Tuesday, 8 October 2013

Fwd: Great Gift - Hajj Special High Quality Video Daroos

THE NAME OF "ALLAH"

Hajj Special High Qualityu Video Daroos

 


 

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{Kantakji Group}. Add '12135' Germany's FWU issues rare asset-backed sukuk

 
 
Oct 7 (Reuters) - FWU Group, a Munich-based financial services company, has issued a $20 million five-year Islamic bond backed by insurance policies, a small but rare example of an asset-backed sukuk from a European firm.
FWU, which offers takaful (Islamic insurance) solutions, used a structure known as wakala. The sukuk is the first tranche of a $100 million programme rated BBB- by Fitch, and arranged by EIIB-Rasmala, a venture between London-based European Islamic Investment Bank and Dubai's Rasmala Group.
While many sukuk have used rental or asset-based structures, proponents of wakala agency agreements argue that because ownership of assets is fully transferred during the life of the sukuk, they offer a stronger link to real economic activity, a key principle in Islamic finance.
In a wakala sukuk, certificates are issued by an originator to buy assets which are given to an agent for management; the agent charges a fee for his services and the originator undertakes to buy the assets on maturity at an agreed price.
"Sukuk will benefit from moving to asset-backed structures, so ring-fencing and recourse to the underlying assets is important," said Harris Irfan, managing director at EIIB.
"It is fair to say the spirit of sharia-compliant financing is not merely about replicating conventional financing, rather it is about forging a new path - making a connection with the real economy."
The wakala format used by FWU is flexible enough for other Western issuers to consider tapping the sukuk market, as long as they can identify a set of assets, he said. "Anything with a regular income stream - it could be a utility or a toll-road - any asset which you can ring-fence."
Proceeds of FWU's sukuk, which carries a profit rate of 7 percent, will be used to fund a set of re-takaful transactions for its Luxembourg-based unit Atlanticlux, which is the ultimate obligor under the programme.
The assets for the transaction are the beneficial rights of insurance policies; ownership is transferred to a Guernsey-based company which is in turn managed by AON PLC, which acts as the agent.
Last December, FWU issued a $55 million seven-year sukuk through a private placement that was backed by intellectual property rights. That sukuk, its first, was based on the principle of ijara, an Islamic sale and lease-back contract
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[PF:172683] Pearls of Wisdom by Qutb al-Madinah Shaykh Diya al-Deen al-Qadiri Alayhir Rahmah

..:: Golden Words of Wisdom ::..
by Qutb-e-Madina Shaykh Diya al-Deen Ahmad
Siddiqi al-Qadiri Ridawi al-Madani Alayhir Rahmah
 
