BIZNEWZ'S FIRST EDITION DECEMBER 2019 - JUN 2020 FLIP EBOOK

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@convertkit

a Healthy Mind

By:
Norchahaya Johar1
Nur Syikri Harun2

Fathiyah Ismail1
Azlina Shamsudin1
Marha Abdol Ghapar1
(Faculty of Business and Management, UiTM Cawangan Terengganu1)
(Academy of Language Studies, UiTM Cawangan Terengganu2)

Photo by Hannah Olinger
@hannaholinger

Did you, as a teenager, ever write work, relationships, etc. A journal is usually
in a diary or an exercise book private and not for others to read, but lately with
all your pent-up feelings and the introduction of online journal platforms or
thoughts? Did you ever feel good blogs, it has evolved to a place where people tell
after writing them down on papers their stories to the whole world.
as if all your burdens have been lifted and you
could face the world again? Well, if you did it Anyway, whatever the reasons are, there are many
but have abandoned it because of time and other benefits of journaling – it serves as a method
commitments, I think that you should consider for improving writing skills, boosting memory,
taking it up again. You’d be surprise that there recording ideas, and stimulating creativity.
are many benefits of keeping a diary that we’re However, not many are aware of the fact that
not aware of. journaling has also been used as a form of therapy
for mental disorders. In more recent times,
Writing a diary is an ancient tradition dating back doctors have recommended journaling to patients
to hundreds of years. A diary or a journal is simply struggling with depression. Patients are required
a written document of all events in your life, your to write down every emotion and thought so that
feelings, thoughts, emotions, and memories. they could keep track of their moods and what
Contrary to a popular belief, it is not just for has made them unhappy. By writing them down,
teens. Famous writers, scientists, explorers, and they can reflect on negative thoughts, come to
leaders of nation have been known to have kept terms with issues that have troubled them, and
diaries about events in their lives. Today, the term learn ways to better control their moods. Not
‘journaling’ has been more commonly used to only that, journaling is also good for people with
describe ‘writing in a diary’ although it has been anxiety issues, stress, burnout, and other mental
used interchangeably. People do it for different disorders.
reasons. Some people do it because they want to
remember or relive what they’ve done throughout But why journaling? After all, it’s just a matter
their lives. Others do it because they need an of writing on a piece of paper! How can it be
avenue to vent their frustrations about school, good or even better for our mental health as

97

compared to doing exercise or a balance diet? day. You can choose anytime of the day that you
Well! According to Serena Dorf in her article feel most comfortable to write your thoughts and
“Can Journaling Improve Your Mental Health?”, feelings, such as before going to sleep at night.
“writing a journal requires the application of the Third, make a timeline for writing, for example,
rational left side of your brain, which is basically write for 10-20 minutes every day. The fourth tip
the analytical part of your mind. While your left is to choose the platform for writing. Today, there
brain (left hemisphere) is ‘busy’ or ‘occupied’, are various methods to choose from. You can go
the right brain (right hemisphere), which is with the traditional way of journaling, which is
the creative and sensible side of you, will be by using a pen and a diary or notebook or try the
free to wander and play”. Basically, journaling latest applications, such as Journey, Day One,
stimulates creativity and self-reflection which Diarium, and many others available online that
over time increases confidence in controlling our suit your needs and wants. Best of all, there are
thoughts, emotions, and behaviour. no rules to journaling.

However, the problem with journaling is that it is ...So, what’re you waiting for? Let’s start our
time-consuming because it takes an effort to put
ideas into words. Furthermore, sometimes you journaling journey for better mental health.
may even experience a writer’s block, especially
when you feel that there’s nothing interesting References:
to write about. That may have been the very 1. Serena Dorf (2020). Can journaling improve
reason some of us have abandoned journaling
in the first place. However, here are four tips your mental health. Source from: https://
to get you started. First, you should view your thedoctorweighsin.com/can-journaling-improve-
writing time as a relaxing pastime like listening your-mental-health/
to music or watching movies. That will make 2. Kasee Bailey (2018). Five powerful health
you feel excited when it’s time to write. Second, benefits of journaling. Source from: https://
establish a routine for writing, if possible. For intermountainhealthcare.org/blogs/topics/live-
example, writing on the exact same time each well/2018/07/5-powerful-health-benefits-of-
journaling/

98

Gift Red Ribbon PNG Image
From pngimg.com

BONDA BONDING:

PEMANTAPAN PELAJAR
TAHUN AKHIR BERSAMA
PENASIHAT AKADEMIK

Oleh:
Zuraida Mohamad
Roseziahazni Abd Ghani
A’tiqah Rashidah Abu Samah
(Fakulti Pengurusan dan Perniagaan, UiTM Cawangan Terengganu)

