AHLI ADFIM TERUS KOMITED

KUALA LUMPUR, 27 Mac 2020: Berikutan perkembangan wabak Covid-19 dan lanjutan tempoh Kawalan Pergerakan, ADFIM ingin memaklumkan bahawa ahli-ahli ADFIM akan terus komited memberikan perkhidmatan, bantuan dan sokongan.

Dalam seminggu ini, Ahli-ahli ADFIM telah memperkenalkan pelbagai program sokongan bagi segenap pelanggan mereka. Selain program moratorium pinjaman/pembiayaan bank, program-program sokongan seperti pengurangan pembayaran sewa, subsidi sewa, penangguhan pembayaran pinajaman pendidikan, pengurangan kadar keuntungan kad kredit dan pelbagai lagi program telah diperkenalkan. Ahli-Ahli ADFIM juga akan terus membuka ruang dan peluang bagi penstrukturan dan penjadualan semula pinjaman, bergantung kepada kelayakan dan situasi pelanggan mereka.

Sehubungan itu, ADFIM menasihatkan pelanggan-pelanggan ahli ADFIM untuk menghubungi cawangan yang berhampiran untuk mengetahui dengan lebih lanjut sebarang kemudahan yang ditawarkan oleh ahli persatuan itu. ADFIM juga mengingatkan pelanggan agar memanfaatkan kemudahan atas talian seperti chat, laman web atau panggilan telefon, selaras dengan arahan Kawalan Pergerakan.

ADFIM juga menyeru seluruh rakyat Malaysia untuk terus bertenang dan bersabar menghadapi ujian wabak COVID-19 ini. ADFIM komited untuk bekerjasama dengan Ahli ADFIM bagi membantu mengurangkan beban pelanggan yang terkesan dengan wabak ini.

PERKHIDMATAN AHLI ADFIM AKAN TERUS BEROPERASI

KUALA LUMPUR, 17 Mac 2020: Berikutan pengumuman oleh YAB Perdana Menteri berhubung wabak Covid-19, ADFIM ingin memaklumkan Persatuan Institusi-Institusi Pembangunan Kewangan Malaysia (ADFIM) menyahut saranan kerajaan dalam Perintah Kawalan Pergerakan.

Ahli-ahli ADFIM telah mengambil langkah-langkah sewajarnya untuk mengekang penularan wabak ini bagi menjaga kesihatan dan keselamatan pelanggan dan juga pekerja. Antara usaha yang telah dilaksanakan termasuk menyediakan hand sanitizer, memeriksa suhu badan, memperkenalkan pembahagian tugas bagi mengurangkan pekerja di pejabat, serta melaksanakan waktu pergerakan anjal dan konsep bekerja dari rumah. Segala usaha ini dilaksanakan tanpa menjejaskan kualiti perkhidmatan organisasi tersebut.

Sehubungan itu, ADFIM juga ingin memaklumkan bahawa Institusi Kewangan yang menjadi ahli ADFIM akan terus beroperasi seperti biasa. Segala perkhidmatan atas talian, kaunter dan juga cawangan-cawangan organisasi akan terus dibuka bagi pelanggan melaksanakan urusan kewangan. Pelanggan dan rakyat secara umumnya boleh terus menikmati perkhidmatan institusi tersebut termasuk akses kepada ATM, kemudahan pembiayaan, perbankan atas talian dan perkhidmatan kewangan yang lain.

Institusi kewangan yang akan terus beroperasi dan memberikan perkhidmatan adalah Agrobank, Bank Pembangunan Malaysia Berhad, Bank Simpanan Nasional, Bank Rakyat, SME Bank, Credit Guarantee Corporation (CGC), Malaysian Industrial Development Finance (MIDF), Sabah Development Bank Berhad, Sabah Credit Corporation dan Development Bank of Sarawak Berhad.

ADFIM juga menyeru seluruh rakyat Malaysia untuk terus bertenang dan bersabar menghadapi ujian wabak COVID-19 ini. ADFIM komited untuk bekerjasama dengan Ahli ADFIM bagi membantu mengurangkan beban pelanggan yang terkesan dengan wabak ini. Pelanggan-pelanggan ahli ADFIM juga dinasihatkan untuk menghubungi cawangan yang berhampiran untuk mengetahui dengan lebih lanjut sebarang kemudahan yang ditawarkan oleh ahli persatuan itu.

Press Release Kawalan Pergerakan – BM_Edited 20200317 1930

Islamic Management: Meetings and Consultation (3)

Continuing from our previous discussion, we gave examples of consultations of leaders with experts and those who were seniors.

However, seniority and experts weren’t the only group that Saidina Umar r.a. sought advice. Saidina Umar r.a. started to add younger people to the gatherings too, because he knew that the elders were approaching the end of their lives and would soon go to their Lord and His mercy and forgiveness, and the state needed to renew its manpower. The brilliant `Umar realized this fact and started to choose from among the youth of the ummah those whom he sensed were knowledge and pious. `Abdullah ibn `Abbas was one of the first of them, and `Umar continued to choose some of the youth of the ummah as advisors based on how much they knew of the Qur`an. `Abdullah ibn `Abbas said:

“Those who were well-versed in Qur’an were the members of `Umar’s council and his advisors, whether they were old or young.”