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  • Always be steadfast on the sacred Shari'ah. The greater one is obedient to the Shari'ah the higher one attains status in Tariqah.
  • Do work for the Religion for the sake of the Religion and do not do it for name and fame.
  • Engage in feeding food even though it is basic Dhaal and rice. There is great virtues and Barakaat in feeding.
  • Become a Veiler [Sat'taar – one who hides the faults of others]. Hide the faults of the Muslim, may they be religious or worldly.
  • Duniya [world] is an evil thing. He who is tangled with it keeps on sinking into it. He who runs away from it [Duniya], it remains at ones feet.
  • Salah and Fasts are from the essentials, but real religion is rectifying ones transactions.
  • Here [in Madina al-Munawwarah] the wise and elders say; 'Constant performance of Salaah becomes a habit, by keeping Fasts, the cost of one meal is saved and religion is the name of rectification of dealings.
  • First Salaam [greetings], second feed food and third talk. When someone visits you, first greet him then feed him and lastly ask him the reason of his visit.
  • The Murshid who is dependent on the Murid, in my view, is not a Murshid.
  • To become a Murshid [Peer] is very difficult and to be a son of a Murshid [Sahibzaadah] is very simple. Allah SubHanuhu wa Ta'ala save us from becoming Sahibzadahs.
  • In obedience there is virtue and in innovation [Bid'ah] there is destruction. Be a follower and you will attain salvation.
  • In secrecy is salvation and fame breeds discord.
  • Allah SubHanuhu wa Ta'ala has given the cursed devil great powers. It is only Allah's (SubHanuhu wa Ta'ala) Mercy that can protect one from the evil of the devil.
  • The Spiritual Silsilah is only one that is the Qadiriyyah. The rest are its tributaries.
  • There is no harm in eating the bread [food] of a miser. But one must abstain from eating anything from a Man'nan [one who advertizes his favours]. May Allah SubHanuhu wa Ta'ala protect us from the favours of a Man'nan.
  • There is no goodness in the sand of Najd, it has nothing but pure evil.
  • Do not give anyone a loan more than your financial capacity and don't reveal the loan to anyone nor demand its repayment. If the creditor returns the loan regard it as a fresh sustenance from Allah SubHanuhu wa Ta'ala.
  • Doing good deeds is a Toufeeq from Allah SubHanuhu wa Ta'ala and a sign of acceptance. Guidance is certainly from Allah SubHanuhu wa Ta'ala but a servant has to make efforts in doing good deeds.
  • A fortunate person is he whose letter is read in the sacred city of Madina al-Munawwarah or he is discussed with goodness there or his name is mentioned there.
  • Continue extolling the sacred name of 'Ya Ghawth Ya Ghawth'. There are blessings of this sacred name in both the worlds.
  • Never recite the Darud Sharif with the intention of Ziyaarah. The beloved Habib SallAllaho Alaihi wa Aalihi wa Sallam is not restricted to any human. If He (SallAllaho Alaihi wa Sallam) blesses anyone then it is His favour.
  • No greed, no rejection and no hoarding are virtue.
  • Wafa [trust] is either you bury your companion or he buries you in the ground.
  • Safeguard yourself from severe cold as it takes its grudge in old age.
  • Wealth is madness and seek Allah's (SubHanuhu wa Ta'ala) protection from it as it take a long time to regain consciousness from it.
  • Fulfilling lust is a deadly companion and an evil habit. It is a lethal enemy.
  • Pride and boastfulness destroys the intellect.
  • Avoid relationship with your opposite specie.
  • Don't ask Allah SubHanuhu wa Ta'ala for abundance, If you have reliance then there is great abundance of Barkat in little sustenance.
  • Knowledge is achieved by seeking it; sitting in the company of the knowledgeable and also by Divine Inspiration.
  • Your Murshid [Peer] is he on whose hands you have initially taken Bay'ah. Regarding Faydh [blessings], take it wherever you find it.
  • Always keep far from dissention and disunity.
  • Goodness is in being kind to the creation of Allah SubHanuhu wa Ta'ala.
  • One must give charity according to the ones means and ability.
  • Never behave with severity and harshness as there is no goodness in it.
  • If anyone sits [lives] in Madina al-Munawwarah with justice and patience, then sustenance [Rizq] comes to him from all directions.
  • If anyone is caught in the net of a Najdi [Wahabi], he sinks to the depths of the ocean [of destruction]. If he is saved from this then regard it as a gift of a new life.
  • A poor man [Faqir] is a blessing and not a burden.
  • To educate an evil and incompetent person is to put the Ummah in discord.
  • Exercising patience in hardship and misfortune is the key to success.
  • Accept the excuse or apology of your enemy.
  • Do not regard your enemy weak and sickness as insignificant.
  • Spiritual culture is not to hurt the feelings of anyone.
  • Four things are disastrous to a human;
    1) To eat food when not hungry.
    2) To habitually take medication
    3) To have excessive sex
    4) To dig for the faults of others.
  • Write letters as paper horses are good.
  • He who is kind to creation is in reality engaged in the Love of the Creator (SubHanuhu wa Ta'ala).
  • People have attained everlasting wealth in Adab [respect] and enthusiasm.
  • Do not behave like a mad man in search of sustenance because whatever is destined for you, you will certainly receive.
  • Secret charity stops the wrath of Allah SubHanuhu wa Ta'ala.
  • He who desires the goodwill of creation with good conduct has brightened his face.
  • He who has good supposition lives a peaceful life.
  • An intelligent person never leaves four things; patience, thankfulness, peace and solitude.
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Translated by an insignificant mendicant of the illustrious Qutb
Khadim al-Ilm al-Sharif Faqeer Abdul Hadi al-Qadiri Ridawi
Imam Ahmad Raza Academy, Durban - South Africa
Youm al-'Arafa 9th Dhu al-Hijjat al-Haram 1432H

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