Memahahi Maqasid Syariah Sebagai Asas Keharmonian Kaum Di Malaysia. Analisa Terhadap Isu Perkauman Di Malaysia.

NBFI:AGROBANK

Pensyarah:Madam Norsaliza Abu Bakar

Oleh:Khairul Dani Bin Halim 2011980591

Muhamad Mustaqim Bin Shamsudin 2012437582

INTRODUCTION ABOUT AGROBANKFormer Bank Pertanian Malaysia40 years of experience in agricultural banking and excellent track record in shaping and developing successful entrepreneurs.Agrobank is a Government-owned Bank under the Minister of Finance Incorporated (MFI). The banks financing of the agricultural sector is driven by a policy set forth by the Ministry of Agriculture and Agro-Based Industry (MOA). 190 branches throughout Malaysia.The establishment of Bank Pertanian Malaysia (BPM) in 1969 was in line with the governments move to carry out irrigation projects to accommodate double cropping for paddy planting in the states of Kedah and Perlis; known as the Muda Agricultural Development Authority (MADA) area. VisionTo be a leading bank with a focus on agricultureMissionTo provide market and client-driven financial services in a financially sustainable way with specific target groups such as:AgropreneursMicro, small and medium entrepreneursPrivate individualsObjectives

To promote Malaysias sound agricultural development;To co-ordinate and supervise the grant of credit from public funds for agricultural purposes by the various persons or bodies of persons whether incorporate or unincorporated;To provide financing, advances, and other credit facilities for the development of the agriculture sector and agriculture related business;To mobilise savings with particular regard to the agricultural sector and in furtherance of this object to accept savings and time deposits;To uplift the well-being of the agricultural community; and,To carry on the general business of a modern and progressive financial services institution catering for the total financial needs of its customers.

SOURCES AND USES OF FUNDS1.DEPOSITsavings account, current account & moreEG: Basic Savings Account-i (Agro BSA-i)Agro BSA-i is a basic savings account that provides various options for financial management of individuals aged 12 years and over: personal accounts, trust or joint. This savings account is based on the Yad Dhamanah transactions. Personal Accounts - For individuals 12 years and overTrust Account - Open for individuals under 12 years old and managed by the Trustees aged 18 years and above.Joint Accounts - Accounts managed by a group of individuals does not exceed five (5) people aged 18 years and above.

2.PERSONALAgroCash-iAgroCash-i is a personal financing which provides consumer financing especially for agriculture and agro-based activity. The implementation of the product is based on the Bai al-Inah transactions.In these transactions, the seller sells an asset to the buyer on cash basis and then buys back the asset at a deferred price which is higher than the cash sale price. It may also be conducted where the seller sells the asset to the buyer at a deferred price and subsequently buys back the asset on cash basis at a lower price than the deferred sale price.In this financing, the Bank will sell the asset (a land owned by a bank or other asset advised by the Bank) to the customer at a selling price which is to be paid on a deferred basis.Financing LimitGovernment ServantMaximum RM200,000GLC StaffMaximum 10 times of gross salary and based on maximum financing limit of RM100,000Financing TenureMaximum 10 yearsProfit Rates (Subject to qualification and current changes)

3. BUSINESSTanaman Semula Kelapa Sawit-i (SAWIT-i)SAWIT-i is a financing facility for smallholders who are involved in small-scale oil palm plantation. SAWIT-i is based on the Bai Bithaman Ajil (BBA) transactions.Financing facility for:Re-planting; orExpansion of the Existing PlantationThis product offers financing facility with features as per below. As an example:Facility AmountRM 50,000Facility Tenure10 years or 120 monthsProfit Rate*8.85% p.a. on monthly rest basis *Note: BFR (6.85%) + 2.0%. BFR is subject to current changes.AdvantagesAttractive financing rates and competitive pricing.Fast financing approval.Rapid process disbursement.

4.ELECTRONIC BANKING

AGRONet (Internet Banking)With AGRONet, our personal customers can do most of their banking online in real-time, when and where it suits. That could be at home, at work or anywhere in the world with internet access. AGRONet is available from 4.00am until 12.00am daily (including SAT, SUN and Public Holidays).

AGRONetBIZ (Business Internet Banking)Business Internet Banking or known as AGRONetBIZ is an online banking service designed for business or non-individual customers such as company, association, club, and society or government bodies registered under Malaysian Company Act. This product is based on the Ujrah transactions. The company shall have an active business company deposit account(s) with Agrobank. AGRONetBIZ allows corporate and commercial customers to conduct financial transactions on a secure website operated by the bank. To log-in AGRONetBIZ service, the customer would go to the banks website, and access the online banking facility using the customer personal username and password. Once logged-in, the customer can perform various banking transaction without having to go to the bank.There are two (2) types of access available for AGRONetBIZ which are:Inquiry Access For viewing onlyTransactional Access FULL access (View, Initiate and Approve banking transaction)Below are the service offered by AGRONetBIZ:Account Inquiry- Display customer details of Savings Account / Investment / Financing, Transaction History and AGRONetBIZ Transaction History.Fund Transfer- Allow customer to transfer fund from their Agrobank account to another account as per option below:i. Transfer to own account and another 3rd party Agrobank accountii. Interbank Fund Transfer (IBG)

5. SERVICESBill Payment- Allow customer to pay bills to the available payee corporations and register their favourite billers for easier payment process in the future.Authorization- Allow customer with Approver access to approve or reject any financial related transaction initiated by Initiator.Internet Banking Service Management- Only accessible to the customers appointed as Corporate Administrator. Corporate Administrator function is to manage their User access (Viewer, Initiator and Approver).Profile Management- Allow customer to manage account profile such as Change Password.Message Box- Allow customer to receive notification message sent by the bank.CONCLUSION Agrobank main focus is in developing the agricultural sector of the country. Development Financial Institutions (DFIs) are established by the Government to promote the development of certain identified priority sectors and sub-sectors of the economy, such as agriculture, infrastructure development and international trade. DFIs generally specialise in the provision of medium and long term financing of projects that may carry higher credit or market risk. It is envisaged that in the next decade, DFIs will continue to progress and assume a more significant role in pursuing the Government policy goals for strategic, social and economic development.