Dua for Future Husband

Thursday, October 01, 2015



Just keep believing coz Allah knows BEST :)


O Allah, please grant me the one

Who will be the garment for my soul

Who will satisfy half of my deen

And in doing so make me whole

Make him righteous and on your path

In all he will do and say

And sprinkle water on me at Fajr

Reminding me to pray

May he earn from halal sources

And spend within his means

May he seek Allah’s guidance all the time

To fulfill all his dreams

May he always refer to Qur’an

And the Sunnah as his moral guide

May he thank and appreciate Allah

For the woman at his side

May he be conscious of his anger

And often fast and pray

Be charitable and sensitive

In every possible ways

May he honor and protect me

And guide me in this life

And please Allah! Make me worthy

To be his loving wife

And finally, O Allah!

Make him abundant in love and laughter

In taqwa and in sincerity

In striving for the hereafter

Ameen.



This isnt mine.
I got it from Youtube.
Its a beautiful song. 

It could be too good to be true.
But, its okay. 
Just keep praying.
HE's always listening.
:)
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Islamic Finance : An Alternative @ Panacea?

Tuesday, September 15, 2015


Assalamualaikum :)

 Dear all,
After a long break, now I feel like writing.

 Just some sort of discussion about Islamic finance. Is it an alternative or panacea (solution)?


Beforehand, let me give you an interesting analogy (it wasnt originally mine :D)

 You are in a flight from KL to Kota Bharu. The flight attendant asked you " Sir, would you prefer tea or coffee?"

 Let say you prefer coffee. Okay, that is fine. What happen if you choose tea? Of course, it does not matter either. Everyone ought to choose what they like, isn't it? 

 Alright. What if you have to choose between coffee and wine? Then only it will make a big difference. 

 Why? 
Because both tea and coffee is halal and thus allowed to consume but wine is intoxicating and thus prohibited in Islam. 

 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

 In the context of banking today, especially in Malaysia, the conventional and Islamic banking co-exist and is competing with one another. 

 The first Islamic bank established in Malaysia was Bank Islam, in 1983. It was an experimental bank, in which the government want to see whether there would be demands for Islamic banking products and its ability to survive within the conventional environment at that time. After more than 30 years, we can see that the experiment succeeded and more Islamic banks were established and the industry flourished and get attention from industry players globally. Malaysia was also the first country to issue Sukuk.

 Islamic finance does not merely focusing on Islamic banking. It also covers  Islamic capital market and Islamic money market. 

 Okay, let's get back on track. 

 For me, personally I will say that Islamic finance is a solution. It is not an alternative. Hereby, I list my views and you are free to agree or disagree :)

 1. When you mention of the word solution, it means the other party must have its illness or weakness that you want to avoid. In conventional banking, it is undeniable that it operates solely based on riba (interest). Meanwhile, in Islamic finance, we prohibit Riba and we exchanged it with something called profit (though it is also controversial issues regarding the similarity of these two).

 2. The conventional banking does not operate based on real economic activities. It is merely accounting entries. In islamic banking, for personal financing, it is based on Tawarruq contract (commodity murabaha). There is an underlying asset which is crude palm oil (CPO). When you want to sign an agreement, the bank officer will usually ask you to tick the box saying that the bank will  take care of the crude palm oil and not to be sent in real to the you(At least we have the underlying asset). This contract is still new and it replaced the contract of deferred payment(Bay' Bithaman Ajil) which has its own isues. 

 I know you will say that actually in the end, the islamic and conventional bank is actually the same. The profit that the islamic bank charged is just like the interest from a conventional bank. 

 But, you know sometimes we have to accept it and if you do have any better suggestions, go to the relevant authority to voice it out. It is also good to bear in mind that in every Islamic banks, they have a Shariah Board and they are actually responsible in ensuring the end-product is halal and does not resemble riba. As common people who do not get involved in scholars' discussion and issues fatwa, we just be positive and be thiqah with the matters that have been decided by our scholars. 

 3. We must realise that our global economy is operating based on fiat money which is the mother of riba. (I'll discuss it in detail later) Therefore, our dream of having a true Islamic financial system may have some obstacles and struggles but kudos to all stakeholders that has brought Islamic finance this far. 

 I believe that every Muslims want to have the purest banking system and we must believe that the Muslim authorities are trying their best to serve the needs of Muslims (especially in Malaysia). The enactment of Islamic Financial Services Act (IFSA) 2013 has also levelled up the recognition of Islamic banking and finance. 
Wallahua'lam.

 May Allah give us the strength to do good deeds.
May Allah give us good health.
May Allah remove our hardships.
May Allah forgive our sins.
May Allah unite us all in paradise.
Ameen. 









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Short Tazkirah 1.0

Monday, June 22, 2015


Assalamualaikum :)

 Dear all, one short tazkirah for today ^_^

 Ulama' mentioned that we cannot escape from THREE things in our worldly life which is worthy to share.

