Monday, 29 February 2016

Dealing with hectic student life

Law school is busy, that's a fact. Busy creates stress and stress creates unproductive student. Some people may work better under pressure, yea different people, different way of handling stress, but as for me, stress makes me depressed and i might suicide. Kidding.

So how actually can we deal with the hectic schedule?

It all started with waking up early in the morning, taking breakfast as a kick off. And manage your schedule well. Better if we planned what we wanna do that particular day and make a checklist of them. Hmm i better don't give any advice cause me myself is not productive... most of the time.

TTYL

Monday, 18 January 2016

Keistimewaan Perbankan Islam serta Perbandingannya dengan Perbankan Konvensional

             Perbankan Islam telah diperkenalkan di Malaysia sejak perkembangan Islam di kepulauan nusantara pada abad ke-12. Pada ketika itu, undang-undang Islam dalam perdagangan telah mula mempengaruhi masyarakat tempatan. Selepas negara mengecapi kemerdekaan, permintaan untuk mewujudkan satu institusi kewangan yang halal dan berpaksikan hukum syarak yang telus telah meningkat. Antara bank terawal yang mengamalkan sistem perbankan Islam secara penuh termasuklah Tabung Haji serta Bank Islam Malaysia berhad yang ditubuhkan pada tahun 1983 dan dikawalselia di bawah Akta Perbankan Islam 1983. Sedekad kemudiannya, bank-bank konvensional mengambil inisiatif dengan menawarkan jendela Islamik (Islamic window) dalam urusniaga mereka sebagai contoh, Maybank Islamic, CIMB Islamic dan sebagainya. Di samping itu, suatu inisiatif lain telah diambil oleh pihak Bank Negara Malaysia bagi menggalakkan lagi sistem Perbankan Islam untuk diterima pakai bukan sahaja di Malaysia, malah membawa idea tersebut ke negara asing. Menakjubkan apabila beberapa negara asing turut menerima sistem ini untuk diamalkan dalam sistem perbankan mereka justeru memperlihatkan persetujuan bahawa sistem Perbankan Islam menganjurkan pelbagai keistimewaan. 

            Objektif penubuhan perbankan Islam yang terbahagi kepada dua, iaitu berlandaskan faktor tuntutan agama dan juga faktor keuntungan menjadi suatu ukuran perbezaan sistem ini dengan sistem perbankan konvensional masa kini. Istimewanya, sistem ini mementingkan hukum syariah sebagai garis panduan dalam transaksi perbankan yang dijalankan. Perbezaan sistem perbankan Islam dengan sistem perbankan konvensional boleh dilihat dari pelbagai aspek. Pertamanya, dari segi asas perbankan tersebut. Terdapat beberapa elemen yang membezakan sistem perbankan islam dan konvensional melalui aspek ini seperti, asasnya, sistem perbankan islam dilahirkan melalui wahyu Allah yang bererti sistem ini berlandaskan Al- Quran sebagai sumber utama yang memacu perlaksanaannya. Dalam surah Al- Baqarah, ayat ke 2 telah menyebut bahawa “Kitab Al-Quran ini, tidak ada keraguan padanya dan merupakan petunjuk bagi mereka yang bertaqwa." Berlainan pula dengan sistem perbankan konvensional yang dicipta oleh manusia sendiri maka bila akal dan fikiran manusia yang menjadi asas rujukan, sistem ini terdedah kepada kelemahan dan kekurangan kerana ilmu manusia tidaklah setanding dengan ilmu Allah yang Maha Esa. 

         Seperti yang dianjurkan oleh ajaran hukum syarak Islam yang benar, dan juga berlandaskan sumber utama dalam Islam iaitu Al- Quran, sistem perbankan Islam tidak mengamalkan sama sekali kegiatan riba, gharar dan maysir. Larangan mengenai riba jelas disebutkan dalam Al- Quran di dalam surah Al- Baqarah ayat 275 yang menyebut “ … Dan sesiapa yang mengulangi (mengambil riba) maka mereka itulah ahli neraka. Mereka kekal di dalamnya.” 

