MALAYSIA INTERNATIONAL ISLAMIC FINANCIAL CENTRENATASHYA AYUNIE
The MIFC Executive Committee oversees the implementation of Malaysia's Islamic financial initiatives. Chaired by the Governor of Bank Negara Malaysia, the committee comprises officials from government agencies and regulators who work to promote Malaysia as a global Islamic finance center. The MIFC initiative was launched in 2006 and is supported by key Malaysian financial authorities and private sector partners to develop Islamic banking, takaful, sukuk issuance, and professional services in the country.
Al Bai Bithaman Ajil - Syariah and legal issues - the Malaysian ExperienceFaizal Ahamad
This document discusses the Shariah and legal issues regarding the application of Al-Bai Bithaman Ajil (BBA) as a financing facility in Malaysia. It begins with defining BBA as a sale contract where payment is deferred to a future date. It then examines the legal evidence for BBA from the Quran and hadiths. It outlines the objectives, pillars, and typical transaction process for BBA. Several Shariah issues are then explored, such as whether BBA resembles forbidden riba, issues around guarantees and rebates. The document also describes how BBA is commonly practiced by Islamic banks in Malaysia through various agreements. It concludes by discussing ongoing Shariah issues regarding BBA financing in Malaysia
Dokumen tersebut memberikan informasi tentang konsep maf'ul mutlaq dalam bahasa Arab. Secara singkat, maf'ul mutlaq adalah masdar yang disebutkan setelah fi'il untuk mengukuhkan maknanya, menjelaskan jumlahnya, menerangkan jenisnya, atau mengganti pengucapan fi'ilnya. Terdapat dua jenis maf'ul mutlaq yaitu maf'ul mutlaq mubham dan maf'ul mutlaq mukhtas.
This document defines and discusses the Islamic legal concept of hibah, or gift. It provides that hibah involves the uncompensated transfer of ownership of an asset from a donor to a beneficiary voluntarily, without valuable consideration. It outlines the evidence for hibah from the Quran and hadith. It also discusses the pillars (elements) of a valid hibah contract, including the donor, recipient, gift, and acceptance. Conditions for the donor, recipient, and object are explained. Modern applications of hibah such as in savings accounts and contracts are mentioned.
MALAYSIA INTERNATIONAL ISLAMIC FINANCIAL CENTRENATASHYA AYUNIE
The MIFC Executive Committee oversees the implementation of Malaysia's Islamic financial initiatives. Chaired by the Governor of Bank Negara Malaysia, the committee comprises officials from government agencies and regulators who work to promote Malaysia as a global Islamic finance center. The MIFC initiative was launched in 2006 and is supported by key Malaysian financial authorities and private sector partners to develop Islamic banking, takaful, sukuk issuance, and professional services in the country.
Al Bai Bithaman Ajil - Syariah and legal issues - the Malaysian ExperienceFaizal Ahamad
This document discusses the Shariah and legal issues regarding the application of Al-Bai Bithaman Ajil (BBA) as a financing facility in Malaysia. It begins with defining BBA as a sale contract where payment is deferred to a future date. It then examines the legal evidence for BBA from the Quran and hadiths. It outlines the objectives, pillars, and typical transaction process for BBA. Several Shariah issues are then explored, such as whether BBA resembles forbidden riba, issues around guarantees and rebates. The document also describes how BBA is commonly practiced by Islamic banks in Malaysia through various agreements. It concludes by discussing ongoing Shariah issues regarding BBA financing in Malaysia
Dokumen tersebut memberikan informasi tentang konsep maf'ul mutlaq dalam bahasa Arab. Secara singkat, maf'ul mutlaq adalah masdar yang disebutkan setelah fi'il untuk mengukuhkan maknanya, menjelaskan jumlahnya, menerangkan jenisnya, atau mengganti pengucapan fi'ilnya. Terdapat dua jenis maf'ul mutlaq yaitu maf'ul mutlaq mubham dan maf'ul mutlaq mukhtas.
