KERANAMU DINAR DAN DIRHAM dibaca DOLLAR DAN STERLING

Ramai pemimpin umat Islam berhujah menggunakan hadith yang dikatakan lemah iaitu “Kefakiran itu hampir kepada kekufuran”. Di sana juga terdapat Hadith Nabi s.a.w yang bermaksud ” Anak Adam itu jika diberi satu lembah emas, nescaya ia mahukan satu lagi”. Dan ia akan terus mencari sehingga…………….mati. Juga terdapat sebuah hadith Nabi saw yang panjang, lebih kurang bermaksud ..” Bukanlah kefakiran yang Aku takut berlaku ke atas kamu, tetapi yang paling Aku takuti ialah kekayaan dunia yang melimpah ruah keatas kamu, yang dengannya kamu berlumba (mengejar harta hingga lupa kepada Allah) seperti mana umat-umat lain sebelum kamu berlumba (mengejarnya) sehingga mereka binasa sepertimana kamu juga akan binasa”..Au kama Qal.

Kegawatan ekonomi dunia hasil dari tempias kegawatan ekonomi USA serta kenaikan harga bahan api yang mendadak dek kerana kerakusan spekulator komoditi minyak mentah tempoh hari kian kian terasa. Di negara kita harga petrol telah beberapa kali diturunkan oleh Kerajaan Pusat namun harga barang makanan dan perkhidmatan kian meningkat. Alasan yang diberikan oleh peniaga ialah peningkatan kos operasi.

Sistem perbankan Dunia termasuk di Malaysia yang menindas pengguna, peminjam dan penyimpan dengan pelbagai caj perkhidmatan, kadar keuntungan kepada pelabur yang sangat rendah tetapi pada waktu yang sama mengenakan kadar faedah yang tinggi kepada peminjam. Tetapi kini, kebenaran telah terserlah dengan berlakunya krisis mata wang, krisis sub prime mortgage dan paling terakhir ialah FONZI skim atau skandal Maddof yang dijalankan oleh keluarga Maddof, bersembunyi dan bertopengkan “dana hedge” serta “perniagaan saham”.
Beginilah akhirnya jika sesuatu itu diperolehi dengan cara yang haram dan menzalimi orang lain atau merampas hak orang lain. Tidak berkat atau tiada barokah. Titik.

Bank yang terjejas dengan skandal Maddof seperti di bawah.

HSBC HOLDINGS

HSBC Holdings has potential exposure of about $1.5 billion, the Financial Times reported, citing unnamed people close to the situation. The exposure is from loans it provided to institutional clients, mainly hedge funds of funds, that wanted to invest with Madoff, the FT reported

GRUPO SANTANDER SA
Spain’s largest bank said its investment fund Optimal has a 2.33 billion euro ($3.05 billion) exposure to Madoff Securities.

MAN GROUP

It is exposed through RMF, its institutional fund of funds business, which has approximately $360 million invested in two funds that are directly or indirectly sub-advised by Madoff Securities.

BBVA

Spain’s second-largest bank said its international operation has about 30 million euros exposure to Madoff, and it sees a maximum potential loss from Madoff-linked investments of 300 million euros ($404 million)

ASCOT PARTNERS

According to a Wall Street Journal report, the fund where former GMAC chairman Jacob Ezra Merkin is a money manager has an exposure of $1.8 billion

ACCESS INTERNATIONAL ADVISORS

According to a report by Bloomberg, Access has an exposure of $1.4 billion.

AXA SA
It has negligible exposure to Madoff, well below 100 million euros.

BARCLAYS

Any exposure for British bank Barclays to Madoff would be “minimal,” a person familiar with the matter said, but Barclays declined to comment.

UNION BANCAIRE PRIVEE

Swiss bank that invests in funds of hedge funds has lost about 1 billion francs ($850 million), according to Le Temps, citing unnamed banking sources

ROYAL BANK OF SCOTLAND GROUP

Royal Bank of Scotland Group said it had exposure through trading and collateralized lending to funds of hedge funds invested with Madoff, with a potential loss of around 400 million pounds ($597.9 million)

NATIXIS

Natixis said it could have a 450 million euro ($602 million) indirect exposure to Madoff

BNP PARIBAS

France’s largest listed bank said it has a potential 350 million euro ($464.3 million) exposure.

REICHMUTH & CO

Swiss private bank said its fund of funds Reichmuth Matterhorn had an exposure to investments linked to Madoff that amounted to about $325 million.

NOMURA HOLDINGS

Nomura Holdings said it had a 27.5 billion yen ($303 million) exposure related to Madoff, but the impact on its capital would be limited.

UNICREDIT SpA

Italy’s second-biggest bank said its own exposure is around 75 million euros ($101 million), while in its Pioneer Investments unit, some funds “are exposed to Madoff indirectly through feeder funds.”

SOCIETE GENERALE
Said its exposure is negligible, below 10 million euros.

MAXAM CAPITAL MANAGEMENT

The fund has lost about $280 million on funds invested with Madoff, according to a Wall Street Journal report.

EIM GROUP

Le Temps reported that EIM Group, a fund of hedge funds, said it has a $230 million exposure.

FAIRFIELD SENTRY LTD

The $7.3 billion hedge fund run by Walter Noel’s Fairfield Greenwich Group had accounts with Madoff Investment Securities

KINGATE GLOBAL FUND

The $2.8 billion hedge fund run by Kingate Management Ltd had invested in Madoff Investment Securities.

UBS

The investment bank unit of the Swiss financial group has a limited and insignificant counterparty exposure, its spokesman told Reuters

BENEDICT HENTSCH

Swiss private bank said its exposure to products linked to Madoff amounted to 56 million francs ($47 million), or less than 5 percent of assets under management.

BRAMDEAN ALTERNATIVES

UK asset manager, headed by well-known fund manager Nicola Horlick, said almost 10 percent of its holdings were exposed to Madoff. Bramdean said it had two holdings that maintain trading accounts with Bernard L. Madoff Investment Securities that represented 9.5 percent of its net asset value at end-October.

BANESTO

Banesto said it has insignificant exposure, but declined to disclose the size of exposure.

Refer HERE.

Posting saya yang lalu bertarikh 14/12/08 di SINI .