Pandangan anda tentang ketidak halal ASB oleh sesetengah Mufti / Majils Fatwa

mat403

Diazuddin, Zubair Hassan tak de ajar ke ?
Dr Azmi pun ok gak.. masa mengajar FM dulu, dia baru balik n first time mengajar.. gabra gak aku tengok dia.
Obai dulu famous as a killer lecturer..

mat403

Tu la aku tak faham kenapa PNB tak de panel syariah..
kadang 2 aku tgk goverment gunakan PNB n EPF sebagai proxy utk beli saham2 yg berpentingan like Maybank, CIMB n byk lagi.

cakna

Originally posted by kirawang at 23-4-2007 09:08 PM



OOOIITTT,,,bro, kau terer jugak yee bab U trust ni...Kau tak nak jadi agent ke....

tak de lah Wang,..aku jadi salah sorang client kau cukup lah....

Kau tak nak komen dengan argument ttg UT ke? kau kan master dalam UT

wang, fund baru kau tu ada free 1% bonus lagi ke...?

[ Last edited by  cakna at 23-4-2007 10:24 PM ]

mantan

semua saham amanah PNB tak diisyhtihar haram oleh majlis fatwa sebab ada ikhtilaf pendapat mufti setiap negeri...dalam hal pelaburan PNB ni ada mufti kata harus sebab walaupun ada UT, tapi tak semua org mampu utk beli UT sebab pelaburan minima yang tinggi i.e. RM500@RM1000 sedangkan kalau cam ASB tu minima untuk buka akaun RM10, then untuk pelaburan tambahan RM1. Jadi pelaburan ASB/ASW/ASN/didik semua tu diharuskan untuk kepentingan ekonomi umat Islam terutamanya yang berpendapatan rendah.

P Pinang,Sarawak antara negeri ASB difatwakan sebagai harus. Aku rasa cam penah baca somewhere Perak pun cakap harus tapi tak jumpa pulak dalam e-fatwa jadi aku tak letak Perak. Bila dah harus, dividen, bonus kena bayar zakat & boleh guna untuk mengerjakan haji.

Bagi negeri Terengganu, saham amanah PNB adalah haram. Selangor pulak tidak diharuskan. Jadi takleh guna dividen/bonus untuk haji atau bayar zakat.

Apapun terpulang ler pada diri sendiri....sebab dalam prospektus PNB memang terang2 la ada few companies yg sepatutnya PNB tak invest tapi dia invest jugak. Kawan aku penah la bertanya kat org PNB pasal ni, selamba saja dia ckp>>sebab skim ni ada jugak yg non-muslim jadi kalau tak suka boleh kira berapa percent investment kat company yg syariah non-compliance tu then pepandai asingkan sendiri duit utk disedekahkan....last2 kawan aku mmg tak masuk langsung PNB nyer saham amanah...dia cuma beli UT saja

Ok tu utk kes fatwa kat mesia.

Kalau refer pada Islam Online, ada beberapa soalan berkenaan mutual fund ni, aku copy paste direct je ler ye n kasi link nanti
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Satu: http://www.islamonline.net/servlet/Satellite?pagename=IslamOnline-English-Ask_Scholar/FatwaE/FatwaE&cid=1138109412785
Soalan:
I have a query that concerns investments. Is it haram for a Muslim to invest in Unit Trusts or to buy shares of companies, even if those companies are not dealing with things that are clearly haram such as alcohol? This has been on my mind quite a lot lately and I would really appreciate a clear reply so that I may put the matter to rest once and for all. Thank you.
Jawapan:
Responding to the question, the Islamic Religious Council of Singapore, states the following:

Thank you for your query. We commend your effort to seek the truth in the religion.
Investment in any company, whether it be in the form of stocks, shares, unit trust, etc., is halal as long as the following conditions are met:
1. The company does not deal in haram matters, such as alcohol, porcine products, weaponries, music and entertainment, non-Islamic faith-based projects, and wanton destruction of flora and fauna.
2. The company does not involve in any oppression against humanity, especially Muslims.
3. The investment instrument itself does not contradict Islamic Law.
We would like to advise you to check the company thoroughly, or check market sectors you would like to invest in before making any commitment.
We hope that this reply answers your question. Please continue to seek religious knowledge at mosques or by reading authentic materials.

