Islamic Banks Are Unscathed Despite of Financial Crisis

Why Islamic Banking Is Successful?
Islamic Banks Are Unscathed Despite of Financial Crisis
By Prof. Rodney Wilson
Professor-Durham University

The collapse of leading Wall Street institutions, notably Lehman Brothers, and the subsequent global financial crisis and economic recession, are encouraging economists world-wide to consider alternative financial solutions.Attention has been focused on Islamic banking and finance as an alternative model. What lessons can be learnt, and how resilient have Islamic banks been during the current crisis?
Islamic Banking Principles And Sub-prime Lending
The religious teaching underpinning Islamic finance is concerned with justice in financial contracts to ensure that none of the parties is being exploited.
The bank may advance the clients an interest-free loan to enable them to continue their payments during the recession in anticipation that they will pay in full when the economy rebounds.
Riba( interest or usury) is one source of exploitation, especially, as in the case of sub-prime lending, the highest rates were charged to lower earners. Such discriminatory charging by conventional banks was justified as being a reflection of the risks involved.
Those on lower incomes, with poorer prospects of finding new employment in the event of redundancy, were less likely to be able to service their interest payments.
Islamic housing finance involves risk sharing between the bank and the client, rather than transferring all the risk to the latter.
Under the most commonly used diminishing musharaka (partnership) contract, the bank and the client form a partnership, with the bank providing up to 90 percent of the purchase price, and the client at least 10 percent.
Over a period of usually 10 to 25 years, the client buys out the ownership share of the bank which makes its profit from the rent paid by the client for the share the bank owns.
In the event of a rental or repayments default, the bank may advance the clients an interest-free loan (qard hassan in Arabic) to enable them to continue their payments during the recession in anticipation that they will pay in full when the economy rebounds.
The client retains their home rather than being faced with eviction— like the victims of the sub-prime crisis.
Of course Islamic banks have to appraise credit risk, and indeed are more cautious about who they should finance than conventional banks.
The banks in the United States charged high arrangement fees for sub-prime borrowers which were used to pay bonuses for those signing up new clients.
As the mortgages were sold on to Freddie Mac and Fanny Mae, the arrangers were unconcerned that the sub-prime borrowers might be unable to meet their financial obligations.
Indeed, gifts were provided to entice the feckless to sign up, and the mortgages often exceeded the value of the property.
The banks in other words became mere booking agents, with no long term commitment to their clients.
The Islamic Banking Record
Consequently when the credit crunch came and borrowing from wholesale markets was halted, Islamic banks were not exposed.
In contrast to conventional banks, no Islamic bank has failed and has needed government recapitalization which ultimately becomes a burden on hard pressed taxpayers.
All Islamic banks comply with the Basel II capital adequacy requirements and the Islamic Financial Services Board (IFSB)- the body which advises regulators with respect to Islamic finance- has produced detailed guidelines on compliance. The IFSB has an on-going relationship with the Bank for International Settlements- the institution which developed the Basel standards- and is certain to be consulted as Basel III guidelines are drafted for capital adequacy which are likely to be implemented globally in the coming decade.
The soundness of Islamic banks is accounted for by the fact that they use a classical banking model, with financing derived from deposits, rather than being funded by borrowings from wholesale markets.
Consequently when the credit crunch came and borrowing from wholesale markets was halted, Islamic banks were not exposed. However, Islamic banks are not immune from the effects of the global recession, and the fall in oil prices will inevitably have a negative impact on 2008 results of Gulf-based Islamic banks. The situation will become clearer from February once the audited financial statements start to appear.
Two Islamic housing financial institutions, Amlak and Tamweel are being merged, as both have faced problems given their exposure to the Dubai property market.
