Speaker and Consultant on the Following Topics...

I'm a professional speaker and consultant on the the following areas and topics:

A: Islamic Finance & Islamic Financial Planning

1) Global development of Islamic financial system

2) Shariah principles in Islamic finance

3) Fiqh muamalat (Islamic commercial rules/laws)
4) Islamic economic system
5) Islamic banking

6) Islamic wealth management

7) Islamic financial planning

8) Islamic unit trusts/mutual funds
9) Islamic investment

10) Islamic retail (consumer) banking

11) Islamic contract and business financing

12) Islamic product research, development and innovation

13) Shariah compliance audit

14) Risk management for Islamic financial institutions

15) Marketing strategies for Islamic financial services

16) Islamic finance syllabus & module development

B: Management

1) Time management
2) Risk management
3) Change management
4) Performance management
5) Entrepreneurship excellence

6) Training management

7) Islamic management and ethics

C: Personal Development & Motivation

1) Positive mental attitude/positive thinking

2) Formula for excellence and success
3) Team building and organizational excellence
4) Al Falah Success Principles: "Success in Both Worlds"
5) Professionalism
6) Self-assessment and improvement
7) Motivational talk
8) Islamic motivation

All topics can be delivered in English & Bahasa Melayu.

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Ahmad Sanusi Husain (CIFP,BSc,MIMM,DiT)
Profile: i) Profile in English ii) Profile in Malay (Bahasa Melayu)

Contact me:

Ahmad Sanusi Husain
CEO, Alfalah Consulting

Level 14-02, GTower

Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia

e-mail: sanusi@alfalahconsulting.com Cc. sanusi.my@gmail.com

Tel: +603-2168 1879 Mobile No: +6019-234 8786

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Tingkatan Puasa Menurut Imam Al-Ghazali

Imam Al-Ghazali dalam kitab Ihya’ Ulumuddin membagi puasa dalam

tiga tingkatan:

1) Puasa orang awam,

2) Puasa orang khusus, dan 

3) Puasa orang super khusus.

Tingkatan pertama, iaitu puasa orang awam, adalah puasa yang hanya menahan perut (dari makan dan minum) dan kemaluan dari memperturutkan syahwat, namun masih tetap (dan tidak mampu) melepaskan diri dari perbuatan dosa dan maksiat. Imam al-Ghazali pernah berkata: “Berapa ramai orang yang berpuasa, namun ia tidak mendapatkan dari puasanya itu selain lapar dan haus. Sebab, hakikat puasa itu adalah menahan hawa nafsu, bukanlah sekadar menahan lapar dan haus. Boleh jadi orang tersebut memandang yang haram, Ghibah dan berdusta. Maka yang demikian itu membatalkan hakikat puasa.”

Golongan ini adalah orang-orang yang oleh Nabi Muhammad SAW disebut sebagai golongan orang-orang yang merugi, kerana mereka tidak mendapatkan apa-apa kecuali lapar dan dahaga. Jumlah golongan ini sangat ramai, bahkan majoriti di antara orang-orang yang berpuasa. Seboleh mungkin kita berusaha agar tidak termasuk golongan ini dengan mengamalkan puasa tingkatan kedua, iaitu puasa orang khusus (orang-orang sholeh). Puasa orang-orang sholeh adalah puasa yang selain menahan perut dan kemaluan, juga menahan semua anggota badan dari berbagai dosa dan maksiat. Menurut Imam al-Ghazali, kesempurnaannya ada 7 perkara:

Pertama, menundukkan pandangan dan menahannya dari memandang hal yang diharamkan, dicela dan dibenci (makruh) oleh agama dan norma, dan dari setiap hal yang dapat menyibukkan diri dari mengingat Allah SWT. Nabi Muhammad SAW bersabda: “Lima hal yang dapat membatalkan puasa: berkata dusta, ghibah (mengumpat orang), memfitnah, sumpah dusta dan memandang dengan syahwat.” (HR. Al-Azdiy).

