Amaruddin Khalid - Shariah RFP

22/08/2026

Berita baik buat pengguna jalan raya di Kuala Lumpur! 🚗🛣️

Dewan Bandaraya Kuala Lumpur (DBKL) menyediakan peruntukan khas melebihi RM100 juta bagi menangani masalah jalan berlubang secara lebih menyeluruh.

Menerusi Program Turapan Lapan Jalan, kawasan seluas kira-kira 1.3 juta meter persegi, melibatkan laluan sepanjang 59 kilometer, bakal diberi nafas baharu.

Ini tentunya satu perkembangan positif buat warga Kuala Lumpur, khususnya pengguna jalan raya yang setiap hari berdepan dengan keadaan jalan yang rosak dan berlubang.

Semoga pelaksanaan projek ini dapat meningkatkan keselamatan, keselesaan dan kelancaran perjalanan pengguna jalan raya.

👍 Berita baik untuk KL!

13/08/2026

Why Financial Planning Needs a Strong Foundation

Good financial planning is not simply about choosing the right investment.

It is about having a systematic approach to managing your financial future.

As a Unit Trust Consultant and Shariah Registered Financial Planner, I believe a strong financial plan should be built on a few key principles:

Clear financial goals — knowing what you are actually planning for.

Consistent investing — building wealth through discipline rather than trying to time the market.

Risk management — protecting your income, family and assets from unexpected events.

Diversification — avoiding unnecessary concentration in a single investment or asset.

Data-driven decisions — making financial decisions based on facts, objectives and affordability.

Continuous review — adjusting your strategy as your income, commitments and goals change.

Just as ISO 9001 provides a structured foundation for organizations, financial planning provides a structured foundation for individuals and families to manage their wealth.

And as a Shariah financial planner, the objective is not only to pursue financial growth, but to ensure that the strategy aligns with Shariah principles, financial objectives and personal values.

The goal is not simply to have more money.

The goal is to build a financial system that is disciplined, sustainable, protected and purposeful.

Because financial freedom doesn't happen by chance.

It is built through a systematic approach.

10/08/2026

Higher Salaries Are Good. But Are We Becoming Financially Stronger?

Malaysia’s journey towards becoming a high-income nation is not just about increasing salaries.

It is also about what we do with the income we earn.

Higher productivity can lead to better wages. But higher wages alone do not automatically create financial security.

When income increases, we should also ask:

Are we saving more?
Are we reducing unnecessary debt?
Are we protecting our family?
Are we investing for the future?
Are we preparing adequately for retirement?

This is where financial planning becomes important.

From a Shariah perspective, wealth is not merely about accumulating money. It is about managing wealth responsibly, protecting what we have, and using it to create long-term benefit for ourselves, our families and society.

A stronger economy should ultimately create financially stronger households.

That means:

📈 Increase your earning capacity through skills and continuous learning.

💰 Manage your cash flow and avoid lifestyle inflation when your salary increases.

🛡️ Protect your income and family through appropriate financial protection.

📊 Invest consistently according to your financial goals and risk profile.

🏡 Manage major financial commitments such as housing and debt wisely.

🌱 Build long-term wealth and prepare early for retirement.

Productivity creates higher income.

Financial planning turns income into financial resilience.

As Malaysia moves towards becoming a high-income nation, perhaps the real question is not simply:

“How much do Malaysians earn?”

But also:

“How financially prepared are Malaysians with the income they earn?”

Because earning more is only the beginning.

Building, protecting and managing that wealth wisely is what creates long-term financial security.

07/08/2026

26/07/2026

Ibn Khaldun: The World's First Social Scientist?

Long before sociology, economics, or political science became recognised academic disciplines in Europe, Ibn Khaldun (1332–1406) had already developed a systematic way of studying how societies rise, flourish, and decline.

In his masterpiece, Muqaddimah, he argued that history should not simply record events—it should analyse the social, economic, political, and cultural forces that shape them. This approach is why many scholars regard him as the father of sociology and one of the earliest social scientists.

His contributions include:

📚 Explaining how social cohesion (asabiyyah) influences the rise and fall of civilizations.