Sebagai contoh, dalam kontrak Al- Wadiah iaitu sebuah kontrak apabila pemilik harta mengamanahkan pihak bank menyimpan wangnya untuk tujuan pinjaman semata atau dikenali dalam bahasa konvensionalnya sebagai kontrak deposit bersama pihak bank, pihak bank tidak akan memberikan faedah melalui pinjaman wang tersebut malah wang bonus yang akan diberikan dalam bentuk hibbah berteraskan budi bicara pihak bank setelah menilai lebihan keuntungan yang diperoleh itu dan tidak sama sekali melibatkan riba. Berlainan pula dengan sistem perbankan konvensional, faedah atau keuntungan yang diberikan kepada pemilik harta itu adalah merupakan riba yang seharusnya dilarang oleh hukum syarak.  Begitu juga dengan gharar iaitu suatu kontrak yang mempunyai unsur ketidakpastian dan maysir iaitu kontrak perjudian, kontrak- kontrak sebegini adalah dilarang sama sekali dari segi hukum syarak atas sebab yang diketahui umum iaitu bakal mendedahkan pihak berkontrak kepada penyelewengan serta ketidakadilan. 

             Maka, sistem perbankan Islam adalah melibatkan kontrak-kontrak perniagaan yang dibenarkan di dalam Islam. Antaranya ialah, pertama, kontrak Al- Mudharabhah iaitu suatu kontrak perkongsian untuk mendapat keuntungan yang diwujudkan antara dua pihak, iaitu pemodal dan pengusaha. Seterusnya, keuntungan akan dikongsi bersama berdasarkan persetujuan atau kerugian akan ditanggung oleh pemodal. Selain itu, kontrak Musharakah pula merupakan suatu kontrak persepakatan antara dua pihak atau lebih untuk menggabungkan sama ada modal, kerja atau komitmen dengan sasaran mendapatkan keuntungan. Di samping itu, kontrak Al Ijarah juga turut diamalkan oleh perbankan islam di mana akad sewa atau upah yang melibatkan faedah atau manfaat daripada sesuatu aset atau tenaga kerja dengan bayaran atau upah tertentu dalam tempoh yang dipersetujui. Antara kontrak lain yang diamalkan termasuklah yang berlandaskan syariah Islam seperti Bai As- Salam dan juga Bai Al- Istisna’. Kontrak-kontrak perniagaan halal ini adalah menjadi suatu alternatif kepada sistem perniagaan riba yang ada di dalam bank Konvensional yang diamalkan pada masa kini agar dapat megikut anjuran hukum syarak yang sebenar.

           Dari aspek hubungan antara pihak bank dan juga pemberi amanah itu sendiri, perbezaan ketara jelas didapati di mana dalam perbankan Islam, hubungan antara pihak bank dengan pemberi amanah itu dibentuk melalui transaksi jual beli, pelaburan atau perkongsian untung rugi. Manakala, hubungan di antara pihak bank konvensional dengan pelanggan  terbentuk daripada transaksi pinjaman atau hutang. Seterusnya, mengenai urusan zakat pula, dalam sistem perbankan islam, adalah merupakan satu tanggungjawab sosial pihak bank untuk terlibat dalam pembayaran zakat di mana dalam sistem perbankan konvensional, tiada peruntukan untuk pengeluaran zakat ditetapkan. 

             Tidak lupa juga, suatu transaksi yang selamat, bebas dari segala penipuan itu memerlukan pemantauan yang berkala agar pematuhan garis panduan sentiasa terjamin. Justeru, bagi sistem Perbankan Islam, segala urusan perbankan Islam akan dipantau oleh Ahli ataupun Majlis Jawatankuasa Penasihat Syariah dan Audit Syariah yang bertanggungjawab dalam memastikan pematuhan  hukum Syariah di sesebuah bank. Berlainan pula dengan perbankan konvensional, sistem pemantauan adalah tidak diamalkan dari segi syariahnya justeru membuka ruang bagi sistem ini melanggar hukum syariah yang menjadi teras kesepaduan umat islam itu sendiri. Bukan sahaja untuk umat Islam, malah masyarakat yang datang daripada agama lain haruslah sedar tentang kelebihan sistem perbankan Islam ini kerana kelebihannya itu memberi faedah kepada masyarakat secara universal. 

