Hafiz Zhou: Catatan Musafir : July 2013

Assalamualaikum dan Salam Sejahtera,

Pada 10 November 2009 yang lalu, Prof. Umar Ibrahim Vadillo telah dijemput untuk menyampaikan syarahan bertajuk " THE ECONOMIC REVOLUTION OF THE ISLAMIC GOLD DINAR" yang bertempat di Universiti Islam Antarabangsa. Jemputan ini adalah atas usaha Ass. Prof. Dr. Adi Setia dari Fakulti Sains. Majlis dimulakan dengan ucaptama oleh Cik Saima Arai dari Jepun.

Prof. Umar memulakan syarahan dengan sedikit sejarah mengenai wang kertas "Fiat Money". Diikuti dengan peranan Dinar dan Dirham sebagai matawang masa depan yang akan diterima oleh semua orang.

Secara peribadi saya bersetuju dengan pandangan Prof.Umar Vadillo. Masyarakat kini agak skeptikal apabila ada usaha usaha untuk mengembalikan Dinar dan Dirham.Pelbagai persoalan yang akan diaju seperti:

1) Kalau pakai Dinar dirham, macam mana kita nak berdagang dengan negara luar?

2)Bagaimana dengan sistem tukaran matawang asing?

3) Emas dan Perak berat untuk dibawa dan persoalan keselamatan si pembawa bagaimana pula? Kini ramai orang yang jahat, takut kena rompak.

4)Bagaimana kita nak beli barang dengan menggunakan Dinar dan Dirham?

5)Di mana kita boleh dapatkan Dinar Dirham?

dan pelbagai 1001 persoalan yang bermain di minda setiap orang.

Secara peribadi saya merasakan, kesedaran dan kefahaman masyarakat berkenaan Dinar dan Dirham masih di peringkat awal lagi. Menjadi tanggungjawab cerdik pandai antaranya seperti Prof Umar Ibrahim Vadillo (Penasihat Ekonomi Permodalan Kelantan Berhad), En. Abdul Halim Abdul Hamid (Pensyarah Kewangan dan Ekonomi Islam Universiti Multimedia Melaka), Pn Norizaton Azmin (Pensyarah Kewangan Universiti Multimedia Melaka),Prof Kameel Mydin Meera (UIAM) dan Pn Hjh Nik Mahani (Dinar Kelantan) dalam meneruskan wadah perjuangan menyampaikan ilmu kepada semua lapisan masyarakat.

Sebaliknya, keadaan berbeza di negara jiran kita iaitu Indonesia. Dinar Emas dan Dirham Perak bukan satu perkara asing buat mereka. Rakyat Indonesia telah mula menggunakan Dinar dan Dirham dalam urusan seharian mereka, dari urusan membeli barang-barang keperluan sehinggalah menerima gaji bulanan. Kesedaran ini bermula setelah matawang Rupiah kehilangan nilainya sedikit demi sedikit.

Sebagai contoh, menurut sahabat saya Saudara Krishna Adityangga yang merupakan tenaga pengajar di Sekolah Menengah Tinggi Hamfara, separuh dari gaji bulanan guru -guru dibayar dengan menggunakan Dinar dan Dirham.Masya Allah. Satu permulaan yang sangat baik dalam mengembalikan Dinar dan Dirham. Malah Koperasi Di Sekolah tersebut turut juga menerima Dinar dan Dirham sebagai matawang.

Dan yang paling menarik, usaha mengembalikan Dinar dan Dirham ini berlangsung tanpa mendapatkan pertolongan dan bantuan dari Kerajaan Indonesia. Para alim ulama, kiai kiai dan golongan profesional adalah majoriti terbesar yang menggerakkan dinar di Indonesia.

Begitu juga di Malaysia. Alhamdulillah, di bumi Malaysia yang bertuah ini, kita memiliki ramai cendekiawan dalam ekonomi Islam. Usaha mengembalikan Dinar dan Dirham ini perlu dilakukan oleh pelbagai pihak. Setiap pihak mempunyai peranan masing- masing. Begitu juga kami di Jentayu Emas Trading. Usaha kami yang kecil seperti mengajurkan seminar Dinar dan Dirham, menggalakkan rakan- rakan memilih Dinar atau Dirham untuk dijadikan sebagai Mahar kahwin, menunaikan Zakat dengan menggunakan Dinar dan Dirham, sedekah Jariah , waqaf dan simpanan sebagai alat lindungan nilai.