💰 Analysing the relationship between taxation, economic activity, and state revenue.

🏛️ Studying governance, institutions, education, labour, and trade through observation and evidence rather than legend.

🔍 Encouraging critical evaluation of historical reports instead of accepting them at face value.

Why isn't his contribution more widely recognised?

There are several reasons:

• Much of modern social science developed later in Europe, where universities and academic institutions became globally influential.

• Many of Ibn Khaldun's works were written in Arabic and were not widely translated into European languages until centuries later.

• History has often highlighted European thinkers while overlooking earlier contributions from Muslim, Asian, African, and other non-Western scholars.

• His ideas were sometimes rediscovered independently by later scholars, who became more widely known in the global academic tradition.

Today, Ibn Khaldun's work is increasingly receiving the recognition it deserves. His insights into economics, governance, social cohesion, and institutional development remain remarkably relevant more than 600 years later.

Recognising Ibn Khaldun is not about diminishing the achievements of later scholars. It is about acknowledging that the pursuit of knowledge has always been a shared human endeavour, with important contributions from many civilizations.

21/07/2026

Khairul Aming & Maxis: Kenapa PDPA Bukan Sekadar Undang-Undang, Tetapi Amanah.

Kes yang melibatkan dakwaan kebocoran maklumat bil telefon Khairul Aming telah membuka mata ramai rakyat Malaysia tentang betapa pentingnya perlindungan data peribadi. Maklumat seperti jumlah bil, nombor telefon, alamat atau rekod pelanggan bukan sekadar "data". Ia adalah hak privasi seseorang.

Di sinilah pentingnya Akta Perlindungan Data Peribadi (PDPA).

PDPA diwujudkan bagi memastikan organisasi yang mengumpul dan menyimpan data pelanggan mempunyai tanggungjawab untuk melindungi maklumat tersebut daripada akses, penyalahgunaan atau pendedahan tanpa kebenaran. Kepercayaan pelanggan hanya dapat dibina apabila data mereka dikendalikan dengan selamat.

Kesan kebocoran data bukan hanya kepada individu yang terlibat. Ia boleh menyebabkan kehilangan kepercayaan pelanggan, kerosakan reputasi syarikat, tindakan undang-undang, dan kerugian kewangan yang besar. Dalam era digital, kepercayaan adalah aset yang paling bernilai.

Sebab itu, pematuhan kepada PDPA tidak sepatutnya dianggap sebagai satu "compliance exercise" semata-mata. Ia perlu menjadi budaya organisasi. Setiap pekerja yang mempunyai akses kepada data pelanggan mesti memahami bahawa mereka sedang memegang amanah, bukannya sekadar mengendalikan maklumat.

Dengan pindaan PDPA yang kini berkuat kuasa, organisasi juga perlu lebih bersedia dari segi tadbir urus data, pelaporan insiden kebocoran, pelantikan pegawai perlindungan data (DPO) bagi organisasi yang berkenaan, serta kawalan keselamatan yang lebih kukuh.

Pengajaran daripada kes ini jelas:

Data pelanggan bukan untuk dilihat, bukan untuk dikongsi, dan bukan untuk dijadikan bahan hiburan. Data pelanggan adalah amanah yang wajib dilindungi.

17/07/2026

Lembaga Tabung Haji (TH) hari ini merasmikan Pejabat Cawangan Kuala Terengganu yang baharu di Jalan Sultan Zainal Abidin bagi meningkatkan keselesaan dan kemudahan perkhidmatan kepada pendeposit.

Pejabat baharu yang dirasmikan oleh Pengarah Urusan Kumpulan dan Ketua Pegawai Eksekutif TH, Tuan Haji Mustakim Mohamad itu menawarkan ruang yang lebih luas dan kondusif, selaras dengan tekad TH menjadikan perjalanan para pendeposit lebih mudah, ringkas dan lancar.

15/07/2026

🚆 The Wait Is Almost Over: Johor–Singapore RTS Link Is Set to Transform Cross-Border Travel

For decades, crossing the Johor Causeway has been a daily challenge.