                  Kesimpulannya, memandangkan negara Malaysia sebagai sebuah negara yang majoriti rakyatnya terdiri daripada umat Islam, maka eloklah sekiranya sistem perbankan Islam diperluaskan lagi agar menjamin transaksi yang berlandaskan hukum agama Islam yang benar dan telus. Namun, tidak dinafikan, inisiatif yang diambil oleh pelbagai pihak terutamanya pihak bank negara perlu diberi penghargaan. Penubuhan serta penggalakan jendela islamik oleh bank konvensional yang lain menjadikan sistem perbankan di Malaysia terjamin dari sebarang penyelewengan maka rakyat malaysia khususnya umat Islam turut mempunyai pilihan yang pelbagai dalam menjalankan transaksi dengan pihak bank. Malah, sistem perbankan islam juga turut mendapat tempat di hati masyarakat yang beragama lain. Justeru, tidak dapat dinafikan lagi bahawa hukum Allah adalah yang paling lengkap maka keberkatan akan mengiringi segala urusan dalam hidup sesebuah masyarakat itu malah keadilan juga dapat ditegakkan.

2016 Goals

I believe it’s not quite late for me to write an entry about my New Year goals, better late than never right. Since I’ve been quiet interested in writings since high school, I got excited to write short stories sometimes but I realize that my English isn’t that great such as bad grammars and such. Haha so I would like to make my 2016 as the year for me to read more books and improve my English, whether in writing and in speaking. As a law student, I need to master those useful skills. So I can’t wait to spend my book vouchers at the Big Bad Wolf book sale soon! 

Next thing is, to add my general knowledge by reading more news especially the international news. Well girls with wide knowledge of current issues are attractive ain’t it? Lol but no I didn’t put it as my goals because of that, it’s just that, same thing with my first goal, they would be useful for me. 

Enough with that intellectual goals of mine, the next goal is to be more fit! Yass I think I’m getting fatter and fatter each day, it’s sooooo disturbing when I realize I lost my thigh gap! Well my current weight is 43 kg, I don’t really mind about weight but I just can’t accept if the fat distributed unequally into my body parts, they like my drumsticks a lot ughh. So I wanna exercise regularly this year and it’ll make me more focus in studies too. Towards healthy lifestyle! 

Actually, to me, we don’t need New Year to start new things in life, new visions and stuff. But it’s a good timing for a fresh start I mean, we are growing up! I don’t know bout you, but I’m feelin twenty two ~ ~ ~ 


So here’s to the new year new me cliché! xx

Saturday, 23 March 2013

Untitled.

I am a petite girl that really loves to do crazy stuff with my best friends. I have the mood when I will tend to be silent and just say yes to everyone’s question. Well, people's moods and behavior are unpredictable isn’t it? 

Mine is quiet unpredictable. 

However not very complicated as some may have. 

I love the moment when in a very cold night in a long long never ending holidays, with the night mist filling the air, I am cuddling with my warm blanket, together watching a great fantasy movie with my lovely family, or friends or alone reading my favorite kind of story book or novel. It is such a great moment, and I just love that. Besides, I love it when it is raining, and I am enjoying the scoop of my favorite chocolate vienneta ice cream. It will help me forget all the unsolved problems or pending to-do things that keep disturbing my head at a moment. Well, I just love rain very much. Rain is also the name of my favorite celebrity in Korea. He is such a very handsome, cute and sweet actor. I love when he smiled, he had the thing that they call ‘eye smile’. Which when he smile, his eyes will become so small. 
However, still, my true love ever is the hottest person in this century, Taylor Daniel Lautner. Well, I do not really so into him to the extent that I watch every movie that he is starring. Actually, I might have fall in love into Jacob Kind Black, the fictional character in Twilight movie series. Jacob is such a gentle, strong, handsome, good guy who is willing to do anything to protect his loved one, Bella. Well I really hope that I am Bella, and if I really am, I would choose him instead of Edward! However, come to think of it, Edward is not bad, you know. I wish I had two sincere handsome guys chasing after my love but in reality I had none. Enough of the dreams, I am Liana, not Bella.

