It has been while since I scribbled stuff on this blog. Been busy, I put off writing stuff in favour of doing something else. It’s bad though, very bad, considering I have a long list of things to write about.
So what happened since then? PH government doing a very bad job, some of the ministers are downright ‘tin losing’ (empty cans, made a loud noise but otherwise empty on the inside) and the state of our politics have been made worse with many of the folks on my Facebook Newsfeeds talking about nothing but ‘Melayu tu, Cina ni’ and Islam tu, kapiaq ni’. It’s super depressing, we can’t seemed to get past this divisive nature of race and religion politics. Remember people, we can do race politics without the divisive nature of it. But alas, people are not logical, we are psychological.
Alright, back to the topic at hand, Tabung Haji. The just announced ‘hibah’ (gift of money to depositors) to be exact. Historically, 2018 was the lowest, by a mile, at 1.25%. A lot has been said about why 2018 hibah was pretty poor, go and read them up. What it all boils down to, TH’s asset and liability position only allowed them to give that much.
For those who are a little behind on TH asset and liability situation and the related transfer of its asset (about RM20 billion) to an SPV can read up on it HERE. Pretty well written and can be easily understood by most I believe.
What I wanted to touch on is THIS Facebook posting by Ely. I do not know her personally, however seeing a few of my friends quoting the article and commenting on TH, I was then inspired to write again. A big thank you to Ely Raziah.
So to start with, Ely, right of the bat, attacked all accountants, finance and banking folks. among the words written includes ‘jumud’, too much adhering to guidelines, can’t see the big picture and close minded. She then also knocked on these accountants for being too black and white, and not seeing the greys. And the thing that really made me want to write this reply is, these accountants are too much into ‘technicalities’.
Okay let’s stop there, I don’t want to regurgitate too much or else I’ll literally start to vomit. She keeps on talking about technicalities stopping us to see the big picture. She wants us to ignore the technicalities because the big picture or end goal is much more important. End goal of enriching the economy of the muslims is what she’s alluding to.
Let us be clear, technicalities that she’s referring to is what we call standard or guidelines or rules. Imagining not playing a game according to the rules. Yes, the goal of a football match is to score a goal, imagine when we have a team who suddenly use their hands to carry the ball into the goal area and claim a win. When asked, oh don’t talk about the technicalities, it’s important we know the big picture objective. It’s to win right? So we won lah.
A more real and grounded example, imagine someone selling you a car but not wanting to tell you the year it was made. When asked, “Ahhh those are technicalities, the big picture is you want to buy a car right? The mileage you don’t need to care lah, it’s technicalities. just buy this good car!”. So what do you think? It’s fun if we are on the side of the car seller lah.
This situation of ignoring the technicalities or closing one eye on the technicalities is what destroying us. It’s the least Islamic thing to do. Especially when we do it to achieve our goals. The end never justifies the means (Matlamat tidak menghalalkan cara). It’s the most unIslamic things to do. Talk about man-made, this is exactly it. Ikut suka mak bapak nak buat apa is the most Malay and Malaysian thing and it’s not Islamic at all. We can’t change the rules just because we wanted to do something.
Just because we want to put a few billion ringgit into the muslim economy this Ramadhan we change the rules? Just because we want to build a few masjid we change the rules? just because we want to increase the amount that goes to zakat we change the rules?
Rules are there for a reason, changing it and not following it as and when we like, kinda defeat the purpose for it to be there in the first place. No one wants to play a game where the rules change as and when the players like, especially when only one side can change the rules as they like, especially when that side changes the rules silently. It’s almost the same as cheating! and it’s a slippery slope to be on.
Lastly, another issue with Melayu, when something is wrong, just swept it under the carpet or under the table. This is public’s money, not your children’s money and certainly not your children exam result. It’s not similar to the analogy that Ely made about the parent and child.
So it’s not something that can be done under table. Get our head screwed right, all government bodies out there are to be scrutinised by the people. If something is wrong, it’s better if it’s out there, and if something is so good and right, it’s also better if it’s outside there.
So yeah, it is not a case of ‘how one approaches the issue’. It’s about declaring hibah the right way according to the rules. If the government wants to give the Muslim’s community economy a few billions ringgit, do it the right way. There are many ways it can be done but obviously not by cheating on the rules of TH. Remember, the end does not justify the means, no matter how noble the end goal is.
And please don’t equate TH and KLSE as the kids of the government. Now it kinda made sense why she hates the finance people so much. She probably doesn’t understand it much. Let’s hope she will one day understand how it works.
Sorry Ely, in this case our minds don’t think alike and it’s probably because I use my brain while you use your heart.
Peace be unto you and all.
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