Program Bonda Bonding: Pemantapan dari mentor yang sentiasa mengambil berat
Pelajar Tahun Akhir Bersama (caring) terhadap kebajikan mereka;
Penasihat Akademik merupakan • Memberi sokongan moral dalam bidang
aktiviti pertama julung-julung akademik dan bukan akademik sebelum
kalinya dianjurkan oleh penasihat menduduki peperiksaan akhir; dan
akademik BA1145A Cawangan Terengganu • Sebagai tanda penghargaan dan sumbangan
kampus Dungun. Program ini berlangsung kebajikan penasihat akademik di atas
dengan jayanya pada 11 dan 12 Disember 2019 kejayaan pelajar sehingga ke tahap sekarang.
bertempat di Rumbia Resort Paka, Terengganu.
Pelajar yang terlibat adalah pelajar Diploma
Objektif Penganjuran: Analisa Pelaburan kumpulan BA1145A seramai
• Mewujudkan semangat bantu membantu dan 28 orang dan turut disertai oleh penasihat
akademik bersama tiga (3) pensyarah yang
saling hormat menghormati antara rakan- mengajar: Puan Roseziahazni Abd Ghani, Puan
rakan fakulti terutama di kalangan pelajar A’tiqah Rashidah Abu Samah, dan Puan Ira
yang lemah dan berjaya; Mazliana Mhd Atan.
• Membina keyakinan diri dalam menghadapi
masalah, hasil dari bimbingan dan sentuhan

99

MASA PERKARA

11 Disember 2019

5.00 petang Check in
7.30 – 9.00 malam
9.00 malam Solat berjemaah dan santapan
10.00 malam rohani daripada penasihat
akademik

Makan malam dan acara tukar
hadiah antara pelajar

Bersurai

8.00-10 pagi 12 Disember 2019
10.30-11.00 pagi
11.00-1.30 pagi Tips persediaan dan menjawab
soalan subjek FIN379 dan FIN376

Tea break

Sesi perbincangan antara pelajar
Mentor-mentee

2.00 petang Bersiap untuk check out

100

Kesimpulan
Program berbentuk santai dan ilmiah dapat
membantu pelajar dalam memotivasikan diri
bagi menghadapi peperiksaan semester akhir
pada semester ini. Hasil daripada program pelajar
lebih terbuka untuk berinteraksi dan berbincang
dengan pensyarah pensyarah. Selain daripada
akademik, harapan kami agar dapat melahirkan

...pelajar berkeperibadian baik bukan sahaja sebagai

pelajar malah sebagai ummah yang berjaya.

101

102

MICROSOFT
EXCEL

DESIGN AND
INNOVATION
COMPETITION
(MEDIC) 2019

103

Oleh:
Zuraida Mohamad
Roseziahazni Abd Ghani
A’tiqah Rashidah Abu Samah
(UiTM Cawangan Terengganu)

Program Microsoft Excel Design and
Innovation Competition (MEDIC) 2019
ini diadakan bagi memenuhi penilaian
projek berkumpulan sebanyak 30 peratus
daripada jumlah penilaian pelajar. Program ini
dirancang secara bersiri bagi menggalakkan pelajar
dalam mengaplikasikan kemahiran kreatif dalam
penggunaan Microsoft Excel yang merupakan salah
satu mekanik penting dalam bidang pekerjaan. Pelajar
dibahagikan kepada kumpulan masing-masing dalam
meyiapkan projek dan dinilai oleh sebelas (11) panel
jemputan yang berpengalaman.

104

Objektif Penganjuran
1. Membantu pelajar mengaplikasikan ilmu

yang dipelajari di dalam kelas;
2. Menggalakkan pemesatan aktiviti inovasi di

kalangan pelajar;
3. Memberi pendedahan kepada peserta

mengenai aspek produktiviti dan kualiti
dalam kemahiran data analisis; dan
4. Mengiktiraf keupayaan mencipta cara
bekerja baru atau menghasilkan inovasi
serta kebolehan menyelesaikan masalah atau
membuat penambahbaikan kerja.

Program ini berlangsung pada 28 November 2019
dan dihadiri oleh PM Dr. Hjh Klipah Ibrahim
(Timbalan Rektor Akademik), Puan Nurul
Syuhada Baharuddin (Koordinator Program
Ijazah Sarjana Muda), panel penilai, pensyarah-
pensyarah, dan pelajar-pelajar UiTMCT.

Pelajar yang terlibat adalah pelajar Ijazah
Sarjana Muda (Kewangan) yang mengambil
matapelajaran Introduction to Business Analytics
(FIN534) seramai 106 pelajar. Panel penilai
yang terlibat adalah Puan Nurul Ulfa Abdul Aziz
(Ketua Juri), Dr. Md Noh Abdul Majid, Encik
Khalid Amit Mat, Puan A’tiqah Rashidah Abu
Samah, Puan Raslina Mohamed Nor, Cik Noor
Malinjasari Ali, Puan Nurmuslimah kamilah
Abdullah, Puan Roseziahazni Abd Ghani,
dan Puan Zuraida Mohamad selaku Pengarah
Program.

