Sunday 31 March 2019

Ditipu skim pelaburan kereta - 400 orang mangsa kerugian hampir RM20 juta


31 Mac 2019 (Kosmo Online)

KUALA LUMPUR - Sebuah syarikat skim pelaburan kenderaan dekat sini didakwa menjalankan satu penipuan sehingga menyebabkan 400 orang mangsa menanggung kerugian hampir RM20 juta.

Seorang mangsa penipuan, Rashidi Johan, 65, mendakwa ramai mangsa terpedaya dengan pengurus syarikat tersebut yang berstatus ustaz yang dikenali sebagai Noordin sehingga sanggup melabur kereta mereka yang masih dalam pembiayaan pinjaman bank.


"Mengikut perjanjian dengan syarikat tersebut, setiap kereta yang dilaburkan itu akan mendapat profit setiap bulan dan penyelesaian pinjaman bank sepenuhnya selama lima tahun. 
"Namun masalahnya, apa yang dijanjikan tidak berlaku. Sudah berapa bulan pinjaman bank itu tidak dijelaskan dan ada diantara kami yang kereta mereka telah ditarik balik oleh pihak bank, " jelasnya kepada pemberita di Seri Kembangan hari ini. 

Tambahnya, syarikat tersebut menjalankan modus operandi dengan mengambil kereta dari pelabur dan menjual balik kereta-kereta tersebut kepada orang ketiga dengan harga 30 peratus lebih murah daripada harga pasaran. 

"Buat masa ini bukan sahaja kami sebagai pelabur yang tertipu, malah pembeli kereta dibawah satu skim yang diperkenalkan oleh syarikat terbabit juga tertipu. Mereka bayar tunai namun kereta tersebut ada masalah dengan bank. 

"Profit yang dijanjikan tertakluk pada jenis kereta, Perodua Axia misalnya profit sebulan yang dijanjikan adalah RM184 manakala model-model dari Honda boleh mencecah RM550 sebulan. 
"Buat masa ini pihak kami telah membuat 48 laporan polis dan usaha kami untuk berbincang dengan pengurus syarikat tersebut gagal,"ujarnya yang mengenali pelaburan tersebut dari kenalan rapat sejak Ogos 2017.

Dalam pada itu, seorang lagi mangsa yang hanya mahu dikenali sebagai Zambri, 62, berkata, ada dalam kalangan mereka yang menjelaskan baki pinjaman dengan duit sendiri bermula Ogos lalu. 
"Saya hanya sempat merasa profit tersebut selama 12 bulan, kemudian semuanya sudah tiada. Ramai mangsa adalah dari kalangan pesara dan penjawat awam. 

"Sekarang nama kami sudah "blacklist" di bank dan kami terpaksa menanggung segala hutang tersebut, saya sendiri turut melabur sebanyak enam biji kereta dan bayangkan berapa banyak saya perlu selesaikan dengan pihak bank," katanya. - K! ONLINE

31 Mac 2019 (Kosmo Online)

Link:https://malaysia-all.blogspot.com/2019/04/ditipu-skim-pelaburan-kereta-400-orang.html

Tuesday 26 March 2019

Malaysia Top 50 causes of death



Malaysia Top 50 causes of death.

Malaysian Islamic banking in 2019 to grow at the same rate as 2018 — RAM


26 March 2019 (The Edge Markets)

KUALA LUMPUR (March 26): Financing growth of the Islamic banking sector is expected to come in at around 10% to 11% this year, RAM Rating Services Bhd said, which is pretty much the same as the rate of growth in 2018.

The local rating agency said Islamic banking continued to expand at a much faster pace than conventional loans last year, coming in at 11% compared with the latter's 3.3% growth. It grew 10.3% in 2017.

For 2019, RAM is maintaining a stable outlook on the Malaysian Islamic banking sector, in line with its view on the overall domestic banking system.

"However, it may take longer to achieve Bank Negara Malaysia's 40% target for Islamic financing as a proportion of the overall system's loans by 2020," it said in the latest edition of its annual publication called "Islamic Banking Insight" today.

