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Showing posts from December, 2010

10 dirty little secrets about working in IT

10. The pay in IT is good compared to many other professions, but since they pay you well, they often think they own you
9. It will be your fault when users make silly errors
8. You will go from goat to hero and back again multiple times within any given day
7. Certifications won't always help you become a better technologist, but they can help you land a better job or a pay raise
6. Your nontechnical co-workers will use you as personal tech support for their home PCs
5. Vendors and consultants will take all the credit when things work well and will blame you when things go wrong
4. You'll spend far more time babysitting old technologies than implementing new ones
3. Veteran IT professionals are often the biggest roadblock to implementing new technologies
2. Some IT professionals deploy technologies that do more to consolidate their own power than to help the business
1. IT pros frequently use jargon to confuse nontechnical business managers and hide the fact that they screwe…

Jaminan dalam hidup

Apakah jaminan dalam setiap keputusan yang dibuat?
Dalam seluruh hidup manusia yang memerlukan keputusan untuk dibuat, tiada jaminan sepenuhnya ianya betul atau tidak betul, tapi andainya masalah timbul akibat keputusan yang dibuat ketika itu kita tahu apa yang perlu dilakukan.

Doktor yang memberikan pilihan keputusan kepada pesakit atas rawatan terbaik yang dibuat, TIADA jaminan ianya akan berjaya, tetapi ketika masalah itu berlaku doktor jamin yang dia tahu apa yang perlu dibuat.

Master Chef yang memberikan resipi pada pembantunya, TIADA jaminan yang ianya akan sesedap yang dikehendaki, tetapi ketika makanan sudah tersedia kekurangan rasa akan dapat diatasi dengan penambahan ramuan ketika itu.

Pembangun perisian memberikan solutian atas masalah sistem yang berlaku, tetapi TIADA jaminan ianya tidak ada masalah, dan kita akan tahu jika ada yang menyebabkan msalah berlaku lagi, kita akan mengatasi ketika itu.

Masalahnye...bolehke orang diluar skop kerja2 yang TIADA jaminan ini, menerim…

Concepts Used in Islamic Banking Products

"Wadiah Yad Dhamanah" It means savings with guarantee. It refers to a contract between the owner of the funds (account holder) and the Bank for safe-keeping purposes. In this instance, the accountholder as depositor places his deposits on basis of trust. Maybank, as trustee, guarantees the repayment of the whole amount of deposits, or any part thereof, upon request.


"Mudharabah" This is an agreement made between 2 parties, 1 to provide the capital (financier) and the other (the Mudarib), using their business acumen, to provide the management. The profit-sharing ratio is agreed upon before hand. Capital losses are borne solely by the financier. In the case of our deposit products, it refers to a profit-sharing agreement between the Bank (Mudarib) and the depositors (financier) for the Bank to invest depositors' funds to generate profits.


"Bai-Bithaman Ajil (BBA)" It means deferred payment sales. It refers to the sale of goods on a deferred payment bas…