Assalamualaikum..
lunch tadi aku tdk ke mana2..so amik kesempatan buat research pasal AHB ni..bila dgr something yg mengghairahkan (bkn 23cm ok!) jgn terus grab it without thinking..aku pnh huraikan pasal hukum ASB dlm n3 yg lepas2..so aku mmg dh xlosed account ASB..sbb bila kita dh tau mengenai kesahihan hukum sesuatu tu..wajib utk kita berpegang pada hukum tu especially yg melibatkan halal haram..klu sah haram wajib utk kita menjauhkan diri darinya dan bertaubat..so bila ade plak investment line yg baru yg mana totally sama mcm ASB..harusla aku buat research sdiri even dikatakan patuh syariah..yg membezakan adlh AHB dan ASB adlh AHB property, ASB ekuiti..tapi aku bukan nk sahkan hukum AHB ape ok..ni baru 1st-tier research..more research need to be done before nk confirmkan it is totally syariah complianced...
ok meh aku brief sket pasal AHB ni..how does it works..basically AHB ni lebih kurang mcm kita melabur dlm ASB cuma ni bhgian property (hartanah)..nilai minimum utk kita beli unit pelaburan adlh rm500..dan maybank adlh middle man between investor (kita as org ramai) dan jugak PHB (Perbadanan Hartanah Berhad..ala mcm PNB la kan yg uruskan ASB tu)..kita bole tgk prospektus2 (list asset2 hartanah) yg akn diberi oleh pihak Maybank utk kita tgk potential property yg akn kita invest.tapi penyaluran investment kita ke property mana ditentukan oleh PHB ok..bkn kita yg suka suki nk pilih prospek kita..ok bila korang agreed utk invest, just isi form and then pihak maybank akn sahkan form tu and thats it! you are the investor! hehe..as simple as that..
ok tu pasal how to invest kan..so camne plak nk tau return of investment (ROI)? dividen akn diberi 2 kali setahun..means that once year end closing account, PHB will announce how many % dividen..average 6% - 8%..depends on market la kan..hmm byk jgk kan :) n as we know property investment mmg menguntungkan..ok let say PHB announced 2010 dividen adlh 7%..so dividen tu akn dibahagi 2..means 3.5% diberi pd tgh tahun..and another 3.5% masa year end..ha cenggitu la pembahagian dividen..
ok calculation plak..bermula dgn rm500 paid up capital..dividen akn dikira every month by weekly basis..ni complicated sket ok..let say rm500 korang beli unit tu pada jan..so masuk 1st week feb, investment korang masih lagi rm500 (bring fwd frm jan)..katakan korang withdraw duit korang tu rm200 pada 2nd week feb..so tinggal rm300 kan..means status utk 2nd week feb = rm300..then 3rd week korang masukkan balik duit rm400 & 4th week nothing happen..so to summarized, week 1 = rm500, week 2 = rm300, week 3 = RM700 (400 yg br masuk+300 balance frm week 2)..sooo dividen akn dikira based on nilai terendah pada bulan tersebut on weekly basis..means that jumlah terendah utk Feb adlh pada week 2 which is rm300..then korang pnya dividen adlh dikira based on rm300 utk dividen Feb..then masuk March, 1st week bring fwd balance account korang tu (rm700)..klu week 2 March korang ade masukkan duit katala rm200 so total duit korang = RM900...and klu 3rd & 4th week March xbuat ape2 transaction, ianya kekal la..week 1 March RM700, week 2 March RM900, week 3 & 4 March RM900..so dividen akn kira based on nilai paling rendah which is rm700 (week 1 March)..begitu la seterusnya..paham x?
kan aku ckp ni mcm ASB..which is investment and also saving..tp bezanya korang bole withdraw duit korang sebulan sekali jek..nak masuk no hal la..hehe..utk check balance duit dlm account AHB korang hnya pegi kt kaunter maybank n bg IC..dorang akn check tru system..thats it..TAKDE BUKU ok..
ok settle..la ni few points aku nk highlight which aku rasa agak meragukan syariah compliance nya tu..
1. ape jenis kontrak yg dorang gunakan? aku dh check form yg kita isi utk beli unit pelaburan hanyalah 3 helai kertas application utk isi butir diri and so on mcm nk buka akaun bank baru tu..then just dorang verified slip tu as proof kita dh beli unit AHB..terms & condition langsung xde dlm form tu..terms & condition hnya ada pada buku prospektus yg dorang bg utk kita tgk list of asset utk pelaburan AHB ni..so my arguement..kt mana akad kontraknya yg menyatakan dgn jelas jenis contract pelaburan ni, pembahagian keuntungan dan juga risiko pelaburan yg perlu diketahui oleh pelabur..sume maklumat2 ni penting sebab sbgai pelabur kita xnk terlibat dlm aktiviti gharar/ketidaktentuan...which is Nabi melarang aktiviti muamalat yg gharar..
2. tempat pelaburan..klu ASB, kaunter pelaburan..kalau AHB plak prospektus tadila..klau jenis yg office building mcm bgnan tabung haji, bangunan pos malaysia..kita tau la ok mmg selaamt dr aktiviti2 haram..kalu jenis building yg wisma2 tu camne? let say jenis wisma.dlm wisma tu ade bank, pejabat pos, bar, pusat karaoke yg mana ade melibatkan aktiviti2 yg haram..camno tu?? bkn ke ade keterlibatan sama..?? aku sdiri dh tanya dgn person incharge utk AHB ni berkenaan prospektus ni..dia just jawab rasanya xde tpt2 mcm perjudian ke, kedai arak ke..dia pn was2..ade plak wording 'rasanya' tu..so how? and 1 thing yg dia confident btau aku..mmg xde terlibat dgn riba'..sebab tu patuh syariah..aiyakk..
bila kita ckp pasal investment, rules of islamic investment is apply..kena tau kaedah perlaksanaan, jenis aqad, ke mana duit kita dilaburkan, kaunter/property yg terlibat dlm pelaburan..so klu sume bende ni lulus mengikut syara', then bole la defined as syariah compliance..
anyway..ni hanyala 1st-tier research yg aku buat sdiri..belum mendalam lagi..tp dh terpikir persoalan2 asas..kalu anyone yg ade strong answer bg menjawab persoalan aku ni..u r most welcome to drop a comment n share it wth all..ok :)
kaedah fiqh menyebut:
"sesungguhnya menolak keburukan itu lebih patut didahulukan dari tujuan untuk mendatangkan kebaikan" (Al-Muwafaqat, As-Syatibi, 3/190; Hasyiah S-Syarwani, 3/188)
so..tu je la huraian aku yg panjang lebar ni..semoga kita xleka dgn kekayaan di dunia yg sementara ni..kaya di dunia xbole carry fwd ke akhirat melainkan amalan yg kita jadikan bekalan...