Yg kedua ni pulak, soalan daripada org tinggal ni negara yg pemerintahnya bukan muslim jadi berhadapan dengan masalah ni ..kalau tak invest terus la takleh kumpul harta, sebab tu kalau tengok jawapan dia lain sikit...ada relaxation allowance kan...pada pendapat aku hujah ni yg digunakan dalam mengharuskan asb tu oleh sesetengah negeri

http://www.islamonline.net/servlet/Satellite?cid=1119503545150&pagename=IslamOnline-English-Ask_Scholar%2FFatwaE%2FFatwaEAskTheScholar
Soalan:

First of all I would like to tell you that I currently live in Canada. My question is regarding mutual funds. Here almost all of the mutual funds have some portion (from 1 - 15%) of their portfolio invested in cash or bonds, even though they might be focused at high tech industry or petroleum sector. For example, royal bank of Canada's Royal Energy Fund has portfolio distribution like this 79.8% Canadian equities, 10.8% US equities, 9.4% cash. So this 9.4% could be invested in bonds (which gives out interest). In this situation although the primary focus of this fund is not interest-based companies but a portion of its profit (9.4%) comes from interest-based investment. So in this situation is it allowed for a Muslim to invest in such kind of mutual fund? Thanks for your time in advance.

Jawapan dari Mufti Monzer Kahf:
In his response to your question, Dr. Monzer Kahf, a prominent economist and counselor states:

Investment in mutual funds is like investment in individual stocks in according to the criteria of permissibility of owning and trading. The principle is that a Muslim must not own any stock in a company whose management, because it acts on the basis of authorization from shareholders, may do any forbidden action for the company.

But since this poses considerable hardship on many Muslims, who have small amounts of money to invest, a few `Ulama (scholars) argue that such hardships call for relaxation. They suggest certain criteria, essentially: main activity must be permissible (i.e., conventional banks, weapon industry in the Western countries and environmental damaging industries are ruled out); interest and other prohibited income must not be more than 10% of the company net income; use of assets in interest-based activities must not exceed 33%; leverage, i.e., dependence on loans must not exceed 50% of total net worth, and that one must always estimate the percentage of gains accrued from those prohibited minor activities and give an equivalent amount to Muslim charities and Islamic general causes such as helping occupation resistance in occupied Muslim land.

The same criterion applies to mutual funds; the percentage of cash you mentioned is within acceptable limits, but you must add to it the percentage of non-permitted activities of the companies that make the 90.6% of the assets of the funds. If the total does not exceed one third, you are OK provided you designate and actually give away an equal amount to Muslim charity and general Islamic causes because this minor gain is not lawful from Shari'ah point of view.

[ Last edited by  mantan at 24-4-2007 07:01 AM ]

mantan

Originally posted by shahgti at 23-4-2007 10:17 AM


aku ingin cadangkan  saudara mantan, mat403, atau pun kabukiman jadi MOD baru board ni.

aku pun org baru gak

kirawang

Originally posted by mat403 at 23-4-2007 09:35 PM
Diazuddin, Zubair Hassan tak de ajar ke ?
Dr Azmi pun ok gak.. masa mengajar FM dulu, dia baru balik n first time mengajar.. gabra gak aku tengok dia.
Obai dulu famous as a killer lecturer..

sorry lah Mat...

Aku hanya ingat lecturers yang bagi aku A atau A+ sahaja...

kirawang

Originally posted by cakna at 23-4-2007 10:22 PM



tak de lah Wang,..aku jadi salah sorang client kau cukup lah....

Kau tak nak komen dengan argument ttg UT ke? kau kan master dalam UT

wang, fund baru kau tu ada free 1%  ...

comment arguments? no lah..tp kau punya knowlwdge.. not bad....walaupon kerja oil and gas..

Dr aku argue, better aku buat proposal kepada semua mufti mufti untuk Invest dengan aku..mufti2 ni duit banyak woo..(salah sorang mufti akan invest very soon dengan salah sorang agent aku)

tak yah jadi Paranoid, we have to learn to respect and trust our syariah appointed.

Btw, fund baru masih ada, dan kau bila nak balik ke KL?

kirawang

mantan, very interesting and beneficial article..pinjam nak highlight..