This document defines and discusses the Islamic legal concept of hibah, or gift. It provides that hibah involves the uncompensated transfer of ownership of an asset from a donor to a beneficiary voluntarily, without valuable consideration. It outlines the evidence for hibah from the Quran and hadith. It also discusses the pillars (elements) of a valid hibah contract, including the donor, recipient, gift, and acceptance. Conditions for the donor, recipient, and object are explained. Modern applications of hibah such as in savings accounts and contracts are mentioned.
1) Islamic banks obtain funds from deposits and use those funds to finance various approved investment activities like trade financing. More than 75% of funds come from deposits.
2) Financing must follow Shariah principles like prohibiting interest and uncertainty and balancing individual and societal needs.
3) The bank uses modes like murabahah, ijarah, mudharabah and musharakah with different structures for purchasing, leasing or jointly investing in assets and sharing profits and losses according to capital contributions.
This document discusses derivatives in Islamic finance. It begins by defining derivatives and explaining their main uses, including hedging, speculation, and arbitrage. It then outlines common derivative types like forwards, futures, and options. The document notes that Islamic derivatives must be free of riba (usury), gharar (uncertainty), and maysir (gambling). It discusses how some contracts in Islamic law, like salam and istisna, can serve as the basis for sharia-compliant forward and futures contracts. However, deferring both price and asset delivery poses challenges in avoiding gharar. The salam contract is described as one permissible structure but it requires full prepayment and standardized terms.
Fundamental of Islamic Banking - Overview of Financial SystemMahyuddin Khalid
This document provides an overview of Islamic banking and finance. It begins with defining key concepts in financial systems such as money, credit, and finance. It then describes the structure of Malaysia's financial system and the roles of banks as financial intermediaries. The document outlines the goals and objectives of Islamic banking, and highlights key differences from conventional banking such as the prohibition of riba and emphasis on risk sharing. Some advantages of Islamic banking discussed are justice and fairness, liquidity, and no fixed obligations. The document concludes with challenges facing Islamic banking such as misconceptions, the need for skilled talents, and rising costs for small Islamic banks.
1) Mudarabah is a partnership agreement where one party provides capital while the other provides labor and management skills, with profits shared between the parties according to a predetermined ratio.
2) In mudarabah, the capital provider is called rabb-ul-maal and the manager is called the mudarib. The mudarib manages the business while the rabb-ul-maal does not interfere.
3) Mudarabah can be used by Islamic banks for investment purposes and financing projects, businesses, and private equity through profit-sharing with entrepreneurs. Deposits from customers to banks are treated as rabb-ul-maal funds to be invested by the bank as mudarib.
Undang-undang Perbankan Islam di MalaysiaAzim Ismail14
Undang-undang Perbankan Islam di Malaysia
Law in Islamic Banking
IFSA 2013
IBA 1983
Bank Islam
Maybank Islamic
Tabung Haji
Financial Service
Pengenalan Fiqh Mualamat
Praktis Fiqh Mualamat
Islami banking
Islamic Finance
Islamic economics
Bank Islam
Maybank Islamic
1. Fatwa sering berbeza antara negeri di Malaysia disebabkan pelbagai faktor seperti perlembagaan, struktur jawatankuasa, dan latar belakang akademik.
2. Perbezaan fatwa boleh menyebabkan kekeliruan masyarakat dan melemahkan autoriti fatwa.
3. Ia juga boleh mencetuskan konflik perundangan jika satu negeri mengharamkan sesuatu yang dihalalkan negeri lain.
Dokumen ini membahas tentang konsep saham fardhu dalam hukum Islam, termasuk perbandingannya dengan asal masalah, konsep 'aul dan rad, serta contoh-contoh masalahnya. Dibahas pula tentang proses pengiraan tashih untuk menghindari pecahan saham.
Dokumen tersebut membahasakan konsep ijarah dalam ekonomi Islam. Ijarah adalah kontrak sewa yang mengharuskan pembayaran uang sewa dan memenuhi syarat-syarat tertentu seperti kesepakatan kedua belah pihak, keadaan barang yang disewakan, dan manfaat yang diterima. Dokumen tersebut juga membandingkan ijarah dengan ji'alah dan menjelaskan unsur-unsur penting ekonomi Islam.