Malah kami dalam usaha dengan beberapa pihak untuk menjadikan Dinar dan Dirham ini boleh digunakan untuk tabung pendidikan dan tabungan bagi menunaikan Haji. Indonesia telah berjaya mengaplikasikannya apa yang digelarONH (Ongkos Naik Haji).

PERJALANAN SERIBU LANGKAH , BERMULA DENGAN LANGKAH YANG KECIL

Ucaptama oleh Cik Saima Arai dari Jepun.

Prof Umar Ibrahim Vadillo sedang menyampaikan syarahan

Seriousness of the Gold Dinar
Dr. Mahathir Bin Mohammed

- If the Muslims are going to protect themselves they must have sufficient wealth. Allah has endowed Muslim countries with inexhaustible wealth. These need to be administered for the good of the ummah.

- But wealth can also be acquired through commercial activities, through the production and distribution of goods and services and through trade.

- Today trade between Muslim countries is small. It is not suggested that we reduce our trade with the non-Muslims. But we should endeavour to increase the trade between Muslim countries.

- We can trade through the exchange of goods, through barter. But today we use money. Since we don't have a currency which is strong enough and stable enough in exchange rate terms, we have to use the American dollar. But the dollar is also not stable. Today the dollar has depreciated against many other currencies. This means that despite the increase in the price of oil for example, we are actually earning less due to the devaluation of the dollar. It is the same with the other currencies. It is the same with our own currencies. They all fluctuate in value. And they are all subject to speculation and manipulation as happened in Malaysia and other East Asian countries, in Russia and in Latin America.

- The reason for this is that paper currency has no intrinsic value. You can print any figure you like on currency notes but in exchange rate terms the figure means nothing. The Malaysian Ringgit is 3.8 to one U.S. Dollar. The Turkish Lira is 1.5 million to one U.S. Dollar. The Indonesian Rupiah is 9000 to one U.S. Dollar. The purchasing power within the country is different from the purchasing power outside the country. Sometimes countries have as many as four exchange rates -- one official, one for domestic economy, one for export and one for import.

Gold Dinar

- Clearly this situation in terms of international finance is chaotic and anarchic. But since the system benefits the powerful countries they are unwilling to correct it.

- If we want to avoid being short-changed we must have a currency that has intrinsic value. Gold does fluctuate in price but the fluctuation is minimal. It is not possible to devalue gold by one hundred percent or one thousand percent. Nor is it possible to revalue gold by the same percentage. The fluctuation in the value of gold can only be by a few percentages, up or down.

- When the Allied nations met in Bretton Woods to determine the principle for the rate of exchange of international currencies in order to facilitate trade, they decided to use gold as a standard. The value of the U.S. Dollar was fixed at one dollar for 1/35 ounce of gold or 35 U.S. Dollars per ounce. All other currencies were valued in gold through the rates of exchange with the U.S. Dollar.

- This worked quite well until some countries wanted to devalue their currencies in order to become competitive in the international market. Then other countries also decided to devalue in order to remain competitive. Finally the U.S. Dollar was devalued against the Gold.

- At this stage the gold standard could not be sustained. The market claimed that it could determine the exchange rate through the demand and supply of currencies freely traded in the market. But profiteers moved in and they manipulated the value of the currencies so that there was chaos in terms of exchange rates of currencies. Business became very difficult. Indeed many good businesses went bankrupt when the domestic currency gets devalued. The hedge Funds which claim to insure the value of the currencies made huge sums of money speculating and manipulating the values of the currencies.

- This anarchy in the international financial regime will remain because it benefits the rich and the powerful. If we want to protect ourselves we must evolve our own payment system, our own trading currency.

- The Gold dinar can provide the currency for trade between nations. If we value all trade items against gold, then we will have no problem with the exchange rate. We know that in the last resort we can melt the gold and sell it in the market. You obviously cannot do that with paper currency, worst still with figures on a computer. They have no intrinsic market value as gold has.

- But gold is bulky. We cannot be carrying gold all over the world in order to pay for goods we want to import. But we need not do that.

- It is not intended to use the gold dinar as currency for everyday transactions in the domestic market. For this we can use national currencies. If there is inflation then the currency can buy less gold and other goods. And vice versa. So there is no necessity to carry bags of gold coins for transaction within the countries.

