Hukum Amanah Saham Bumiputera : Harus (LATEST)
Folks, I just received an e-mail about the Hukum for investments in Amanah Saham Bumiputera (ASB) and Amanah Saham Nasional (ASN). I’d like to share with you of the news article. I’m not sure from where this article is from, so if anyone can confirm, do share in the comments section. The fatwa was released by the Majlis Fatwa Kebangsaan and the hukum is HARUS.
Here you go:
Melabur dalam ASB, ASN harus: Fatwa
Oleh Suhana Roslan
KUALA TERENGGANU: Majlis Fatwa Kebangsaan semalam memutuskan hukum melabur dalam Skim Amanah Saham Nasional (ASN) dan Amanah Saham Bumiputera (ASB), termasuk pembayaran dividen dan bonusnya, adalah harus.
Berikutan itu, umat Islam tidak perlu ragu-ragu mengenai status pelaburan kedua-dua skim berkenaan.
Pengerusi Majlis Fatwa Kebangsaan, Prof Datuk Dr Abdul Shukor Husin, berkata keputusan itu dibuat selepas pihaknya meneliti dan mempertimbangkan semua kesan daripada pelaburan berkenaan.
Beliau berharap tiada pihak membangkitkan lagi isu kononnya hasil skim pelaburan itu haram.“Umat Islam boleh menyertai skim pelaburan ini dan tidak perlu ragu-ragu terhadap status pelaburan yang dibuat serta dividen atau bonusnya,” katanya pada sidang media selepas mempengerusikan Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Islam Malaysia ke-80 di sini.Hadir sama, Ketua Pengarah Jabatan Kemajuan Islam Malaysia (Jakim), Datuk Dr Muhamad Datuk Sheikh Abdul Aziz dan Setiausaha Jawatankuasa Fatwa, Datuk Wan Mohamad Sheikh Abdul Aziz. Muzakarah selama tiga hari itu dihadiri semua mufti.Abdul Shukor berkata, Majlis Fatwa Kebangsaan juga memutuskan pembangunan secara komersial membabitkan tanah wakaf yang diwasiatkan untuk pembinaan masjid dan surau adalah harus.Beliau berkata, isu itu pernah dibangkitkan kerana wasiat khusus seumpama itu menghalang tanah wakaf terbabit dibangunkan secara komersial.
“Tanah wakaf ini sekiranya dimanfaatkan untuk pembangunan, mampu menjana pendapatan ekonomi negara, sekali gus mewujudkan pelbagai peluang pekerjaan kepada penduduk setempat,” katanya.
Beliau berkata, jawatankuasa juga memutuskan pembangunan tanah wakaf seperti masjid dengan tambahan projek pembangunan dan penambahbaikan dengan jaminan harta wakaf itu kekal adalah diharuskan dalam Islam.
“Bagaimanapun, syarat pembangunan mesti merujuk kepada niat asal pewakaf bagi memastikan kehendak mereka ditunaikan sekali gus memberi kepuasan kepada semua pihak.
“Projek pembangunan yang akan dilaksanakan berpandukan kepada keperluan yang ditentukan pemerintah dan tidak bercanggah dengan syariat Islam dengan mengekalkan ciri-ciri pewakaf seperti kebajikan amal jariah mereka,” katanya.
Beliau berkata, muzakarah turut memutuskan penggunaan barangan yang mempunyai lambang agama lain seperti salib secara zahir dan jelas adalah dilarang penggunaannya oleh umat Islam.
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- ASB : Amanah Saham Bumiputera
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- ASB Rates for Previous Years
- Calculating ASB Dividends & Bonus
Filed under Unit Trusts (ASB, Public Mutual and others) | Comments (25)25 Responses to “Hukum Amanah Saham Bumiputera : Harus (LATEST)”
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I heard from a bumiputra friend before that the investment return for ASB are quite high as compared to those (e.g. public mutual fund). That’s why for bumiputra, there is no point for them to invest in other mutual funds. Do you know how true is this?
finally, we got the answer =)
@ChampDog
ASB returns in the past are quite high but they average out at around 7 to 8 percent. That is quite high for a low-risk fund. Not to mention, the fact that there’s no mumbo-jumbo charges like other unit trust funds. However, whether it is quite high compared to other unit trust funds, I guess it all depends on which funds you are comparing. If you compare ASB with Public Ittikal for example, then Public Ittikal has outperformed ASB but Public Ittikal is a much riskier fund.
I think the main reason for bumiputeras investing in ASB is the fact that their capital is protected. Unit prices are fixed at RM1.00 per unit.
@Najib
Yes Najib, finally we got the answer. Lega sikit hati :P
I thought the return of ASB as high as more than 15% something like that. Anyway, thanks for the clarification. Yes, you’re right that 7% to 8% is quite high for low-risk fund.
Nah, it never achieved that high. The highest ever return from ASB was at 13.25% which was way back in 1996. Since then, the returns have been trending downwards.
Here’s a post on ASB rates for previous years.
http://www.nadlique.com/index.php/2007/12/19/asb-rates-for-previous-years/
However, Bank Rakyat does offer a product that gives you 15% dividend rate per year. Don’t know what it is called. I’m assuming that it’s a low-risk fund. If I’m not mistaken, as of now, there’s a long queue (waiting list) of people wanting to get in. So, I guess it’s near to impossible to get on board.
where ASB invest our money??