This document discusses shariah audits of Islamic businesses. It describes that a shariah audit involves an unbiased examination of all aspects of a business according to Islamic law. The benefits of a shariah audit include increased productivity and profits by minimizing expenses and employee turnover. A shariah audit also pleases Allah by avoiding disobedience in business practices. The audit process involves signing an NDA, collecting policy documents, discussing policies with management, providing alternative Islamic solutions, and training employees. Examples of issues found include profit distribution ratios and sales practices. The compensation for a shariah audit is an investment that provides knowledge and is considered a ongoing charity.
The document discusses the issue of Bai Bithaman Ajil (BBA) contracts as used in Islamic financing in Malaysia. It summarizes the conceptual model of BBA, which involves the deferred payment sale of an asset from a seller to a purchaser. The document then discusses 5 previous court cases related to BBA and the legal issues they raised. The cases analyzed whether the BBA structure qualified as a legitimate sale contract under Shariah or resembled interest-based financing. The document concludes by noting the Malaysian government strengthened regulations on Islamic finance to address legal uncertainties surrounding BBA raised by the court cases.
ISLAMIC HOUSING FINANCING AND CONVENTIONAL HOUSING LOAN BY BANKSan nur
Hong Leong Islamic Bank and Hong Leong Bank are compared to highlight the differences between Islamic financing and conventional loans for housing. Islamic financing is based on Shariah law and prohibits interest, using structures like diminishing Musharaka instead. Conventional loans use interest and a debtor-creditor relationship. For housing, Islamic financing typically uses Musyarakah Mutanaqisah and Bai Bithaman Ajil, which set a maximum selling price rather than variable interest. While computations are similar, Islamic financing provides more certainty in payments and treats early settlement fees more fairly compared to conventional loans.
Dokumen tersebut membahas tentang definisi perundangan menurut agama dan hukum, sumber perundangan pada zaman Rasulullah SAW dan sahabat, serta perkembangan perundangan pada zaman pembukuhan dan imam mujtahid.
This document defines and discusses the concept of Qardh al-Hassan (benevolent loan) in Islam. It provides definitions, evidence from the Quran and Hadith, the pillars and conditions of Qardh, objectives of Qardh al-Hassan, and modern applications. Qardh al-Hassan refers to a loan given freely without interest or preconditions for repayment, with the debtor optionally giving more than the principal amount after settlement out of goodwill.
1) Islamic banks obtain funds from deposits and use those funds to finance various approved investment activities like trade financing. More than 75% of funds come from deposits.
2) Financing must follow Shariah principles like prohibiting interest and uncertainty and balancing individual and societal needs.
3) The bank uses modes like murabahah, ijarah, mudharabah and musharakah with different structures for purchasing, leasing or jointly investing in assets and sharing profits and losses according to capital contributions.
This document discusses derivatives in Islamic finance. It begins by defining derivatives and explaining their main uses, including hedging, speculation, and arbitrage. It then outlines common derivative types like forwards, futures, and options. The document notes that Islamic derivatives must be free of riba (usury), gharar (uncertainty), and maysir (gambling). It discusses how some contracts in Islamic law, like salam and istisna, can serve as the basis for sharia-compliant forward and futures contracts. However, deferring both price and asset delivery poses challenges in avoiding gharar. The salam contract is described as one permissible structure but it requires full prepayment and standardized terms.
Fundamental of Islamic Banking - Overview of Financial SystemMahyuddin Khalid
This document provides an overview of Islamic banking and finance. It begins with defining key concepts in financial systems such as money, credit, and finance. It then describes the structure of Malaysia's financial system and the roles of banks as financial intermediaries. The document outlines the goals and objectives of Islamic banking, and highlights key differences from conventional banking such as the prohibition of riba and emphasis on risk sharing. Some advantages of Islamic banking discussed are justice and fairness, liquidity, and no fixed obligations. The document concludes with challenges facing Islamic banking such as misconceptions, the need for skilled talents, and rising costs for small Islamic banks.