Kesimpulan
Produk atau sistem yang dipertandingkan oleh
pelajar akan dibawa ke peringlat yang lebih tinggi
seperti IID atau mana-mana pertandingan inovasi
yang dijalankan. Ulasan daripada ketua juri amat
membantu pelajar sebagai ‘added value’ terhadap
projek untuk dipertandingkan di peringkat luar
samada di peringkat universiti dan sebagainya.
Selain dapat memenuhi pemarkahan pelajar, ia
juga secara tidak langsung dapat memupuk dan
membantu pelajar agar lebih peka dan kreatif

...dalam persediaan di alam pekerjaan nanti.

105

106

CONCEPT PAPER OF INTRO
A SURVEY AMONG MU

By:
Najdah Abd Aziz
Syafiz Omar
Nur Syahirah Shazsa Zahrin
(UiTM Cawangan Terengganu)

Photo by Shivam Garg
@dephinite_default

ODUCING RAKAAT TRACKER:

USLIMS IN TERENGGANU

Abstract deeds do away with misdeeds. That is a reminder
Rakaat tracker is designed to improve the quality for those who remember”.
of Muslims in performing their prayer. The main (Hud:114)
purpose of this idea is to reduce any doubt on the
number of rakaat during prayer. It is a smart kit Problem Statement
with electronic system to remind the prayer about Prayer is a root of Islam. It is an obligation of
the number of rakaat that have been done. This Muslims to perform it daily as that action can
small kit is put at the end of the prayer mat and avoid them from any bad attitude and behaviour.
it can detect the movement of user head during At the same time, it shows how Muslims follow
prostrate by infrared sensor detector. This sensor guidelines and direction stated by the Creator.
is connected with application Arduino nano During performing prayer, sometimes Muslims
system for counting the rakaat performed and the face a problem in ensuring the number of rakaat
user can see it through LED. This product targeted that has been done. This situation can create
to all Muslims around the world especially those confusion and doubt in their mind and disturb
who having a problem of confusing on their rakaat their focus in prayer. Thus, regarding from that,
performed such as Alzheimer people. The price is raakat tracker is introduced to minimize this
affordable, and it is user friendly. This product issue.
is competitive and contributes more benefits to
all Muslims in improving their quality of prayer. Objectives:
Hopefully this product receives a good response 1. To avoid Muslims that perform prayer from
from the consumers and become popular in the
future. forget the count of rakaat that have done
2. To help Muslims perform their prayer without
Introduction
Allah Has made Prayer (Salah), which is one of any doubt on the rakaat counting
the Five Pillars of Islam, compulsory on his slaves 3. To help Muslims improve the quality of their
and ordered them to establish it and perform
it well. The Prayer (Salah) is one of the most prayer
important things which our Prophet Mohammad 4. Manipulate the technology of the world for
(PBUH) had explained to the people, verbally
and practically. the benefits towards Muslims
5. To help Alzheimer’s patient and children
Salah (Arabic term for Muslim Ritual/Islamic
prayer) is a spiritual practice performed by learn the ways of Islamic prayers.
Muslim believers which must be performed at
least five times a day. Each prayer comprising a Literature Review Finding
certain number of repetitive units called Rakaat
with a minimum of 17 times every day. The Author and Year The study found salah
number of total Rakaat is approximately 48 Osama & Malik (2019)
Rakaat per day which includes all mandatory and
optional Rakaat. Every Muslims must perform movement (Rakaat)
the salah perfectly as cited in Quran. Allah has
said in His noble text: improve balance in healthy

“And establish prayer and give zakah individuals as well as
and bow with those who bow (in
worship and obedience)”. stroke patients, decreases

(Baqarah:43) the chances of development

“And establish prayer at the two ends of the day of knee osteoarthritis, and
and at the approach of the night. Indeed, good
provide cardiovascular and

compositional benefits.

Kamran (2018) Prayers are comprised of
several movement (Rakaat)
and posture. This would
enhance flexibility and
general muscle fitness.

Pandey et al. (2017) The study found that religious
meditation and prayer
movement (Rakaat) could be
beneficial in improving the
overall health and wellbeing.