Kedua, menjaga lisan dari membual, dusta, ghibah, perkataan kasar, pertengkaran, perdebatan yang tidak berguna dan mengendalikan lisan dengan diam, dzikir dan membaca Al-qur’an. Rasulullah SAW bersabda: “Puasa adalah perisai (tabir penghalang dari perbuatan dosa). Maka apabila seseorang dari kamu sedang berpuasa, janganlah ia mengucapkan sesuatu yang keji dan janganlah ia berbuat jahil.” (HR. Bukhari - Muslim). Dalam riwayat yang lain, Nabi SAW bersabda: “Barangsiapa yang tidak dapat meninggalkan perkataan kotor dan dusta selama berpuasa, maka Allah SWT tidak berhajat kepada puasanya.” (HR. Bukhari)

Ketiga, menahan pendengaran dari mendengarkan setiap hal yang dibenci karena setiap hal yang diharamkan perkataannya diharamkan pula mendengarnya. Keempat, menjaga semua anggota badan seperti tangan dan kaki dari dari berbagai dosa dan hal-hal yang dibenci, menahan perut dari memakan makanan yang subhat (meragukan) pada saat berbuka.

Kelima, tidak memperbanyak makanan pada saat berbuka sampai penuh perutnya, kerana tidak ada wadah yang dibenci oleh Allah kecuali perut yang penuh dengan makanan (meski makanan tersebut halal). Bagaimana puasa boleh bermanfaat untuk menundukkan musuhnya (setan) dan mengalahkan syahwatnya, jika orang yang berpuasa pada saat berbuka tidak mampu menahan nafsu perutnya?

Keenam, mengurangi tidur. Banyak orang yang termakan oleh hadith dhaif (lemah) “tidurnya orang berpuasa adalah ibadah”, padahal telahmenjadi kebiasaan Rasulullah SAW, apabila bulan Ramadhan tiba, beliau melipat alas tidurnya (mengurangi tidur), mengetatkan sarungnya (yakni bersungguh-sungguh dalam ibadah), serta mengajak keluarganya berbuat seperti itu pula. (HR. Bukhari-Muslim).

Ketujuh, cemas dan harap kerana takut kepada Allah. Hendaklah hatinya dalam keadaan ”tergantung” dan “terguncang” antara cemas dan harap kerana tidak tahu apakah puasanya diterima dan termasuk golongan yang muqorrobin atau puasanya ditolak sehingga termasuk orang yang merugi. Keadaan ini akan menjaga kita dari rasa riya’ dan takbur, merasa kebaikan yang dilakukan diterima oleh Allah SWT, padahal belum tentu demikian. Dengan memiliki sifat ini, kesinambungan (istiqomah) ibadah puasa dan amalan sholih selama Ramadhan akan tetap terjaga.

Tingkatan puasa yang terakhir adalah, puasanya orang super khusus, iaitu puasa yang disertai dengan puasa hati dari berbagai keinginan yang rendah dan pikiran-pikiran yang tidak berharga, juga menjaga hati dari selain Allah secara keseluruhan. Puasa ini akan menjadi ”batal” karena pikiran selain

Allah (segala pikiran tentang dunia, apapun bentuknya). Ini adalah puasanya para Nabi dan Rasul Allah SWT. 

Kalau begitu, bagaimana dengan puasa kita. Semoga kita berjaya dalam menghadai ujian ini…Amin Ya Rabbal ’alamin.

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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

Masjids in Palestine

Masjid Al- Aqsa - Baitul Maqdis, Palestine

Qubbat As-Sakhrah (Dome of The Rock) - Palestine

Masjid Janeen - Palestine

Masjid Al-Nasser in Gaza City - Gaza, Palestine

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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

The important things in life - a lesson from rocks, pebbles and sand

A philosophy professor stood before his class with some items on the table in front of him. When the class began, wordlessly he picked up a very large and empty mayonnaise jar and proceeded to fill it with rocks, about 2 inches in diameter.

He then asked the students if the jar was full. They agreed that it was.

So the professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles, of course, rolled into the open areas between the rocks.

He then asked the students again if the jar was full. They agreed it was.

The professor picked up a box of sand and poured it into the jar. Of course, the sand filled up the remaining open areas of the jar.

He then asked once more if the jar was full. The students responded with a unanimous “Yes.”

“Now,” said the professor, “I want you to recognize that this jar represents your life. The rocks are the important things – your family, your partner, your health, your children – things that if everything else was lost and only they remained, your life would still be full. The pebbles are the other things that matter – like your job, your house, your car. The sand is everything else, the small stuff.”