1) Mudarabah is a partnership agreement where one party provides capital while the other provides labor and management skills, with profits shared between the parties according to a predetermined ratio.
2) In mudarabah, the capital provider is called rabb-ul-maal and the manager is called the mudarib. The mudarib manages the business while the rabb-ul-maal does not interfere.
3) Mudarabah can be used by Islamic banks for investment purposes and financing projects, businesses, and private equity through profit-sharing with entrepreneurs. Deposits from customers to banks are treated as rabb-ul-maal funds to be invested by the bank as mudarib.
Undang-undang Perbankan Islam di MalaysiaAzim Ismail14
Undang-undang Perbankan Islam di Malaysia
Law in Islamic Banking
IFSA 2013
IBA 1983
Bank Islam
Maybank Islamic
Tabung Haji
Financial Service
Pengenalan Fiqh Mualamat
Praktis Fiqh Mualamat
Islami banking
Islamic Finance
Islamic economics
Bank Islam
Maybank Islamic
1. Fatwa sering berbeza antara negeri di Malaysia disebabkan pelbagai faktor seperti perlembagaan, struktur jawatankuasa, dan latar belakang akademik.
2. Perbezaan fatwa boleh menyebabkan kekeliruan masyarakat dan melemahkan autoriti fatwa.
3. Ia juga boleh mencetuskan konflik perundangan jika satu negeri mengharamkan sesuatu yang dihalalkan negeri lain.
Dokumen ini membahas tentang konsep saham fardhu dalam hukum Islam, termasuk perbandingannya dengan asal masalah, konsep 'aul dan rad, serta contoh-contoh masalahnya. Dibahas pula tentang proses pengiraan tashih untuk menghindari pecahan saham.
Dokumen tersebut membahasakan konsep ijarah dalam ekonomi Islam. Ijarah adalah kontrak sewa yang mengharuskan pembayaran uang sewa dan memenuhi syarat-syarat tertentu seperti kesepakatan kedua belah pihak, keadaan barang yang disewakan, dan manfaat yang diterima. Dokumen tersebut juga membandingkan ijarah dengan ji'alah dan menjelaskan unsur-unsur penting ekonomi Islam.
This document discusses shariah audits of Islamic businesses. It describes that a shariah audit involves an unbiased examination of all aspects of a business according to Islamic law. The benefits of a shariah audit include increased productivity and profits by minimizing expenses and employee turnover. A shariah audit also pleases Allah by avoiding disobedience in business practices. The audit process involves signing an NDA, collecting policy documents, discussing policies with management, providing alternative Islamic solutions, and training employees. Examples of issues found include profit distribution ratios and sales practices. The compensation for a shariah audit is an investment that provides knowledge and is considered a ongoing charity.
The document discusses the issue of Bai Bithaman Ajil (BBA) contracts as used in Islamic financing in Malaysia. It summarizes the conceptual model of BBA, which involves the deferred payment sale of an asset from a seller to a purchaser. The document then discusses 5 previous court cases related to BBA and the legal issues they raised. The cases analyzed whether the BBA structure qualified as a legitimate sale contract under Shariah or resembled interest-based financing. The document concludes by noting the Malaysian government strengthened regulations on Islamic finance to address legal uncertainties surrounding BBA raised by the court cases.
ISLAMIC HOUSING FINANCING AND CONVENTIONAL HOUSING LOAN BY BANKSan nur
Hong Leong Islamic Bank and Hong Leong Bank are compared to highlight the differences between Islamic financing and conventional loans for housing. Islamic financing is based on Shariah law and prohibits interest, using structures like diminishing Musharaka instead. Conventional loans use interest and a debtor-creditor relationship. For housing, Islamic financing typically uses Musyarakah Mutanaqisah and Bai Bithaman Ajil, which set a maximum selling price rather than variable interest. While computations are similar, Islamic financing provides more certainty in payments and treats early settlement fees more fairly compared to conventional loans.
Dokumen tersebut membahas tentang definisi perundangan menurut agama dan hukum, sumber perundangan pada zaman Rasulullah SAW dan sahabat, serta perkembangan perundangan pada zaman pembukuhan dan imam mujtahid.