They are invested in equities, debentures, bank acceptances, negotiable certificates of deposits and other negotiable instruments approved by Bank Negara Malaysia.
I know that the maximum amount of deposited is Rm 200000.00 in Amanah Saham Bumiputra. If there are more than Rm 200000.00. Does this more than Rm 200000.00 divident being calculated?
If it had being calculated then is it the same amount of percentage divident as Rm 200000.00? Hope to hear from you.
Thank you
Hi there annie,
For ASB, the dividend is calculated based on the whole amount. For example, if the balance in your ASB account is RM300,000 and say the dividend rate is 5%, then the dividend will be 5% of RM300,000 (assuming the RM300,000 is the average balance for the past year).
Also refer to this post:
http://www.nadlique.com/2007/12/31/calculating-asb-dividends-bonus/
hi..can u tell me about the ’skim pembiayaan asb with maybank’. thanks..
You can repost your question here:
http://www.nadlique.com/2007/10/31/asb-amanah-saham-berhad
i already invest in ASB, and got the Annual Report of ASB… However, when I have a look, ASB invest our money in a few place, including Malayan Banking. If i’m not be mistaken, isn’t it Maybank share is not being approve by syariah?
A.S.B haram !!!
Segala hasil yg haram yg mengalir dlm darah setiap manusia,,,tetap haram selamanya.
Insaflah….
KamarulZaman
Ada cara lain untuk dapat untung !!!
Hubungi
Mohd Radzuan bin Ahmad Tajudin
Head of Islamic Capital Market Department
Suruhanjaya Sekuriti
3, Persiaran Bukit Kiara, Bukit Kiara
50490 Kuala Lumpur
Tel +603-6204800
Fax +603-6201 1818
Website : http://www.sc.com.my
AMANAH SAHAM NASIONAL DAN AMANAH SAHAM BUMIPUTERA ADALAH HARUS MENGIKUT MAJLIS FATWA KEBANGSAAN. ALL INFORMATION YOU CAN REACH AT http://www.e-fatwa.gov.my. SO NO NEED TO RAGU2X OR WAS2X ANYMORE….
ASB hukumnya Harus oleh Majlis Fatwa Kebangsaan mungkin mengambil kira kemashalatan umum sebab ramai org2 Melayu yg taraf ekonomi masih rendah, yang duduk di kampung2 & tak exposed dgn alternatif pelaburan lain dll.
Tapi refer to http://zaharuddin.net(Securities Comission tak benarkan Bank2 Islam keluarkan loan untuk pelaburan ASB kerana tak Syariah Compliance).
Lagi satu setiap Selasa 9am ke 9.30 am mmg ade slot kewangan Islam di Radio Ikim, panel dari Hijrah Wealth tu ade cakap antara masalah ASB ni simple je, sbb antaranya ASB melabur kat Maybank & Maybank tu involved dgn Riba so fakta dah jelas.
Kadang2 mmg pening nk pk tp bg aku “tepuk dada tanya iman”. ;)
Aku mmg dah lame ade ASB tapi tinggal bpe puluh ringgit je skang, & mmg x topup dah & rasanye nak tutup la nnt.
Dear sir,
I have ASB book as portuguese eurasian and wish to know if I can also invest in malay reserve land or enjoy 5% discount on residential house?
Oohh, that’s a hard one.
Don’t quote me on this, but I think you would qualify for the 5% discount but not the malay reserve land. Do check with others who are experts in this field.
i want to ask..
i made asb loan for rm10K..
repayment is rm64 monthly..for 20years as i still study..
what make me confuse is..
20 x rm64 x 12 =rm15360
but at the agreement state, i have to pay around rm23K in total or harga jualan
i not understand what its all about..
pliz help me,where the bank get money cover the remaining..
is maybank take the dividend gain?
Majlis Fatwa sebelum keluarkan hukum tu, mereka dah ambil kira semua perkara. Bukan main keluar hukum begitu saja. Jadi hukum HARUS tu harus diterima.
Harap pihak tertentu gunakan akal dan bukan emosi.
Saya setuju dgn Iskandar.
alhamdulillah…. syukur saya jumpa maklumat nie.. da lama melabur kat ASB, tapi br2 nie ade org mengatakan ASB tue haram… risau juga kalau duit yg diterima dr ASB tue haram
memang lah senang kalau fatwa atau keputusan di buat mengikut nafsu dan kehendak kita…tapi kenapa kita tak boleh ambil sikap lebih berhati hati?? drp menanggung azab yang pedih di akhirat, tempat yang kita tak dapat kembali darinya…gunakanlah akal bukan nafsu!
siapa yg buat fatwa mengikut nafsu dan kehendak?
anda rasa patutkah anda melemparkan tohmahan sebegitu rupa ke atas orang lain? menuduh orang lain tak menggunakan akal?
pelaburan adalah harus…….tetapi jk asn asb melabur dengan syarikat judi,arak@syarikat yang mengaut keuntungan dalm bende yang haram,jadi lah pelaburan itu haram!!!!