As at end-January 2019, Islamic financing comprised 32% of the overall system's loans.

While it may require more time to attain the targeted 40%, RAM co-head of financial institution ratings Wong Yin Ching said the Islamic banking industry has come a long way in terms of maturity and breadth.

Meanwhile, RAM noted that the asset-quality indicators of Islamic banks have remained relatively benign, with a gross impaired financing (GIF) ratio of 1.2% as at end-January 2019 and an annualised credit cost ratio of 27 basis points in the first nine months of 2018.

"That said, we note an uptrend in the absolute GIF of Islamic banks, which increased 13% in 2018," it said.

"On the other hand, the implementation of Malaysian Financial Reporting Standards 9 has bolstered loss-absorption buffers; the Islamic system's GIF coverage ratio had improved to 103% as at end-January 2019 from 89% as at end-December 2017.

"While the moderation in economic growth may affect borrowers' repayment capabilities and thus lead to an uptick in impairments, the asset quality of the Islamic banking industry is unlikely to deteriorate significantly," added RAM.

Last year, the Islamic banking system's deposits grew 12.4%, slightly slower than the 14.2% growth recorded in 2017.

"The bulk of the expansion stemmed from fixed deposits as banks are bracing for the implementation of the net stable funding ratio (NSFR) requirement.

"Despite the deferred adoption of the NSFR, margin pressure is unlikely to ease amid the ongoing keen competition for retail and small and medium enterprise deposits, as banks keep building up their funding bases. However, the overall outlook on profitability remains stable as banks keep a tight rein on operating expenses," RAM co-head of financial institution ratings Sophia Lee said.

The industry's liquidity coverage ratio stood at 143% as at end-January 2019. The Islamic banking system also remained well capitalised, with common equity tier-1 and total capital ratios of 13.3% and 17.6% respectively.

Bohey Dulang Island - Sabah, Malaysia



Bohey Dulang Island - Sabah, Malaysia

Sunday 10 March 2019

Masjid Sultan Salahuddin Abdul Aziz Shah - Shah Alam, Selangor, Malaysia

Masjid Sultan Salahuddin Abdul Aziz Shah - Shah Alam, Selangor, Malaysia.

Langkawi is made of 99 islands, of which only five are inhabited

Langkawi is made of 99 islands, of which only five are inhabited. Fringed with long sandy beaches leading to the Andaman Sea, the scenic interior is a peaceful landscape.

Saturday 9 March 2019

Chuping, Perlis adalah kawasan terpanas di Malaysia

Chuping, Perlis adalah kawasan terpanas di Malaysia. Suhu tertinggi pernah direkodkan ialah 40.1 C pada 9 April 1998.

Friday 8 March 2019

Pulau Kapas - Terengganu, Malaysia

Pulau Kapas - Terengganu, Malaysia.