- But even for international trade the transport of gold bullions or gold coins would be very minimal. Through bilateral payments arrangements the imports can be balanced by the exports and the differences settled in gold dinars. The Central Bank can provide a guarantee for the gold required for the payments of the balance. In the following weeks or months the deficits may be reduced or a surplus achieved. In that case the payments of the balance can be made through accounting arrangements between the Central Banks. It is only occasionally that a necessity might arise for the actual gold dinar to be used to pay for the purchase of imports.

- We cannot really verify the amount of money a country has. A country's own currency cannot be regarded as its reserve. But gold dinars or gold bullion or gold ingots can serve as a country's reserve. Still in the end we have to trust each other. If we are good Muslims then the cases of fraud by Central Banks would be minimal.

- Assuming that Malaysia exports to a Dinar Area country a hundred million Dinars worth of motor vehicles and then imports 110 million dinars worth of oil, then the payment required by Malaysia would be just 10 million dinars. The ten million dinars is credited to Malaysia's trading partner. If in the following month the trading partner buys 110 million dinars worth of Malaysian cars and Malaysia buys 100 million dinars worth of oil, then no payment need to be made by either party. The 10 million dinars that has to be paid by Malaysia's trading partner for the motor vehicle can be offset by the credit of 10 million dinars from the previous month's transactions.

- Today with computers we can close account and pay more frequently. Through this method it is not necessary to purchase or earn hard currency.

- Of course there may be some countries which are so poor that they cannot have gold dinars. We can buy some raw materials to be paid in gold dinars. They can be helped to build up the reserves of gold dinars.

- There will be problems. But if we begin with just a pair of countries we would be able to minimize problems and demonstrate whether it works or not. We will be able to identify the weaknesses and the faults and correct them.

- Gold is a precious metal. There has never been a time when there was no demand for gold. It is also not so plentiful that its price will fall the way paper currency or even other precious metals can fall. Yet it is not so limited in quantity that anyone or any trader can corner it and manipulate the price.

- In different countries the price of gold will differ in terms of the currency of that country. That is a function of the currency of the country. The value of one gold dinar is one gold dinar no matter what the exchange rate of a currency is against the gold dinar. If the value of goods or services is expressed in gold dinar, the value remains the same no matter which country is involved in the trade.

- Thus an exporter can declare the agreed price in dinar to the importer in another country and to the Central Bank in his country. Depending on the agreement reached the Central Bank will pay the exporter the current local currency equivalent to the gold dinar price. At the importer's end, he would pay to his country's Central Bank the local currency equivalent of the agreed price in dinar. At the end of the week or month the Central Banks will total up the value in dinar of the exports and imports between the two trading countries. If they are not balanced then the country with a surplus will have a credit account against the country with a deficit. The difference can be paid in dinar or in goods or the country with the surplus can hold the dinar for future purchase from the country in deficit.

- In multi-lateral trade, the process may be a little more complicated but it is entirely, manageable. A clearing house can be set up for a group of trading countries and the deficit and surpluses balanced. The process is not unlike the clearing of the cheques of numerous banks at a central clearing house.

- Provided there are goods or services to be supplied by all participating countries, the amount of gold dinars that needs to be kept as reserve backing and for payment in the last resort is very small. Ideally there would be no need to transport and pay in dinars. The imports and exports in most instances would cancel themselves. The profits come from disposing of the goods or services domestically when the local currency would be used.

- There will be problems of course. But there are problems now. Countries with no "hard currency" i.e. U.S. dollars cannot pay for their imports anyway. In addition the U.S. currency is not as stable as gold. Not only can it appreciate or depreciate widely but a country's currency can be made to depreciate so much against the U.S. Dollar that its imports cannot be paid for, priced as they are in U.S. Dollar. The gold dinar cannot depreciate much against the U.S. Dollar.

- Gold price can also be manipulated but not as easily as U.S. Dollar or other currency. No one can sell gold at below market price because he just will not be able to deliver when called upon to do so. Short-selling will be very difficult if not impossible.

- However local currency prices of gold can still fluctuate if left to the market. It is up to the country concerned whether to control exchange rates or not. But speculation and manipulation will not be as easy as when local currency is valued against the U.S. Dollar.

- It must again be stressed that the Gold Dinar is exclusively for international trade. It is not to be used as local currency. In a sense it is like the U.S. Dollar now. Some countries of course use the U.S. Dollar locally for paying hotel bills by foreigners. But the dinar is heavy and cumbersome to carry. So it cannot be used as freely as the U.S. Dollar locally. This again lends credibility to the dinar and the local currency, which has to be used for local payment.