This document defines and discusses the concept of Qardh al-Hassan (benevolent loan) in Islam. It provides definitions, evidence from the Quran and Hadith, the pillars and conditions of Qardh, objectives of Qardh al-Hassan, and modern applications. Qardh al-Hassan refers to a loan given freely without interest or preconditions for repayment, with the debtor optionally giving more than the principal amount after settlement out of goodwill.
A lil bit sharing of presentation of Malaysian entrepreneurship (Tan Sri Azman Hashim) made for Entrepreneurship BPME 1013 course that I'm taking in UUM Sintok..please enjoy yourself..have a cup of tea.. :)
The document defines decision making as selecting a course of action to deal with a problem by choosing from at least two alternatives. It describes two types of decisions - programmed decisions which are routine and follow rules, and non-programmed decisions which deal with unique problems. The document also outlines four conditions for decision making - certainty, risk, uncertainty, and ambiguity - and lists the typical four steps to decision making as investigating the situation, developing alternatives, evaluating alternatives to select the best one, and implementing and following up on the solution. It briefly mentions group decision making as another type.
This document defines controlling, quality, total quality management (TQM), and discusses the key aspects of an effective control system and the main ideas of TQM. It defines controlling as assuring actual activities conform to plans, monitoring performance, and taking corrective action. There are three types of control: pre-action, steering, and screening control. An effective control system is accurate, timely, objective, flexible, and utilizes corrective action. Quality is meeting or exceeding customer expectations. TQM is a commitment to continuous improvement through teamwork and a customer-focused approach. The five pillars of TQM are also discussed.
This document discusses three major leadership theories: the Great Man theory which believes that leaders are born not made, the behavioral theory which examines leadership behaviors and styles, and the contingency theory which proposes that leadership style depends on the situation. The behavioral theory identified two leadership functions - task-related and group maintenance - which can generate task-oriented or employee-oriented leadership styles. The contingency theory aims to identify which leadership styles are most effective depending on the situation.
The document discusses several theories of motivation including need theory, process theory, and reinforcement theory. It also examines Herzberg's two-factor theory of motivation and hygiene factors that cause dissatisfaction versus motivation factors. Additionally, the document outlines theories like expectancy theory, equity theory, and reinforcement theory and their implications for motivating employees.
Planning involves determining objectives and strategies to achieve goals. It provides direction, encourages innovation, guides decision making, and facilitates control. Planning is important for organizations as it identifies courses of action, efficiently utilizes resources, and determines opportunities. There are different types of plans including strategic plans and operational plans. Strategic plans are long-term plans made by top management to determine overall objectives and how to achieve them, while operational plans direct day-to-day operations to accomplish strategic objectives. Barriers to effective planning include lack of commitment, unclear objectives, failure to understand scope, and lack of management support. These barriers can be overcome through organized, clear, and participatory planning.
Communication is defined as the process of exchanging information through sending and receiving. There are two main channels of communication in organizations - formal and informal. Formal communication refers to the official channels used within and outside an organization, including vertical downward and upward communication as well as lateral communication between departments. Informal communication passes job-related or personal information between individuals through single-strand, gossip, probability, or cluster methods.
Organizing involves structuring relationships between people, work, and facilities to achieve goals. An organizational structure establishes the framework for how managers and subordinates operate. Work is divided among members and grouped according to similar activities and specialist workers to achieve objectives. An organization chart illustrates key aspects of structure including division of work, management hierarchy, work nature, work grouping, and management levels. Organizations determine span of management as either wide (flat) or narrow (steep) and departmentalize by function, product, geography, customer, or matrix. Authority refers to the right to make decisions and direct subordinates' work.
1. NAMA : NUR SYAHDIANA BINTI
SUHUD
NO MATRIK : DPI2017/060740
DIPLOMA PERBANKAN ISLAM
/SEM 4
SEKOLAH PENGURUSAN SAINS &
SOSIAL
2. PENDAHULUAN DAN LATAR BELAKANG EN. HAJI RAZLI RAMLI
En. Haji Razli Ramli adalah salah seorang Penasihat Utama Perniagaan Syariah di Institut
Perbankan & Kewangan Islam Malaysia (IBFIM). Razli Ramli membawa bersama beliau
selama 25 tahun pengalaman dalam perbankan dan kewangan, dengan 18 tahun dalam
kewangan Islam.