In Iran where all financial operations have been shariah-based since the Law on Usury Free Banking was introduced in 1983, banks have been relatively insulated from the financial crisis, ironically because United States sanctions meant they could not deal with institutions such as Lehman Brothers which were trying to place large amounts of toxic debt with Middle Eastern banks.
The sanctions therefore proved to be a blessing in disguise for Iran — although the Islamic banks there have been adversely affected recently by the fall in gas prices.
Nevertheless being state owned, institutions such as Bank Melli, the largest Islamic bank in the world, are well placed to ride out the global financial storm. With assets of over $50 billion, and 2007 profits exceeding $540 million, it has more than adequate resources to cope.
Islamic Financial Stability
Investors seeking shariah compliance have portfolios which are more heavily weighted in sectors such as healthcare or utilities.
Islamic banks enjoy a built-in stabilizer to help them cope with economic downturns, as instead of paying interest to depositors, those with investment mudaraba accounts share in the banks profits.
Thus, if profitability declines in an economic downturn, depositors receive lower returns, but if profits rise they enjoy higher returns.
This profit sharing reduces risk for the banks and means they are less likely to become insolvent. However as the banks build up a profit equalization reserve, which can be used to finance pay-outs during difficult years, depositors benefit from some protection of their returns during economic downturns.
The last year has been difficult, if not disastrous, for equity investors, given the fall in stock market prices globally.
Investors in equities screened for shariah compliance have also suffered, but less than their conventional counterparts, because they have not invested in the shares of riba-based banks which have fared especially badly during the global financial turmoil.
Investors seeking Shariah compliance have portfolios which are more heavily weighted in sectors such as healthcare or utilities where revenue streams are maintained even during cyclical down-turns.
Prospects for Islamic Finance
There are already five wholly Islamic banks in London, and the first Islamic bank will open in France in 2009.
Islamic banking provides a viable alternative to conventional banking and is less cycle prone. The spread of Islamic finance into western markets demonstrates that it now being treated seriously by regulators and finance ministries.
There are already five wholly Islamic banks in London , and the first Islamic bank will open in France in 2009. According to the conservative estimates of the Banker in October 2008, Islamic financial assets globally exceed $500 billion, a figure that could easily double over the coming decade.
The experience of Islamic banking in the United Kingdom has been extremely positive. Islamic Bank of Britain has been operating as a retail bank for over four years, and has attracted over 40,000 customers. HSBC Amanah, the Islamic finance subsidiary of HSBC, has been operating for ten years in London , focusing mainly on institutional clients and business finance.
Alburaq, the Islamic finance subsidiary of Arab Banking Corporation, has become the market leader for shariah compliant home finance in the United Kingdom .
None of these institutions has been affected by the global financial crisis, and their resilience bodes well for the future.
Sukuk Are Real Assets
The United Kingdom authorities promoting London as a international centre for sukuk issuance to rival Bahrain , Dubai and Kuala Lumpur .
In addition to banking, Islamic sukuk security issuance has enormous potential. Unlike conventional bonds and notes, sukuk are backed by real assets, which provides assurance to investors.
Although global sukuk markets were adversely affected by the global recession in 2008, longer term prospects look promising, with the United Kingdom authorities promoting London as an international centre for sukuk issuance to rival Bahrain, Dubai and Kuala Lumpur.
The Malaysian ringgit sukuk market has been largely unaffected by the global turmoil in securities markets, and issuers such as the Saudi Arabia Basic Industries Corporation, one of the world’s largest petrochemical producers, view sukuk as a desirable instruments to raise funding for plant expansion.
There can be no doubt that Islamic finance has an exciting future, and the quest for a financial system based on moral values rather than greed and fear, is bound to enhance its position in the global system.
Professor Rodney Wilson is the Director of Postgraduate Studies, School of Government and International Affairs of Durham University . Prof. Wislon's research areas are Islamic economics and finance, Middle Eastern political economy,and The political economy of oil and gas. He wrote various books on Islamic economics.

