Sheikh Dr Abdul Sattar Abu Ghuddah
The Lost of the Father of Islamic Finance Shariah Scholars
I have heard about his death this morning. I didnt want to believe it. I have checked with many other colleagues overseas. I am sad the news is true.
I felt very sad. Very sad. No one has ever left the Shariah finger print on my Shariah personality as much as he did.
I met with him for the first time in Labuan circa 1995. He needed my help to translate his paper into English. I went to his room and I was so nervous. I was 31 years old then and he was one of the great scholars of Islamic finance on this planet. I spent two hours with him. We spent 30 minutes on the paper and the rest we talked about life. He embraced me in his world of Islamic finance. I felt strongly that I must follow his footsteps.
Not long after that, I was invited to join many Shariah Boards together with him such as Dow Jones Islamic Market Index, Noor Bank, BNP Paribas (Bahrain), AAOIFI, Dubai Bank, Unicorn Bank (Bahrain), Guidancd Financial (USA), etc. It was always fulfillig and insightful to learn from his great knowledge and wisdom.
I also learnt from him in great deal the real meaning of simplicity and humility. He is known for this character. I dont know how to describe this character in words.
On one occasion, I was chairing one meeting and he was one of the members. I have pronounced one word in Arabic wrongly. He was sitting next to me. He brought down his face to my shoulder and made that important correction quietly and subtly without anyone else noticing. He was so examplary. I always told this story to many upbecoming scholars in Islamic finance: be humble in all conditions.
He has passed away. He brought with him tons of knowledge to the graveyard. He is a true scholar in knowledge and attitude.
May I ask everyone of you - wherever you are - to pray for his soul. When he was living amongst us, he is so resourcefull and soul-full.
He is my teacher & my mentor. He is also my friend & inspiring board members in many Shariah Boards of the world. He lives at the airports more than his residence.
May Allah the Almighty bless his soul & grant sabr to his family.
MDB
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very inspiring meaning 在 Joyce看世界就是不一樣 - Joyce Yang Facebook 的最佳解答
【Crowdfunding May be the Key to Kickstart Your Dream 29歲的女生大學畢業後因對未來的迷茫得了憂鬱症,自己設計了一個紙製的筆記本,30天內募資到140多萬台幣,第2輪募資,她獲得超過美金65萬近台幣2千萬】
It is not an easy path to turn a business idea and realise it into an actual business. Numerous entrepreneurs face the same challenge – not having enough funds to kickstart their business ideas. Therefore, crowdfunding is often the solution for entrepreneurs to assist them to take the first leap through the power of people utilising social media channels and crowdfunding websites.
“Crowdfunding the is the use of small amounts of capital from a large number of individuals to finance a new business venture. Crowdfunding makes use of the easy accessibility of vast networks of people through social media and crowdfunding websites to bring investors and entrepreneurs together, with the potential to increase entrepreneurship by expanding the pool of investors beyond the traditional circle of owners, relatives and venture capitalists” (Smith, 2020).
To explain the concept of crowdfunding more straightforwardly, Dresner said that “Crowdfunding, simply put, is pooling the financial resources of many individual to convert an idea into a project or business. Instead of relying on a few large donors, it requires many small ones.” (Dresner, 2014, p.3)
One online retailer in particular that had experienced entrepreneurial pitch and crowdfunding success which has a popular Instagram presence caught our attention and spawn our interest to look closer. It has an attractive brand name, Passion Planner (Passion Planner | More Than Just A Planner, 2020).
When you go online to Passion Planner’s website and Instagram account, your attention will instantly focus on the amazing images and the inspiring quotes. Their slogan “your paper life coach” is so catchy and hard to forget. We are drawn to the outlook and the inner meaning of the brand from this online retailer which is concentrated on selling one thing only – paper-based planners.
Passion Planner has a very humble start. Back in October of 2013, the first Passion Planner launched on Kickstarter, a global crowdfunding platform which is focused on creativity projects. Within a month, Passion Planner had raised $48,000 with the help of 2,000 individuals. One year later, the Passion Planner Compact received $650,000 of funding. Since then, Passion Planner has evolved from an idea to a team of 28 motivated employees and a global community of over one million people (Our Story | Passion Planner, 2020).