(VIDEO) Aviation's Greatest Mystery - Malaysia Airlines Flight 370 - XP11


Malaysia Airlines Flight 370 (also referred to as MH370Flight MH370 or MAS370) was a scheduled international passenger flight operated by Malaysia Airlines that disappeared on 8 March 2014 while flying from Kuala Lumpur International Airport, Malaysia, to its destination, Beijing Capital International Airport in China. The crew of the Boeing 777-200ER aircraft last communicated with air traffic control (ATC) around 38 minutes after takeoff when the flight was over the South China Sea. The aircraft was lost from ATC radar screens minutes later, but was tracked by military radar for another hour, deviating westwards from its planned flight path, crossing the Malay Peninsula and Andaman Sea. It left radar range 200 nautical miles (370 km) northwest of Penang Island in northwestern Malaysia. With all 227 passengers and 12 crew aboard presumed dead, the disappearance of Flight 370 was the deadliest incident involving a Boeing 777and the deadliest in Malaysia Airlines' history, until it was surpassed in both regards by Malaysia Airlines Flight 17 four months later. The combined loss caused significant financial problems for Malaysia Airlines, which was renationalised by the Malaysian government in December 2014.
The search for the missing airplane, which became the most costly in aviation history, focused initially on the South China and Andaman seas, before analysis of the aircraft's automated communications with an Inmarsat satellite identified a possible crash site somewhere in the southern Indian Ocean. The lack of official information in the days immediately after the disappearance prompted fierce criticism from the Chinese public, particularly from relatives of the passengers; most on board Flight 370 were of Chinese origin. Several pieces of marine debris confirmed to be from the aircraft washed ashore in the western Indian Ocean during 2015 and 2016. After a three-year search across 120,000 square kilometres (46,000 sq mi) of ocean failed to locate the aircraft, the Joint Agency Coordination Centre heading the operation suspended their activities in January 2017. A second search launched in January 2018 by the private contractor Ocean Infinity also ended without success after six months.
The disappearance of Flight 370 has been dubbed one of the greatest aviation mysteries of all time. Relying mostly on analysis of data from the Inmarsat satellite with which the aircraft last communicated, the Australian Transport Safety Bureau proposed initially that a hypoxia event was the most likely cause given the available evidence, although there has not been any consensus concerning this theory among investigators. At various stages of the investigation, possible hijacking scenarios were considered, including crew involvement, and suspicion of the airplane's cargo manifest; many unofficial theories have also been proposed by the media. The Malaysian Ministry of Transport's final report from July 2018 was inconclusive, but highlighted Malaysian air traffic controllers' failures to attempt to communicate with the aircraft shortly after its disappearance. In the absence of a definitive cause of the disappearance, safety recommendations and regulations of the air transport industry, citing Flight 370, have been intended mostly to prevent a repetition of the circumstances associated with the loss. These include increased battery life on underwater locator beacons, lengthening of recording times on flight data recorders and cockpit voice recorders, and new standards for aircraft position reporting over open ocean.

Masjid Sultan Salahuddin Abdul Aziz Shah - Shah Alam, Selangor, Malaysia (Top view)

Masjid Sultan Salahuddin Abdul Aziz Shah - Shah Alam, Selangor, Malaysia

Top view.

Thursday 7 March 2019

Masjid Ubudiah - Kuala Kangsar, Perak, Malaysia (Opened: 1917)

Masjid Ubudiah - Kuala Kangsar, Perak, Malaysia

Opened: 1917

5 dana terbaik (top 5 funds) PMB Investment dari segi peluangan setakat ini dari awal tahun (year-to-date return) seperti pada 6 Mac 2019 (65 hari)

5 dana terbaik (top 5 funds) PMB Investment dari segi peluangan setakat ini dari awal tahun (year-to-date return) seperti pada 6 Mac 2019 (65 hari):


1. PMB Shariah Small-Cap Fund: +6.31%

2. PMB Shariah Mid-Cap Fund: +5.42%

3. PMB Dana Mutiara: +5.25%

4. PMB Shariah TNB Employee Fund: +4.76%

5. PMB Shariah Tactical Fund: +4.35%


www.wasap.my/60192348786/PMBinvestment (Sanusi | PMBI | KL)


● PMB INVESTMENT menguruskan 15 dana Patuh Syariah yang dilaburkan dalam pasaran Malaysia dan ASEAN.


● PMB INVESTMENT adalah syarikat pengurusan dana Islam (IFMC) dengan sejarah peniagaan selama 52 tahun, bermula sejak 1967.


● Boleh melabur secara Tunai atau Skim Pelaburan Ahli KWSP (akaun 1).


● Rekod pulangan lepas yang memuaskan dan potensi pulangan cemerlang untuk pelaburan jangka panjang, insya Allah.


