Putradinar | Malaysia

Nowadays, Malaysian is more likely to get involve in bank loan which considered as a necessity for them to have it. They tend to acquire a study loan and after they’ve graduated, entered themselves in a career world, they will definitely get a car loan,
personal loan for marriage purposes and also housing loan. From many views of Malaysian citizen, loans are mending to ease individual financial deficit. However, unfortunately, during the last quarter of Malaysian unpayable debts shows that Malaysian is having more debt than it suppose to be. The trend illustrate that, they are more willing to borrow money from banks rather than saving from their monthly income so that they can maximize their needs which means their necessities and even to obtain luxuries goods. If this trend continuously carried to the next generation of Malaysian, we might experience a country that 50% of the citizen will be blacklisted from the bank and also trying hard to pay their debt for all their life.

Furthermore, we can also take a look at the United States subprime mortgage crisis which create a major impact on their people where they are unable to pay their monthly installment and even accompanied with the prices of real estate that remain constant which cause their citizen to face a huge credit crisis and self force to live on the street at their own land. Moreover, Malaysian need to take into consideration on other alternative of saving instead of continue to borrow in order to survive where they can shift their saving strategies to precious metal in Malaysian as many banks have already long started to help Malaysian realize that they can save their money in other ways instead of depending on bank loans in order for them to maximize their needs and wants. Further more, our government should invest more on precious metal industries starting with mining, refinery and even minting as the price of precious metal such as gold are keep bullish in the international market since money is no longer back by gold in 1971. So if we want to achieve the status of high income and develop country before 2020 we should follow China that advising their people to save in gold as the metal is hedge against inflation and hedge against failing currencies. If we can advise people here to start save in gold from now, we can lead Malaysian stop keep on making credit and generate the GDP from public spending and saving or from premium earn from investing in gold.

The issues that we can point out are that, try to spend based on what you earn or save and stop depending on loans because at some point people will face difficulty to paying their installment and trap in " The Web of Debt ".

Objective:

The objective of this research is to show the disadvantage of bank loans in the long run that people always tend to miss out which starts from studies loan, personal loan, car loan and housing loan. Apart from the negative side of bank loan, it also explains and examines the effectiveness of saving in gold to maximize ones wealth rather than believe by obtaining bank loan will ease ones personal deficit and by showing people that buying necessities and luxuries using monthly saving has less risk compared to signing for loans.

Adam Sharif

The obvious question that surfaced on this topic is how the position of Gold can functionally be an alternative for the present society to save their money. As we know that nowadays there is a wide range of disparity between poor society and rich society across the country regardless of developed or developing countries. Rich society will tend to become richer because they have more fiat money which means they have more savings that will generate growth through their investment activities. Poor society will be left behind due to less of savings which mean they have less fiat money, thus will generate slight growth. The existence of downturn in economic growth will lead to a fall in the value of the currency (fiat money) and furthermore there is a difference in the value of currency of yesterday and today with the presence of increase in inflation rate. Moreover, most of the society in Malaysia chooses to earn an additional income from investing or diversifying their fiat money in many types of well known financial instrument such as in Bonds, Fixed Deposit and ASB (Amanah Saham Berhad) in order for them to acquire a return on investment according to a specific duration (long term or short term) and amount. However, most of them didn’t even realize the fall in the value of fiat money and the increase in inflation rate and this is because they always experience a shortage of fiat money or their savings even though they believe that the rate of return on investment is considered high.

Financial instrument such as bonds, fixed deposit and ASB shares more or less similar characteristic and risk regardless of less risk or high risk. Bonds are mostly known that it is backed with the trust of the government, in case the governments dissolve, the money is still safe. However, it is known that bonds offer a worst return or generally very low interest (EconomyWatch), even though some says that if “you pay more, you save more”, at the end of the day, your return is still low due to its fixed rate and inconsistency and the fall in value of the currency, same goes to fixed deposit and ASB as the return will be eroded by inflation and you might obtain a negative return after taking into account tax and inflation. The problem from this is that if your returns do not match or surpass inflation and after tax, your money is losing value.

In addition, Gold can be considered as a saving alternative and also it gives advantage to the poor society to actually have an additional income because unlike other financial instruments, gold does not have a minimum deposit requirement, instead you just buy at a price based on its value in which the price of gold increase over time and has a constant fluctuation. Regardless of crisis such as political and economic uncertainty or recession, it definitely raises panic among the investors who try to find ways on different strategies to save their money or capital and it always comes back to gold which is because of its reliability, stable and liquid instrument of capital and its future saving compared to other financial instrument and also it is well known with its value in itself.

