Perbankan Islam tidak menekan pengguna

TuntungReturn

chaintea posted on 21-10-2014 07:23 PM
Ye ke?
Hmm apsal caj dia lebih mahal ek

kalao ikot uztad bank,ayam sembelih mestilah mahal dari tak sembelih

vespa_oren

musangcomel posted on 21-10-2014 04:40 PM
tau takpe
aku rasa interest aku paling tinggi kot
alasannya kete aku bawah 1.5

Dulu faedah aku 4.1%, skrg tinggal rm4K+ rasa mcm nk bur cash bgi hbs jer

batu kikir

Aku........bila orang akademik dok gebang industri perbanken, apatah lagi Islamic Banking..............aku ptuighhhh kan je. I was one of those..........dalam satu kertas kerja melibatkan Islamic Money Market (IMM) yang akan diperkenalkan in 1990's dan telah dipengerusikan olih the then Naib Gabenor BNM (kendian pernah jadi MOF 2)...........

"we as IMM player with no IMM istruments at the moment...........we can take (selectively) the conventional money market instruments...........then call the Syariah Panel for them to look at ways to justify these instruments from the Islamic perpective".

Itu yang ada IAB di ambil dari BA yang kadar kiraan menggunakan konsep diskaun. 100% serupa.
Islamic Hire Purchase pun sama kiraan dia..........straight line basis.

incrossroad

Nama saja tukar. The core is the same. Interest is interest.

EJALTI

Aku ambik loan rumah dgn bank Islam....
Tukar term jerk.....bagi bunyik2 Islamic sket
Pala hotak dia la tak menekan

babydoll

tentera_laut posted on 21-10-2014 10:36 AM
sebab tu kalau kau tgk.. semua bank ada islamic bank diorang..

maybank islamic.

nk bagi subconscious org ramai yg ohh..islamik.mesti teda riba dan ag bagus..

InVendeTTa

xminat aku bank islam..bank mengarut jah..aritu aku apply loan ntah ape kalulator dia guna..3 bank da approve loan aku 90% tp ikut kalkalulator bank islam,even tolak utang cc bagai and only 70% loan pon xleh lepas min kuota komitmen.mengarut!

musangcomel

vespa_oren posted on 21-10-2014 07:42 PM
Dulu faedah aku 4.1%, skrg tinggal rm4K+ rasa mcm nk bur cash bgi hbs jer

wah bestnya tinggal 4k+ je
klu ada cash baik ko bayar abes je, senang
pasni takyah pk nak bayor utang kete bulan2 lg

nexusys

patutnya mufti2 mesia yang hebak2 tuh, tegur perbankan so called islam nih....

pengecut! benda depan mata, tapi buat2 tak nampak.. menjawab lagi ler korang

tahihidungmasin

Kalau guna fixed profit rate (bukan floating rate a.k.a BFR), tak ada ceiling rate or locked rate (i.e 10% or 12%), so dalam Letter Offer ada state Selling Price which is a Principal plus Profit. Selalu kat sini tak ada isu, pelanggan tak complain pasal dah telus berapa profit rate yang dah diakad.
Cuma bila bank guna Floating Rate BFR, akan ada ceiling rate or locked rate, currently ada bank yang letak ceiling rate at whopping 12%, so Letter of Offer akan state Selling Price = Principal + Profit at 12%.  Some clients ingat memang dah kena charge 12% which indeed is really high. The fact is, in some cases, the actual rate is only at current BFR + Profit margin (such as BFR 6.85% + 1.0%) and the client/borrower has to pay at only this rate.  The Ceiling Rate of 12% is to hedge against the prevailing Profit rate. Contohnya during economic downturn, when the actual BFR is above 12%, the profit is locked at only 12% which is favorable to the client/borrower.  But, for conventional borrowings, if BFR goes to 15% then client/borrower has to pay at 15% profit rate.