“If you put the sand into the jar first,” he continued, “there is no room for the pebbles or the rocks. The same goes for your life. If you spend all your time and energy on the small stuff, you will never have room for the things that are important to you. Pay attention to the things that are critical to your happiness. Play with your children. Take your partner (wife) out for a walk in the garden or travel. There will always be time to go to work, clean the house, give a fine dinner, or fix the disposal.”

“Take care of the rocks first – the things that really matter. Set your priorities. The rest is just sand.”

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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

A boiling lesson - what truly matters is what happens within us

Once upon a time a daughter complained to her father that her life was miserable and that she didn’t know how she was going to make it. She was tired of fighting and struggling all the time. It seemed just as one problem was solved, another one soon followed.

Her father, a chef, took her to the kitchen. He filled three pots with water and placed each on a high fire. Once the three pots began to boil, he placed potatoes in one pot, eggs in the second pot, and ground coffee beans in the third pot.

He then let them sit and boil, without saying a word to his daughter. The daughter, moaned and impatiently waited, wondering what he was doing.

After twenty minutes he turned off the burners. He took the potatoes out of the pot and placed them in a bowl. He pulled the eggs out and placed them in a bowl.

He then ladled the coffee out and placed it in a cup. Turning to her he asked. “Daughter, what do you see?”

“Potatoes, eggs, and coffee,” she hastily replied.

“Look closer,” he said, “and touch the potatoes.” She did and noted that they were soft. He then asked her to take an egg and break it. After pulling off the shell, she observed the hard-boiled egg. Finally, he asked her to sip the coffee. Its rich aroma brought a smile to her face.

“Father, what does this mean?” she asked.

He then explained that the potatoes, the eggs and coffee beans had each faced the same adversity– the boiling water.

However, each one reacted differently.

The potato went in strong, hard, and unrelenting, but in boiling water, it became soft and weak.

The egg was fragile, with the thin outer shell protecting its liquid interior until it was put in the boiling water. Then the inside of the egg became hard.

However, the ground coffee beans were unique. After they were exposed to the boiling water, they changed the water and created something new.

“Which are you,” he asked his daughter. “When adversity knocks on your door, how do you respond? Are you a potato, an egg, or a coffee bean? “

Moral:
In life, things happen around us, things happen to us, but the only thing that truly matters is what happens within us.

Which one are you?
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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

Our happiness lies in the happiness of other people

Once a group of 50 people was attending a seminar. Suddenly the speaker stopped and decided to do a group activity. He started giving each one a balloon. Each one was asked to write his/her name on it using a marker pen. Then all the balloons were collected and put in another room.

Now these delegates were let in that room and asked to find the balloon which had their name written, within 5 minutes. Everyone was frantically searching for their name, colliding with each other, pushing around others and there was utter chaos.

At the end of 5 minutes no one could find their own balloon.
Now each one was asked to randomly collect a balloon and give it to the person whose name was written on it. Within minutes everyone had their own balloon.

The speaker began— exactly this is happening in our lives. Everyone is frantically looking for happiness all around, not knowing where it is.

Our happiness lies in the happiness of other people. Give them their happiness; you will get your own happiness.

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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

Unity Is Strength

Once, an old man was very ill and lay dying in his bed. He had four sons who were al­ways fighting with each other. He always worried about them and wanted to teach them a lesson and asked his sons to come to him. When they came, the old man gave them a bundle of sticks and said, “Can you break these sticks?”

The first son tried to break the bundle but nothing hap­pened. He tried very hard and finally gave up. Then it was the turn of the second son to try his luck. He thought it would be an easy task and picked up the sticks easily. He tried his best to break the sticks but nothing happened. Then, the third son tried to break the bundle of sticks, but he couldn’t do anything either.

Meanwhile, the youngest son jeered at his brothers and thought they were very incom­petent. He thought he was very clever and took one stick at a time and easily broke all of them.

The old father then smiled at his sons and said, “Children, do you understand what hap­pened? It is always easy to break the sticks one by one. But when they are bundled to‑ gether, none of you could break them. In the same way. you four brothers should always be together. No one will be able to hurt you then.” The four brothers realised what their father was trying to teach them and forgot all their enmity and learnt that unity is strength.

From that day onwards, they never fought with each other and lived together in peace and harmony.