109

Photo by afiq fatah
@under_afiq

Methodology ...users, there will be high demand of the product.
In collecting the information for producing rakaat
tracker, we have conduct a survey randomly with References:
a few Muslim respondents to know the problem 1. Kamran G. (2018). Physical benefits of (Salah)
that they have face during performing prayer.
Most of them have a problem in memorizing the prayer - Strengthen the faith & fitness. J Nov
number of rakaat that have been performed. At the Physiothe Rehabil. 2018; 2: 043-053. DOI:
same time, a simple questionnaire also distributes 10.29328/journal.jnpr.1001020.
among them in getting detail information that 2. Pandey A, Singh AK, Kumar S, Chaturvedi
can be used in producing rakaat tracker. We also M, Verma, S, Agarwal P, Jose R. (2017). The
refer to any related articles to get ideas on the prevalence of cervical spondylosis in Muslim
components that should be used and also the way community with special reference to Namaz in
this product operated. Agra. IJRCI.2017;5(1):OA1 DOI: 10.15305/
ijrci/v5i1/196
Novelty 3. Osama M, Malik RJ. (2019). Salat (Muslim
• User friendly, easy to use, high mobility and prayer) as a therapeutic exercise. J Pak Med
Assoc. 2019; 69:399-404
affordable.
• Based on this item, we have found that

this item has close substitute based on past
competition.
• This product also shows that it fits with
“Innovation by creative minds” theme.

Usefulness
The rakaat tracker is basically a product that
helps muslims to count their rakaat during solat.
With this ability, it could eliminate doubtful
feelings during their ‘ibadah’. It can also
improve muslims’ confidence level during solat
and lessen the probability of being disturbed by
outside environment. This product also help’s the
Alzheimer’s patient to display their rakaat count.

Societal contribution: The potential of this item
is that it can help muslims around the world to
improve the quality of prayers. The rakaat tracker
is also affordable. Plus, it is user friendly

Commercialization
The potential of this item is that it can help
Muslims around the world to improve the quality
of prayers. The rakaat tracker is also affordable
and user friendly. The main target customers of
this product are Muslims, Alzheimer’s patient
and children who are using it to learn basic
ways in prayers. In terms of competitiveness, we
build this product due to the lack of other close
product. In doing so, this particular product able
to help people and at the same time strive through
success. To begin, this product has high potential
in the market and because it focuses on certain

111

Photo by Levi Clancy

“MENCURAH BAKTI, MEMBINA INSANI”

AKTIVITI KESUKARELAWANAN SANI EXPRESS DENGAN
KERJASAMA FAKULTI PENGURUSAN DAN PERNIAGAAN

UiTM CAWANGAN TERENGGANU

Oleh:
Wan Anisabanum Salleh (Dr.)

Haslenna Hamdan
Noorimah Misnan
Suhaily Maizan Abdul Manaf
Muhamad Hafiz Aizat
(UiTM Cawangan Terengganu)

Pengenalan
Penubuhan pasukan Sukarelawan SANI
EXPRESS dengan kerjasama Fakulti
Pengurusan dan Perniagaan (FPP) UiTM
Cawangan Terengganu telah memberi impak
yang besar kepada para pelajar hafazan dan
masyarakat sekeliling. Beberapa pelajar FPP
telah menyertai aktiviti kesukarelawanan ini bagi
menyampaikan sumbangan kepada insan-insan
yang memerlukan. Penubuhan pasukan ini juga
telah mendapat sokongan dan kerjasama yang
baik dari Puan Haslenna Hamdan (Ketua Pusat
Pengajian, Fakulti Pengurusan dan Perniagaan,
UiTM Cawangan Terengganu, 2017-2019) dan
barisan pensyarah yang turut serta turun padang
menyampaikan bantuan.

Pengisian sebelum Aktiviti Sukarelawan
Dimulakan
Pasukan ini ditubuhkan sebagai satu wadah bagi
membina sahsiah Islamiah, kebajikan, disiplin
dan kesedaran perjuangan agama, bangsa,
dan negara yang berteraskan keagamaan dan
kecemerlangan. Ada antara pelajar-pelajar yang
berminat mengikuti aktiviti sukarelawan pada
asalnya bukanlah pelajar yang cemerlang dalam
akademik dan hafazan Al-Quran. Oleh itu,
pengisian seperti penggunaan model i-Tasmi’
Tahfiz, majlis tazkirah, majlis berbuka puasa,
solat hajat dan terawih berjemaah dilaksanakan
supaya ada perubahan ke arah akhlak yang baik
dalam diri mereka kerana Allah SWT.

113

Program Tasmi’ Tahfiz Al-Quran (TTA) 2017- Setiap kumpulan bebas untuk memberikan apa
2018 jua bentuk sumbangan kepada keluarga sasaran
Pelbagai aktiviti kesukarelawanan telah diadakan mengikut kawasan tempat tinggal masing-masing
namun impak yang paling tinggi pada masyarakat di sekitar kampus. Keluarga sasaran dikenalpasti
ialah kerjasama dengan Sani Express melalui oleh setiap kumpulan bagi mendapatkan