Gold is a perfect hedge for inflation which means buying power of money will falls due to inflation but the gold price rises and even surpassing inflation. We knew that the steps that the governments take to fight the downturn will lead to inflation and it will somehow cause the value of money to drop. A weakened currency is gold’s best friends (Tim Middleton, 2009). It is a common knowledge that gold is a reliable financial instrument in terms of saving and increase of income. Furthermore, China has been encouraging their citizen to consume gold for savings and also for the future consumption. Most of the society in these present days suffers from inflation which means the increase in the price of goods and that is why their fiat money will not be enough even they choose to plant it in a high rate of return financial instruments.

Hamizah Azmi

In this article, we want to share the problem that been created by paper currency. First let’s make us clear what ‘inflation’ is?

Inflation can be define in many words and phrase, the most popular one that can be heard are increase in prices of goods and services resulting in more paper money needed to buy the same amount of thing in the past. In other words each unit of paper money can buy less goods and services. This means that your purchasing power of medium of exchange or unit of account is getting weaker over time. It is obvious that there were increase of price everywhere around you. Now you don’t get ‘roti canai’ and ‘the tarik’ for Rm1 no more. The ingredient still the same but the price differ and the economist told us it was the inflation. So if we want to survive the inflation, we have to store the paper money in something that grow more than the inflation rate which can be measure by consumer price index (CPI) or you can choose something that value on its own and not assured by third party.

Now that you know what ‘Inflation’ is, do you think its worth to store your wealth in something that decreases in value? If one year the inflation rate is 1% annually, for ten years 10% of your paper money buy less goods and services. In 1998 Asian was hit by financial crisis and result in high inflation rate among Asian countries (Malaysia:5.293, Indonesia:58.02,). We are more lucky than Indonesia manage to survive the hit but history shows that paper money can be easily speculated.

World has shown how bad paper money are, it’s not like we don’t have prove. Zimbabwe has face 'hyperinflation' in 2008 after they suspended their own currency, there’s plenty of zero on the Z$ notes until the Governor has to redenominated by removing the zeros on Z$ notes. On 2 February 2009 a final denomination was implemented by removing 12 zeroes, before the Zimbabwe dollar was officially abandoned on 12 April 2009. Picture below shows how bad Zimbabwe paper currency facing inflation with 100billion Z$ they only can buy 3 eggs:




And there was a time in 1923 at Germany where people living there burned their paper money to warm the house rather than using woods because the prices are the same. In this period, they need to use a trolley to carry the paper money only to buy a loaf of bread. Early mention in this article, if you need more paper money to buy goods you are experiencing inflation. Just to inform your thinking, the survivors of the German hyperinflation did so by purchasing gold early in the process of financial problem. Now its clear that its important to store your wealth in a form that more solid and sound medium of storage rather than paper medium of exchange or others paper asset. The best you can do is to be prepared and then hope that it doesn't happen here. This tragic moment can be shown by the picture below:



To conclude this article, your standard of living is more expensive anually is not totally because of demand and supply each goods, it’s the value of paper money dropping. And only you can decide where to put or store your wealth.

putradinar...

15 April lalu, letusan gunung berapi yang diliputi ais di Iceland telah menyebabkan negara-negara Eropah diselubungi debu hitam dan aktiviti ekonomi seluruh dunia terjejas teruk kesan dari akibat Tsunami Udara ini. Dan laporan dari Kumpalan Penkaji Proses Permukaan Bumi Universiti Newcastle Berkata :'Rekod menunjukkkan setiap kali Eyjafjallajokull meletus, Katla juga turut meletus. Dan lazimnya letusan Katla lebih teruk'. Saya tertanya-tanya apakah kaitan bencana alam ini dengan kisah akhir zaman? Adakah kerana kerakusan manusia mengeksploitasi hasil bumi merosakkan struktur dan hukum alam?

Ok berbalik pada tajuk " Dunia Sudah Tua " , pada 22 April 2010 yang lepas satu forum berkaitan dengan isu semasa telah diadakan di MMU Melaka yang dikelolakan oleh Institusi Usrah IPT berkenaan. Penceramah yang dijemput ialah En Abdul Halim Abdul Hamid dan Ustaz Najib Bagi membincangkan isu berkaitan masalah isu semasa dan kaitannya dengan Umur Bumi kita. Topik yang agak luas ini dimudahkan dengan contoh serta bukti kejadian yang berlaku disekeliling kita. Ustaz Najib banyak menekankan masalah Isu Sosial seperti kes buang bayi, kes cabul kanak-kanak sehinggalah isu kahwin muda. Beliau tidak terlepas menyenaraikan tanda-tanda besar akhir zaman sebagai ingatan kepada hadirin yang hadir.