Besides, I am a girl that always had a great imagination of things should or should not happen in my life which kept going into my head.

I sometimes had in my minds that I was fall down into a rabbit hole, going through a very deep hole, with a magic piano that played by itself, a floating cup of tea and at last fell on a ceiling, backwardly. Then I found a piece of cake that had a note on it which tells me to eat it and when I did, I shrink and become super small, enter into a wonderful wonderland, meet a smiling cat, the red and white queen and won a battle with the Jaberworcky.

 Wow, quiet adventurous! 


How about this, me as a daughter of lovely mum but a busy dad, who had two brothers, lives in a mansion together and had been visited by a boy who does not want to grow up, with his little cute fairy namely Tinkerbell. I can fly and went to the Neverland, met a captain of a pirate ship who lose his right hand and use hook as a change of his hand. At last I went back to my world, leave Neverland, leave him and the memories we had together.

Too pathetic?



Okay now I am a real pretty and quiet girl, who moves to Forks to live with my father. Then the next day, meet with my neighbor, namely Jacob who had a great six pack body who is actually a werewolf and at last fall in love to a vampire. At last, instead of spend the rest of my live marrying Mr. Vampire, and become immortal, be like one of them, I choose to be with Mr. Tough Werewolf and live happily ever after with him. 

What, now too epic?



To be more adventurous, I kept pretending that I am a Muggle, who suddenly received an invitation letter from Hogwarts school of Witchcraft and Wizardry, and meet with a great legend who had a lightning bolt scar on his forehead and become a very close friend of him. Hand to hand with him and another friend who had red hair, defeat the most evil wizard in the world namely, You-Know-Who.

What a great imagination I had.


To be real, I am an ordinary girl, in this awesome world with my own unique adventure which is right now is to make sure that I am qualified to pursue my degree in Law, surrounding with lovely supporting family, and crazy-same-head friends. Well, my life is a great interesting life also, indeed. 

Monday, 29 October 2012

The Vanishing Star


That night was cold. I was sitting on a bench, with the most special person in my life, my mum. We were breathing fresh air, watching the sky, seeking for the stars, but there were none in the sky. I suddenly ask my mum a stupid child question, 
"Mum, how many stars are there in the sky?" Then my mum answered, "Only God knows the answer dear, when I see God, I'll ask them how many stars are there in the sky." 
She smiled sweetly to me, my mum has a very beautiful smile, a motherly smile and I really love to see her smiling. That night, she hugged me tightly and I was feeling very comfortable, warmer. Suddenly, she asked me to go to bed as it's already 10 p.m. I had to sleep early so that I will not be sleepy in school for tomorrow. Before I sleep, she read a bedtime story for me and after that she will kiss my forehead like she always did, every night. 

I was about to sleep when I heard the sound of door banging, very loudly. It must be my dad, he just came back after about two weeks he left us. My dad worked as a lorry driver, he rarely came back home but when he came, he will always get drunk and sometime will abuse my mum. Suddenly I heard the sound of my mum and dad arguing. I quickly peeped through the door and saw my dad slapped my mum face until she fell onto the floor. My dad looks very angry, I was very shocked and frightened at the same time. I was burst into tears. I cried behind the door until I dozed off. 

The next day, my mum send me to school as usual. My school, SMK Taman Permata is located not far from my house, it is about 4km. My mum send me to school by the motorcycle, the only transportation that we have. I could see the bruises on her cheek. She also looked so pale and weak. I was very worry about her so I asked her whether she was okay or not but then she said, “There’s nothing for you to worry, sweet pie.” Well I was only a little child at that time, there was nothing much I could do to help her. However, I always pray for her safety and believe that Allah will help us. After sending me to school, she will have to send some nasi lemak and kuih to Makcik Timah to be sold. She will then go to the Yellowtown Mall as she worked as a cleaner there. She is very strong woman that really inspired me.

