITI. Please contact the right authorities for further information.

THE PASSWORD MANAGEMENT GUIDE

itmanagement-whitepapers.tradepub.com


By Mohammed Al-Marhoon
https://www.facebook.com/almarhoon1

This manual is the intellectual property of MakeUseOf. It must only be published in its original form. Using
parts or republishing altered parts of this guide is prohibited without permission from MakeUseOf.com

Malaysia Continues to Improve in Ease of Doing Business

WORLD BANK
October 23, 2012
PRESS RELEASE


Kuala Lumpur, October 23, 2012—A new report from IFC and the World Bank finds that Malaysia remains among the world’s most business-friendly countries.

Released today, Doing Business 2013: Smarter Regulations for Small and Medium-Size Enterprises  notes that Malaysia made dealing with construction permits faster by improving the one-stop center for new buildings and by reducing the time to connect to telephone services.

“Malaysia is to be commended for its ongoing efforts to reduce the costs of doing business,” said Annette Dixon, World Bank Country Director for Malaysia. “This will help the private sector drive growth, especially if Malaysia can build on its success by continuing to tackle long-term challenges, such as improving the quality of education.”

Malaysia also cut the number of days it takes to register property transfers by introducing a new caseload management system at the land registry. Inspired by effective supply chain management strategies employed by the private sector, the registry reduced registration time from 41 days in 2011 to 7 days in 2012 for non strata properties (those that are not part of a subdivision or common-interest community).

“Malaysia continues to improve the quality of domestic regulations. This has great potential to energize the private sector when combined with stepped-up implementation of strategic reform initiatives, especially the liberalization of services sectors and the enforcement of the new competition law,” said Frederico Gil Sander, World Bank Senior Economist for Malaysia.

The Doing Business 2013 report, which covers the period from June 2011 to June 2012 and which uses data for indicators that measure regulation affecting 10 key areas of the life cycle of local businesses, finds that Singapore tops the global ranking on the ease of doing business for the seventh consecutive year, while Hong Kong SAR, China, holds onto the second spot.

The report finds that 23 economies in East Asia and the Pacific have made their regulatory environment more business-friendly since 2005. During that time, China made the greatest progress in improving business regulations for local entrepreneurs. The report also notes that 11 of 24 economies in East Asia and the Pacific improved business regulations in the past year.

Joining Singapore and Hong Kong SAR, China, on the list of the 10 economies with the most business-friendly regulations are, in this order, New Zealand; the United States; Denmark; Norway; the United Kingdom; the Republic of Korea; Georgia; and Australia.

About the Doing Business report series

Doing Business analyzes regulations that apply to an economy’s businesses during their life cycle, including start-up and operations, trading across borders, paying taxes, and protecting investors. The aggregate ease of doing business rankings are based on 10 indicators and cover 185 economies. Doing Business does not measure all aspects of the business environment that matter to firms and investors. For example, it does not measure the quality of fiscal management, other aspects of macroeconomic stability, the level of skills in the labor force, or the resilience of financial systems. Its findings have stimulated policy debates worldwide and enabled a growing body of research on how firm-level regulation relates to economic outcomes across economies. This year’s report marks the 10th edition of the global Doing Business report series.


DOWNLOAD THE 140 PAGES FULL REPORT HERE!!

URBANIZATION AND SUSTAINABLE DEVELOPMENT

Dean Cira, Urban Expert, World Bank 

SUBMITTED BY HUONG LAN VU ON TUE, 2012-06-19 14:47

Urbanization itself cannot guarantee economic growth, but it does appear to be an inevitable process on the way to development: no country has achieved high income status without first urbanizing, and nearly all countries become at least 50% urbanized before fully reaching middle income status.

The trick is in how to manage this process in a way that plays up the benefits and minimizes the challenges it brings. 

When I was a little child, we lived in a 30m2 house in the suburbs of Hanoi, Vietnam, with intermittent supplies of power and clean water. But I enjoyed playing on the quiet and clean street in front of my house. Twenty years later, my whole neighborhood has been nicely renovated; there’s enough electricity to run all appliances in my house, including two air conditioners. But I get stuck in traffic every day on my way to work, and the smog is so thick I can hardly breathe, even with a mask on my face.

Urbanization has arrived to my hometown with both advantages and challenges. However, noises, heavy traffic, and air and water pollution are not unique to Hanoi. They can be observed in many cities in emerging countries all over the world (such as China, India, Brazil, Indonesia, Mexico, the Philippines, or Nigeria). The Vietnam Urbanization Reviewnotes that if these challenges are well managed, they will allow cities like Hanoi to retain its unique charm and livability while enjoying the benefits that urbanization brings.    

