Hantaran or Mas Kahwin: Which One Is Important? [ENG]

Each partner in the world wants a happy marriage, and lasting until the end of life. Every race and religion thinks that marriage is a celebration of the sacred and beautiful. Even from a young age we all have been exposed to fairy tales such as Cinderella, Snow White and Rapunzel ended with a happy marriage. Each nation has its customs and culture of its own marriage. Each house would have inherited the tradition of their fathers wedding. The same goes for the Malays. Clear difference between the Malays and the other races are in terms of dowry and dowry.

Dowry dowry is determined by the state Islamic departments and the numbers called during the ceremony. It is mandatory from the groom to the bride. The man is free to put the amount of the dowry. However, after the ceremony that the money belongs to the absolute wife and the wife are free to use the money according to his will.

Deliveries also is a gift of money from the man to the woman. It is duty of the man to pay for it separately. The actual amount of dowry at the discretion of both the groom and the bride during the men sent a delegation inquire or proposed. The aim of dowry is given to the woman is to ease the burden of the bride to spend weddings.

However, society is often confused with customs duties. This caused confusion in the case of divorce is increasing. Parents in this era moiden mostly prefer dowry against dowry. Even the dowry is now placed on a par with the bride's academic status. The higher the level of education they are getting more expensive dowry by the bride so placed that amount beyond the capabilities of the groom. Due to the constraints and obstacles of the female side of the family, the groom is willing to make loans.

Basically marriage is a very sacred and easy. But now the marriage becomes a burden to the prospective bride especially the groom. If there is no money in the hands of RM10 000 minimum it is difficult for young couples wishing to implement their intent to marry. Many divorce cases occur in Malaysia because they stuck with the debts around the waist. Because of this, too much debt that they become depressed and decided easily.

Marriage is only occurs once in a lifetime, but it must be remembered in our own and meet the satisfaction of all parties, we should act wisely and think in the long run. So renunng-ponder whether to get married life after a happy and harmonious or want to live in debts.

Hantaran atau Mas Kahwin Lagi Penting? [MAL]

Setiap pasangan di dunia menginginkan sebuah perkahwinan yang bahagia dan berkekalan sampai ke akhir hayat. Setiap bangsa dan agama beranggapan bahawa perkahwinan adalah sebuah majlis keraian yang suci dan indah. Bahkan sejak dari kecil lagi kita semua telah didedahkan dengan kisah-kisah dongeng seperti Cinderella, Snow White dan Rapunzel yang berakhir dengan sebuah perkahwinan yang bahagia. Setiap bangsa mempunyai adat resam dan budaya perkahwinannya yang tersendiri. Setiap kaum pasti akan mewarisi tradisi perkahwinan nenek moyangnya. Begitu juga dengan kaum Melayu. Perbezaan jelas antara kaum Melayu dengan kaum lain adalah dari segi mas kahwin dan hantaran.

Mas kahwin ialah wang hantaran yang ditetapkan mengikut jabatan Islam negeri dan jumlahnya disebut ketika akad nikah. Ia merupakan bayaran wajib daripada pengantin lelaki kepada pengantin perempuan. Pihak lelaki bebas meletakkan amaun mas kahwin tersebut. Walau bagaimanapun, setelah akad nikah wang tersebut menjadi milik mutlak si isteri dan si isteri bebas menggunakan wang tersebut mengikut kehendaknya.

Hantaran pula ialah merupakan wang hadiah daripada pihak lelaki kepada pihak perempuan. Ia tidak menjadi kewajipan kepada pihak lelaki utnuk membayarnya. Jumlah wang hantaran tersebut sebenarnya bergantung kepada budi bicara kedua-dua belah pihak pengantin lelaki dan pengantin perempuan semasa pihak lelaki menghantar rombongan merisik atau meminang. Tujuan wang hantaran ini diberikan kepada pihak perempuan adalah untuk meringankan beban pihak perempuan untuk mengeluarkan belanja kenduri kahwin.