If at all, leadership through syura helped to develop young leaders. Az-Zuhri said to some young people: “Do not think too little of yourself because you are young, for when `Umar ibn al-Khattab was faced a difficult problem, he would call the young people and seek their advice, relying on the sharpness of their minds.

Women were part of the consultation and meetings and therefore, part of governing the country. Muhammad ibn Sireen said: Saidina Umar used to consult people about matters and he would even consult the women ,and if he saw something in a woman’s opinion that he thought was good, he would follow it. It is narrated that on one occasion he consulted the Mother of the Believers Hafsa r.a. If at all, this should reinforce the opinion on the importance of women in governance or leadership.

The areas of syura at the time of Saidina Umar were many and varied, such as the administrative and political fields, such as the selection of agents and governors, military matters, purely shariah issues, such as determining shariah rulings on whether things were halal or haram, and matters pertaining to courts and the passing of judgements.

For example, with regard to calamities, Saidina Umar practiced a consultative approach towards crisis management. He would assemble the Sahabah and widen the circle of advisors as much as possible, as he did when the plague struck Syria when he was on his way there. News of that reached Saidina Umar when the governors came to meet him in Saragh, which is a place near Syria. The Muhajireen and Ansar were with `Umar, so he assembled them asked them whether he would carry on or go back. They differed concerning that. Some said, “You came out seeking the pleasure of Allah and this should not stop you from carrying on.” Other said: “It is trial and death, and we do not think that you should go and meet it.”

Then he summoned the Muhajireen of Quraysh, and they did not differ concerning the matter, rather they advised him to go back. So Saidina Umar called to the people; “In the morning we will head back.” Abu `Ubaydah said: “Are you running away from the decree of Allah?” He said: ‘Yes. We are running away from the decree of Allah to another decree. Do you think that if you have camels and you go to a valley in which there are two areas, one which is green and one which is arid, if you graze your camels in the green are that is by the decree of Allah, and if you graze them in arid area that is also by the dcree of Allah?” `Abdur-Rahman ibn `Awf heard them and came to them and said: “The Prophet (SAW) said: ‘if you hear that this epidemic is in some land, then do not go there, and if it strikes a land when you are there, do not leave and flee from it.’

What we would like to emphasize is that the caliphate of the Rightly-Guided Caliphs was based on the principle of syura which is derived from the Qur’an and Sunnah. The reign of Saidina Umar was not an isolated case which was something invented solely by him, rather it was one of the principles of the system of Islam.

AHLI ADFIM AMBIL LANGKAH KEKANG PENULARAN NOVEL CORONAVIRUS

KUALA LUMPUR, 5 Februari 2020: Semua 17 organisasi ahli Persatuan Institusi-Institusi Pembangunan Kewangan Malaysia (ADFIM) dinasihatkan mengambil langkah perlu dalam usaha menjaga kesihatan pelanggan dan anggota pekerjanya sekaligus mengekang penularan Wuhan novel coronavirus (2019-nCoV).

ADFIM komited untuk bekerjasama dengan Ahli ADFIM bagi membantu mengurangkan beban pelanggan yang terkesan dengan wabak ini. Pelanggan-pelanggan ahli ADFIM juga dinasihatkan untuk menghubungi cawangan yang berhampiran untuk mengetahui dengan lebih lanjut sebarang kemudahan yang ditawarkan oleh ahli persatuan itu.

ADFIM juga menyeru seluruh rakyat Malaysia, khususnya kakitangan dan pelanggan ahli ADFIM, agar sentiasa merujuk kepada pihak berkuasa berkenaan, terutamanya Kementerian Kesihatan Malaysia, bagi mendapatkan berita dan maklumat yang sahih.

 

Press Release Coronavirus – BM_Edited 20200206 1930

 

 

IR 4.0 and International Security

Emerging technologies transforming international security:

  • Drones: They are essentially flying robots. The United States currently leads in this technology, but the technology is spreading like wildfire and will soon become widely available and more affordable.
  • Autonomous Weapons: Combining drone technology with artificial intelligence, they have the potential to select and engage target without human intervention.
  • Militarization of Space: A new generation of hypersonic glide weapons is also poised to enter into the space domain. This will increase the probability that space will play a major role in future conflicts. This gives rise to concerns that current regulations on regulating space may no longer be sufficient.
  • Wearable devices: They can optimize health and performance under conditions of extreme stress or produce exoskeletons that enhance soldier’ performance, allowing human to carry loads of around 90kg without difficulty.
  • Additive Manufacturing: It will revolutionize supply chains by enabling replacement parts to be manufactured in the field from digitally transmitted designs and locally available materials.
  • Renewable energy: This enables power to be generated locally, revolutionizing supply chains and enhancing capacity to print parts on demand and in even remote locations.
  • Nanotechnology: Nano is progressively leading to metamaterials, smart materials which possess properties that do not occur naturally. It will make weaponry better, lighter, more mobile, smarter and more precise. It will ultimately result in systems that can self replicate and assemble.
  • Biological Weapons: The history of biological warfare is nearly as old as the history of warfare itself, but rapid advances in biotechnology, genetics and genomics are the harbinger of new highly lethal weapons – airborne designer viruses, engineered superbugs and genetically modified plagues.
  • Biochemical weapons: Technological innovation is making the assembly of these weapons almost as easy as a do-it-yourself task.
  • Social media: This technology can also be used to spread malicious content and propaganda. In addition to that, recruitment via these media is easy and prevalent.

Do you agree? Do you want to add to the list?