Originally posted by mantan at 24-4-2007 06:39 AM
semua saham amanah PNB tak diisyhtihar haram oleh majlis fatwa sebab ada ikhtilaf pendapat mufti setiap negeri...dalam hal pelaburan PNB ni ada mufti kata harus sebab walaupun ada UT, tapi tak se ...semua saham amanah PNB tak diisyhtihar haram oleh majlis fatwa sebab ada ikhtilaf pendapat mufti setiap negeri...dalam hal pelaburan PNB ni ada mufti kata harus sebab walaupun ada UT, tapi tak semua org mampu utk beli UT sebab pelaburan minima yang tinggi i.e. RM500@RM1000 sedangkan kalau cam ASB tu minima untuk buka akaun RM10, then untuk pelaburan tambahan RM1. Jadi pelaburan ASB/ASW/ASN/didik semua tu diharuskan untuk kepentingan ekonomi umat Islam terutamanya yang berpendapatan rendah.

P Pinang,Sarawak antara negeri ASB difatwakan sebagai harus. Aku rasa cam penah baca somewhere Perak pun cakap harus tapi tak jumpa pulak dalam e-fatwa jadi aku tak letak Perak. Bila dah harus, dividen, bonus kena bayar zakat & boleh guna untuk mengerjakan haji.

Bagi negeri Terengganu, saham amanah PNB adalah haram. Selangor pulak tidak diharuskan. Jadi takleh guna dividen/bonus untuk haji atau bayar zakat.

Apapun terpulang ler pada diri sendiri....sebab dalam prospektus PNB memang terang2 la ada few companies yg sepatutnya PNB tak invest tapi dia invest jugak. Kawan aku penah la bertanya kat org PNB pasal ni, selamba saja dia ckp>>sebab skim ni ada jugak yg non-muslim jadi kalau tak suka boleh kira berapa percent investment kat company yg syariah non-compliance tu then pepandai asingkan sendiri duit utk disedekahkan....last2 kawan aku mmg tak masuk langsung PNB nyer saham amanah...dia cuma beli UT saja

Ok tu utk kes fatwa kat mesia.

Kalau refer pada Islam Online, ada beberapa soalan berkenaan mutual fund ni, aku copy paste direct je ler ye n kasi link nanti
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Satu: http://www.islamonline.net/servlet/Satellite?pagename=IslamOnline-English-Ask_Scholar/FatwaE/FatwaE&cid=1138109412785
Soalan:
I have a query that concerns investments. Is it haram for a Muslim to invest in Unit Trusts or to buy shares of companies, even if those companies are not dealing with things that are clearly haram such as alcohol? This has been on my mind quite a lot lately and I would really appreciate a clear reply so that I may put the matter to rest once and for all. Thank you.
Jawapan:
Responding to the question, the Islamic Religious Council of Singapore, states the following:

Thank you for your query. We commend your effort to seek the truth in the religion.
Investment in any company, whether it be in the form of stocks, shares, unit trust, etc., is halal as long as the following conditions are met:
1. The company does not deal in haram matters, such as alcohol, porcine products, weaponries, music and entertainment, non-Islamic faith-based projects, and wanton destruction of flora and fauna.
2. The company does not involve in any oppression against humanity, especially Muslims.
3. The investment instrument itself does not contradict Islamic Law.
We would like to advise you to check the company thoroughly, or check market sectors you would like to invest in before making any commitment.
We hope that this reply answers your question. Please continue to seek religious knowledge at mosques or by reading authentic materials.

Yg kedua ni pulak, soalan daripada org tinggal ni negara yg pemerintahnya bukan muslim jadi berhadapan dengan masalah ni ..kalau tak invest terus la takleh kumpul harta, sebab tu kalau tengok jawapan dia lain sikit...ada relaxation allowance kan...pada pendapat aku hujah ni yg digunakan dalam mengharuskan asb tu oleh sesetengah negeri

http://www.islamonline.net/servlet/Satellite?cid=1119503545150&pagename=IslamOnline-English-Ask_Scholar%2FFatwaE%2FFatwaEAskTheScholar
Soalan:

First of all I would like to tell you that I currently live in Canada. My question is regarding mutual funds. Here almost all of the mutual funds have some portion (from 1 - 15%) of their portfolio invested in cash or bonds, even though they might be focused at high tech industry or petroleum sector. For example, royal bank of Canada's Royal Energy Fund has portfolio distribution like this 79.8% Canadian equities, 10.8% US equities, 9.4% cash. So this 9.4% could be invested in bonds (which gives out interest). In this situation although the primary focus of this fund is not interest-based companies but a portion of its profit (9.4%) comes from interest-based investment. So in this situation is it allowed for a Muslim to invest in such kind of mutual fund? Thanks for your time in advance.