Namun, masyarakat kini sering keliru antara kewajipan dengan adat. Disebabkan kekeliruan ini maka kes perceraian di Malaysia semakin meningkat. Ibu bapa di era moiden ini kebanyakannya lebih mengutamakan wang hantaran berbanding dengan mas kahwin. Bahkan wang hantaran kini diletakkan setaraf dengan status pengajian si pengantin perempuan. Semakin tinggi tahap pengajian mereka semakin mahal wang hantaran diletakkan oleh pihak perempuan sehinggakan jumlah tersebut di luar kemampuan pengantin lelaki. Disebabkan kekangan dan halangan daripada keluarga belah perempuan maka, si pengantin lelaki sanggup membuat pinjaman bank.

Pada dasarnya perkahwinan adalah suatu yang sangat suci dan mudah. Namun kini perkahwinan menjadi satu bebanan kepada bakal-bakal pengantin terutamanya pengantin lelaki. Jika tiada wang RM10 000 minimum dalam tangan maka sukar bagi pasangan-pasangan muda ini ingin melaksanakan hajat mereka untuk berkahwin. Kes perceraian banyak berlaku di Malaysia kerana mereka tersepit dengan hutang-piutang sekeliling pinggang. Disebabkan hutang yang banyak ini jugalah mereka menjadi tertekan dan mengambil keputusan mudah.

Perkahwinan memang hanya berlaku sekali seumur hidup namun harus diingat dalam kita memenuhi kepuasan hati sendiri dan semua pihak, kita seharusnya bertindak bijak dan berfikir dalam jangka masa yang panjang. Jadi renunng-renungkan sama ada ingin mendapat kehidupan selepas kahwin yang bahagia dan harmoni atau ingin hidup dalam hutang-piutang.

Online fraud: Seller or Buyer [ENG]

Online business has become a lucrative source of income for some middle-income earners. In fact, online business also has widened the opportunities for the university students to earn extra income to finance their studies. Furthermore, shopping has become easier with online business. Click on the items to be purchased and soon it will arrive at your destination. Everything is just at the fingertips. Purchasing items through social sites like Facebook and Instagram seem simple and easier to certain people who have a tight schedule everyday.

However, online business is very risky to online fraud. Online business has become a site for some unscrupulous people to commit various tactics of fraud. Previously, most of the cases reported were only involved the buyers been deceived by the online sellers. The most common scams are the confusing advertisement, offer the lowest price to the customers and the item received is different from what have been ordered. But now, the situation is slightly different where the sellers also could be the victim of the online fraud. There are few cases reported regarding online sellers deceived by the irresponsible buyers. Normally fraudsters will trick the online sellers during the money transaction using automated teller machine (ATM). The fraudsters will snap the picture of the fake transaction receipt.

Most of the fraudsters are sweet talkers and would always give numerous excuses and promises. Apart from that, they also would always make up sad stories to get sympathy from the victims. Sometimes, they will act as a serious buyer/seller; they willingly give out details about themselves but unfortunately the information given is false. Dealing through online is trickier than dealing directly since it will give some time to the fraudsters to come out with another trick such as making another sad story or maybe they will blame the postage service. 

In fact, it will be difficult to trace them as they could hide their true identity by giving the false information and fake profile picture. Most of the victims of online fraud will only realize once the money has been transferred to the scammers or after they received the goods. Then most of the fraudsters will block the victims on social media and mobile applications such as Whatsapp, Facebook Messenger and Wechat. Thus, making it more difficult for the victims to trace them and collect evidence for police report. 

Therefore, in order to control the online fraud, the government in collaboration with the Companies Commission of Malaysia (SSM), has required all dealers who do business on Facebook, Mudah.my, website, blogspot, Instagram and mobile applications to register their businesses with SSM. Failure to register can be prosecuted and fined. Online sellers must also register with the Malaysian Communications and Multimedia Commission (MCMC) to prove that the dealer is honest in his business as well as to give confidence their clients. If the seller commits online fraud, the buyer should lodge a complaint at Tribunal for Consumer Claims Malaysia. Meanwhile for sellers, they could submit their complaints to the authorities.