☆☆☆☆☆


Jika berminat melabur dlm dana-dana patuh Syariah PMB INVESTMENT Berhad atau ingin menjadi perunding, sila hantarkan pesanan (whatsapp) ke www.wasap.my/60192348786/PMBinvestment dgn menulis:


Pelabur/Perunding_Nama_Umur_Lokasi


Contoh: Pelabur Ahmad Ali 30 KL


Ahmad Sanusi - Pengurus Agensi/Perunding

PMB Investment Berhad

(Ahli kumpulan Pelaburan MARA Berhad)

Kuala Lumpur 

🌐 www.pmbinvest.com.my


Sejak 1967...52 tahun


"Pengalaman Kami. Keyakinan Anda"


 *Prestasi lepas bukanlah jaminan prestasi masa depan sesuatu dana unit amanah.

Kehijauan sawah padi di Kodiang, Kedah, Malaysia

Kehijauan sawah padi di Kodiang, Kedah, Malaysia.

Langkawi Sky Bridge - Langkawi, Kedah, Malaysia

Langkawi Sky Bridge - Langkawi, Kedah, Malaysia.

Langkawi Sky Cab - Langkawi, Kedah, Malaysia

Langkawi Sky Cab - Langkawi, Kedah, Malaysia.

Kehijauan sawah padi di Kodiang, Kedah, Malaysia (pemandangan dari Bukit Kodiang)

Kehijauan sawah padi di Kodiang, Kedah, Malaysia

Pemandangan dari Bukit Kodiang.

Bukit Keteri, Perlis - spectacular limestone towers surrounded by endless rice paddies

Bukit Keteri is a small village in the state of Perlis in Northern Malaysia. The area is characterized by spectacular limestone towers surrounded by endless rice paddies.

Jalan Ulu Pauh-Padang Besar - Perlis, Malaysia

Jalan Ulu Pauh-Padang Besar - Perlis, Malaysia.

Tuesday 5 March 2019

5 dana terbaik (top 5 funds) PMB Investment dari segi peluangan setakat ini dari awal tahun (year-to-date return) seperti pada 4 Mac 2019 (63 hari)

5 dana terbaik (top 5 funds) PMB Investment dari segi peluangan setakat ini dari awal tahun (year-to-date return) seperti pada 4 Mac 2019 (63 hari):

1. PMB Shariah Small-Cap Fund: +6.33%
2. PMB Shariah TNB Employee Fund: +4.76%
3. PMB Shariah Mid-Cap Fund: +4.60%
4. PMB Dana Mutiara: +4.42%
5. PMB Shariah Tactical Fund: +4.40

www.wasap.my/60192348786/PMBinvestment (Sanusi | PMBI | KL)

● PMB INVESTMENT menguruskan 15 dana Patuh Syariah yang dilaburkan dalam pasaran Malaysia dan ASEAN.

● PMB INVESTMENT adalah syarikat pengurusan dana Islam (IFMC) dengan sejarah peniagaan selama 52 tahun, bermula sejak 1967.

● Boleh melabur secara Tunai atau Skim Pelaburan Ahli KWSP (akaun 1).

● Rekod pulangan lepas yang memuaskan dan potensi pulangan cemerlang untuk pelaburan jangka panjang, insya Allah.

☆☆☆☆☆

Jika berminat melabur dlm dana-dana patuh Syariah PMB INVESTMENT Berhad atau ingin menjadi perunding, sila hantarkan pesanan (whatsapp) ke www.wasap.my/60192348786/PMBinvestment dgn menulis:

Pelabur/Perunding_Nama_Umur_Lokasi

Contoh: Pelabur Ahmad Ali 30 KL

Ahmad Sanusi - Pengurus Agensi/Perunding
PMB Investment Berhad
(Ahli kumpulan Pelaburan MARA Berhad)
Kuala Lumpur 
🌐 www.pmbinvest.com.my

Sejak 1967...52 tahun

"Pengalaman Kami. Keyakinan Anda"

*Prestasi lepas bukanlah jaminan prestasi masa depan sesuatu dana unit amanah.

Masjid Selat Melaka (Strait of Malacca Mosque) - Melaka, Malaysia

Masjid Selat Melaka (Strait of Malacca Mosque) - Melaka, Malaysia


Friday 1 March 2019

Malaysia