Jawapan dari Mufti Monzer Kahf:
In his response to your question, Dr. Monzer Kahf, a prominent economist and counselor states:

Investment in mutual funds is like investment in individual stocks in according to the criteria of permissibility of owning and trading. The principle is that a Muslim must not own any stock in a company whose management, because it acts on the basis of authorization from shareholders, may do any forbidden action for the company.

But since this poses considerable hardship on many Muslims, who have small amounts of money to invest, a few `Ulama (scholars) argue that such hardships call for relaxation. They suggest certain criteria, essentially: main activity must be permissible (i.e., conventional banks, weapon industry in the Western countries and environmental damaging industries are ruled out); interest and other prohibited income must not be more than 10% of the company net income; use of assets in interest-based activities must not exceed 33%; leverage, i.e., dependence on loans must not exceed 50% of total net worth, and that one must always estimate the percentage of gains accrued from those prohibited minor activities and give an equivalent amount to Muslim charities and Islamic general causes such as helping occupation resistance in occupied Muslim land.

The same criterion applies to mutual funds; the percentage of cash you mentioned is within acceptable limits, but you must add to it the percentage of non-permitted activities of the companies that make the 90.6% of the assets of the funds. If the total does not exceed one third, you are OK provided you designate and actually give away an equal amount to Muslim charity and general Islamic causes because this minor gain is not lawful from Shari'ah point of view.

mat403

hehehe..
tak sangka lak obai boleh bagi A++ kat ko..
ko mesti power giler..

drsalehuddin

aku hairan la..
org pandang bab halal haram ni macam bende remeh jer..
esp kalau melibatkan muamalat seharian.

contoh, kalau ayam sembelih dengan ayam tak sembelih. ayam sembelih harga rm5 seklio, dan ayam tak sembelih harga rm2.50 sekilo. hangpa beli ayam sembelih ke, ayam tak sembelih??

rama (atau semua yg islam) akan jawab.. ayam sembelih
sedangkan, kalau nak kira, boleh save 50% tu kalau beli ayam tak sembelih!!


tapi, bila kita dihidangkan dengan pilihan antara pelaburan yg haram  atau pelaburan yg halal, contoh mcm yg korang bincangkan la.. ramai yg akan opt for pelaburan yg haram/ ragu2/ waswas/ syubhat. alasan? senang nak melabur la, permulaan modal sikit la, untung/dividen tetap la..
tak timbul pulak halal atau haram.
padahal pelaburan yg haram tu, dosanya sama jer dengan makan ayam yg tak halal.
maybe sebab pelaburan haram ni tak nampak sangat keharamannyer kot? atau org islam dah dibasuh betul2 dgn dakyah sekular.. '
islam hanya dalam perkara ibadat jer, tapi bab ekonomi, politik, sosial, tak payah nak ambil yg islam punya'

dua tiga hari lepas, najib siap bagi komen: 'pelaburan dalam PNB ni halal, tak payah nak pertikaikan'. Nak tergelak aku dengar.. jelas sangat tak cerdiknye..

mantan

sebab tu semuanya bergantung pada diri sendiri ler...semua fakta & fatwa dah ada dibentangkan cuma macam aku cakap majlis fatwa kebangsaan takleh nak jadikan untuk nasional sebab bukan semua negeri sepakat....sama jugak ngan kes fatwa hukum merokok pun tak semua negeri sepakat..kalu ikut persatuan ulama malaysia sejak dulu lagi semua saham amanah PNB ni haram...jadi, akhirnya terpulang pada ko ler, pilih je nak yg mana.....cause & effect dia sendiri tanggung la

thread ni timbul sebab najib kuat statement cakap pelaburan PNB halal ke..aku tak perasan sebenarnya news pasal tu...cuma kasi komen saja berdasarkan apa yg aku tau tapi tak sangka najib berani cakap pasal tu sebab sebelum ni semua orang diam saja...PNB pun tak berani kuar statement ckp derang nyer investment syariah-compliance