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URBANIZATION AND SUSTAINABLE DEVELOPMENT

SUBMITTED BY NIK ZAFRI ON WED, 2012-06-20 05:05.

Urbanization; to a certain degree; has always been an indicator to the level of success in the context of economics.I have no qualms against urbanization knowing the benefits of it such as infrastructures, job opportunity, healthcare, education, roads/highways, etc.

But nowadays urbanization can be a menace if not properly planned. No doubt proper town planning is always there for new plans of urbanization to incorporate elements of sustainable development - green building, environmental management systems, control of carbon emission etc. etc.

I'm talking about the current urbanized locations - as you've mentioned - traffic jams, uncontrolled pollution, bustling cities, social impacts such as crime, disunity as well.

I feel that the most important thing that the current urbanized location require is a mass awareness to be communicated to all of them using various tools such as the internet, the billboards, the conventional flyers/brochures/buntings etc, free seminars etc. to make them understand the significance of protecting the environment (to include contractors, developers etc.), have more unity-based activities rather than being in 'clans'/'groups', ice-breakings programs disregarding race/religious backgrounds etc.

Of course, everyone nowadays are talking about money and more money or having job opportunities or disliking certain political parties. For this, the mayors, the councillors, the authorities, the political parties, including people's representatives, religious representatives, associations etc. must come together to draw up a plan now!

Well, many would disagree with me but my intention making a call of unity and peace will always be there. If not here, elsewhere - till the day I die.

INVESTMENT IN TURBULENT TIMES
(SJ Securities and European Credit Investment Bank Limited)
Bilik Kinabalu - Menara Hap Seng, Jalan P. Ramlee, Kuala Lumpur

- Quickie from Nik Zafri. Please sign up/'like' the 'Knowledge Management (FB) for more information.

Mr. Darren Tan, International Consultant on Precious Metal, Founder iBiz, 2010 recipient of Successful Entrepreneur (Platinum Catgory) & 2011 SME1 Asia Award (Emerging Award) representing European Credit Investment Bank Ltd.

Topic : Investing in Gold and Silver - also touching on investing opportunities - FOREX, Derivatives, Bonds, Futures etc. besides than latest outlook on Sub Prime Mortgage Crisis and Eurozone Crisis

This workshop is part of the Security Commission program to educate the public especially investors

Mr. Peter Lim, Dep. MD of SJ Securities - a very experienced and qualified investment guru
Topic : Investment in the Stock Market also touching on opportunities, capital and economics

My questions to the speakers are :

a) If the influx of foreign currency is too much to any country, is it good to consider pegging - as the pegged regime did provide a strong foundation for accumulating and improving the level of international reserve and balance of trade.

Mr. Peter Lim commented that it is possible to have some form of capital control measures if there is proof of too much influx.

My next question :

b) Why do world stock markets react and behave eratically towards Federal Reserve news, policy even rumours to hike interest rates?

Mr. Peter Lim (assisted by Darren Tan later) said that stock prices and even equity prices respond as they do to monetary policy or interest rates hike are really intriguing. Sometimes monetary policy affects stock values through its effects on real interest rates, expected future dividends, or expected future stock returns. It has something to do with relatively transitory movements in real interest rates induced by surprise policy actions. Mr. Peter Lim also said the scenario is related to inverse 'effects' usually providing the opposite performance to their benchmark.

(But he also stressed that I shouldn't be listening rumours too much)

c) The rest are questions during 'breaks' briefly about FOREX and painting 'rosy pictures' in the company stocks including opportunities of emerging markets. I really like the way Mr. Darren Tan said about how we do not want to loose and only targetting profit. I later told one of the investors that there is no business or accounting without Profit & Loss. There is no such thing as we give assurance to people that we're going to make lots and lots of profit with a warranty of no loss. The same goes to property/REIT, Forex, Stock Market, Gold, Silver etc. It's the balance between up-to-date information (the right source), right timing and the right stocks.

The best part is the conclusion - both Mr. Peter Lim and Darren splendidly prove one important point - you can still make money during 'ups' and 'downs' if you know how to.

NEW PRESIDENT OF THE WORLD BANK

Dr. Jim Yong Kim is the 12th president of the World Bank Group. He is chairman of the Bank’s Board of Executive Directors and president of a group of five interrelated organizations:

* The International Bank for Reconstruction and Development (IBRD)

* International Development Association (IDA)

* International Finance Corporation (IFC)

* Multilateral Investment Guarantee Agency (MIGA)

* International Centre for Settlement of Investment Disputes (ICSID).