Bagaimana menghilangkan Marah

Sifat pemarah itu berasal daripada sifat sombong (ego). Lagi besar ego seseorang lagi besar marahnya. Ini berkaitan pula dengan kedudukan seseorang. Kalau tinggi kedudukan seseorang, besar pangkatnya, banyak hartanya, ramai pengikutnya, maka akan tinggilah ego seseorang dan akan menjadi-jadilah pemarahnya. Sebaliknya jikalau kurang segalanya, maka akan kuranglah egonya dan akan kurang jugalah pemarahnya.

Sifat pemarah ini ada pada hampir semua orang seperti juga hasad dengki. Kenapa kita mesti marah ? Telah berkata Mujahid di dalam sebuah bait syair

"Takdir Allah telah putus dan putusan Allah telah terjadi. Istirehatkan hati dari kata-kata "Barangkali" dan "Kalau".

Setiap kelemahan dan kesilapan manusia adalah ujian untuk kita. Allah mahu melihat bagaimana sabarnya kita dan malunya kita kepada Allah dengan mengucapkan " Inna lillahi wainna lillahi raji'un.".

Pernah ditanya Ahnaf bin Qais, bagaimana dia boleh mengekalkan sifatnya yang lemah lembut itu.

Ahnaf menjawab : " Aku belajar dengan Qais bin Asim iaitu pada satu hari sedang berehat-rehat, masuk hamba nya membawa panggang besi yang berisi daging panggang yang masih panas. Belum sempat daging itu diletakkan dihadapan Qias, tanpa sengaja besi pemanggang yang panas itu jatuh terkena anak kecil Qais. Menjerit-jeritlah si anak, kesakitan dan kepanasan sehingga meninggal dunia. Qais yang melihat peristiwa itu dengan tenang berkata kepada hambanya yang sedang pucat dan menunggu hukuman " Aku bukan sahaja tidak marah kepada kamu tetapi mulai hari ini aku akan membebaskan kamu." Begitulah sopan santunnya dan pemaafnya Qais bin Asim" Kata Ahnaf mengakhiri ceritanya.

Bukannya Qais tidak menyayangi anaknya tetapi Qais memandang segala kejadian itu adalah dari Allah. Jikalau dia bertindak memarahi hambanya, maka hakikatnya dia memarahi Allah. Dia redha dengan ujian yang ditimpakan kepadanya. Tidak ada di dalam kamus hidupnya perkataan kalau atau barangkali. Hatinya tidak terasa dia " tuan" kerana apa yang ada padanya dirasakan amanah dari Allah. Yang bila sampai ketikanya Allah akan ambil kembali.

Kita mesti ubati hati kita. Kita kita mesti membuangkan rasa rasa "ketuanan" kita yang menyebabkan kita menjadi pemarah dengan melakukan mujahadatun nafsi. Di antara langkah yang perlu kita hadapi untuk menghilangkan marah ialah :

a) Pertama kita perlu malu dengan Allah s.w.t akan segala tindak-tanduk kita. Allah memerhatikan segala perlakuan dan sikap biadab kita.

b) Bila datang rasa hendak marah, ingatlah kita ini hanyalah manusia yang hina.

c) Banyakkan berdiam diri dan berdoa kepada Allah agar Allah selamatkan kita daripada sifat marah.

d) Hendaklah ingat kesan daripada sifat marah itu mungkin akan membawa kepada permusuhan dan pembalasan dendam dari orang yang anda marahi.

e) Cuba bayangkan betapa buruknya rupa kita ketika kita sedang marah. Ianya lebih buruk daripada perlakuan seekor binatang jikalau anda di dalam keadaan yang marah.

f) Apabila datang marah, banyakkan baca Ta'awwuz ( A'uzubillahi minas Syaitanirrajim ) kerana marah itu datangnya daripada syaitan.

g) Apabila marah sedang memuncak, ambil wudhu keranawudhu dapat menenangkan api kemarahan yang sedang membara.

h) Jikalau tidak boleh hilang marah dengan hal tersebut di atas, hendaklah tidur. Kerana ianya akan meredakan perasaan marah apabila bangkit daripada tidur

i) Tauhid kita perlu tepat. Setiap sesuatu itu datangnya dari Allah dan akan kembali kepada Allah. Kenapa kita perlu marah.

Kalau kita bersalah, kita tidak suka orang memarahi kita. Maka begitulah orang lain yang melakukan kesilapan, juga tidak suka dimarahi. Tegurlah dengan lemah lembut dan kasih sayang.
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Satu cara lagi, apabila datangnya marah, sedangkan anda berdiri, maka duduklah, sekiranya duduk, maka bersandarlah, Insha Allah kemarahan akan mulai reda.

Dengan cara demikian, seperti ulasan saudara fansuri, keegoan akan berkurangan. Tetapi apa yang berlaku, apabila naik marah, yang bersandar akan mula menetapkan duduknya dan seterusnya berdiri, maka kemarahan sudah tidak dapat dikawal.
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Marah ertinya gerakan nafsu diri, seketika meluap darah jantung dari suruhan syahwat utk mempertahankan diri dan utk melepaskan dendam. Cuma kemarahan itu tidak boleh timbul kalau tidak pada tempat dan waktunya. Bila kemarahan telah timbul tidak ditahan dgn fikiran dan akal sebelum dia menjalar, tidak ubahnya dia dengan api yg membakar, darah naik laksana wap, memenuhi otak, sehingga gelap menyelubungi hati sehingga tidak sanggup berfikir. Menyelimuti seluruh urat saraf, penglihatan nampak kecil bila memandang orang, ketika itu pertimbangan hilang, akal tertutup, fikir tersentak, angan-angan habis.

