Friday, 27 April 2012



Entry terakhir sebelum anta assignment ni..
mula-mula skali nk ucapkan tq kt lecturerku, En Tarmizi sebab bg assignment cmni..
tak pernah buat blog lagi seumur idup ni..
dgn adanya kerja sebegini maka makin bertambahlah pengetahuan dalam diriku ini..
skema je ayatnye

pape pun...terima kasih sir..:)

ok sekarang masuk ke topik sebenar kita..


pemilik rasmi blog ini...!! hmm ade ke yg x rasmi??..

no matrik : 205351
jurusan : PERBANKAN
berasal dari : PERAK.....saya anak felda


ha sekarang semester 4..
diriku anak kedua dari 3 adik bradik..


hm dh la...

nk kenal lebih2 emel me k..

ok sekian..terima kasih..

Thursday, 26 April 2012

Why Why Why??!!!!!!!

assalamualaikum you....

Why half the world doesn't have bank accounts??
Now, as a banking student I want to share some info with all of u why this happen...
In the U.S., bank accounts are nearly ubiquitous, with almost 90 percent of adults having formal accounts. But in poor countries, only a quarter of people report having have accounts. All told, more than 2.5 billion adults around the world—about half—are unbanked, according to a new World Bank data project funded by the Bill & Melinda Gates Foundation and based on Gallup polling in 148 countries. The World Bank launched the Global Financial Inclusion initiative, which it calls Global Findex for short, with both a database and a white paper on the new stats.
A leading reason for the disparity between rich and poor countries is both dispiritedly intractable and painfully obvious: poverty itself. Two-thirds of people without accounts said they simply don’t have enough money to use a bank. The data, though, show some less daunting problems to tackle. People said financial institutions are too far away and too expensive to use. In some regions, including Latin America, people said the institutions required too much documentation. The white paper says fully 35 percent of the unbanked report barriers that are solvable through public policy.
They pointed to success of models that break down distance and costs, as in Sub-Saharan Africa, where 16 percent of adults said they had used a mobile phone to pay bills or send or receive money in the past year. (The World Bank project doesn’t consider mobile money to be a formal bank account; they reserve that definition for accounts at a bank, credit union, cooperative, post office, or microfinance institution.) In Kenya, two-thirds of adults said they received payments on their phone, likely because of the inroads the telecom company Safaricom has made with its M-PESA offering, which transform mobile phones into virtual wallets.

ok...thats all for today..heeee

Friday, 20 April 2012

"Hints for Life" ..:)

Assalamualaikum sume..:)

  • a sad thing in life is when you meet someone who means a lot to you, only to find out in the end that is was never meant to be and you just have to let go.

  • The best kind of friend is the kind you can sit on aporch swing with, never say a word, and then walk away feeling like it was the best conversation you've ever had.

  • It's true that we don't know what we've got until we lose it, but it's also true that we don't know what we've been missing until it arrives.

  • Don't go for looks, they can deceive. Don't go for wealth,even that fades away. Go for someone who makes you smile because it takes only a smile to make a dark day seem bright.

  • A careless word may kind may heal and bless. e strife. A cruel word may wreck a life. A timely word may level stress. But a loving word may heal and bless.

  • Love begins with a smile, grows with a kiss, ends with a tear. When you were born, you were crying and everyone around you was smiling. Live your life so that when you die, you're the one smiling and everyone around you is crying.


Sunday, 15 April 2012

Unique iron tower in Taiwan..:)

salam guys....

Will adorn the city airspace Taichung in Taiwan, this magnificent steel structure is likely to be among the most interesting building in the world.

Taiwan towers as high as 305 meters will be produced using the thousands of bars of iron and form a triangular structure. It will house a roof garden, the highest in the worldfor the benefit of visitors.

With the same height as the Eiffel Tower in France, this building is the brainchild ofJapanese architect, Sou Fujimoto, who won an international competition for their building.

Expected to be completed in 2017, the building at a cost of billions of dollars to hitTaiwan 6:59 (RM688 million) that will use renewable energy such as rain water andsolar energy needs.

Just want to share something with u...daaaaaaaaaaaaa

Friday, 6 April 2012

Back home..:)

hai guys!! assalamualaikum..:)


not about gym class heroes's song k..but about me..heheeee
i'm just arrived at home last nite.
from UUM at 2.45 pm and reached home at 10.30 pm..
looooooonnnnnnngggggg journey........ahahaha
tired gone when can meet my beloved family at home.
all my sibling also back home yesterday.
we gather together..miss that moment so much!!

ok..enough 4 this time..daaaaaaaaaaaaa

Monday, 2 April 2012

Wonderful Life..:)

hi guys...

today I want to share a song that stick in my head when hear it for the 1st time..enjoy..!
ha if you want to know how the song was, u can find it by yourself..ngeee:)

wonderful life by Estelle

What makes my day slow down
Watching the rain and now I'm not on time
I'm 'bout to lay down and cry
Boss on the other line
Had a fight with my man, cause he
Swears I'm lying to him constantly
Causing drama like you won't believe
Just one day, I wanna wake up and say

Hey! I'm winning today
My smile is OK at the end of the line
And I'm fine, no thorns in my side
Somebody remind me, it's a wonderful life
La da da la da
It's a wonderful life
Sing la da da la da
It's a wonderful life

