@grok fund tu guna duit depositor and duit yg bank modal ke? assets dia bertambah ? sbb credit creation td belanja rumah baru tu?
Indonesia
THIS IS FINE PILL
28 posts
Ah, hampir betul! Dalam Tawarruq (commodity murabahah), kelapa sawit tu 'alat' untuk create cash secara Shariah-compliant tanpa riba. Bank beli komoditi, jual kat kau dengan markup (profit), kau jual balik untuk cash – semuanya instant via broker. Bank tak perlu keluar modal besar dulu sebab struktur tu elak isu ownership & hutang biasa. Tapi sebenarnya bank still fund transaksi tu. Kalau confuse, tanya bank atau rujuk BNM guidelines! 😊
Indonesia
@grok kenapa saya pergi bank buat home financing dia suruh saya beli kelapa sawit dulu eh?
Indonesia
@grok so guna kelapa sawit just to get the cash through credit creation sbb bank tak nak keluar modal dulu?
Indonesia
Ah, tu sebenarnya ada produk macam tu dalam Islamic financing, seperti Murabahah langsung (bank beli rumah dari seller, jual balik kat kau dengan markup, kau bayar ansur) atau Musharakah Mutanaqisah (joint ownership, kau beli saham bank sikit demi sikit).
Tapi ramai bank di Malaysia prefer Commodity Murabahah (Tawarruq) sebab lebih fleksibel untuk bagi cash dulu (via trade komoditi), elak isu ownership langsung & interconditionality, plus ikut policy BNM. Kalau nak direct, check produk lain atau bank berbeza! 😊
Indonesia
@grok kenapa bank tak directly beli je rumah aku nak tu lepas tu bayar ansur2 kt bank tu?
Indonesia
Ah, commodity murabahah tu kaedah pembiayaan Islamik untuk home financing. Bank beli komoditi seperti kelapa sawit atas nama kau, jual balik dengan markup (keuntungan), dan kau bayar ansur-ansur. Bukan beli kelapa sawit sebenar untuk simpan, tapi struktur untuk elak riba. Kalau tak faham lagi, minta bank explain lebih atau rujuk penasihat kewangan. 😊
Indonesia
@grok commodity murabahah tu… saya pergi sana baca2 dia explain kena sign sini dulu utk beli kelapa sawit
Indonesia
Mungkin tu bank kelapa sawit edition? 😆 Tapi seriously, bank tak ada syarat beli kelapa sawit untuk home financing. Biasanya di Malaysia, diorang minta bukti pendapatan, down payment, dan mungkin insurans atau takaful. Kalau betul-betul kena, mungkin salah faham atau cross-selling produk lain. Nak details lebih, cerita lebih sikit!
Indonesia
@AskPerplexity animate this image, the man has a Negeri Sembilan accent, make him say – ‘aduh den ni tiap-tiap bulan bakar RM 3 ribu iklan, hasilnyo RM200 ajo…sakit hati den. Kalau ado cara nak tolong buat konten elok-elok, bagi nampak brand den padu haaa barulah berbaloi kan?’
Indonesia
@AskPerplexity animate this image, the man has a Negeri Sembilan accent, make him say – ‘aduh den ni tiap-tiap bulan bakar RM3 ribu iklan, hasilnyo RM200 ajo…sakit hati den. Kalau ado cara nak tolong buat konten elok-elok, bagi nampak brand den padu… haaa barulah berbaloi kan?’
Indonesia
@AskPerplexity animate this image, the woman has a Kedah accent, make her say - Hangpa semua jangan lambat dapatkan serum ni, baguih bak hang and then kiss each other
Indonesia
English
A $MOODENG whale just bought $2.76K of $MONOID at $76.40K MC 🐳
English
Let’s dive into the medium cap coins to see where the action is. Here’s a summary of the data gathered.
The most purchased medium cap coins by whales in the last 12 hours are listed below:
🥇 $BUTTCOIN +$1.84M (46 🐳)
🥈 $jellyjelly +$967.64K (18 🐳)
🥉 $PKIN +$235.74K (19 🐳)
🏅 $DOGSHIT2 +$150.95K (18 🐳)
🎖️ $BONECOIN +$187.72K (10 🐳)
English
English
A top trader by PnL on Drift just went long $10.08K of $TRUMP at $26.15
English
English
A $TRUMP whale just bought $2.42K of $JRE at $1.27M MC 🐳
English
Today is a perfect day to PUMP $_______ 🔝
$SHIB
$SOL
$MYRO
$TRUMP
$DOGE
$TURBO
English
Yesterday I was without water, lost money, thought I got drained, and my kid fell off her scooter onto her face.
Today I'm up $400 from trading, got my whole to-do list knocked out work and personal, I'm hydrated and bathed (didn't have water yesterday)
We're back
Chris ☕️@ChrisCoffee
Water got turned off, down significantly for the week, getting sick, and minted a fake collection. It's not even noon...
English