Passion Planner的CEO是一個29歲的女生Angelia Trinidad,2012年大學畢業後她因為對未來的迷茫和不確定,得了憂鬱症,在這個時候,她在找紙製的筆記本,希望可以更好的幫助她規畫生活,但是,市面上的紙製的筆記本都沒有達到她的要求,所以她決定自己做。
Angelia自己設計了一個紙製的筆記本,並把它放到募資平台Kickstarter,30天內,2000個人的支持,Angelia募資到美金4萬8千元,大概是140多萬台幣,第2輪募資,她獲得超過美金65萬,近台幣2千萬。
現在,這個以紙製的筆記本為主的公司,擁有28位全職員工,全球超過1百萬社群的品牌。
千萬不要小看任何一個夢想,只要你去做了,全宇宙都會來幫你。
閱讀全文👇👇👇
https://www.joyceseestheworld.com/post/crowdfunding-may-be-the-key-to-kickstart-your-dream
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【為什麼「別擔心錢了,去旅行吧」是個蠢到不行的建議
Why “Don’t Worry About Money, Just Travel” Is the Worst Advice of All Time】
(Sources: Rob@flickr, girllostinthecity.com)
(Time.com, Jul. 1, 2015) —by Chelsea Fagan
I have an internet acquaintance that I’ve been following on social media for a little over two years now, an all-around nice, smart girl who blogs and does odd jobs and has recently decided to go back get a Master’s. In Europe. For a degree that, by all reasonable accounts, is probably not going to lead to a great job. And she knows this, I think, because she talks about it as “an opportunity to learn and expand her mind,” more than any sort of preparation for a future career. Which is fine, but the truth of the matter is that she is able to enjoy such freedom — to be a wanderer of sorts who enjoys travel, study for the sake of study, and long conversations over good dinners — because she comes from a good bit of wealth and, if not subsidized entirely, never has to worry about her safety net. She won that particular bit of genetic lottery, and it’s useless to begrudge her the freedom that fate bestowed on her.
我有個網路上認識兩年多的女性友人,是個在社群網站上人緣頗佳且聰明的女孩,只做些打工、寫寫部落格過日子,最近又決定回去修個碩士學位。那是個位於歐洲,且是個無論怎麼合理的解釋也肯定對未來找到好工作一事永遠派不上用場的學位。而且我想這位女網友也知之甚詳,因為她描述起這學位時,只提到說「想有個機會擴展心靈」,而非是要用來準備將來就業所需。乍看之下這女孩的一切令人稱羨,但上述中她之所以能夠享有這樣的自由,像是漫無目的的出國旅行、為了念書而念書、花費很多的時間討論美味晚餐…,這些全因她來自有錢的家庭。這女孩就像是中了基因的樂透一樣,她的自由自在是投對胎所致的,所以一般人對其毋需羨慕也毋需妒恨。
But it is useful — important, even — to begrudge her the attitude that comes with it, one that is all too prevalent amongst young people who do not have to worry about the foundations of their future financial security: This idea that you must travel, as some sort of moral imperative, without worrying about something as trivial as “money.” The girl in question posts superficially inspiring quotes on her lush photos, about dropping everything and running away, or quitting that job you hate to start a new life somewhere new, or soaking up the beauty of the world while you are young and untethered enough to do so. It’s aspirational porn, which serves the dual purpose of tantalizing the viewer with a life they cannot have, while making them feel like some sort of failure for not being able to have it.