En. Abdul Halim menguatkan Topik Dunia Sudah Tua dengan isu-isu ekonomi dunia yang dipraktis sekarang ini hanya akan menjerumuskan kita ke dalam agenda Yahudi dalam tidak kita sedari seperti kata beliau tentang hadith qudsi" Fitnah akhir zaman itu akan datang kepada kamu seperti seekor semut hitam diatas batu hitam dan di malam yang gelap gelita tanpa bulan dan bintang". Cukuplah sekadar itu menerangkan kepada kita bahawa sistem ekonomi kita telah dimanipulasi oleh pihak Yahudi dengan menerapkan teori Ekonomi Moden, dan tahukah anda asal perkataan "moden" itu dari "MAUTDEEN" atau maknanya "mautkan agama". Dan semasa artikel ini ditulis 80% emas dunia sudah dimiliki oleh Yahudi. Dan kita disini masih mendombakan wang kertas yang saya pun tak tahu mana nilainya kertas yang boleh direcycle ini :).

Dibawah disertakan gambar-gambar semasa forum:








Sekitar bulan April ini, aktiviti jelajah Malaysia banyak diadakan untuk meningkatkan pemahaman rakyat tentang kepentingan emas bukan untuk alat investasi, malangnya saya tidak berkesempatan untuk berkongsi semuanya di blog ini. Anda berpeluang membacanya di blog saudara-saudara saya yang menceritakan keadaan di sekitar majlis dengan klik link-link dibawah ini:




Sekitar Acara Seminar Kebangkitan Ekonomi Syariah Di Tengah Krisis Ekonomi Global , JAKARTA, INDONESIA : tulisan The Gold Dinar


Perjalanan Jelajah Dinar & Dirham di Malaysia (April 2010): tulisan Southern Community Gold



Siri Jelajah Dinar Dirham di Surau al-Furqan Fasa 2, Puncak Alam: tulisan Wakala Jentayu Emas.

Adam...

Putradinar ialah sekumpulan pengkaji ekonomi alternatif yang bebas. Kami berlatar belakangkan bidang pengurusan dari Faculty Business & Law (MMU Melaka). Bermula dengan hanya beberapa pelajar ekonomi yang mencari jawapan hasil dari permasalahan ekonomi yang dari dulu kita dengar seperti harga barang naik, penganguran, beza miskin dan kaya, dan berkesudahan dengan masalah sosioekonomi yang tidak perlu diperkenalkan lagi di negara kita sekarang ini. Apa kaitannya kes pecah rumah, buang bayi, rompakan dan lain-lain lagi dengan EKONOMI? Dari semester pertama hingga semester akhir kami diberi dengan maklumat dari buku-buku tokoh ekonomi barat dengan berbagai teori mereka sebagai contoh Adam Smith dengan "Invisible Hand Theory" dan "Absolute Advantage", David Ricardo dengan teori "Comparative Advantage" dan John Maynard Keynes dengan teori ekonomi moden beliau. Walau macam mana hebat teori mereka mengapa masih ada penganguran atau kenaikan harga barang?

Jawapan permasalahan diatas mula terungkai perlahan-lahan apabila kami dikenalkan dengan salah seorang pensyarah MMU Melaka "En. Abdul Halim Abdul Hamid". Beliau mengenalkan kami dengan emas dan dinar, satu ilmu yang yang tidak disertakan dalam buku-buku ekonomi konvensional. Sejak dari itu blog ini dengan nama panggilan PUTRADINAR ditubuhkan. Bermula dengan dua Putradinar ( Adam & Afham berlatarbelakangkan "International Economy"), kami terjun dalam dunia perniagaan emas Malaysia sekadar untuk memahami keadaan dan tahap pemahaman masyarakat terhadap emas dan dinar. Sepanjang setahun penglibatan kami dalam dunia emas rata-rata pemahaman masyarakat masih lemah hinggakan NILAI SEBENAR emas pun ramai yang masih samar.

Yang menariknya walaupun banyak seminar diadakan oleh pelbagai pihak seperti Pihak Universiti, Syarikat Pengeluar Emas dan penceramah-penceramah bebas tentang masalah wang FIAT, inflasi serta punca inflasi tetapi rata-rata yang hadir bagai faham emas itu bernilai untuk dijadikan hanya sebagai pelaburan. Tidak keberatan kami katakan mereka masih tidak memahami nilai sebenar emas. Kami ditemukan dengan kenapa masyarakat masih tidak jelas tentang emas dan salah satunya disebabkan oleh konsep "buy low sell high" masih diajar dalam buku-buku pelaburan dan diapdatasikan dalam blog-blog yang mengajar cara melabur dengan emas. Jika anda tahu masalah wang FIAT, adakah konsep "buy low sell high" ini masih relevan dengan emas? Tanya diri anda sendiri.....