Long traffic jams. Hours spent at immigration. Unpredictable travel times. Lost productivity. Less time with family.

That is about to change.

The Johor Bahru–Singapore Rapid Transit System (RTS) Link is progressing steadily and remains on track for completion by the end of 2026, with passenger services expected to begin in early 2027. The railway will connect Bukit Chagar in Johor Bahru directly to Woodlands North in Singapore through a modern, high-frequency rail service.

So, what should Malaysians expect?

• Faster travel – The journey will take around 5 minutes, replacing hours of waiting on congested roads.

• Less congestion – The RTS Link is designed to carry up to 10,000 passengers per hour in each direction, easing pressure on one of the world's busiest land border crossings.

• More job opportunities – Workers can enjoy a more reliable commute, while businesses on both sides of the border gain access to a larger talent pool.

• Stronger Johor economy – The RTS Link complements the Johor–Singapore Special Economic Zone (JS-SEZ), making Johor even more attractive for manufacturing, logistics, technology, finance and data centre investments. More investments mean more high-value jobs and stronger economic growth.

• Property and urban development – Areas surrounding Bukit Chagar are expected to become vibrant commercial and residential hubs, creating new opportunities for businesses and investors.

This project is much more than another railway.

It represents a new era of regional connectivity, where Malaysia and Singapore become even more closely linked through trade, investment and the movement of people.

For commuters, it means less time in traffic.

For businesses, it means greater efficiency.

For Johor, it marks the beginning of a new chapter as one of Southeast Asia's most important economic gateways.

The future is arriving—one train at a time. 🇲🇾🇸🇬

14/07/2026

LINDUNG 24 Jam: Bermula 13 Julai 2026, Pekerja Tempatan Boleh 'Opt-Out'

Mulai 13 Julai 2026, pekerja tempatan yang tidak mahu meneruskan caruman Skim LINDUNG 24 Jam PERKESO boleh memilih untuk keluar (opt-out) melalui sistem dalam talian dengan melengkapkan Perakuan Pelepasan Liabiliti.

Namun, sebelum membuat keputusan, fahami dahulu kesannya.

Apabila anda memilih untuk keluar daripada skim ini, anda tidak lagi akan mendapat perlindungan PERKESO bagi kemalangan yang berlaku di luar waktu bekerja. Sekiranya berlaku kemalangan, kecederaan atau kematian di luar skop pekerjaan, manfaat di bawah skim ini tidak lagi boleh dituntut.

Bagi mereka yang memilih untuk kekal, skim ini terus memberikan perlindungan 24 jam terhadap kemalangan bukan berkaitan pekerjaan dengan kadar caruman yang telah ditetapkan.

Tiada keputusan yang sesuai untuk semua orang. Pilihan terbaik bergantung kepada keperluan, tahap risiko pekerjaan, perlindungan insurans sedia ada dan kemampuan kewangan masing-masing.

Sebelum membuat keputusan untuk opt-out atau kekal, pastikan anda benar-benar memahami manfaat dan risiko yang terlibat.

12/07/2026

The National Stroke Association of Malaysia (NASAM) can play an important mediator and care coordination role for stroke patients and their families, although it is not a legal or medical referral authority.

Its role includes:

- Bridging hospital and community care by supporting stroke survivors after they are discharged from hospital.

- Coordinating rehabilitation services, including physiotherapy, occupational therapy, speech therapy, counselling, and telerehabilitation.

- Connecting patients with caregivers and peer support groups, helping families adapt to the long-term effects of stroke.

- Advocating for stroke survivors, raising awareness about stroke prevention, early rehabilitation, and the message that "There is Life After Stroke."

- Acting as a liaison between patients, caregivers, therapists, volunteers, and community resources to ensure continuity of care after hospital treatment.

In practice, a stroke patient discharged from a government or private hospital may be referred to NASAM for affordable long-term rehabilitation, caregiver education, emotional support, and community reintegration.

NASAM complements hospital services rather than replacing them, helping patients continue their recovery journey over the months and years following a stroke.