After the school bell rang, I waited my mum at the bus stop as usual. I cannot see my mum there, usually, she will come to fetch me on time but sometimes she will late for about 5 to 10 minutes. Therefore, I waited patiently. An hour passed but I didn’t see any signs of my mum coming. I was about to cry when a red Satria Neo stops by. It was my English teacher, Miss Adila. Miss Adila who was wearing a black shawl and a pink baju kurung is a young nice teacher. She taught my class. She is a petite cute teacher that loves to smile. She came towards me and ask, “Lily, what are you doing here alone? It’s already 2.30 p.m. Where’s your mum?” I then answered, “I am waiting for her, she didn’t come to fetch me, I’m worry if anything bad had happened…” I started to sob. “Don’t worry dear, she might have forgotten to fetch you, come let me send you home.” Miss Adila offered me a ride and I agreed without doubt. My mum would not have forgotten to fetch me, I know her, unless, there was something bad happened. 

When we arrived at my house, I saw my mum’s EX5 motorcycle was at front for my house as usual. I quickly entered the house and seek for my mum. Suddenly, I was very shocked when I saw my mum was lying on the kitchen’s floor. She fainted! Miss Adila straight away called the ambulance. We then followed the ambulance to Pantai Medical Centre. After about half an hour of waiting, the nurse asked us to meet Dr.Siti, the doctor in charged for my mum. Dr.Siti said that there was nothing serious about my mum, she fainted just because she does not have enough rest and she did lot of heavy works. My mum also experienced stress. Therefore Dr. Siti advised my mum to get more rest and avoid to do heavy works. Well, my mum worked really hard for our family, she cook nasi lemak and kuih, sewing baju kurung, and also cleaned the mall for earnings. Although my dad also work, he always use his money to gamble and buy drinks. Sometimes he will also steal my mum’s money. When my mum refused to give him some money, he will abused her. 


After finished talking with Dr. Siti, Miss Adila helped my mum to pay for the medicine and the bills. She then sent us home. My mum thanks her very much for her good deeds. She was such a nice teacher. At the night, my mum entered my room. She said that there is no bedtime story for tonight. I understand her condition that she needed a good rest. Suddenly, she hugged me and said, “Dear, I love you so much, you are my only daughter, my sweet pie that made my every day. If I were to leave you, please do not ever forget me.” I just nodded and hugged her like there will be no tomorrow for us. 

The next day, Miss Adila wanted to bring us out and join her for dinner at the night. She fetched us at 8 p.m. in the night and brought us to the Kenny Roger’s Roasters restaurant in the town. We had a great dinner that night. After finished eating, we walk beside the busy road to Miss Adila’s car. Suddenly, my mum saw my dad, who was drunk, trying to cross the busy road. There was a big lorry coming fast and nearly hit my dad. The big lorry was getting near. Without thinking, my mum pushed my dad aside to save him. “Mum….no!!!!!!!” I shouted for her. Then, there was a very loud crash sound and I saw my mum was lying on the road. Miss Adila and I quickly ran to get her. We were too late, my mum with bloods all over her face and body was lying there, weak. Tears rolled down my cheek. I hold her hand tight. She whispered to me, “I am going to see God now and I’ll ask God how many stars are there in the sky.” Then she closed her eyes, she had left me, forever. 

Now 20 years had passed, the memories were still fresh on my mind. My mum is never been forgotten by me, I still pray for her life in hereafter. My dad, after the incident, had regretted for all the mistakes he did to me and my mum. He was feeling very depressed and at last he also left me after a few months of the incident. I was very lucky as Miss Adila decided to adopt me after my parents had gone. I lived with her, and she was married to a Chinese guy named Lai. They are my parents now. However, I never forget my mum… and also, my dad. I am now worked as a public prosecutor, the one who always wanted to reveal justice in this life. I also married to a nice guy and happy with my life, never tried to repeat the history of my family once upon a time. The End.