Penguasaannya terletak pada transformasi operasi perbankan tradisional menjadi operasi
patuh Syariah. Sumbangan pertama beliau kepada industri adalah pelaksanaan Bahagian
Perbankan Islam di bank berasaskan Cina di Malaysia.
Beliau kemudiannya terlibat dalam pembangunan dan pelaksanaan produk pembiayaan
berasaskan Syariah di banyak institusi termasuk salah satu institusi kewangan terbesar di
negara ini. Sebelum menyertai IBFIM, beliau dilantik sebagai setiausaha Majlis Penasihat
Shariah institusi kewangan terkemuka.
En. Haji Razli Ramli adalah salah seorang Penasihat Utama Perniagaan Syariah di Institut
Perbankan & Kewangan Islam Malaysia (IBFIM). Razli Ramli membawa bersama beliau
selama 25 tahun pengalaman dalam perbankan dan kewangan, dengan 18 tahun dalam
kewangan Islam. Penguasaannya terletak pada transformasi operasi perbankan tradisional
menjadi operasi patuh Syariah.
Sumbangan pertama beliau kepada industri adalah pelaksanaan Bahagian Perbankan
Islam di bank berasaskan Cina di Malaysia. Beliau kemudiannya terlibat dalam
pembangunan dan pelaksanaan produk pembiayaan berasaskan Syariah di banyak
institusi termasuk salah satu institusi kewangan terbesar di negara ini. Sebelum menyertai
IBFIM, beliau dilantik sebagai setiausaha Majlis Penasihat Shariah institusi kewangan
terkemuka.
3. TULANG BELAKANG ATAU SOKONGAN
• Salah satu daripada beberapa kawan yang sentiasa dalam
pertempuran untuk mempromosikan, menjelaskan dan
mewujudkan kesedaran tentang Perbankan Patuh Syariah ialah
Haji Razli. Kami telah saling mengenali antara satu sama lain
untuk agak lama tetapi tidak dapat bertemu kerana dia telah
berpindah dari perlumbaan tikus Islam ke dalam fungsi yang lebih
akademik di IBFIM dan jadual kami tidak akan membenarkan
perjumpaan santai seperti itu. Banyak kali saya melihat siarannya
di FB menerangkan konsep, sejarah dan peristiwa. Dan dia
menjawab soalan-soalan yang diminta oleh pembacanya secara
langsung, dengan cara yang mudah.
• Oleh kerana saya tidak dapat menjejaki segala yang berlaku, saya
sentiasa mempunyai keinginan untuk "memotong & paste" dari
posnya. Tetapi saya tidak dapat menampung jumlah respons yang
diberikannya, jadi saya meminta anda untuk mencari jalan ke
laman FBnya untuk mengikuti dan menyiarkan soalan. Dia
biasanya memberi respons kepada mereka.
4. AUDITOR SYARIAH DALAM INDUSTRI
KEWANGAN ISLAM
• Satu posisi yang penting dalam industri kewangan Islam
adalah auditor Syariah. Kita mungkin biasa mendengar
‘Penasihat Syariah’ berbanding ‘Auditor Syariah’.
• Auditor Syariah dalam industri kewangan Islam?
• Dalam bahasa yang mudah, auditor Syariah akan menyemak
semua transaksi kewangan Islam sama ada mematuhi garis
panduan yang ditetapkan oleh Syariah ataupun tidak.
• Walaupun tugas dan tanggungjawab auditor Syariah
mencabar, namun ia juga menyeronokkan. Banyak
pengetahuan dan pengalaman yang boleh diperolehi. Tetapi
sebelum itu.