Program TTA. Hasil maklumat keperluan
sumbangan dari program yang bersesuaian untuk
tersebut telah disampaikan diberikan kepada keluarga
oleh pengerusi program, tersebut. Tempoh dua
Muhammad Hanif bin hingga tiga minggu
Othman bersama Dr. Wan telah ditetapkan bagi
Anisabanum Salleh dan pemberian sumbangan
Hajjah Prof. Madya Wan sepanjang Ramadhan.
Jooriah Hood kepada
Darul Quran Ittifaqiyah Salah satu kumpulan
yang telah mengalami
musibah akibat kebakaran pensyarah bertemakan
pada 14 september 2017
yang telah mengorbankan “Cakna Ramadan
21 orang pelajar tahfiz
dan 2 orang tenaga Bersamamu” telah
pengajar. Sumbangan ini adalah dicadangkan
oleh Pengerusi Program TTA iaitu Ustaz Haji bekerjasama dengan Sani
Wahairi Mahmud.
Express Sdn. Bhd. dalam
Program Barakah Bersamamu Dungun (2019)
Program yang julung kali diadakan ini menjayakan penyampaian
merupakan inisiatif daripada FPP UiTM
Cawangan Terengganu yang melibatkan hampir sumbangan kepada sebelas buah keluarga
95% pensyarah FPP. Program ini bertujuan untuk
membantu meringankan kesusahan masyarakat sasaran di Sura Hujung dan Kampung Gong
sekitar kampus dari segi keperluan barangan
dapur dan rumah, makanan untuk berbuka, Pasir. Pensyarah-pensyarah FPP yang terlibat
pakaian dan juga sumbangan wang ringgit.
Modus operandi program Barakah Bersamamu ialah Nur Dalila Adenan, Norlaila Ibrahim,
Dungun ini melibatkan 10 kumpulan yang terdiri
daripada pensyarah FPP. Haslenna Hamdan, Dr. Wan Anisabanum Salleh,

Norchahaya Johar, Muhazita Alias, Ahmad Ismail

Mohd Anuar, Che Wan Khalidawaty Khalid, Wan

Maziah Wan Ab Razak, Khalid Amin Mat, dan

Zaimi Mohamed. Keluarga sasaran pula terdiri

daripada keluarga yang mempunyai anak yang

ramai dan kurang pendapatan isirumah, ahli

keluarga terdiri daripada orang kelainan upaya

(OKU) serta ahli keluarga yang hilang punca

pendapatan kerana sakit dan kehilangan kerja.

Penggunaan bingkai ala Instagram semasa

sesi bergambar digunakan sebagai simbolik

kewujudan FPP UiTM Cawangan

Terengganu bersama masyarakat

setempat di Dungun. Salah satu

gambar kenangan ialah sukarelawan

Muhammad Arif Izzudin (Pengerusi

TTA) dan Muhammad Hafiz

Othman (Penolong Pengerusi TTA)

menyampaikan sumbangan kepada

anak-anak kecil pada bulan Ramadhan

sebelum ibu bapa mereka meninggal

dunia pada 4 Oktbober 2019.

114

Kesan pada Pelajar dan Masyarakat
Keluarga yang menerima sumbangan berasa amat
bersyukur dan berterima kasih. Mereka terharu
sambil mengaminkan doa-doa yang dibaca oleh
pelajar-pelajar tahfiz Muhammad Arif Izzudin,
Muhammad Hanif Othman dan Muhamad
Hafiz Aizat. Pelajar-pelajar ini juga menitipkan
kata-kata semangat dan nasihat supaya anak-
anak dari keluarga miskin ini belajar dengan
bersungguh-sungguh dan dapat menyambung
pengajian di UiTM. Penampilan dan akhlak yang
baik ditunjukkan oleh pelajar-pelajar hafazan
tadi memberi semangat pada anak-anak miskin
tersebut.

Selepas mereka mengikuti aktiviti sukarelawan,
pelajar-pelajar hafazan sedar ramai yang amat tidak
bernasib baik dan mereka perlu berusaha berubah
untuk kebaikan diri, keluarga dan masyarakat dan
akhirnya mereka telah menunjukkan peningkatan
dalam pencapaian keputusan CGPA dan hafazan
surah-surah pilihan. Berkat kerjasama semua
yang terlibat secara langsung dan tidak langsung
telah memberikan impak yang amat besar kepada
keluarga sasaran, pensyarah FPP serta pelajar
yang terlibat.

Kesimpulan
Semua keluarga sasaran menzahirkan rasa
kesyukuran di atas kunjungan dan pemberian
sumbangan daripada pihak FPP. Selain bertujuan
untuk membantu meringankan bebanan mereka,
program Barakah Bersamamu Dungun ini juga
bertujuan untuk menzahirkan ketampakan UiTM
umumnya dan FPP khususnya di mata masyarakat
setempat di Dungun. FPP merupakan antara
fakulti tertua di UiTM Cawangan Terengganu,
Kampus Dungun dan telah melahirkan ribuan
graduan dari pelbagai program/kursus sehingga
ke hari ini. Program Barakah Bersamamu Dungun
ini akan diteruskan agar kesinambungannya
dapat mendekatkan masyarakat setempat dengan

...warga FPP dan UiTM Cawangan Terengganu.