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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

Don’t judge people before you truly know them

A 24 year old boy seeing out from the train’s window shouted…
“Dad, look the trees are going behind!”
Dad smiled and a young couple sitting nearby, looked at the 24 year old’s childish behavior with pity,
suddenly he again exclaimed…
“Dad, look the clouds are running with us!”
The couple couldn’t resist and said to the old man…
“Why don’t you take your son to a good doctor?”
The old man smiled and said…
“I did and we are just coming from the hospital, my son was blind from birth, he just got his eyes today.

Every single person on the planet has a story. Don’t judge people before you truly know them. The truth might surprise you.
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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

25 Time Management Tips - Manage Your Time Wisely

Consider taking a look at these time management tips. One, or two, or three, may work for you:

1. Obvious tip one: Make a to-do list (electronic or paper). Put the most important item first and work down from there.

2. Obvious tip two: At the end of your day, review what you’ve done and make a new list for the next day. In order of importance.

3. Be ruthless about setting priorities. Make sure that what you think is important is really important.

4. Learn to differentiate between the important and the urgent. What’s important is not always urgent. What’s urgent is not always important.

5. Carry your to-do list with you at all times.

6. All things being equal, do the hardest, least fun thing first. Just get it over with!

7. If a task takes less than five minutes, do it right away. If it takes longer, put it on the list.

8. Schedule some uninterrupted time each day when you can concentrate on important tasks, even if you have to take refuge in a conference room or at the library.

9. For a couple of days, take an inventory of how you spend your time to find out where and how you’re wasting it.

10. Value your time. Eliminate the time wasters (e.g., if personal phone calls are taking up too much space in your workday, set reasonable limit).

11. Cut big jobs into small chunks. Order the chunks by importance. Work on one chunk at a time.

12. For big, complex tasks, schedule wiggle room (flexibility). Projects tend to take longer than you think/hope. Give yourself a buffer.

13. If part of your day involves routine repetitive tasks, keep records of how long they take and then try to do them faster.

14. Go one step further and set specific time limits for routine tasks. Work tends to fill whatever amount of time you happen to have.

15. Establish smart efficient systems for all your tasks, big and small, and stick to them.

16. When and where necessary, say no. Trying to do everything everyone asks you to do is a recipe for failure.

17. Learn to delegate, wherever and whenever you can.

18. Deal with E-mail at set times each day, if possible. Read them and deal with them. Deal with spam E-mail immediately so that they will not interrupt important E-mail.

19. Reward yourself for completing tasks on time. No fun stuff until the work stuff is done.

20. Organize and declutter your workspace so you don’t waste time looking for things. Create a conducive working environment.

21. Schedule demanding tasks for that part of your day when you’re at your peak.

22. Group related tasks (e.g., sort papers on your desk and then file them). It’s more efficient.

23. Use down time (e.g., waiting for meetings to begin) to, for example, update your to-do list or answer E-mails.

24. Don’t be afraid to get projects done early. It takes them off your mind, and it doesn’t mean you’ll just be given more to do.

25. Don't put off till tomorrow what you can do today!

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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com

11 Guides to Fasting & Ramadan

1. Five Things Everyone Should Know About Ramadan ►http://goo.gl/GphIUv
2. Ten Tips for Ramadan ► http://goo.gl/oavINj
3. Quran verses on Ramadan ► http://goo.gl/UjRRp4
4. 15 Hadiths on Ramadan ► http://goo.gl/lv6ePz
5. Collection of Hadith: Ramadan ► http://goo.gl/KX90HL
6. How to take full advantage and benefit from the last 10 days of Ramadan?► http://goo.gl/pU35ZZ
7. Definition of Lailatul Qadar ► http://goo.gl/0SOIwk
8. Dua (supplication) for Laylatul Qadr (The Night of Power) ►http://goo.gl/CZ6QjR
9. Ten T's of Ramadan ► http://goo.gl/2F91I8
10. Eid Al-Fitr Prayers Around The World ► http://goo.gl/H0k4T5
11. The virtue of 6 days of fast in Syawal ► http://goo.gl/B7VWnt
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Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 

Alfalah Consulting - Kuala Lumpur : www.alfalahconsulting.com

Islamic Investment Malaysia: www.islamic-invest-malaysia.com
Pelaburan Unit Amanah Islam: www.unit-amanah-islam.com