但真正有用甚至可說必須的是,去妒羨像這個女孩背後代表的這種生活態度。在美國就有一大群奉行這樣教條式信念卻又衣食無憂的年輕人,他們認為:趁年輕就要出國旅行、不必擔心金錢這種小事。這女孩在自己飲食作樂的照片上面,寫滿了膚淺的勵志小語貼文,像是:「拋下所有束縛,逃脫一切吧!」;「辭去妳討厭的工作,去另一個新天地展開新的人生吧!」;「趁著妳依舊年輕且無拘無束的時候,就該沉浸在世界的美麗之中」。這種意識型態活脫就是「夢想生活的情慾賁張」,且在其背後隱藏著雙重意涵,一是要去誘惑、折磨那些過不起這種生活的人們,而其二就是要讓他們自責受挫,認為自己為何不能像那些人一樣「想走就走」。
It’s a way for the upper classes to pat themselves on the back for being able to do something that, quite literally, anyone with money can buy. Traveling for the sake of travel is not an achievement, nor is it guaranteed to make anyone a more cultured, nuanced person. (Some of the most dreadful, entitled tourists are the same people who can afford to visit three new countries each year.) But someone who has had the extreme privilege (yes, privilege) of getting out there and traveling extensively while young is not any better, wiser, or more worthy than the person who has stayed home to work multiple jobs to get the hope of one day landing a job that the traveler will assume is a given. It is entirely a game of money and access, and acting as though “worrying about money” on the part of the person with less is some sort of trivial hangup only adds profound insult to injury.
「為了旅行而旅行」只不過就是上層階級彼此自我標榜的行為,不過他們卻沒有意識到這只不過是另一項「只要有錢就能做到」的事情。出國旅行本身稱不上是成就,也不保證會讓你變成更有文化、更與眾不同的人(有些最駭人、最有聲名的遊客也就是那種每年都有辦法去三個新國家觀光的族群);同樣的,趁年輕出國旅行並不表示你更有智慧、更成功、更高人一等,那只代表你有錢有優勢、有資源這樣做而已。那些非常努力、身兼數職才能得到那些經常出國旅行的人覺得理所當然屬於他們的工作的那些人,就真的較低下嗎?出國旅行完全就只是個金錢跟門路的遊戲,卻有人把實質上深深困擾多數人的經濟問題,講成「瑣碎不重要的小事」,這只會加深社會的貧富傷口。
I was able to travel, and even though I paid for my life abroad with my own work, it was still a result of a healthy amount of privilege. I was from a middle-class family who I did not need to support or help financially, I knew that I could always slink back to their couch if things didn’t work out, and I had managed to accrue a bit of savings while living at home for the few months before I left. There are millions of people who have none of these things, and even if they wanted to pay for travel on their own, would simply not be able to because of the responsibility or poverty they lived with. For even my modest ability to see the world, I am eternally grateful.
我曾經出國旅行,但即使我是自食其力的工作賺旅費出遊,我知道這一切終究還是一種特權,這都是因為我來自一個中產階級的家庭。我不需要在金錢上去資助或協助家裡,就算狀況再怎麼壞,我至少都有爸媽家的沙發可以回去依靠,況且我外出旅遊前我也能藉由住在家裡擠個月來利用利息累積身上的存款。可是這世界上有成千上萬的人沒有我所具備的上述條件,而且即便是他們想要自費出國「見見世面」,也會因為他們與生俱來的責任感或窮困而裹足不前。因此對於能夠出去見識這個世界的小小能力,我一直心懷感激。
And what’s more, I understand (perhaps even better after having traveled a good amount) that nothing about your ability or inability to travel means anything about you as a person. Some people are simply saddled with more responsibilities and commitments, and less disposable income, whether from birth or not. And someone needing to stay at a job they may not love because they have a family to take care of, or college to pay for, or basic financial independence to achieve, does not mean that they don’t have the same desire to learn and grow as someone who travels. They simply do not have the same options, and are learning and growing in their own way, in the context of the life they have. They are learning what it means to work hard, to delay gratification, and to better yourself in slow, small ways. This may not be a backpacking trip around Eastern Europe, but it would be hard to argue that it builds any less character.
