BANK-INSTITUSI RIBA? BAHAGIAN 22

BANK SEMAKIN GOYAH

Jangan simpan duit bawah bantal nanti kena rompak..istilah ini biasa kita dengar dulu-dulu semasa bank masih belum berkembang. Tapi sekarang ini menjadi satu kewajipan kepada kita untuk membuka akaun dan membuat simpanan dalam bank kerana kita yakin inilah tempat yang paling selamat dan dipercayai bagi meletakan pendapatan yang kita perolehi. Mungkin kita tidak terlintas duit simpanan kita itu boleh hilang sekelip mata tanpa kita dapat berbuat apa-apa! Sebabnya kalau kita perhati ada terma ..hari operasi bank tidak tertakluk kepada cuti-cuti umum biasa, mempunyai maksud sebaliknya iaitu bank boleh menutup operasi walaupun hari kerja biasa! Ada juga terma yang lebih nyata iaitu 'Bank Holiday' ...iaitu mereka boleh isytihar bercuti jika ada keperluan...terloponglah kita kalau berlaku krisis bank pada hari tersebut dan kita tidak dapat berbuat apa-apa seperti yang telah terjadi di beberapa eropah.

UNDANG-UNDANG MALAYSIA-AKTA 369: AKTA CUTI 1951 (Termasuk perubahan sehingga 1 Januari 2006)

An Act to provide for public and bank holidays

Section 8: Minister may appoint special days to be observed as bank or public holidays

8. The Minister may, by notification in the Gazette or in such other manner as he thinks fit, appoint, in respect of Peninsular Malaysia, or the Federal Territory or, after consultation with the State Authority, in respect of a State, a day to be observed as a public holiday or a bank holiday in addition to, or in substitution for, any of the days mentioned in the Schedules and thereupon this Act shall, in Peninsular Malaysia, or in the Federal Territory, or in the State in respect of which a day is appointed to be observed as a holiday as aforesaid, be applicable to such day in the same manner as if the said day had been mentioned in the First Schedule or the Second Schedule, as the case may be.


Section 7: Payments, etc. on public or bank holidays

7. (1) Except where by regulations made under this Act or written contract it is expressly provided to the contrary, no person shall be compellable on a public holiday to make any payment under, or do any act in performance of, a contract:

Provided that nothing in this subsection shall be deemed to affect the terms and conditions of service under which a person is employed.

(2) No person shall be compellable on a bank holiday to make any paymentany act requiring a banking service. in or at a bank or to do in or at a bank
(3) The obligation to make such payment or to do such act shall apply to the day following such public or bank holiday not being a weekly or a public or bank holiday.

(4) The making of such payment and the doing of such act on such following day shall be equivalent to payment of the money or performance of the act on the holiday.

Mengapa cuti diasingkan mengikut "public" dan "bank", bukan public dan private?

Adalah langkah terakhir untuk mengelakkan pengeluaran wang secara besar-besaran oleh pendeposit apabila berlaku panik?

Ketika Great Depression 1920an...

"Franklin Delano Roosevelt's first act as President was to declare a national "bank holiday" – closing the banks for a three-day cooling off period"

Perkara ini berlaku di Amerika tahun 1920an. Adakah sejarah akan berulang dan yang lebih buruknya adakah Malaysia juga akan terlibat? 

Bank bercuti punya pasal, habis semua operation freeze, termasuk apa-apa terma bayaran di bawah apa-apa kontrak yang dimasuki oleh semua... kecuali kontrak pekerjaan.

Persoalan lain, macam mana majikan nak bayar gaji kalau kontrak jual-beli etc semua freeze? Kalau setiap pekerja file saman dan claim breach of contract berserta menuntut kerugian sampai umur pencen, tak mampus semua majikan?

Kita terpaksa membuat simpanan didalam bank kerana bimbang berlakunya kecurian oleh perompak, merupakan kebiasaan didalam negara sistem kapitalis. Mungkin kita tidak perasan, perompak merupakan sebahagian dari sistem yang melengkapi sistem kapitalis, mereka mungkin tertangkap tetapi mereka akan dijaga dan diberi makanan dan tempat tinggal oleh kerajaan! Tetapi dalam sistem khilafah Islam kebimbangan ini tidak wujud kerana hukum hudud Allah cukup menggerunkan kepada sesiapa yang berniat jahat. Sebab itulah selama lebih 1000 tahun zaman kegemilangan Islam bank tidak wujud; semuanya diuruskan melalui baitulmal dan juga sistem muamalah yang adil untuk semua pihak.

Bank merupakan teras kepada ekonomi riba-kapitalis semakin goyah menghadapi krisis ekonomi ciptaannnya sendiri. Langkah beberapa instituisi kewangan gergasi eropah mengeluar simpanan deposit secara besaran sepatutnya membuka mata kita sistem ekonomi riba-kapitalis ini kian runtuh. Terbaru syarikat kewangan Lloyd's mengeluarkan deposit tunainya dipercayai berjumlah £800m dari bank-bank eropah akibat kebimbangan terhadap krisis kewangan yang akan turut sama menyeret instituisi perbankan. Pengumuman Lloyd's itu menyusul berita sebelumnya bahawa syarikat kejuruteraan gergasi Jerman, Siemens telah mengeluarkan depositnya sejumlah €500m dari bank Societe Generale di Perancis.

Lloyd’s of London pulls deposits from Euro banks

LAST UPDATED 3:31 PM, SEPTEMBER 21, 2011

 WHAT HAPPENED?The insurance market Lloyd's of London has followed in the footsteps of other large institutions and pulled its deposits from some European banks, concerned at their ability to weather the deepening debt crisis gripping the eurozone.

Finance director Luke Savage told Bloomberg: "If you're worried the government itself might be at risk, then you're certainly worried the banks could be taken down with them.

"We have a very conservatively positioned balance sheet," Savage said, noting that Lloyd's holds around £800m of its assets in cash, which it has stopped depositing with banks in Europe's peripheral economies, though he declined to name the countries or banks.

 WHAT DOES IT MEAN?The Lloyd's announcement follows yesterday's news that German engineering giant Siemens had removed €500m from the French bank Societe Generale two weeks ago and placed the money in a European Central Bank (ECB) account, apparently alarmed by the financial health of SocGen going forward.

As panic increases within European financial circles at the prospect of a Greek default, which could see banks across the continent lose billions of euros, companies which use these banks to hold their short-term deposits are growing increasingly concerned that they could lose their money should a bank go to the wall.

Certain large companies such as Siemens which also operate their own banks are allowed to deposit money with the ECB - the German industrial group now has between €4bn and €6bn with the bank.

 WHAT NEXT?If more institutions follow the lead of Lloyd's and Siemens and begin to remove their money from banks across Europe, those lenders will have fewer funds to fall back on in the event of a Greek default.

Such a shock would soon transmit itself across the world economy, and would see the current debt crisis transform into a global event as banks stop lending to one another. 

 

 

SUMBER DAN ADAPTASI:

 

http://petunjukzaman.blogspot.com/2011/09/bank-semakin-goyah.html?showComment=1325472154139#c8970820826880120939

http://redherringmindcontrol.blogspot.com/2011/04/bank-institusi-riba-bahagian-7.html