5. SYARAT UNTUK MENJADI AUDITOR SYARIAH DALAM INDUSTRI KEWANGAN ISLAM
Tuan Haji Razli Ramli, Senior Managing Adviser di Islamic Banking and Finance Institute
Malaysia (IBFIM) berkongsi pendapat beliau jika seseorang mahu menjadi auditor
Syariah dalam industri kewangan Islam. Beliau menulis di laman sosial facebook:
Untuk para auditor:
Membuat kerja review ke atas transaksi kewangan Islam sebenarnya mudah sahaja. Apa
yang saudara saudari perlu ada ialah:
Kuatkan “Fundamental of Shariah” saudara saudari.
Study dan fahamilah Shariah Governance Framework (SGF) oleh Bank Negara Malaysia
(BNM).
Secara peribadi, saya melihat syarat yang pertama sangat-sangat-sangat penting. Ilmu
Syariah ialah ilmu mengenai bagaimana hendak mengetahui hukum-hakam yang
ditetapkan oleh Allah subhanahu wa ta’ala kepada para hambanya, melalui al-Quran
atau sunnah Nabi Muhammad sallallahu’alaihi wasallam sama ada sunnah tersebut
berbentuk perkataan, perbuatan atau pengakuan.
Ilmu Syariah ialah asas. Apabila tapak yang dibina kukuh, binaan di atasnya juga akan
stabil, Jika tapak tidak kuat, rumah besar yang bermula dengan sekecil bata boleh hilang
dalam sekelip mata.
6. ASAS KEWANGAN ISLAM OLEH HAJI RAZLI RAMLI
• Sistem kewangan Islam terdiri daripada perbankan, takaful, pasaran modal
Islam dan pengurusan harta.
• Yang membezakan sistem kewangan Islam daripada sistem kewangan sedia
ada ialah sistem kewangan Islam WAJIB menepati kehendak Syariah,
manakala sistem kewangan yang satu lagi tidak wajib menepati kehendak
Syariah.
• Syariah itu ialah undang-undang Islam.
• Undang-undang Islam bersumber kepada Al Quran dan Sunnah.
• Oleh itu sistem kewangan Islam bersumberkan kepada Al Quran dan Sunnah.
• Sistem kewangan Islam adalah subset kepada sistem ekonomi Islam.
• Objektif sistem ekonomi Islam adalah mencapai maqasid Syariah yang lima.
• Penjagaan agama. Penjagaan nyawa. Penjagaan keturunan. Penjagaan harta.
Penjagaan akal.
• Ekonomi Islam subset kepada muamalat, yakni, aktiviti-aktiviti antara manusia.
• Muamalat (bersama akidah) adalah subset kepada Islam, agama Allah yang
shumul.
7. PENCAPAIAN HAJI RAZLI RAMLI
• Haji Razli Ramli mempunyai pengalaman lebih daripada 20 tahun dalam bidang kewangan
Islam. Kepakaran beliau adalah menjalankan transformasi operasi perbankan tradisional
kepada operasi perbankan patuh Syariah.
• Di bawah kendalian beliau di jabatan Penasihat Perniagaan Syariah di IBFIM, telah
dianugerahkan Firma Penasihat Terbaik, CPI Financial Dubai untuk tahun 2012 dan 2013.
Beliau sekarang berkhidmat sebagai Ketua Penasihat, Jabatan Penasihat Perniagaan –
Syariah di IBFIM. Beliau merupakan tenaga pengajar yang berpengalaman dan telah
dijemput untuk berkongsi pengalaman praktikal beliau di luar negara seperti Rusia, Eropah,
Timur Tengah, ASEAN, China dan Hong Kong.
Beliau turut menulis beberapa buah buku Bersama seperti :
• Islamic Hire-Purchase (Ijarah Thumma Al-Bai’ – AITAB): The Handbook bersama Hasleenda
Onn.
• Islamic Banking Practices From the Practitioner’s Perspective bersama Mohammad Khairi
Saat & Haryani Aminuddin.
• Islamic Banking Recovery Process bersama Amirullah Haji Abdullah.
• Issues in Islamic Finance From The Practitioners’ Perspective bersama Mohd Nasir Ismail &
Ahmad Zakirullah M. Shaarani.
• Understanding Islamic Capital Market bersama Zairulnizad Shahrim.