mamaSarah

thread ni timbul sebab najib kuat statement cakap pelaburan PNB halal ke..aku tak perasan sebenarnya news pasal tu...cuma kasi komen saja berdasarkan apa yg aku tau tapi tak sangka najib berani cakap pasal tu sebab sebelum ni semua orang diam saja...PNB pun tak berani kuar statement ckp derang nyer investment syariah-compliance itulah, memang betul, bila saya dah bc thread nih, baru sedar yg asb nih rupanya meragukan.. lagipun amik loan, pastuh interest rate makin tinggi.. syukur semalam dah hantar surat to maybank nak terminate loan asb tuh... nak mula menyimpan dgn duit sendiri drpd meminjam2 nih... sblm buat kptsn, consult beberapa org terdekat & ada yg pada mulanya membantah kptsn yg saya nak buat, but at last, dpt restu... syukur.... mulanya memang rasa campur baur sebab memanglah asb nih untuk mempertingkatkan ekonomi org melayu... tp bila sekarang ada alternatif lain untuk perbankan syariah... itu yg fikir balik tuh.. walaupun ada yg mengatakan perbankan syariah pun mungkin tidk mengikut kopnsep syariah yg sepenuhnya, tp ianya satu permulaan yg baik.. kalu x mula dr sekarang, bila lagi kan....

[Quote

mantan

Originally posted by kirawang at 23-4-2007 09:05 PM



aku buat MBA kat UIA dan ambik banyak paper Islamic Finance.

Ramai lecturer UIA yang terer bab islamic banking especilly Dr Obaitayulalah, Dr Azmi ( ex org PNB) dllll...

mak aiii hangpa semua ni semua bisnesmen & accountant by training ke...ngeri aku yg tak penah belajar finance ni...aku cuma ada member baru je submit tesis phd pasal islamic finance ke islamic banking ntah...nanti aku cuba risik2

aku cadangkan in future bod ni register koperasi sendiri....yg mana2 being trained dalam bidang boleh la jadi investment manager ...sebagai salah satu alternatif kepada asb/asw, bank rakyat yg dah freeze kemasukan saham & bank persatuan yg kasi max RM5k saja tu...ala2 Grameen Bank gitu

mat403

agree..
paling mudah setup koperasi n put all the money into bank rakyat...
jgn jadi cam koperasi tpt aku la..
1.5% setahun..

cipanbakar

ala mufti tuh pun keje tak halal gak sebab gaji dia government bayar dan government dapat duit antaranye dari cukai arak, genting dan lain2 unsur tak halal. alang2 nak sempit, kasi sempit betul2..

mantan

Originally posted by cipanbakar at 25-4-2007 04:03 PM
ala mufti tuh pun keje tak halal gak sebab gaji dia government bayar dan government dapat duit antaranye dari cukai arak, genting dan lain2 unsur tak halal. alang2 nak sempit, kasi sempit betul2..

sebab tu dalam kaedah penentuan hukum halal haram ni takleh buat sebarangan bila melibatkan ijtihad, kalau yg mmg terang2 ada dalam Al Quran memang senang nak tetapkan..tu pun ada masa melibatkan penafsiran mendalam...jadi kalau dapat kita kaji dulu hukum2 yg ada before buat keputusan..jgn ikut buta tanpa mengkaji terlebih dahulu...bak kata pepatah arab: ikut buta

antara halal dan haram ada yg syubahat, bila syubahat elokla pilih yg halal takut jatuh ke dalam haram...dan yg paling penting kita dah berusaha sedaya untuk mencari yg halal
jadi bila nak buat apa2 investment kaedahnya kena la study jugak jgn ikut ikutan saja...ntah apa2 je aku ni ceramah pepagi rabu

WonBin

ASB memang nyata tidak comply dengan hukum syaraq. Tetapi tidaklah pulak melabur dalam ASB itu haram sampai masuk neraka jahanam.  Saya buat perbandingan. Anda sudah tahu bahawa menonton TV yang mengandungi pelbagai maksiat dan dosa itu sudah tentu bertentangan dengan hukum syaraq, lagipon syaraq menuntut supaya menutup aurat sedangkan dalam TV 99% tidak menutup aurat, namun kenapa anda tetap tengok TV setiap hari? Kasi buang sahaja lah TV seperti Taleban dahulu.

