31 May 2013

18 May 2013

Happy Birthday Princess!

Zaara Imani Turns ONE!

It's 18 May 2013. Oh I remembered the day, the precious and priceless when my princess came into this world. It was a year ago at 10.13am. I can't remember how pain is the pain, but it was priceless. Happy birthday sayang! Mummy and ayah love you sooo much! Be a good Muslim, be a good daughter and a good human being. Our dua' and prayer will always be with you.

Happy Birthday Princess!

Zaara's birthday celebration was a small family gathering @ queensbay mall Dave's Deli. It was a PORORO themed birthday cake since she was too head over hill with the cartoon (with the influence of atok & nenek since they are living in Korea who bought zaara her 1st pororo soft toy).

(Picture: The PORORO Birthday cake, The Birthday Princess and The present from mummy and Ayah)

Mummy & Ayah LOVE you so much princess!

Mummy <3

29 Jan 2013

Help! The property price is rising!

I have this uneasy feeling in making my desicion of buying a property in PENANG! Alhamdulillah Allah has guided me. The price is rising every seconds. All "cheap" property are selling like hot cakes! I am amazed by how much savings people have in order to buy a house? or is it I am the one who did not have much savings as those people?

I was in Queensbay Mall last weekend. While 'jalan-jalan' I decided to stop at few property booth. The first one is the property nearby D'piazza in Bayan Baru (if I am not mistaken, nearby the Sunshine Square). The price range is from RM450K - RM550K++, but the cheapest price (for smaller sq ft) houses is sold out! Wow (@_@)! The second booth is set up next to JUSCO 1st floor, it was by the Nusmetro (arteS). This property is going to be build in Jalan Bukit Gambir, next to Plaza Ivory (This is nearby USM, what a good area *sigh*), but then again, the starting price is from RM849K++. Haha. Crazy!

From my observation, the price for property in Penang is rising every second.It is too expensive (at least for a middle income earner like me). It's unfair, where the rich become more richer and the poor become more poorer. What happen to Penang, it is because of the democracy or because of bias of the income level?

I need to work hard in order to buy a property in Penang. I believe in the concept of rezk. In shaa Allah when the time comes, I one day will have my dream house too ;)



10 Oct 2012

The love of my life #

Praises to Allah..
I am glad to have my 'small' family..
As a wife..i glad to have my Imam to guide me..
My dear Mohd Azrul..thank you for everything..
As a mother..it is a priceless experienced that i will never trade with anything else..
My princess Zaara Imani..will always be my princess..mummy hope you will be happy and be a good girl when you grow up..insyaAllah :)
Ayah and mummy love you so much Little Zaara..

9 Oct 2012

The new era..

Kids and teenagers nowadays are totally different from my childhood and teenage years..i dont sit at home playing nitendo wii nor ps3..i dont have a fb or twitter account (it used to be myspace & friendster)..but suprisingly..they are more "advance" than me..in a few situation that i observed..i am glad..i mean really glad that i was born in the 80s...
Nowadays enviroment is not safe for kids and teenagers..(it is not safe for everyone perhaps)..its hard to raise a child in this new era..

Sometimes, the 'mat rempit', really make me very sad..i feel bad for their parents..why do u wasting time to rempit and disturbing other people...

So called try hard teenagers with strange fashion also came accross my sight sometimes..poor u..u are still young..yet u are too ambitious..put ur trust in a guy u've met and give him everything..

I feel sorry..but i am glad that i am the 80s baby..
A strong foundation is needed to give these kids and teenagers strength to live in this world...parents should take the responsibilities to raise their children...
I am proud to be born the 80s... ;)


1 Jul 2012

1st anniversary

It has been 1 year and still going strong. Thank you Allah :)

I am happy to have an "Imam" to guide me til Jannah, InsyaAllah.

I love you :)

p/s: you know who you are ;p

22 Dec 2011

Riba (interest): The prohibition or ignorance?