(ICSID operates as a secretariat whose secretary-general is selected by its governing Administrative Council every six years. The World Bank Group president is chairman of the Administrative Council.)

The Executive Vice Presidents of IFC and MIGA report to the President of the World Bank Group.

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

Jim Yong Kim, M.D., Ph.D., became the 12th President of the World Bank Group on July 1, 2012.

A physician and anthropologist, Dr. Kim has dedicated himself to international development for more than two decades, helping to improve the lives of under-served populations worldwide. Dr. Kim comes to the Bank after serving as President of Dartmouth College, a pre-eminent center of higher education that consistently ranks among the top academic institutions in the United States. Dr. Kim is a co-founder of Partners In Health (PIH) and a former director of the HIV/AIDS Department at the World Health Organization (WHO).

As President of Dartmouth – an institution that comprises a liberal arts college and professional schools of medicine, engineering and business, as well as 19 graduate programs in the arts and sciences, a staff and faculty of 3,300, and a budget of $700 million – Dr. Kim earned praise for reducing a financial deficit without cutting any academic programs. Dr. Kim also founded the Dartmouth Center for Health Care Delivery Science, a multidisciplinary institute dedicated to developing new models of health care delivery and achieving better health outcomes at lower costs.

Before assuming the Dartmouth presidency, Dr. Kim held professorships and chaired departments at Harvard Medical School, the Harvard School of Public Health and Brigham and Women’s Hospital, Boston. He also served as director of Harvard’s François-Xavier Bagnoud Center for Health and Human Rights.

In 1987, Dr. Kim co-founded Partners In Health, a Boston-based non-profit organization now working in poor communities on 4 continents. Challenging previous conventional wisdom that drug-resistant tuberculosis and HIV/AIDS could not be treated in developing countries, PIH successfully tackled these diseases by integrating large-scale treatment programs into community-based primary care.

As Director of the World Health Organization’s HIV/AIDS Department, Dr. Kim led the ‘3 by 5’ initiative, the first-ever global goal for AIDS treatment, which sought to treat 3 million new HIV/AIDS patients in developing countries with antiretroviral drugs by 2005. Launched in September 2003, the ambitious program ultimately reached its goal by 2007.

Dr. Kim’s work has earned him wide recognition. He was awarded a MacArthur “Genius” Fellowship (2003), was named one of America’s “25 Best Leaders” by U.S. News & World Report (2005), and was selected as one of TIME magazine’s “100 Most Influential People in the World” (2006).

Born in 1959 in Seoul, South Korea, Dr. Kim moved with his family to the United States at the age of five and grew up in Muscatine, Iowa. Dr. Kim graduated with an A.B. magna cum laude from Brown University in 1982. He earned an M.D. from Harvard Medical School in 1991 and a Ph.D. in anthropology from Harvard University in 1993.

He is married to Dr. Younsook Lim, a pediatrician. The couple has two young sons.

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

New World Bank president pledges support for poor

Associated Press, Washington | World | Tue, July 03 2012, 7:57 AM

Korean-American Jim Yong Kim has begun his new job as president of the World Bank, promising to immediately focus on helping poor countries navigate a fragile global economy.

Kim tells reporters the 187-nation development agency is in a strong financial position to help poor countries respond to slowing growth and uncertainty from the debt crisis in Europe.

Kim was a surprise nominee of President Barack Obama. He succeeds Robert Zoellick.

Barack Obama (R) makes a point about Dartmouth College president Jim Yong Kim (L) as he introduces him as his nominee to be the next president of the World Bank, during an announcement in the Rose Garden at the White House in Washington, March 23, 2012. (Pic : Jonathan Ernst / Reuters)

Developing nations waged an unsuccessful challenge to Kim, a physician and pioneer in treating HIV/AIDS and tuberculosis in the developing world. They think the U.S. should not automatically get to decide who leads the organization.

Kim says he will discuss with the board issues raised by developing countries about the institution's structure.

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

"We recognize that for the first time in the history of the World Bank there was an open process for the selection of the President that involved a debate on the priorities and the future of the institution.Future selection processes must build on this process, but must be transparent and truly merit-based." (G24 Group/Communique)

AMALAN PENGURUSAN DAN PERNIAGAAN ISLAM YANG TERBAIK
(Panduan Keusahawanan Khalaf)

Baru-baru ini ada permintaan dari beberapa penerbit di Malaysia yang telah menghubungi saya setelah melihat manuskrip yang pertama dan telah menyuarakan hasrat meminta saya menulis buku yang telah lama saya pendam pengeluarannya iaitu mengenai amalan pengurusan dan perniagaan Islam terbaik (best Islamic Management and Business Services) pada zaman (khalaf) ini.