Orang yg marah adalah laksana gua batu yg terbakar api terkurung di dalamnya dan angin masuk juga mengipasnya sehinggalah terkumpullah di dalam gua asap dan wap yang menambahkan panas.. Kedengaran api memakan kelilingnya habis menjadi bara Meskipun diusahakan menyiram.. maka air penyiram itu akhirnya akan menjadi minyak tanah menambah kerasnya api.
berbanyak-kanlah. . beristighfar itulah senjata orang2 mukmin.

Honey and Cinnamon - HERE'S THE CURE!!!!!!

~ Bet the drug companies won't like this one getting around ~

Facts on Honey and Cinnamon: It is found that a mixture of honey and cinnamon cures most diseases. Honey is produced in most of the countries of the world. Scientists of today also accept honey as a 'Ram Ban' (very effective) medicine for all kinds of diseases.

Honey can be used without any side effects for any kind of diseases.

Today's science says that even though honey is sweet, if taken in the right dosage as a medicine, it does not harm diabetic patients. Weekly World News, a magazine in Canada, in its issue dated 17 January,1995 has given the following list of diseases that can be cured by honey and cinnamon as researched by western scientists:

HEART DISEASES:

Make a paste of honey and cinnamon powder, apply on bread, instead of jelly and jam, and eat it regularly for breakfast. It reduces the cholesterol in the arteries and saves the patient from heart attack. Also those who have already had an attack, if they do this process daily, they are kept miles away from the next attack.

Regular use of the above process relieves loss of breath and strengthens the heart beat. In America and Canada, various nursing homes have treated patients successfully and have found that as you age, the arteries and veins lose their flexibility and get clogged; honey and cinnamon revitalize the arteries and veins.

ARTHRITIS:

Arthritis patients may take daily, morning, and night, one cup of hot water with two spoons of honey and one small teaspoon of cinnamon powder. If taken regularly even chronic arthritis can be cured. In a recent research conducted at the Copenhagen University, it was found that when the doctors Treated their patients with a
mixture of one tablespoon Honey and half teaspoon cinnamon powder before breakfast, they found that within a week, out of the 200 people so treated, practically 73 patients were totally relieved of pain, and within a month, mostly all the patients who could not walk or move around because of arthritis started walking without pain.

BLADDER INFECTIONS:

Take two tablespoons of cinnamon powder and one teaspoon of honey in a glass of lukewarm water and drink it. It destroys the germs in the bladder.

CHOLESTEROL:

Two tablespoons of honey and three teaspoons of cinnamon powder mixed in 16 ounces of tea water, given to a cholesterol patient, was found to reduce the level of cholesterol in the blood by 10 percent within two hours.

As mentioned for arthritic patients, if taken three times a day, any chronic cholesterol is cured.. According to information received in the said Journal, pure honey taken with food daily relieves complaints of cholesterol.

COLDS:

Those suffering from common or severe colds should take one tablespoon lukewarm honey with 1/4 spoon cinnamon powder daily for three days. This process will cure most chronic cough, cold, and clear the sinuses.

UPSET STOMACH:

Honey taken with cinnamon powder cures stomach-ache and also clears stomach ulcers from the root.

GAS:

According to the studies done in India and Japan, it is revealed that if honey is taken with cinnamon powder the stomach is relieved of gas.

IMMUNE SYSTEM:

Daily use of honey and cinnamon powder strengthens the immune system and protects the body from bacteria and viral attacks. Scientists have found that honey has various vitamins and iron in large amounts... Constant use of honey strengthens the white blood corpuscles to fight bacteria and viral diseases.

INDIGESTION:

Cinnamon powder sprinkled on two tablespoons of honey taken before food relieves acidity and digests the heaviest of meals.

INFLUENZA:

A scientist in Spain has proved that honey contains a natural ' Ingredient', which kills the Influenza germs and saves the patient from flu.