Fundamentally, the word ”Riba” means excess, increase or addition that implies any excess compensation without due consideration.  This definition of Riba is derived from the Quran and accepted by all Islamic scholars.   This academic writing is purposely to study and explore about the issue of Riba in the banking industry neither conventional nor Islamic. This writing is divided into four parts. The first part will explain in depth about the introduction and discuss the background of Riba (Interest). The second part will explain the Riba issue from the Islamic epistemology while the third part will be analyzing the issue from Islamic Tasawur. The last part of this writing will be the conclusion and the recommendation from the writer point of view.
Riba or in other word, interest is known as usury or a fee paid for a borrowed money from the owner. In Islam, Shari’ah has agreed that Riba technically means to the premium that must be paid by the borrower to the lender along with the principal amount as a condition for loan or for extension of maturity.  So basically, Riba has the same meaning as interest. The holy Quran and Hadith also do not make any difference between Riba and interest. Since both Riba and interest shared the same meaning, economically the first attempt to control interest rates is through the manipulation of the money supply. This attempt was made by the French Central Bank in 1847. This is due to the subject of supply and demand of the money supply. From that time and until now, the practice of interest stays in the banking industry.  The modern goals of socio economy are maximizing wealth and profit.  This is why interest plays a very important role in the economy nowadays. In fact, the western world could not think any of the economic system without interest. Western economist describes interest as the rental price or forms of income (profit) made when u loose the power of purchasing by giving other to borrow your money. Many conventional banks nowadays offer loan with interest. Islamic banks also did not escape with the speculation that their financing also come with a very little amount of “permissible” interest.  This issue will continue to rise with no end to stop. As the result, it will impact the society, the Muslims or in the best word, us.
Islam prohibited Riba(interest). It is stated clearly in the holy Quran. Since the holy Quran is the source of guidance in Islam for all Muslims, there is no dispute in the prohibition of Riba. The modern banking system is organized on the basis of a fixed payment called interest. That is why the practices of modern banking system are in the conflict with the principles of Islam as Islam clearly stated that Riba is prohibited. Based on Islamic epistemology, it is undoubtedly stated in the holy Quran that Riba is haram. Allah SWT has mentioned in the holy Quran in several verses about the prohibition and the consequences of Riba.
In the holy Quran, Allah SWT says:
"That which you give as interest to increase the peoples' wealth increases not with God; but that which you give in charity, seeking the goodwill of God, multiplies manifold." (30: 39) (Surah al-Rum, verse 39)
"And for their taking interest even though it was forbidden for them, and their wrongful appropriation of other peoples' property. We have prepared for those among them who reject faith a grievous punishment” (4: 161) (Surah al-Nisa’, verse 161)
"O believers, take not doubled and redoubled interest, and fear God so that you may prosper. Fear the fire which has been prepared for those who reject faith, and obey God and the Prophet so that you may receive mercy."(Surah Al-‘Imran verse 130 -132)
It is strongly and clearly stated in the holy Quran that Riba (interest) is strictly forbidden in Islam. There is supposed to be no question in the prohibition of Riba. But in the modern economic life nowadays, interest has become the major lifeline for all the financial institutions. The users or customers of the financial institutions do not have the knowledge of the prohibition of interest. They are trapped in the attractiveness of the financing advertisement and the needed of the financial services to support and lighten their financial burden. House, car, credit card are the example of the modern life necessities. They need financial institutions to help them to get all these necessities. Thus financial institutions play an important role in every man’s life. The management and the way of doing business should be based on Islamic principle and Shari’ah in order to cater the needs of Muslims society. It is stated clearly that interest is prohibited, but why most of the financial institutions are still using interest to make profit.
This is backed by Hadith from Abu Hurayrah : The Prophet, , said: "Riba has seventy segments, the least serious being equivalent to a man committing adultery with his own mother." (Ibn Majah).

The source of prohibition Riba and the consequences are obviously stated by the holy Quran and Hadith. But the issue in using Riba is still on going without a pull stop.

From the Islamic tasawur point of view, all the decision made by the financial institutions that are still using interest is clearly taken from ‘aql (mind) and rationalism in doing business. The main objective is to maximize profit and wealth. This is opposite with the goals of Islamic socio economic which stated that justice and equitable distribution of income and wealth is the main objective. The rationale of prohibition of Riba is mention in the holy Quran. This is to protect the aqidah of one’s man. Fairness is one of the principles that are use in Islam. Using Riba in the businesses is haram as it shows the attitude of greediness. Western economists will not agree with all the Islamic rules and regulation, but it is slowly accepted in the society. This is because the establishment and the development of Islamic finance. The development of Islamic banks and foreign Islamic banks has showed the world that the Muslims society can live without Riba.
As the conclusion, we all know that Riba is prohibited. Riba is Haram as it is clearly stated in the holy Quran and Hadith. But the issue of Riba will still continue. We cannot stop Riba from growing like a mushroom in the banking industry but we are given the option to choose not to use Riba. The development of Islamic financial institutions can help to solve of this problem. But in the end, we ourselves need to make the decision. Decision should be made by the clear state of ‘aql and with the guidance from the holy Quran and Sunnah. Islam is a complete code of life which offers its own social, political and economic system to guide human in life. So protecting ourselves from Riba is a must. Riba is a mechanism and dangerous weapon that has a power to ruin individuals, enterprises, and nations unfairly. This is unfair and against the nature, so Allah SWT banned Riba very strictly to stop this criminal action. Wallahualam..


Azreen Hamiza