Dan ianya juga disebabkan oleh harga emas yang semakin tinggi membuatkan mereka tidak lagi mampu membeli dalam kuantiti yang besar sehingga ada yang sanggup membuat pinjaman semata-mata untuk memiliki emas dan akhirnya terjerut dalam skim-skim emas yang banyak menipu untuk kepentingan sesetengah pihak. Dah paham emas masuk perangkap lain pulak dah….. Jika anda tahu masalah wang FIAT, adakah anda akan mudah tertipu dengan SKIM PELABURAN EMAS? Tanya diri anda sendiri.....

Dan setakat ini mereka yg datang mendengar ceramah dan seminar kami setakat ini yang diajar menyimpan emas dari hanya lebihan gaji bulanan amat berpuas hati kerana tidak perlu berhutang dengan mana-mana pihak untuk memulakan simpanan emas mereka. Rata-rata mereka dikalangan golongan berpendapatan rendah, golongan berpendapatan sederhana serta mereka yang baru mulakan alam pekerjaan yang tidak mampu membeli emas dalam kuantiti yang besar. Tak percaya? Tanya mereka :)

Terima kasih kepada pihak-pihak yang banyak membantu kami menyiapkan "research" yang mungkin akan membantu masyarakat kita dalam menyimpan harta sebenar. Tak kurang juga kepada putradinar-putradinar yang lain yang banyak membantu:

• Hamizah & Fazlin ( Business Strategy & Banking System)


• Syairazi & Naqib ( Marketing)


• Izham, Munky & Hafizee ( Invisible Putradinar)


• Abg Izwan & Mr Wantwo ( Jewelry co-ordinator)

Temui kami 3 & 4 April 2010 di Dataran Pahlawan, Melaka diatas jemputan pelajar-pelajar Islamic Banking MMU Melaka untuk program mereka “The Golden Revolution”.
link untuk atucara penuh klik sini

Mari mulakan simpanan Dinar Emas Logam Mulia .9999 anda...Ingin kami terangkan disini bahawa simpanan dalam bentuk Dinar Emas ialah salah satu cara yang baik kerana sifatnya yang kalis inflasi.




Mengapa kami menjual Dinar Emas .9999 Logam Mulia dalam kuantiti yang kecil?

• 1. Harga emas yang semakin tinggi saban hari membuatkan ramai yang tidak mampu memulakan simpanan emas, dan tidak wajar bagi kami hingga anda terpaksa membuat pinjaman bank untuk memulakan simpanan Dinar Emas .9999 anda.


• 2. Dengan kami anda diajar menyimpan Dinar Emas .9999 dari hanya lebihan pendapatan bulanan anda.


• 3. Dan yang paling penting Dinar Emas .9999 Logam Mulia (1Dinar, 1/2Dinar & 1/4Dinar) memudahkan pembayaran zakat emas anda.


• 4. Untuk makluman, Logam Mulia ialah penempa bertaraf LBMA(London Bullion Market Association) dari Jakarta, Indonesia. Ketulenan setiap emas yang mereka keluarkan adalah terjamin dengan sijil yang bertaraf LBMA. Pastikan setiap pemilikan Dinar Emas .9999 Logam Mulia anda disertakan dengan sijil ketulenan. Link ke web LBMA - http://www.lbma.org.uk/assocn/joiningfaq

Jika anda berminat mendapatkan Dinar Emas Logam Mulia .9999 setiap bulan bolehlah menghubungi wakil kami yang hampir dengan anda.

Category: 1/4 Dinar
Component: Emas Murni
Fineness: .9999
Weight(gram): 1.06
Dimension: 15

Category: 1/2 Dinar
Compenent: Emas Murni
Fineness: .9999
weight(gram): 2.13
Dimension: 20

Category: 1 Dinar
Compenent: Emas Murni
Fineness: .9999
weight(gram): 4.25
Dimension: 23

• Buat masa ini stok untuk 1 Dinar & 1/4 Dinar sudah dibooking sepenuhnya. 1/2 Dinar masih ada beberapa keping untuk dimiliki. Berminat sila hubungi nombor-nombor telefon disebelah atau beberapa rnagkaian sahabat DINAR EMAS .9999 dibawah:

http://thegolddinar.blogspot.com/
http://scogold-jewellery.blogspot.com/
http://jentayuemastrading.blogspot.com/
http://www.gtrapezium.blogspot.com/