LONGEVITY:

Tea made with honey and cinnamon powder, when taken regularly, arrests the ravages of old age. Take four spoons of honey, one spoon of cinnamon powder and three cups of water and boil to make like tea. Drink 1/4 cup, three to four times a day. It keeps the skin fresh and soft and arrests old age. Life spans also increases and even a 100 year old, starts performing the chores of a 20-year-old.

PIMPLES:

Three tablespoons of honey and one teaspoon of cinnamon powder paste. Apply this paste on the pimples before sleeping and wash it next morning with warm water.. If done daily for two weeks, it removes pimples from the root.

SKIN INFECTIONS:

Applying honey and cinnamon powder in equal parts on the affected parts cures eczema, ringworm and all types of skin infections.

WEIGHT LOSS:

Daily in the morning one half hour before breakfast on an empty stomach and at night before sleeping, drink honey and cinnamon powder boiled in one cup of water. If taken regularly, it reduces the weight of even the most obese person. Also, drinking this mixture regularly does not allow the fat to accumulate in the body even though the person may eat a high calorie diet.

CANCER:

Recent research in Japan and Australia has revealed that advanced cancer of the stomach and bones have been cured successfully. Patients suffering from these kinds of cancer should daily take one tablespoon of honey with one teaspoon of cinnamon powder for one month three times a day.

FATIGUE:

Recent studies have shown that the sugar content of honey is more helpful rather than being detrimental to the strength of the body. Senior citizens, who take honey and cinnamon powder in equal parts, are more alert and flexible. Dr. Milton, who has done research, says that a half-tablespoon of honey taken in a glass of water and sprinkled with cinnamon powder, taken daily after brushing and in the afternoon at about 3:00 P.M. when the vitality of the body starts to decrease, increases the vitality of the body within a week.

BAD BREATH:

People of South America, first thing in the morning, gargle with one teaspoon of honey and cinnamon powder mixed in hot water, so their breath stays fresh throughout the day.

HEARING LOSS:

Daily morning and night honey and cinnamon powder, taken in equal parts restore hearing. Remember when we were kids? We had toast with real butter and cinnamon sprinkled on it!

Dialog Rasulullah SAW Dengan Iblis Laknatullah

Soalan Nabi s.a.w "Siapa yang mencahayakan muka engkau ?"
Jawab Iblis "Orang yang berdosa, bersumpah bohong, saksi palsu, pemungkir janji."

Soalan Nabi s.a.w "Apakah rahsia engkau kepada umatku ?"
Jawab Iblis "Jika seorang Islam pergi buang air besar serta tidak membaca doa pelindung syaitan, maka hamba gosok-gosokkan NAJISNYA sendiri ke badannya tanpa dia sedari"

Soalan Nabi s.a.w "Jika umatku bersatu dengan isterinya,bagaimana hal engkau ?" Jawab Iblis "Jika Umat Tuan hendak bersetubuh dengan isterinya Serta membaca doa pelindung syaitan, maka larilah hamba dari mereka. Jika tidak hamba akan bersetubuh dahulu dengan isterinya, dan bercampurlah benih hamba dengan benih isterinya.

Jika menjadi anak maka anak itu akan gemar kepada pekerjaan maksiat, malas pada kebaikan, durhaka. Ini semua kerana kealpaan ibu bapanya sendiri. Begitu juga jika mereka makan tanpa membaca Bismillah, hamba yang dahulu makan daripadanya. Walaupun mereka makan, tiadalah rasa kenyang."

Soalan Nabi s.a.w "Dengan jalan apa boleh menolak tipu daya engkau ?"

Jawab Iblis "Jika dia berbuat dosa, maka dia kembali bertaubat kepada Allah, menangis kesal akan perbuatannya. Apabila marah segeralah mengambil air sembahyang, maka padamlah marahnya."

Soalan Nabi s.a.w "Siapakah orang yang paling engkau lebih suka ?"
Jawab Iblis "Lelaki dan perempuan ! yang tidak mencukur atau mencabut bulu ketiak atau bulu ari-ari (bulu kemaluan) selama 40 hari.
Di situ lah hamba mengecilkan diri, bersarang, bergantung, berbuai seperti pijat pada bulu itu."

Soalan Nabi s.a.w "Hai Iblis ! Siapa pula yang bersekutu dan bersekedudukan dengan engkau ?"
Jawab Iblis "Iaitu apabila bertemu lelaki dengan perempuan muda, maka hamba duduk pada leher perempuan-perempuan muda itu, hamba hiaskan mukanya dengan jelingan dan senyuman yang menarik hati. Apabila dipandang belakangnya maka terpandang lehernya yang halus dengan pinggang dan punggung yang bergerak-gerak yang membangkitkan nafsu.