115

116

STRATEGIES

TO BOOST IMMUNE SYSTEM
DURING THE COVID-19
PANDEMIC

By:
Siti Rapidah Omar Ali
(UiTM Cawangan Terengganu)

As the COVID-19 pandemic figures keep rising, to protect against dangerous viruses and bacteria.
what we can do to stay healthy besides following As stated by the World Health Organization
public health recommendations. To date, no (WHO), those with present medical conditions
specific vaccines are available to cure the disease and older people are more at risk to being seriously
and we need to take care in fighting the virus by infected with the virus. It is believed by eating
boosting our immunity on an individual level. certain foods may help us to boost our immune
Individual immune system is crucial at this point system. Even though it is not going to beat off

coronavirus, but at least we can prepare our 4. Vitamin D rich foods – lack of vitamin D
body to fight off the virus. There are no specific also can weaken the immune system.
supplements or magic food that is guaranteed to Besides taking vitamin D supplement, having
protect us against coronavirus but there are ways good food source of vitamin D can help
to keep our immune system functioning optimally boost immunity. Foods like salmon, sardine,
which can help us in control in an uncertain time. cheese, tofu and mushrooms can be
The following are some recommendation on taking into consideration.
strategies to boost immune system.
1. Fermented food – It is important to 5. Natural superfood – Garlic – known as
anti-viral, anti-fungal agent, combining this
strengthen our gut since 80% of our immune superfood in our daily, with just one
system resides in it. Foods like yogurt, garlic, could help build immunity.
kefir, kimchi, tempeh, kombucha are among
the fermented foods that can be eaten The bottom line is filling our plate with immune-
daily as it can enhance good gut bacteria. boosting nutrients by eating nutritious diet to
aid our immune system to do its job. Avoid eat a
2. Important supplements – Vitamin C – bunch of garbage because what we put into our
vitamin C is believed to improve the immunity
since it can protect our body from free ...body affects what we get out of it.
radicals and serious infections. Besides
vitamin c supplement, foods rich in Reference:
vitamin C can be added into daily meals Seema Prasad (2020). COVID-19: Best Strategies to
include lemons, oranges, broccoli, bell Boost Immune System. Retrieved from
peppers and many more. https://www.msn.com/en-my/health/medical/covid-
19-best-strategies-to-boost-immune-system/ar-
3. Zinc – Zinc is essentials as antioxidant BB11wCyX?li=BBr8Mk9
combat free radicals. Red meats are one high
in zinc besides shellfish, eggs, nuts and Photo by Dan Gold
beans. @danielcgold

Shari’ah
Contracts
In Islamic
Banking

By:
Yunita Awang1
Shazalina Mohamed Shuhidan2
Abdul Rahman Muhammad3
(Faculty of Accountancy, UiTM Cawangan Terengganu1)
(Faculty of Accountancy, UiTM Cawangan Selangor2)
(General Studies Department, Politeknik Sultan Mizan Zainal Abidin3)

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Photo by Viktor Forgacs
@sonance

inancial system is an important the Central Bank or Bank Negara Malaysia – as
component of global economy with the regulator, the commercial banks, the Islamic
its primary functions to transfer banks, the investment banks, money brokers
loanable funds from the surplus units and other financial institutions. Listed under the
category of licensed financial institutions, there
Fi.e. lenders to the deficit units i.e. are 26 commercial banks, 16 Islamic banks, 1
International Islamic bank, 11 Investment banks,
borrowers (Rohani, 2014). Malaysian financial and 2 other financial institutions (Bank Negara
system has developed over several decades in Malaysia, 2020).
response to rapid changes in the economy as well
as in the international financial environment. The commercial banks, investment banks, and
Its evolution has been greatly shaped by Islamic banks are the primary funds mobilizer
Bank Negara Malaysia (BNM) or the Central and provide the main source of financing
Bank, which adopted a pragmatic and flexible to support economic activities in Malaysia
approach. Malaysian financial system comprises (Malaysian Investment Development Authority,
both the banking system and non-bank financial 2012). Specifically, the two primary functions of
intermediaries; as well as the financial markets. commercial banks are, firstly, to accept savings
deposits, namely savings accounts, current
A comprehensive Islamic financial system in account and fixed deposits and, secondly, to lend
Malaysia operates in parallel with the conventional money to individuals and corporations. Similar
financial system. The Islamic financial system is to commercial banks, Islamic banks also offer
operating on the ground of Shari’ah, even though deposits and financing facilities to customers.
the products and services offered are identical However, these services are free from an interest
to those offered by the conventional financial element or riba-free (Sudin & Wan Nursofiza,
system. Various Islamic products have been 2009). Globally, Malaysia has the highest
successfully implemented with great potential number of Islamic banks and contribute the most
for further growth to support Malaysia becoming to the share of assets, while Saudi Arabia has
an international Islamic financial hub (Aisyah & the strongest banks. This is based on a review of
Shifa, 2017). top 100 Islamic banks, as depicted in Figure 1

The Malaysian banking system comprised of (Weng, 2019).