- We should not be too ambitious as to launch the Gold Dinar for multi-lateral trade at one go. We should begin by pairing off the countries willing to use the Gold Dinar. A pair of good trading countries with a fairly well balanced trade should initiate the use of the Gold Dinar. Problems that arise can be resolved and the system improved. After the bugs have been got rid off then the trade using the dinar can be expanded gradually to involve more countries.

- Traders in particular will be happy because their prices in Gold Dinar would not be affected by changes in the exchange rates of the importing countries or the exporting countries. In dinar, the prices will always remain the same.

- It is not the intention to make the dinar a common currency for all countries. It is not really the Gold Standard with a fixed value against local currency. If countries print more local currency there would still be inflation within the country. But trade would be stable and enhanced. Speculators and manipulators will not be able to undermine international trade.

- Of course the Gold Dinar can be a trading currency, for all countries, not necessarily Muslim countries. But Muslim countries are in the best position to demonstrate the viability of the system. They are in a position to manage their economies rationally and in the process show the world that they are capable of growing with stability and in peace. And this will do more towards countering oppressions by their enemies than the futile violent retaliations.

Versi BM.email ni saya dapat daripada alumni sekolah saya(SEMSAS).
pakar-pakar ekonomi ALEPS.

1. Pakar2 ekonomi dunia meramalkan
akan berlaku krisis ekonomi yg teruk yg boleh
hancurkan ekonomi kapitalis. (mereka bukan Tuhan tapi
sekurang-kurangnya mereka ada fakta yg kukuh untuk
sokong pendapat mereka. Pakar ekonomi Islam yg
merujuk kepada Al-Quran dan hadis juga mengesahkan
perkara ini pasti akan terjadi)

2. Bila ekonomi kapitalis collapse, kita tak boleh ambik
duit dlm bank. Aku dengar ceramah Mr Matthias Chiang,
bekas penasihat politik Tun Dr M. Dia kata ni pasti
jadi dlm masa terdekat, 5 thn, tapi p! erkara ni tak
mungkin dicakap dalam perhimpunan agung umno. Dia ni
Christian Katolik yg anti-Zionis. Dia kemukakan bukti
berupa kenyataan2 oleh penasihat2 Bush, professor di
Havard dan Oxford, org2 kuat IMF, Bank Dunia dan
segala sifu zionis. Mrk kata system ekonomi kapitalis
akan collapse, keadaan dunia akan jadi lebih teruk
daripada krisis ekonomi dunia 1930s. Mamat ni masih
close dgn Tun Dr M dan tulis buku tajuk FUTURE
FASTFOWARD.

3. Aku juga jumpa Umar Vadillo yg terkenal di peringkat
dunia kerana mengkaji system kapitalis. Aku pernah
wawancara dia di Hotel Prince, KL masa dia dtg nak
jumpa Tun Dr M. Dia kata system kapitalis memang dah
nak hancur tak lama lagi. Jadi org sekarang beli duit
emas yg dikeluarkan oleh syktnya beribupejabat di
Dubai dan ada cawangan di Labuan. Dia kata kat aku,
org Malaysia yang paling byk simpan duit emas dalam
akaun syarikat dia ialah Dr M dan Pak Lah. Maknanya Dr
M dan Pak Lah memang ! well prepared untuk hadapi
kehancuran system kapitalis.

4. Seorang professor ekonomi di UIA, Prof Kamil ada tulis
buku pasal masalah duit kertas dan duit dalam bentuk
angka ni (duit elektronik). Dia kata duit dalam bentuk
angka tu sebenarnya tak wujud pun dlm bank. Duit
kertas yg kita simpan bawah bantal atau tabung di
rumah pulak akan menyusut dan menyusut dengan teruk
sekali nanti. RM1,000 hari ni tak boleh beli apa pun
di masa depan. Terkejut aku baca penerangan dia pasal
money creation oleh bank. Masalahnya, cerita pasal
ni tak keluar pun dalam akhbar arus perdana Malaysia
(i.e. berita harian, utusan, star, nst. Akhbar kita
hanya memetik sebijik2 laporan CNN, BBC, CNBC,
Reauters yang sebenarnya tak betul tu). Sekarang,
ekonomi sudah teruk. Nak tahu teruk atau tidak, jangan
tengok CNN, CNBC, Reauters dan sebagainya. Media macam
ni tak akan cakap perkara yg benar. Tapi bacalah
akhbar2 eksklusif utk geng2 Zionis! spt Herald, Weekly
Commentator, Jerusalem Post, etc. Akhbar ni boleh di
access via internet. Media mcm ni dibaca oleh
sifu-sifu zionis. Aku kemudian buat research sikit2
pasal money meltdown melalui internet. Lepas tu, aku
buat research pasal kekayaan dalam Islam. Aku dapat
tahu kekayaan sebenar ialah :-

