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Perancang Kewangan Islam

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PERANCANG KEWANGAN ISLAM

Sudah menjadi fitrah kehidupan, setiap insan mempunyai cita-cita, angan-angan dan impian untuk mendapat kehidupan yang baik. Seringkali kehidupan yang baik dikaitkan dengan wang dan material yang disandarkan kepada tabungan dan perbelanjaan. Ini bermakna, anda perlu menentukan matlamat kewangan anda samada anda menabung untuk berumahtangga, membeli rumah, kenderaan, dana pendidikan anak, pembiayaan perubatan atau merancang persaraan yang selesa. Oleh itu, anda perlu merancang dan mengurus perihal kewangan dengan baik, teratur dan terarah yang dapat menjadikan impian kewangan yang anda idam-idakan itu menjadi kenyataan. Lebih awal anda mula merancang, bertambah baik peluang anda, memandangkan anda akan mempunyai masa yang lebih panjang dan lebih fleksibel.

Kita perlu sedar betapa perlunya merancang kewangan demi memenuhi matlamat hidup, lebih-lebih lagi bagi golongan muda yang berhijrah keluar meninggalkan rumah samada untuk melanjutkan pelajaran, bekerja atau mendirikan rumah tangga. Golongan ini perlu mempunyai asas tentang hidup berdikari dan jumlah kos yang diperlukan untuk menampung kehidupan tersebut. Tentu sekali tempat tinggal dan wang yang mencukupi diperlukan untuk menyara perbelanjaan harian dan juga simpanan bagi menampung keperluan yang tidak dirancang seperti bil-bil perubatan dan sebarang kecemasan. Bergantung kepada gaya hidup, mereka ini mungkin mempunyai senarai keperluan yang lebih panjang. Oleh yang demikian, mereka ini memerlukan nasihat, petua dan juga pedoman dari mereka yang lebih arif dari segi pengetahuan dan berpengalaman. Contohnya pengetahuan berhubung cara-cara berbelanja dan berjimat mengikut keupayaan kewangan agar tidak melebihi lingkungan pendapatan mereka. Di negara Barat umpamanya di Kanada, Britain dan Amerika Syarikat, asas serta kepentingan perancangan kewangan telah dijadikan topik di dalam kurikulum kemahiran hidup dan diperkenalkan sejak di bangku sekolah lagi.

Malangnya di Malaysia, masyarakat kita tidak diberikan pendidikan formal serta kesedaran mengenai kepentingan pengurusan kewangan. Akhirnya ramai yang telah terjebak dengan masalah kewangan contohnya gagal menjelaskan hutang kad kredit, malah ada yang lebih menyedihkan lagi aset atau hartanah yang dicagarkan kepada institusi kewangan terpaksa dilelong untuk melunaskan hutang kredit mereka. Kegagalan tersebut membawa padah kepada mereka hingga menyebabkan mereka ini menjadi muflis. Kumpulan ini sebenarnya memerlukan khidmat nasihat pakar bagi membantu menguruskan perancangan kewangan yang baik supaya dapat menangani masalah kegunaan kredit yang keterlaluan dan tidak terancang. Pakar-pakar perancang kewangan perlulah telus dalam membuat perancangan yang bukan sahaja dapat menyeimbangi pendapatan dan perbelanjaan tetapi harus merangkumi peluang-peluang melabur bagi menambahkan tabungan. Selain itu, anda juga perlu mendapatkan asas pembinaan bagi merancang persaraan yang selesa di usia emas anda kerana satu perkara yang sudah tentu ingin dielakkan setelas bersara adalah hutang-hutang yang belum dilangsaikan.

Anda juga harus bijak memilih perancangan yang sesuai dengan kemampuan anda. Dengan ertikata yang lain, membuat perancangan sendiri selain mendapat nasihat dari pakar-pakar perancangan kewangan dalam menyusun dan membina matlamat hidup yang jelas berdasarkan tahap kewangan yang sedia ada, serta membuat perancangan kewangan dengan mencadangkan strategi pelaburan yang sesuai bagi membantu anda mencapai matlamat kewangan anda daripada sekarang sehinggalah ke usia persaraan anda.

Anda juga mampu menjadi salah seorang perancang kewangan yang profesional dan berdaya saing sekiranya anda mendapat sijil tauliah Perancang Kewangan berlesen. Bagi membantu anda yang bercita-cita untuk menjadi perancang kewangan yang profesional, Islamic Banking and Finance Institute Malaysia (IBFIM) dan Financial Planner Association of Malaysia (FPAM) sedia membantu anda.

IBFIM dan FPAM telah bergabung tenaga menghasilkan suatu program pensijilan Perancang Kewangan Islam lebih dikenali sebagai IFP (Islamic Financial Planner) yang diiktiraf oleh Bank Negara Malaysia dan Suruhanjaya Sekuriti. Program IFP ini adalah yang terulung di Malaysia dan mungkin di dunia. Program ini membimbing dan melatih anda untuk membentuk dan membina perancangan kewangan mengikut prinsip dan landasan Syariah yang menumpukan perhatian kepada perkara utama dalam pengurusan kewangan termasuk perancangan takaful, cukai dan zakat, persaraan, harta perwarisan Islam dan pelaburan Islam. Anda akan mendapat pendedahan tentang konsep-konsep asas yang perlu termasuk jenis-jenis kontrak yang diterima pakai dalam kewangan Islam, kesan inflasi, pengurusan risiko melalui takaful, konsep pembelbagaian / diversifikasi, pemurataan kos pelaburan serta gabungan pelaburan yang sesuai untuk anda.

Sayugia diingatkan bahawa perancangan kewangan Islam membabitkan perancangan belanjawan bagi pengurusan pendapatan yang lebih efisyen; yakni bijak melabur dan merancang kewangan untuk masa depan yang lebih baik berlandaskan hukum syarak.…...

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