Gesa was really tired after the meeting that took almost 5 hours and then he was going back to his hostel but suddenly that saudi arabian called him and asked cahaya's phone number but he even did not ask gesa's number at all.
Gesa was really really freaking out about that roti canai guy cos he always says everything is ok and exagerrating tell story about him self to everyone. That curry guy said that his age around 24 but all of them are not stupid and blind, Gessa could not stand with that guy anymore and he ran away from him and suddenly met some freakier guys. Gesa met a student who asked something to receptionist,, that girl says, " Could I get the braw...sah,,? the receptionist says, "I beg you parden, mam? that girl says , Braw....sahhh,, the receptionist says, "Oh, you meant brownies? the cakes? you can get in the canteen,, That girl says, "nop,, ok letah..." receptionist says, What did you say , I am latah,, do you wanna fight with me ha?? the girl says, no I say letah,,, Amazingly, the receptionist jump to the top table and challenged that girl to fight with her but gesa tried to hold that receptionist and explained to her that she means about braw,, sah,, is brochure and letah mean later (coz the receptionist is chinese and doesn't know that girl's accent). Eventually, the receptionist gave the brochure to that girl. The girl thanked to Gesa and she introduced her name. Her name is Ozi,, she was born in canada but did her undergraduate in Perth.
Gesa said to himself (what happened to me? what a freak day). His nightmare has not finished yet,, he met someone that was not stop typing his handphone. His voice really soft and the way he walks like a hopeless guy. He came to gesa and asked where gesa lives, gesa says, ''I live in IKUC's Master hostel", that guy says, " my name is Ali, I live there as well, could we go back together?, Gesa says, "my name is Gesa, definately Ali, nice to meet you''. On the way to hostel they did not talk anything but Gesa tried to open the conversation but Ali was really busy typing his gadget and he ignored what Gesa says. Gesa just can talk to himself and dreaming during the trip to hostel.
Continue.....
Gerry octaviano
Monday, May 3, 2010
Sunday, May 2, 2010
The Masters
the next episode is coming soon,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
Release on 7th May 2010
Release on 7th May 2010
Banking Practices in Prophet Muhammad PbAbuh (peace and blessing of Allah be upon him) Era
I am so interested in learning Islamic Banking and Finance. I started by reading some Indonesian's book. Until right now, I am still like a baby in learning this knowledge. Now, I would like to share to you about the history of Islamic Banking.
All of you know the 3 functions of Bank:
1. Accepting deposits
2. Giving Finance
3. Giving Service
The question is whether Bank is new concept in Islam or already exist since Prophet Muhammad PbAbuh????
As we know, Prophet Muhammad PbAbuh well known as al-Amin which means reliable in Makkah citizens for saving their assets (deposits). As a consequence, before he moved (Hijrah) to Madinah, he asked Ali Bin Abu Thalib r.a. to return all of Makkah citizens' assets (deposits) without charging anything. In this concept, the party who are entrusted the assets (depositos) could not use the assets (deposits).
A Prophet Muhammad PbAbuh's best friend (sahabat), Zubair bin al-Awwam r.a., chose did not accept the deposits. He prefer accepted that as a LOAN. Zubair 's action appeared different implication:
1. By taking the deposits (money) as a loan, hence he has right to use it.
2. Since its form is a loan, he obliged to return it intact (not more or less).
In another history, Ibnu Abbas r.a. ever send money to Kufah and Abdullah bin Zubair r.a. sent money from Makkah to Mis'ab bin Zubair's little brother who lived in Irak.
Using check also already well known simultenously with increasing trades between Syam Country and Yemen. In addition, in his reign, Khalifah Umar bin Khattab r.a. used check for paying allowance to them who reserved the right. Besides that, he used the check to take wheat in Baitul Mal that was imported from Egypt. Moreiver, giving finance based on sharing profit such as mudharabah, muzara'ah, musaqah already implemented in the Muhajirin and The Anshar.
It is clear that Banking function already implemented in Prophet Muhammad PbAbuh, eventhough they did not implement all of Banking function. What they did, as follow:
1. Accepting deposits
2. Sending money
3. Giving Finance
In some term in modern Banking are derived from Fiqh, such as credit (giving finance) was derived from qard (giving finance based on trust). Check (a usual tool for transaction in market) for was derived from suq (market).
reference:
Karim, Adiwarman. 2009. Bank Islam Analisis Fiqih dan Keuangan. Jakarta: PT.Raja Grafindo Persada.
by Gerry Octaviano
All of you know the 3 functions of Bank:
1. Accepting deposits
2. Giving Finance
3. Giving Service
The question is whether Bank is new concept in Islam or already exist since Prophet Muhammad PbAbuh????
As we know, Prophet Muhammad PbAbuh well known as al-Amin which means reliable in Makkah citizens for saving their assets (deposits). As a consequence, before he moved (Hijrah) to Madinah, he asked Ali Bin Abu Thalib r.a. to return all of Makkah citizens' assets (deposits) without charging anything. In this concept, the party who are entrusted the assets (depositos) could not use the assets (deposits).
A Prophet Muhammad PbAbuh's best friend (sahabat), Zubair bin al-Awwam r.a., chose did not accept the deposits. He prefer accepted that as a LOAN. Zubair 's action appeared different implication:
1. By taking the deposits (money) as a loan, hence he has right to use it.
2. Since its form is a loan, he obliged to return it intact (not more or less).
In another history, Ibnu Abbas r.a. ever send money to Kufah and Abdullah bin Zubair r.a. sent money from Makkah to Mis'ab bin Zubair's little brother who lived in Irak.
Using check also already well known simultenously with increasing trades between Syam Country and Yemen. In addition, in his reign, Khalifah Umar bin Khattab r.a. used check for paying allowance to them who reserved the right. Besides that, he used the check to take wheat in Baitul Mal that was imported from Egypt. Moreiver, giving finance based on sharing profit such as mudharabah, muzara'ah, musaqah already implemented in the Muhajirin and The Anshar.
It is clear that Banking function already implemented in Prophet Muhammad PbAbuh, eventhough they did not implement all of Banking function. What they did, as follow:
1. Accepting deposits
2. Sending money
3. Giving Finance
In some term in modern Banking are derived from Fiqh, such as credit (giving finance) was derived from qard (giving finance based on trust). Check (a usual tool for transaction in market) for was derived from suq (market).
reference:
Karim, Adiwarman. 2009. Bank Islam Analisis Fiqih dan Keuangan. Jakarta: PT.Raja Grafindo Persada.
by Gerry Octaviano
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