 1. Death
- This is ultimately true. Allah says in the Quran  "Every soul shall taste death".
- No matter how hard we try or how far we go, death will come to us when it is due.
- Therefore, a wise person is the one who's always prepared for death.
2. Difficulties in life
- Yes. As long as we live, we have to endure hardships and trials.
- Being a student, you have your own difficulties and challenges. i.e: completing assignments before     its due, exams, quizzes 
- Being an employee : Boss , job deadlines, KPI
- Being an employer : Employees,  high expectation, KPI
- Being the citizen of a country : Injustice ruler, lack of welfare service
- Being the servant of Allah : Difficulties in abstaining from the haram things, mujahadah nafs
- The list goes on. The most important is we are doing the right things that are permissible in Islam and remember to put the end vision is akhirah (akhirah mindsetting).
- We pray to Allah to accept our deeds and grant us in the dunya and akhirah. 
3. Safe from people's perception 
-  It is impossible to be liked by all. 
- The best example that can be quoted here is the story of a man with his son and their donkey. 



Ameen
That's all for now.
Ramadhan kareem.
Allahuakram.

 :)
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Road to Ramadhan ^_^

Tuesday, June 09, 2015
Bismillah.

 Alhamdulillah for the blessings of Iman and Islam.
Alhamdulillah :)

 1 Ramadhan 1436H = 18th June 2015.
That's just around the corner.
9 days to go.  
Ameen ;)



 1. Set your goal for Ramadhan

 - Goal: Completed Qur'an recitation once or twice during the Ramadhan @ completed qur'an recitation each week @ every day. Subhanallah. 
- Once you set your goal, you must draft a strategy to realize it. If you want to khatam one time in Ramadhan, then you may divide the number of pages you have to read each day. 
- When you set up a goal, it will boost your courage to have it realized :) In sha Allah

2. List the output you desired.

 Eg: - memorize few surah (specify which surah/short surah or long surah)
       - increase the frequency of sunnah prayers (my naqibah once shared that she aimed            to not leave  any rawatib prayers in Ramadhan and hoped to be consistent in the               coming months)
       - to become a better person (in what way? be specific)
       - to become more generous (how? state it)

3. Welcome the month of Ramadhan with full heart <3
* Ramadhan is not about losing weight, its about losing sins =_=
Ramadhan Kareem.
Allahuakram. 
May Allah give us the chance to meet Ramadhan this year.
May Allah help us to benefit the most from Ramadhan. .
May Allah guide us to the right path.
Amin. 




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Muktamar PAS ke 61

Monday, June 08, 2015
Bismillah.
Alhamdulillah.
Selesai sudah Muktamar PAS yang ke 61 yang berlangsung dari 4-6 Jun 2015 di Kuala Selangor.
Tahniah dan takziah kepada saff kepimpinan sesi 2015-2017. 


Seawal perkenalan dengan jemaah ini yang matlamatnya adalah Daulah Islamiyah, saya menyedari perjalanan menuju ke tahap itu tidaklah mudah. Bahkan payah dan ada pelbagai ranjau onak dan duri yang akan menyekat di sepanjang perjalanan. 
" Kalau apa yang engkau serukan kepada mereka (wahai Muhammad) sesuatu yang berfaedah yang sudah didapati, dan satu perjalanan yang sederhana (tidak begitu jauh), nescaya mereka (yang munafik itu) akan mengikutmu; tetapi tempat yang hendak dituju itu jauh bagi mereka. Dan mereka akan bersumpah dengan nama Allah dengan berkata: "Kalau kami sanggup, tentulah kami akan pergi bersama kamu". (Dengan sumpah dusta itu) mereka membinasakan diri mereka sendiri, sedang Allah mengetahui bahawa sesungguhnya mereka itu orang-orang yang berdusta (tentang tidak sanggupnya mengikutmu)." (At Taubah 9:42)
Sebagai ahli yang baru setahun jagung mengenali perjuangan ini, cukuplah kalau saya nyatakan rasa kagum dan insaf tatkala melihat golongan berusia yang masih lagi teguh bersama jemaah ini. Dalam usia tua mereka, masih lagi istiqamah hadir ke usrah kawasan, kuliah haraki saban minggu dan program-program jemaah yang lain. Mereka kelihatan begitu tulus dan saya percaya telah banyak yang mereka korbankan untuk jemaah ini. Pengorbanan masa, tenaga, wang ringgit dan harta benda. Apalah sangat jika nak dibandingkan dengan kepenatan berjuang di zaman kampus. 
Dengan pelbagai isu label melabel dan berpuak-puak, cukuplah kalau saya katakan saya cemburu dengan keikhlasan para 'amilin yang telah menggerakkan jemaah sekian lama. Bukan mudah untuk istiqamah, tetapi bukan juga mustahil.
Ramai orang ingin mati sebagai pejuang. Tapi, tidak ramai yang turun ke medan dan benar-benar berjuang :'(



Semoga Allah kurniakan kita istiqamah 

 Ya Allah, tunjukkan kami jalan yang Engkau redhai.
Bantulah kami untuk mencapai redhaMu.
Bantulah kami untuk melakukan amal kebaikan.
Bantulah kami untuk mendekatkan diri kepadaMu.

 Amin.



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