These online fraudsters will always adapt their way of scamming and they will never reveal their true identity to the public. Therefore, the dealers and buyers should always bear in mind to be more careful when doing online business. It is recommended for the authorities to monitor the fraudsters regularly. In conclusion, the user should be a smart user when shopping. 

Penipuan Atas Talian: Penjual atau Pembeli [MAL]

Perniagaan atas talian atau online business telah menjadi satu sumber pendapatan yang agak lumayan kepada sesetengah golongan berpendapatan sederhana. Malahan perniagaan atas talian juga membuka peluang kepada golongan pelajar universiti, terutamanya yang ingin mencari pendapatan sampingan bagi membiayai pengajian mereka. Dengan wujudnya perniagaan atas talian ini, segala urusan membeli-belah juga menjadi mudah, iaitu hanya di hujung jari sahaja. Klik pada barangan yang ingin dibeli dan ia akan tiba di depan pintu rumah. Kaedah pembelian secara atas talian di laman sosial, seperti Facebook dan Instagram kelihatan mudah kepada sebilangan golongan yang mempunyai jadual harian yang padat.

Walau bagaimanapun, perniagaan atas talian ini mempunyai risiko yang tinggi dari segi penipuan. Perniagaan atas talian ini juga telah membuka peluang kepada golongan yang tidak bertanggungjawab untuk melakukan pelbagai helah dan taktik penipuan. Jika sebelum ini, kebanyakan kes yang dilaporkan adalah kes peniaga atas talian menipu pembeli. Antara penipuan yang biasa terjadi ialah penjual meletakkan iklan yang mengelirukan, menjanjikan harga tawaran yang terendah dan tidak memperoleh produk seperti mana yang diiklankan. 

Namun kini, keadaan yang sebaliknya berlaku. Terdapat segelintir pembeli yang tidak jujur dalam urusan jual beli atas talian ini. Kebiasaannya penipuan daripada pembeli berlaku semasa proses transaksi duit. Apabila segala urusan berkaitan jual beli barang dijalankan secara atas talian, maka agak sukar bagi kedua-dua pihak untuk mengenal pasti identiti individu terbabit. Kebanyakan mangsa penipuan atas talian ini hanya akan sedar apabila segala urusan jual beli telah selesai. Perkara ini juga menyukarkan pihak berkuasa untuk mengesan individu yang tidak bertanggungjawab tersebut.

Oleh sebab itu, bagi mengawal masalah penipuan atas talian ini, kerajaan dengan kerjasama Suruhanjaya Syarikat Malaysia (SSM), telah mewajibkan semua peniaga yang menjalankan perniagaan di Facebook, Mudah.my, laman sesawang, blogspot, Instagram dan aplikasi mudah alih untuk mendaftarkan perniagaan mereka di SSM. Kegagalan untuk mendaftar boleh didakwa dan dikenakan denda. Peniaga atas talian juga perlu berdaftar dengan Suruhanjaya Komunikasi dan Multimedia (SKMM) bagi membuktikan peniaga tersebut jujur dalam perniagaannya selain dapat meyakinkan pelanggan mereka. Jika berlaku penipuan atas talian, pembeli boleh membuat aduan di Tribunal Tuntutan Pengguna Malaysia, manakala bagi peniaga pula, mereka boleh mengemukakan aduan kepada pihak berkuasa.

Pihak yang tidak bertanggungjawab ini akan sentiasa menukar-nukar modus operandi bagi mengelakkan mereka dikesan oleh pihak berkuasa. Oleh sebab itu, diingatkan para peniaga dan pembeli perlu berhati-hati sekiranya menjalankan urusan secara atas talian. Disarankan agar pihak berkuasa untuk sentiasa memantau pihak-pihak yang tidak bertanggungjawab ini. Kesimpulannya, pengguna perlu menjadi pengguna yang bijak dalam apa juga bentuk pembelian.