Figure 1: Breakdown of the world’s 100 largest Islamic banks Within the two primary
Source: Asian Banker Research (Weng, 2019)
functions of Islamic

banks, which are accepting

deposits and offering

financing facilities to

customers, shari’ah

contracts are involved.

Three crucial elements in

ensuring a valid shari’ah

contract (ISRA, 2017)

include:

1. The form of the

contract - refers to

an expression of the

contracting parties to

undertake and be bound

by the contract

2. The subject matter of

the contract – refers

to the object to be

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Photo by Viktor Forgacs
@sonance

Table 1: Examples of common underlying contracts in Islamic banks

Purpose Types Shari’ah contract/concept

Sources of Funds Deposit funds Qard/ Wadi’ah Yad Damãnah/Mudhãrabah

Retail Investment funds Mudhãrabah/Wakãlah/Mushãrakah
Financing
Home financing Bay’ bi Thaman Ãjil/Mushãrakah Mutãnaqisah/
Parallel Istisnã’

Automobile financing Al-ijãrah Thumma al-Bay’

Personal financing ‘Inah/Tawarruq/ Rahn

Source: ISRA (2017)

contracted upon; and, References:
3. The contracting parties – refers to the offeror 1. Aisyah A. R., & Shifa, M. N. (2017). Challenges

and offeree with a legal capacity to offer or of profit-and-loss sharing financing in Malaysian
accept an offer in a contract. Islamic banking. Geografia-Malaysian Journal of
Society and Space, 12(2).
In practice, shari’ah contracts to be applied will 2. Bank Negara Malaysia. (2020), Financial
depend on the types of products and services Stability: List of Licensed Financial Institutions.
offered. For example, Wadi’ah Yad Damãnah Retrieved 16 March, 2020, from https://www.
is a common underlying contract for deposit bnm.gov.my/index.php?ch=fs&pg=fs_mfs_
funds, while in retail financing that focuses on list&ac=118&lang=en
individual customers, the underlying contracts 3. ISRA. (2017). 2nd Edition. Islamic Financial
vary according to each type of financing. Table System: Principles and Operation: ISRA
1 below summarises some examples of common (International Shariah Research Academy for
underlying contracts applicable in Islamic banks. Islamic Finance).
4. Malaysian Investment Development Authority.
In conclusion, the underlying shari’ah contracts (2012). Invest in Malaysia: Banking, finance and
practiced in Islamic banks differentiate the basis exchange administration. Retrieved 9 July,
for products and services offered by Islamic 2012, from http://www.mida.gov.my/env3/index.
financial institutions, as compared to those php?page=banking-system
offered by the conventional financial institutions. 5. Rohani, A. G. (2014). 2nd Edition. The
As such, the general public needs to understand Development of Malaysian Financial
that although Islamic banks offer deposits and Institutions:
financing facilities to customers which are Penerbit Press Universiti Teknologi MARA.
similar to commercial banks, all these services 6. Sudin, H., & Wan Nursofiza, W. A. (2009).
are implemented based on shari’ah contracts Islamic finance and banking system:
and riba-free. Islamic financial system therefore Philosophies, Principles & Practices.: McGraw
has opened the door to prevent Muslims from Hill Education.
7. Weng, W. (2019). Saudi Arabia tops Islamic
...participating in non-shari’ah compliant banking bank ranking, Malaysia dominates share of
assets. Retrieved 18 March, 2020, from http://
products and services. www.theasianbanker.com/updates-and-articles/
saudi-arabia-tops-islamic-bank-ranking,-
malaysia-dominates-share-of-assets

123

Photo by Viktor Forgacs
@sonance

10Tips Perkongsian Untuk

Oleh:
Wan Maziah Wan Ab Razak
Ahmad Ismail Mohd Anuar
(Fakulti Pengurusan dan Perniagaan, UiTM Cawangan Terengganu)

Adalah penting untuk kita
ada ilmu perniagaan atas
talian atau online business
knowledge bagi yang minat
berniaga samada secara
serius atau part-time. Di
sini saya kongsikan sedikit
tips, mungkin langkah pertama untuk anda ikuti
sebagai persediaan menceburi bidang perniagaan.

1. Senaraikan rakan facebook/follower yang
mempunyai kuasa membeli, sebaiknya
mereka yang berusia antara lingkungan umur
20 - 45 tahun. Tambah mereka sebagai target
market.

2. Tips bagi yang ingin promosi barangan
kecantikan dan kesihatan, boleh tambah
lebih ramai rakan yang mempunyai
pekerjaan seperti golongan wanita yang
berkerjaya kerana mereka kebiasaannya akan
nampak kepentingan penampilan dan dunia
kecantikan. Sebaiknya tidak remove rakan
yang bekerja sebagai surirumahtangga kerana
mereka juga ada kuasa membeli.