1. tanah (lebih baik tanah tepi sungai atau yg ada
air mengalir berdekatannya)

2. emas dan perak

5. Mengejutkan, sekarang ini emas lah yang sedang
dikumpul oleh zionis. Rezab emas terbesar berada di US
dan Europe. Nak ambil emas, mereka tukarkan kepada
negara lain dgn duit kertas. Harus diingat geng2
Zionis itu lah juga yg memiliki bank. (Sila rujuk
buku2 atau rencana internet mengenai sejarah dan asal
usul bank)

6. Sudahnya, kita semua satu dunia, simpan duit kertas yg
menurut pakar ekonomi tak akan bernilai di kemudian
hari. (RUJUK RENCANA2 VIA INTERNET DI BAWAH TOPIC THE
DEATH! OF MONEY) Yg bernilai ialah emas, minyak dan
kemudiannya air bersih. (kerana air akan tercemar
dengan teruk di masa depan. BBC pada tahun 2001
melaporkan bahawa air Sea of Galilee (sebuah tasik
sebenarnya) di Palestin sedang surut dan tidak ada
tanda2 akan pasang semula. Saintis buat kiraan dalam
50 tahun lagi tak ada setitik air pun di situ. Middle
East dan Zionis akan bercakaran kerana air pulak!
Separuh kedua abad ini adalah era haus kerana tidak
ada air dan bergelap kerana tiada minyak menurut
kata penganalisis dunia).

7. Tahun lepas, aku attend seminar nuclear di hotel
renaissance. Seorang pakar Jepun kata minyak dlm bumi
ni hanya bertahan utk 30 tahun saja. Lepas tu, aku
tanya Tan Sri Penasihat Sains Negara, Tan Sri, apa
kita nak buat sebab kita tak ada polisi tenaga
nuklear? Dia jawab, no comment. You kena tanya
menteri. Aku call pejabat menteri, menteri lak pergi
US. Masa tu aku tengah tulis renca! na mengenai polisi
tenaga nuclear Malaysia sebagai persediaan hadapi
kekurangan minyak.

8. Aku juga pernah wawancara seorang ahli korporat yg
juga kawan baik atau mungkin juga kroni kepada Tun Dr
M. Datuk ni mengaku dia tak simpan duit kertas dlm
bank, tapi simpan duit emas. Keuntungan yg dia dapat
daripada aktiviti perniagaan pulak dibahagi-bahagikan
pada org miskin. I dont keep money, macam tu lah
dia kata kat aku. Lepas aku wawancara dia, dia bagi
hadiah kat aku tiga buah buku berkaitan duit kertas
dan kaitannya dengan RIBA (FAEDAH BANK). Buku tu
menerangkan bahawa RIBA (FAEDAH BANK), duit kertas dan
duit elektronik akan dengan sendirinya jadi penyebab
kepada kehancuran system ekonomi kapitalis nanti.

9. Bukti dah ada depan mata iaitu krisis ekonomi Asia
1997 angkara George Soros dulu. Datuk tu kata dia
tengah kaji Al-Quran dan dpt tahu apa erti kekayaan yg
sebenar. Bila baca surah Yusuf, dia terkejut dan baru
tahu kita semua kena simpan MAKANAN, bukannya DUIT
KERTAS or DUIT ELEKTRONIK. Mengejutkan juga bila dapat
tahu, US sekarang, selain emas dan minyak, sedang
MENYIMPAN MAKANAN SEBERAPA BANYAK YG BOLEH! Duit
kertas dan duit elektronik pulak dilambakkan ke negara
lain di mana tiga per empat daripada dolar sekarang
sedang berligar2 di luar US dan sedang menunggu masa
untuk collapse. (rujuk rencana2 mengenai krisis dolar
Amerika).

Hafiz Zhou: Catatan Musafir

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