更甚者,我了解到(也許是在經歷了好一些旅行之後變得更加了解),一個人有沒有出國旅行的經驗,根本就跟你是什麼樣的人沒有關連。不論是否天生如此,有些人就是肩負著更多的責任和承諾,以及較少能自由分配的收入。而且也是有人因為要養家活口、或是還學貸、還是要盡早達到經濟獨立,所以選擇留在自己可能不喜愛的工作崗位上,不去旅行。這並不表示他們想要學習跟成長的渴望輸給那些常旅行的人。這只不過是他們沒有相同的選擇,而改用他們所擁有的生命型態自我學習與成長而已。他們學習的課題是努力工作的意義,學習先苦後甘,慢慢地,以細微的方式讓自己變更好。這聽起來固然不像東歐背包行一樣酷炫,但是無法否認這樣做也能形塑同等的人格特質。
Encouraging that person to “not worry about money,” or to “drop everything and follow their dreams,” demonstrates only a profound misunderstanding about what “worrying” actually means. What the condescending traveler means by “not worrying” is “not making it a priority, or giving it too much weight in your life,” because on some level they imagine you are choosing an extra dollar over an all-important Experience. But the “worrying” that is actually going on is the knowledge that you have no choice but to make money your priority, because if you don’t earn it — or decide to spend thousands of it on a trip to Southeast Asia to find yourself — you could easily be out on the streets. Implying that this is in any way a one-or-the-other choice for millions of Americans is as naive as it is degrading.
在鼓勵別人「別擔心錢」或是「拋開一切,來去追夢」的行為背後,表現出來的是一種對於為了金錢「擔心」的深刻誤解。那種居高臨下的旅遊鼓吹者說出「別擔心」的同時,意味著「別把錢排在第一位,或是在生活中別把錢看得太重」,因為在他們某種程度的想像裡,你是因為想多省一些錢而放棄了重要的人生體驗。但是對於「真正在擔心錢」的人來說,這其實代表著他們別無選擇而必須把錢擺在第一位,因為要是他們真的狠下心灑錢來去東南亞進行一趟尋找自我之旅,接下來就很有機會流落街頭。把這種真正的「擔心」拿來當成一種這樣也好那樣也好的個人價值觀選擇,不僅是想法太過天真而且還相當地侮辱人。
Everyone needs to forge their own path to financial independence and freedom. And perhaps you are lucky enough that your path involves a lot of wandering around, taking your time, and trying a bunch of new things — because you know that security will be waiting for you at the end of the rainbow. That’s fine, and there is no need to feel guilt or shame over your privilege, if only because it’s unproductive and helps no one. But to encourage people to follow your very rare path, because you feel it is the only way to spiritual enlightenment or meaning, makes you an asshole. It makes you the person who posts vapid “inspirational” quotes that only apply to a tiny percent of the population who already has all the basics covered. And God forbid anyone who needs the money actually does follow that terrible advice, they won’t be like you, traipsing around South America and trying degrees for fun. They will, after their travels are over, be much worse off than when they started. And no souvenir keychain is going to make that reality sting any less.
每個人都需要打造自己通往經濟獨立與自由的前程。也許有些幸運的人們是可以在自己的路途上繞來繞去,好整以暇,還是嘗試些新玩意兒,因為他們知道在彩虹盡頭處也是一片康莊祥和的安全道路在等待著。反正沒有關係,擁有優勢不必感到有罪惡感或深以為恥,就算是這種優勢被利用成並無生產力也沒有對他人產生助益。但是鼓勵別人也走上他們這條稀罕至極的道路,只因為他們認為這是唯一可以通往精神啟蒙、發現人生意義的路,那就真的混帳加三級了。這種心態讓他們淪落成那種發表乏味枯燥勵志小語的人,只能跟一群本來就已經夠有錢的人相互取暖。再說上帝有知也會禁止那些真正需要擔心錢的人聽從這些糟糕的建議,他們可不比有錢的傢伙們,能去漫步遊蕩全南美洲找著各式各樣的樂子。他們在旅程的最後會發現,從另一個地方回來之後,一切變得比出發時還更糟。道時再多的紀念鑰匙圈都拯救不了現實椎心的殘酷。
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very inspiring meaning 在 コバにゃんチャンネル Youtube 的精選貼文
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