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SONS OF CIVIL SERVANTS

Posted by ARMIN BANIAZ PAHAMIN on May 04, 2018

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PAHAMIN A RAJAB

There is no better birthday gift for a father whom already have everything from love, jeweleries, cars and wealth but a nice short autobiography blog to say that he is always being remembered, we are very proud of him and also for his next many generations to remember him by. Of course, a prayer for his eternal happiness and health too. This birthday write-up is from a son whom owes everything to a father that asked for nothing, except to see his family united and happy. We always love you..

HAPPY BIRTHDAY... though abit belated.

His full name is PAHAMIN ABDUL RAJAB. The 3rd in a sibling of 5; the eldest is a sister Bidah binti Abdul Razak, then Allahyarham Mahadi Abdul Razak (picture on right), Datuk Noordin Abdul Razak, my father and Hashim Abdul Razak. PAHAMIN ABDUL RAJAB was born on 23 February 1946 in Kampung Badak, Bachok Kelantan. When Pahamin was born, the registrar misread the arabic writing and wrongly recorded into romanised typing as Rajab instead of Razak, hence the diff…

PAHAMINS' ANNIVERSARIES..

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This year marked an important year for PROTON having celebrated its 25th year anniversary and MAYBANK's 50th year anniversary but more importantly this year is also my parent's 40th year anniversary, my elder sister Chempaka Emalin & Azhar Sulaiman's 15 year anniversary, Mine's 10th YEAR, my sisters Melor Edina & Rhiza Ghazi's 10th Year and Dr Teratai Edithy & Shazrul Azwa Asari's 5th anniversary.

BANK NEGARA GUIDELINES ON RESPONSIBLE FINANCE- THE IMPACT

On 18 November 2011, Bank Negara Malaysia issued a guideline (BNM/RH/GL 000-5 Guidelines on Responsible Finance) to financial institutions aimed at promoting prudent, responsible and transparent retail financing practices. The guideline that took effect on 1 January 2012 are applicable and was issued pursuant to six (6) Statutory Acts namely, Section 126 of the Banking and Financial Institutions Act (BAFIA) 1989; Section 53A of the Islamic Banking Act 1983, Section 201 of the Insurance Act 1996, Section 69 of the Takaful Act 1984, Section 126 of the Development Financial Institutions Act 2002; and Section 70 of the Payment Systems Act 2003.
1. The guidelines that covers all form of financing from car loan to overdraft and even credit cards will give rise to loan shark and create unproductive population. When the Banks are more stringent, it provides a better opportunity for loan shark to grow. The Guidelines provide them with a bigger population and opportunity. The loan shark indus…

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SONS OF CIVIL SERVANTS

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