Walaupun telah banyak bahan yang dipaparkan mengenai topik yang sama, namun terdapat perbezaan ketara dalam apa yang bakal saya keluarkan nanti.Buku atau panduan ini dijangka akan menjadi petunjuk alternatif yang juga dapat diharmonikan dengan semua standard/piawaian halal dan pengurusan Islam termasuk perbankan Islam di Malaysia.

Berikut adalah petikan dari muka hadapan buku berkenaan yang ditulis bersama oleh Encik Md Sukri :

DARI MEJA PENGARANG

Alhamdulillah, setelah menjalankan kajian lebih dua dekad, akhirnya terhasil juga buku ini sebagai salah satu wadah perjuangan kami untuk mencapai hasrat menjana ekonomi ummah pada zaman khalaf.

Kini umat Melayu Islam sedunia hari ini masih mencari-cari satu kaedah pengurusan dan perniagaan Islamik untuk disesuaikan pada zaman khalaf.

Penggunaan perkataan "Islamik" menggambarkan bahawa isi kandungan ciri-ciri ini telah diterapkan dengan nilai-nilai Islam.

Ini berlaku kerana terlalu banyak input dari pelbagai kajian Islamik yang perlu diproses namun, untuk menganalisa data-data yang banyak ini bagi tujuan mengaturnya kembali bagi memudahkan kefahaman bukanlah semudah yang disangkakan.

Pesanan kami kepada pembaca terutamanya mereka dari kalangan professional dan kakitangan pelbagai industri termasuk perkhidmatan awam; dalam membaca buku ini; tentunya tuan/puan akan terlihat unsur-unsur yang mirip kepada piawaian ISO 9000 dan lain-lain piawaian antarabangsa.

Walaupun demikian, untuk pengetahuan pembaca :

a. Pendekatan buku ini akan mengikut proses perniagaan (di mana poin perniagaan biasanya bermula secara tipikal) dan boleh terus disesuaikan dengan apa juga jenis organisasi.

Sidang pengarang juga telah memberikan contoh-contoh dan istilah-istilah yang mudah difahami dalam setiap ciri-ciri yang dipaparkan,

Manakala piawaian ISO pendekatannya berbentuk elemen yang sekurang-kurangnya perlu diatur kembali mengikut kesesuaian proses/operasi dan tiada contoh-contoh konkrit diberikan.

b. Buku ini bukan bertujuan untuk mencapai sebarang persijilan seperti ISO ianya hanyalah panduan yang mengandungi ciri-ciri Islamik – ianya boleh disesuaikan kepada apa juga bentuk organisasi malah boleh dijadikan prinsip secara individu,

c. Walaubagaimanapun, rujuksilang tetap dilakukan kepada dokumentasi ISO, pelbagai piawaian halal dan pengurusan Islam yang lain untuk memudahkan kefahaman,

d. Buku ini tidak akan menjadi satu tindanan (overlapping) kepada mana-mana piawaian ISO, ianya hanyalah satu pilihan kepada pembaca dan pengamal pengurusan perniagaan Islam.

Tetapi sekiranya ada pihak yang berminat untuk meningkatkan taraf buku ini kepada piawaian, sidang pengarang sentiasa bersedia untuk berbincang secara lanjut.

Adalah diharapkan buku ini akan mendapat keredhaan dan rahmat Allah SWT supaya isi kandungannya dapat dilaksanakan paling hampir dengan kehendak syarak di zaman penuh mencabar ini.

Juga nawaitu kami ialah untuk mengkayakan lagi khazanah keilmuan Islamik dan dapat diharmonikan dengan sistem yang sediada seperti perbankan dan kewangan Islam, sistem perakaunan/pengauditan berorientasikan Islam, pelaburan Islam, piawaian halal, piawaian pengurusan Islam yang lain dan sebagainya.

Setelah buku ini dicetak, sidang pengarang dijangka; InsyaAllah; akan mengadakan siri-siri bengkel dan latihan serta perundingan dengan kerjasama agensi-agensi yang berkaitan. InsyaAllah, buku ini bukanlah buku yang terakhir bagi kami, akan ada lagi siri-siri komplimentari (siri-siri mini) yang akan dikeluarkan dalam tempoh yang terdekat.

