Apa matlamat koperasi.azzahabi.my


Menyediakan kemudahan menyimpan harta anda dalam bentuk 0.1 gram unit-unit emas …


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Ada apa dengan Emas?


Emas sebagai ukuran nilai harta 

Sesungguhnya nilai Emas itu melangkaui masa dan Emas itu sendiri adalah kayu ukur kekayaan yang sebenar.

BIG_Income Growth

Pertumbuhan pendapatan dari 1980 ke 2012 bagi kumpulan pendapatan Pertengahan Rendah dan Rendah adalah lebih kurang 800% dalam nilai Ringgit, tetapi dalam nilai Emas, penambahannya hanya 200%.

Ini bermakna walaupun kita mempunyai lebih banyak Ringgit akan tetapi nilai Ringgit itu sendiri telah merosot sebanyak 75% dari nilai Ringgit pada tahun 1980.

Inilah yang di namakan kehilangan kuasa beli.

Impaknya dapat kita lihat secara langsung ke atas harga rumah.

BIG_House Price RM v Gold

Sungguhpun harga rumah meningkat mengikut kadar Ringgit, tetapi jika dinilai dengan emas, harga rumah sebenarnya telah susut nilainya sebanyak 60% – 80% dari nilainya pada tahun 1972.

Maknanya, sek...

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Collect your azzahabi.my picBadge

azzahabi.my thumbnail

By wearing the azzahabi.my badge you are telling the world that you are part of the koperasi.azzahabi.my community and that you would be able to give and receive the azzahabi.my gold units as inter account transfers …

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Why Wall Street & Govts Hate Gold

Straits Settlements, George V, Silver, 1 Dollar, 1919 1

Why Wall Street And Governments Hate Gold | Gold Eagle.

Michael Pento

December 8, 2014

Gold is hated more than ever by both governments and the financial services community. This is because it has now become imperative to keep the illusion of confidence in sovereign debt and paper currencies. To that end, a gentleman by the name of Willem Buiter, Citigroup’s chief economist, shot into the media spotlight by writing a note on the day before Thanksgiving stating his belief that gold is in a six thousand year-old bubble.

Citi’s chief economist penned this “brilliant” commentary in the days just prior to the Swiss referendum on increasing the percentage of gold reserves held by its central bank. In a clear attempt to influence the gold vote, Mr...

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Registration Policy


Applicants registering with Koperasi Az-Zahabi Selangor Berhad are subject to Section 4 of the Undang-Undang Kecil Koperasi as endorsed by Koperasi Az-Zahabi Selangor Berhad’s first annual general meeting.

Application for Registration as members of the Koperasi must be made via azzahabi.my

 Member Policy

  1. A registration fee of RM 20.00 is payable with the application.
  2. The fee is returnable should the application be rejected by the Koperasi.
  3. Re-registration fee shall be RM 50.00.
  4. Nominees can assume principal’s membership within 6 months of the member’s demise.
  5. By clicking the “Register” button the applicant declares that he/she
    1. Shall be bound by the Undang-Undang Kecil Koperasi and its adopted Aturan for its activities
    2. Not a legally charged person.
    3. Not an undischarged bankrupt...
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Why Gold Is Headed Much Higher


By Michael Pento
At Gold Eagle
November 24, 2014

gold price risingWhat really drives the price of gold? Some say it’s a fear gauge. Others prefer to look at the demand coming from the Indian wedding season. But the silliest of all conclusions to reach is that the dollar price of gold should be determined solely by its value vis-à-vis another fiat currency.

The truth is the primary driver of gold is the “intrinsic value” of the dollar itself, not its value on the Dollar Index (DXY). The “intrinsic value” of the dollar can be determined by the level of real interest rates. Real interest rates are calculated by subtracting the rate of inflation from a country’s “risk free” sovereign yield. Right now the level of real interest rates in the U.S. is a negative 1.55%.

A key factor is to then determine the futu...

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How to spend our money?


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Jual-Beli emas secara tidak tunai


Fatwa Nomor: 77/DSN-MUI/V/2010
Dewan Syariah Nasional Majelis Ulama Indonesia

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Middle Class: 10 Years Ago And Now

By Fiona Ho 29 October 2014

Once upon a time, being middle class draws on the rosy notion of a family with a nice house, who drives a Volvo, goes on beach or skiing vacations once or twice in a year, sends their kids to college, and lives a generally carefree and comfortable life.

Unfortunately, as living costs continue to rise and salaries struggle to catch up, the term “middle class” seems to have taken on a new and greyer meaning in recent years.

In Malaysia, middle class is loosely defined by those who take home a monthly income of RM3,000 and above. Government data from the year 2012 showed that 27.8% of households in the population of 30 million earned between RM3,000 and RM4,999 a month.

BIG_House Price RM v GoldAbout 39% of households fal...

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A Signal Of Coming Collapse

A Signal Of Coming Collapse | Gold Eagle.
Keith Weiner November 6, 2014

I proposed seven drivers of financial implosion in my dissertation. My recent writing has focused on two of them. One is the falling rate of interest on the 10-year government bond. As interest falls, the burden of debt rises. Since the falling rate incentivized more and more people to borrow, the number of indebted people, businesses, corporations, and of course governments is large. When the rate gets to zero, the burden of debt becomes theoretically infinite.

In the US, the downward trend is still in a deceptively mild phase (though there was a vicious spike down on Oct 15 to 1.87%). The rate on the 10-year Treasury is 2.3% today. In Germany, it is down to 0...

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