Manakala di pandang depannya, hamba hiaskan dadanya dengan bergerak-gerak kedua kuntum yang melekat pada dadanya, lalu hamba panah pada jantung hati keduanya atau salah satu daripadanya hingga bergerak-gerak keinginan nafsu syahwatnya. Apabila orang tersebut tidak memelihara hatinya, nescaya tidak terpeliharalah farajnya (kemaluannya). Sesiapa yang tidak memelihara kemaluannya nescaya tiadalah terpelihara imannya".

Soalan Nabi s.a.w "Hai Iblis ! Dimana tempat engkau diam ?"
Jawab Iblis "Iaitu pada rumah-rumah berhala dan pada batu, Kayu dsb. Apabila mereka menyembah selain daripada Allah, maka hamba cenderungkan hati mereka supaya bertambah yakin pada perbuatan yang syirik. Berapa ramai umat tuan yang telah hamba pesongkan masuk ke rumah berhala Majusi dan Hindu itu menunjukkan bertapa nipisnya iman mereka"

Soalan Nabi s.a.w "Hai Iblis ! Siapakah yang menyokong engkau ?“
Jawab Iblis "Iaitu orang yang tidak bertaubat dan suka Ketawa ketika berbuat dosa itu. Ya Nabi Allah ! Sesungguhnya telah hamba binasakan sekelian manusia dengan mengerjakan dosa daripada pelbagai maksiat, maka betapa sukanya hamba, tiba-tiba mereka itu mengucap La Illahillah dan istighfar maka binasalah hamba dengan sebab ucapannyanya itu"

"Lagi satu keuntungan yang besar kepada hamba ialah orang tua dan kanak-kanak yang bersiul itulah anak buah hamba, kerana pada masa hamba dibuang ke dunia hamba mengembara dengan bersiul-siul dan orang yang bersiul itu penghibur Iblis Syaitan"

Soalan Nabi s.a.w "Hai Iblis ! Sekarang apakah kesudahan ikhtiar Engkau di atas umatku, kerana Aku telah dibangkitkan ke dunia ini Bagi menyelamatkan sekelian bani Adam daripada kafir kepada iman, dari gelap-gelita kepada terang-benderang"
Maka Iblis pun mengangkatkan kepalanya ke hadrat Allah katanya "Ya Rabbi, demi kemuliaan Engkau, sentiasalah hamba Akan berusaha dengan bersungguh-sungguh untuk menarik sekelian Anak Adam kepada berbagai-bagai jalan maksiat. Selama ada nyawa di Dalam batang tubuh mereka itu, hamba jadikan pemuda-pemudi bercampur Berkenalan supaya senanglah hamba mencelah di dalamnya"

Maka firman Allah SWT :

"Hai Malaun (yang dilaknat - Iblis)! Demi kebesaran Ku dan ketinggian Ku ! Bahawa Aku sentiasa sedia Mengampuni dosa umat Muhammad selagi mereka itu meminta ampun kepada Ku".

Maka kata Iblis "Ya Rasulullah ! Bahawasanya hamba sangat hairan Melihat dua macam hal sekelian hamba Allah.

1. Mereka itu mengaku kasih kepada Allah padahal mereka itu Taat kepada hamba dengan berbuat maksiat
2. Mereka sangat marah kepada hamba tetapi mereka itu mengikut hasutanku.

Maka datang firman Allah "Hai Malaun ! Demi kemuliaanKu Dan kebesaranKu, Aku anugerahkan atas umat Muhammad dua kebahagiaan;

Kasih mereka kepadaKu, Aku jadikan kaffah (penebus dosa) bagi Maksiat mereka kerana perdayaan mereka Marah mereka kepada engkau (IBLIS) Aku jadikan kaffah (penebus dosa) bagi maksiat mereka kepadaKu"

Setelah itu Rasulullah SAW pun menghalau Iblis. Iblis pergi Dengan hati yang sangat duakcita kerana tipu dayanya telah diketahui Oleh umat Muhammad SAW.

Rasulullah s. a. w. Bersabda :

"Sampaikan dari Ku walau pun sepotong ayat"

My 6 Babes