Wassalam

SIDANG PENGARANG

NIK ZAFRI BIN ABDUL MAJID

MUHAMMAD SUKRI BIN YAHYA

Antara kandungan buku (ciri-ciri utama) ini ialah :

1.0 PEMASARAN- R & D, Tinjauan Pemasaran, Periklanan dan Promosi berkonsepkan ta'sir, qimah, tanpa unsur ihtikar dan gharar serta mengambilkira :

i) MS 1500:2009 (M), Makanan halal -Pengeluaran, penyediaan, pengendalian dan penyimpanan -Garis panduan umum (Semakan kedua)

ii). MS 2200:Part 1:2008, Islamic Consumer Goods -Part1: Cosmetic and Personal Care -General Guidelines

iii). MS 2400-1:2010, Halalan-Toyyiban Assurance Pipeline -Management system requirements for transportation of goods and/or cargo chain services

iv). MS 2400-2:2010, Halalan-Toyyiban Assurance Pipeline -Management system requirements for warehousing and related activities

v). MS 2400-3:2010, Halalan-Toyyiban Assurance Pipeline -Management system requirements for retailing

vi). Piawaian dan Panduan bersabit dengan GMP dan HACCP di mana berkaitan

vii) MS1900:2005 Quality Management System - Requirement From Islamic Perspectives

Jenis-jenis produk/industri spt. dharuriyah, hajiyah dan tahsiniah.

2.0 PEMBELIAN DAN PENGURUSAN HARTA - yang memaparkan konsep at-thaman, rundingan, sewaan, spesifikasi, jumlah/mutu, sampel, perlantikan pembekal, sistem kawalan kredit bai-muajjal, qa/qc, pengurusan harta alih & tidak alih, rekod, jaminan bank dari bank/kewangan Islamik, atau Bon (sukuk) dsb.

Ianya juga mengambilkira kesesuaian organisasi menggunakan - PO/Kontrak berdasarkan musamma, al-bay (barter trade/kontra), ijarah, jualan, kafalah, qard (kolateral, wang tahanan dsb) - qimi, hibah, wasiyyah/hawalah, iqalah, wadiah, muzaraah, rahn, suftajah (cek kembara), muatah (spt. memakai vending machine), umra/iarah, amanah, thunya, Tawliah, Wadhiah, Isyrak dan Murabahah dan al-inah

3.0 PERANCANGAN - yang memaparkan sumber dan prasarana, tanggungjawab pengurusan, perlantikan wakil syariah atau panel syariah, perancangan/pengurusan sumber manusia, dokumentasi dan rekod.Ianya juga mengambilkira - takhtit, tanzin dan KPI/KRA/MBO

(Dalam ciri-ciri Sumber dan Prasarana ada menyentuh mengenai kepentingan sistem perakaunan mengikut :

'Pernyataan Prinsip Sistem Perakaunan Islam' keluaran Lembaga Piawaian Perakaunan Malaysia (MASB. Selain itu kepentingan terdapatnya 'musolla' dalam sesebuah organisasi yang ingin mengamalkan panduan ini)

4.0 OPERASI - yang memaparkan perkara-perkara am, kemudahkesanan, penstoran, aturan barangan, kawalan peralatan ukuran, penilaian -pemeriksaan/penilaian berkala, pengredan 'patuh syariah', tatacara nilaian, ketidakpatuhan - azimah & rukhsah, penilaian susulan, penyediaan senarai ketidakpatuhan.

Konsep Penilaian adalah berdasarkan Wiqayah :

I. tandaras kejayaan – asas pencapaian matlamat organisasi

II. penjamin kelicinan operasi – tandaras ukuran dan penentuan kelicinan operasi di samping berorientasikan motivasi ke arah kejayaan.

III. Proaktif – mewujudkan dan menjangka langkah-langkah pencegahan masalah berdasarkan pengalaman, kemahiran, syor yang bernas dan lain-lain.

IV. menjalankan penilaian tanpa tujuan untuk mencari kesalahan sebaliknya sama-sama untuk mencari langkah-langkah penambahbaikan dan dijalankan dalam bentuk tidak menjatuhkan maruah seseorang.

5.0 PENAMBAHBAIKAN - yang memaparkan mesyuarat semakan semula

6.0 PELANGGAN

Buku dan panduan ini juga akan memaparkan contoh model pengurusan Islamik dengan contoh cartalir.

NANTIKANLAH KEDATANGANNYA!!