3. Tambah prospek setiap hari/minggu. Boleh
mencari group-group kecantikan, kesihatan,
ibu-ibu mengandung, tips-tips kecantikan,
hospital dan berbagai lagi group yang
berkaitan dengan target market kita. Pastikan
anda adalah rakan di dalam group kawasan

Thinking man PNG Image
From pngimg.com

for Online Business (Bahagian Pertama)

tempat tinggal/daerah yang anda diami. 8. Buat Copywriting yang menarik, ayat yang
ringkas tapi padat. Pelajari Teknik membuat
4. Buat posting setiap peak hour sebaiknya jam copywriting yang baik dan betul iaitu teknik
8-9 pagi, 12-1.30 tghari, 4ptg-7 malam, dan menulis Hardsell vs Softsell.
antara jam 9-10 malam. Masa-masa ini adalah
antara masa traffic di Facebook/Instagram. 9. Marketing kan tentang apa yang anda
Jutaan pengguna Facebook/Instagram sedang lakukan adaah penting, contohnya sedang
online ketika ini, kemungkinan mereka membuat urusan penghantaran barang
akan nampak post anda. Seeding post yang kepada pelanggan, sedang menerima stok
menarik, okkkeyyy! atau restock daripada HQ ataupun sedang
COD barang kepada pelanggan.
5. Sebaiknya pilih rangkaian produk yang
anda akan post, elakkan post terlalu banyak 10. Pastikan anda Mahir dan Pakar tentang
produk/gambar dalam satu masa. produk yang anda sedang jual. Sebaiknya
anda juga merupakan pengguna setia produk/
6. Sentuh emosi pelanggan/rakan Facebook servis yang anda ingin pasarkan.
anda kerana people buy with their heart, bak
kata Najib Assadok di dalam program beliau Semoga bermanfaat untuk semua dan boleh
yang membantu ramai peniaga-peniaga aplikasikan di dalam alam maya sekarang.
online/offline bagaimana membina kembali/ Bahagian kedua nanti akan saya kongsikan
menaikkan jualan perniagaan. tips yang lebih terperinci. Sumber tips-tips ini
adalah melalui Kursus TOT ENT530 dan juga
7. Always Update your status dan update story berdasarkan pengalaman setahun jagung ini.
di WhatsApp, Facebook, dan Instagram.
Ramai orang suka melihat dunia kehidupan ...Sehingga kita jumpa lagi…
kita berbanding produk yang kita ingin
tonjolkan.

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RAKAN STRATEGIK

FAKULTI PENGURUSAN PERNIAGAAN
INTRODUCING THE STRATEGIC PARTNERS
OF THE FACULTY OF BUSINESS MANAGEMENT

Oleh:
Wan Maziah Wan Ab Razak
Ahmad Ismail Mohd Anuar
(Fakulti Pengurusan dan Perniagaan, UiTM Cawangan Terengganu)

Rakan Strategik Fakulti Pengurusan Perniagaan terjalin pada tahun 2019. Mereka adalah terdiri dari-
pada Alumni UiTM Cawangan Terengganu.

Mohd Supian Mustapa Abdul Muhit Husain
• Jawatan: Pengarah,Mosumart Group. • Jawatan: Pengurus Agensi
• Alumni: Ijazah Sarjana Muda • Alumni: Ijazah Sarjana Muda

1 Perbankan Islam, UiTM Cawangan 2 Perakaunan, UiTM Cawangan
Terengganu Terengganu
• Bidang: Rekabentuk dan Cetakan • Bidang: Takaful dan Insurans
Pembungkusan. • Tips menceburi bidang perniagaan:
• Tips bagi yang ingin menceburi 1. Buat Bisnes@Kerjaya yang
bisnes: BETUL..
1. Buat apa yang kita suka 2. Buat CARA yang BETUL..
2. Jangan cepat putus asa 3. Buat BETUL-BETUL sampai
3. Selalu update ilmu bisnes BERJAYA..

Amylia Farhana Saiful Bahri
• Jawatan: Pengarah Operasi Amylea Group Sdn Bhd &

Pengasas Mylea
• Alumni: Diploma Pengurusan Pelancongan & Perhotelan

(2006-2009) UiTM Cawangan Terengganu

3 • Bidang: Kecantikan.
• Tips menceburi bidang perniagaan:
1. Jaga Niat paling utama, buat sesuatu perkara kerana Allah
SWT
2. Ujian pasti akan datang selagi kita masih hidup atas muka
bumi ni
3. Ujian hebat bagi manusia yang hebat... nak jadi orang
yang hebat, bersedia dulu tempuhi ujian yang berat
4. Allah mengikut setiap sangkaan hamba-Nya. Jadi sangat
penting untuk selalu fikir, buat, lihat, dan dengar yang
baik-baik, yang bagus-bagus sebab Allah akan ikut apa
yang kita nak. In sha Allah...

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