:) This is the story that I first wrote on 2009 when I was in form 3 where Teacher Salmiah wanted us to write an essay for her class. During the extra class on holiday, I was absent. My friend told me that she read my story to the whole class and she was crying a bit. 
On 2011, I rewrote this essay and decided to memorized it with the correct grammar so that I can use this essay in my SPM. You all know that the one word essay in English examination paper? Just try to fit in the essay with the word, it might be possible. Also, we can use the question that asked us to continue the sentence and try to fit in with the essay you memorize. This will make it easier because we do not really have enough time to write a good essay on the examination. Unless, if we already have the story line in our mind. So dear brothers and sisters who will sit for SPM this year, all the best! :)

Sunday, 16 September 2012

Sweethearts

"Superwoman". That is the perfect word that can describe this woman named FAUZIAH BINTI ABDUL MANAS who was born on 15th of May 1963. Look at her enchanting smile. This beautiful woman hides thousand and one conundrums behind it. She's is the strongest housewife that had take care of her six naughty children and at the same time she showered them with love. She's very soft, loving and cheerful. Imagine at the age of 40+, she still plays games. She's also an ambidextrous woman.Tell me what things that she did not able to do? -Almost nothing. The most important thing is she is my mom

♥ ♥ 

A father is neither an anchor to hold us back, nor a sail to take us there, but a guiding light whose love shows us the way. This handsome man who was born on 13th of February 1954 and named AZENAN BIN DIN can be described by a word. -"Ambidextrous" A very diligent man that always give his best in each and every single thing that he is responsible to such as his work and his children. He is very caring, and loving towards us. The best quality of him is, he is a very patient man and also wise, a bookworm and we even can call him a walking dictionary. He's my dad, the man of my life.

♥ ♥ 

There's no other word to describe this brother of five girls other than "Dashing". He's a stolid big brother that does not have much to say but at the same time he actually care of his sisters. As the only son in this family, he's very responsible in carrying out his responsibility prestigiously. He's also a very obedient son that always try in giving the best to satisfy and fullfill our parents wish. Besides that he's an independent man, always wanted to do and find solution for almost everything by himself. For example if something in the house has damaged, he'll try to fixed it by himself and he will often succeed. He's MOHAMAD KUSAIRI BIN AZENAN.

♥ ♥ 

"Silence is gold". My first sister, NORASHIKIN BINTI AZENAN is a special girl that had been endowed by Allah SWT for our family. She can't talk what she want to say and hear what we want to say. However, she's always cheerful and lucky. Her brain is full of intelligence and creativity although she's lacking in her ability to hear and to talk. Allah replaced it with special gifts for her. Other than that, she's very brave and also diligent. She has the expertise in cooking. Her cooking is awesome! She's pretty in her own way and we loved her so much. Trying to give the best for her future. Insha Allah, she'll receive her rewards that Allah will grant for her in hereafter.

♥ ♥ 

This petite girl name NORAZAH BINTI AZENAN can be described as a very "Independent" person. Since she was thirteen, she had the experience living far from our home to study in the school and university. And that is why she's a matured sister. She's also very close to my mum. She's an easy-going person that use the principle of cool and steady in doing everything.  Besides that, she's also very strict as the second sister. Not forgotten to say that she's beautiful with the hindustani looks and has a pair of big brown beautiful eyes. Last but not least, she's also a very responsible daughter that loves our parents and family. 

♥ ♥ 

The one word that can describe my third sister, NAZIRAH BINTI AZENAN is "Assertive". She always have her own decision and always believe in what she decide. She's a confident and daring woman. Besides that, she's a very loquacious person that sometimes leads to continuous nagging. I am the one who always being nagged by her. lol. Well she's one of the person in this family that always try to give her best in lessing our parents burden. She also always give her best in her works independently. Not to forget, she's a beautiful fashionista. 

♥ ♥ 


This girl is very soft and gentle girl, my fourth sister. I used to bullied her. lol. Seeing her cry will make me feel very worry because she look perfectly innocent. That one word to imply her is "Determined". She always have her very own plan and ambition for her future. She is very hardworking and in her studies. Now she got the pay for her hard work, she's very successful in her studies. Besides that she's very reliable person, fun and friendly. She has her very own unique personality. She's a beautiful obedient daughter in this family. Her name is NADIATULAINI BINTI AZENAN.

♥ ♥