@Pelabur_Bijak Jangan salah guna agama, bang. Hanya kerana istilahnya qard, tak bermakna itu cara Islamik paling bersih.
Islam bagi peraturan kalau nak amalkan pinjaman/qard, perlulah dibayar sama dengan amaun pinjaman. Tiada istilah paling bersih. Hanyalah kamu patuh peraturan atau tidak.
@Alex454514@SafdarAlam@tradememark Then you should closed down CB too. Why only IB? Haha. Oh wait, safdar use it for savings. Hence banking is not only about purchasing capability. Haha
@SafdarAlam Keh. Do you want me to send your resume too? Do you want me to sell your jp morgan ex-directorship which is nice on the piece of paper but nothing to remember. Oh right, you may fool the amateurs but not the experts.
@hdxzb@SafdarAlam If we focus on savings in IB only, the depositor lend the money to the bank. IB cannot guarantee the dividend/return to the depositor. Due to the fact it is a loan contract between depositor n the bank, hence the bank obligated to return the equal borrowed amount.
@yandruidh @lukaspijolski@syedaizuddin Ni sorang lg. Konon terlebih pndai.
Yg terlibat dgn riba adalah A dan B.
Kalo anak bini bukan tukang rekod perjanjian, bukan saksi, maka anak bini dia tak terlibat dgn riba.
A guna ke x bayaran bunga tu, once dia charge bunga, maka riba dah berlaku melainkan dia pulang balik
@hdxzb@SafdarAlam Wow, already 2025 and you dont know savings a/c also got riba.
It similar to loan but the roles is changing. Instead the bank charge you interest, for savings its you the one who charge the interest (in the form of dividend).
No wonder you guys so ‘houlier’ and selective.