Adalah harus melabur dalam ASB demi kekuatan ummah dari segi ekonomi. Ini kerana ASB masih instrument pelaburan yang terbaik boleh kita dapati di dalam negara secara sah.

Bukanlah niat ASB untuk sengaja pi melabur ke dalam bisnes haram. Sudah menjadi logik, jika anda buat bisnes dalam dunia global yang ada pelbagai jenis bangsa, sudah tentu mustahil untuk cari yang 100%.

Tanpa ASB, melayu akan jadi bangsat. ASB cuma mahu bantu orang melayu yang sudahpon ternyata daif. Jika terdapat suara sumbang yang promote jangan melabur dalam ASB, maka melayu akan jadi bangsa tiada simpanan, bangsa paria, bangsa merempat

WonBin

Kita mahu bantu orang melayu supaya mereka pandai simpan duit dengan 0% risiko. Kita mahu orang melayu ada duit cash. Kita mahu memartabatkan bangsa melayu. Namun ada pulak suara sumbang yang itu haram ini haram. Anda semua ni pengkhianat bangsa Melayu. Anda tak nampak apa kesannya jika habis orang Melayu tak mahu simpan dalam ASB. Mana mereka nak simpan duit? Nak simpan dalam Swiss Cash? Anda cuma tahu cakap sesuka hati namun anda tak tahu kesan yang maha dashat daripada statement itu.

Mana mahu simpan duit ikut cara yang 100% halal? Anda bukak saving account kat bank pon belum halal kerana duit dari semua akaun akan dilaburkan ke tempat yang sama, cuma semasa nak bahagi keuntungan sahaja caranya berbeza.

drsalehuddin

astagfirullah..
balik kepada yg hukum asal sesuatu perkara ialah harus, kecuali ada dalil yg menunjukkan ia haram.
kalau kita tak ada pilihan, maka bolehlah kita katakan darurat dan guna alasan utk meninggikan martabat ummat bla bla bla.
masalahnya sekarang dah ada pilihan antara yg haram dan halal.

dah ada bank yg cuba utk memberi alternatif kepada ummat islam utk bermuamalah secara menepati syariah. guna je lah. tapi kalau hati tu dah hitam dengan noda maksiat, yg haram jugaklah dicarinya..

aku rasa org2 yg menyatakan kebenaran bahawa pelaburan ASB tidak comply dgn syariat tak berniat nak jadi pengkhianat melayu..
masalahnya melayu ni bukan takde duit. tapi BODOH dan TAMAK. kalau takde duit, takkan boleh habih beribu2 dalam swisscash, abfund etc. So tak timbul persoalan sebelum ni bahawa depa tak mampu nak join UT sebab starting tinggi.
tapi tak dinafikan ada golongan org melayu/ Islam yg memang takde duit. so, kalau terdesak sangat nak melabur, ada cenel macam ASB. Tapi NIAT TETAP TIDAK AKAN MENGHALALKAN CARA.
hendak seribu daya, tak nak seribu dalih..

Allah lebih tahu

WonBin

Originally posted by drsalehuddin at 25-4-2007 11:01 PM
astagfirullah..
balik kepada yg hukum asal sesuatu perkara ialah harus, kecuali ada dalil yg menunjukkan ia haram.
kalau kita tak ada pilihan, maka bolehlah kita katakan darurat dan guna alasa ...

Kepada Dr Yang Ariff,

Mufti tidak pulak pernah mengeluarkan fatwa supaya perlu mengeluarkan semua pelaburan daripada ASB sampai licin. Cuma mufti kata, duit itu tidak 100% dari sumber yang bersih. Mahu buat belanja makan minum boleh lah, tetapi untuk pergi ke mekah, carilah duit hasil titik peluh sendiri, paling berkat duit orang yang kerja empat kerat seperti menanam padi, buruh kontrek dan kerja yang halal.

Namun apabila disalah tafsir oleh badut-badut berkelas mentaliti ketiga, rosak suatu bangsa jadinya. sampai mahu keluarkan semua duit daripada ASB.