It's not that I never cared
But my position here is just alright
And then they tell me I lost my job
But I won't give up
This just hasn't been my day at all
But I'm about to get this manicure
As my back is up against the wall
I pray one day that I can wake up and say

Hey! I'm winning today
My smile is OK at the end of the line
And I'm fine, no thorns in my side
Somebody remind me, it's a wonderful life
La da da la da
It's a wonderful life
Sing la da da la da
It's a wonderful life

And if you feel how I feel
You know what to do
Sing it with me, come on
La da da la da la da
Singing la da da la da la da
Singing la da da la da la da

Just one day

Hey! I'm winning today
My smile is OK at the end of the line
And I'm fine, no thorns in my side
Somebody remind me, it's a wonderful life
La da da la da
It's a wonderful life
Sing la da da la da
It's a wonderful life
Sing la da da la da
It's a wonderful life
Sing la da da la da
It's a wonderful life

Saturday, 24 March 2012

Sukuum 2012..:)

Assalamualaikum guys..

Last night UUM had an event at sports center..
we officiate the opening ceremony for SUKUUM.
my friends and I joined cheerleaders to give support for our residential hall..
the most sweet memories were our DPP won many categories that held on that day..for instance overall winner, best costum and also best mascot, and so on..

here I want to share some memories with all of u..enjoy :)

b4 went to sports center..

our cute mascot..

cheerleaders for MAS.. 

MAS's supporters..

we are the champion!! yeeahh...

Sunday, 18 March 2012



On 13 March 2012 my group assignment and i went to Kuala Perlis..
Nice place to go..we went at 1 pm and back to beloved UUM at 7 pm..
We went there to do the survey on consumers about banking products
healthcare, telecommunications and other products in Malaysia. Doing that 
assignment teach us on how to face public..we cannot shy when doing this task. 
After finished this task,we went to KFC and stroll at sea nearby. great for evening view.. 
we take some pictures as a prove that we had went there although it was not important to all of u..haha

waiting for our grilled corn..

diving while drinking water...ehehe like it!!!

Friday, 9 March 2012

Family Day..:)

Salam u u and u...hee

9 March 2012 was a FAMILY DAY at my residential hall which was MAS..
MAS Student Residential it!!
4 sem stayed at this same place..with the best friends.
we joined a game named "musang berjanggut"
very challenging game!! haha
the team of musang berjanggut's game


 i'm felt very happy because all of the students were gathered together and played together.
everyone enjoyed  with all the games that held on that day..
doing activity like that was very good to strengthen the relationship among students..
hope can joined again in the next semester..:)

having the breakfast..

Monday, 5 March 2012

Love it..:)

A busy week ..time to focus on the assignments. A lot of works to do and completed before end of this month.. sometimes feel excited to go get all this and sometimes feel very lazy to finish all this assignments. Life as a student is always like this. Feel happy to be an opportunity to go through all this..:)

Friday, 2 March 2012

Quotes on Past, Present and Future..:)

  • “Don’t let the past steal your present” – Cherralea Morgen
  • “It doesn’t matter where you are, you are nowhere compared to where you can go.” - Bob Proctor
  • “We are all here for some special reason. Stop being a prisoner of your past. Become the architect of your future.” – Robin Sharma
  • “Yesterday is history, tomorrow is a mystery. And today? Today is a gift. That’s why we call it the present.” – B. Olatunji
  • “Nobody gets to live life backward. Look ahead, that is where your future lies.” - Ann Landers
  • “Be present – it is the only moment that matters.” Peaceful Warrior
  • The more you take responsibility for your past and present, the more you are able to create the future you seek.
  • “Nobody gets to live life backward. Look ahead, that is where your future lies.” - Ann Landers
  • “Holding on to anything is like holding on to your breath. You will suffocate. The only way to get anything in the physical universe is by letting go of it. Let go & it will be yours forever.” – Deepak Chopra
  • “Don’t put off living to next week, next month, next year or next decade. The only time you’re ever living is in this moment.” – Celestine Chua
  • “There’s no next time. It’s now or never.” - Celestine Chua 
  • “Never let your memories be greater than your dreams.” – Doug Ivester 
  • “Your imagination is your preview of life’s coming attractions.” - Albert Einstein
  • “To create more positive results in your life, replace ‘if only’ with ‘next time’.”
  • “We think about all of our tomorrows, but we don’t know how many they are, so let’s start making the most of our Todays!” - Ivana Trump
  • “The wise man must remember that while he is a descendant of the past, he is a parent of the future.” ~ Herbert Spencer
  • “What you are is what you have been. What you’ll be is what you do now.” – Buddha

Friday, 24 February 2012

1st activity for sem 4..:)

Assalamualaikum guys..

Today my friends & I went to a seminar at Convention Center which are organised by Finance and Banking Society(FABS),  School of Economic, Finance and Banking and Risk Management(SEFB) of UUM.

 It is a professional talk about Career as a banker presented by Mr. Tan Leong Theng from Ambank & Financial Management presented by Ms. Noorhaliza from AKPK.

The main objective of this program is to give exposure about finance and banking industry practises and management of risks facing by the industry today.

Many new things that I got from the seminar. The speakers explain about many things that available in a bank n some of the thing that they said I had learned it in the class.

Lastly, I enjoyed the seminar so much..

p/s: to be a banker u must be busybody..:)

Thursday, 23 February 2012

Nak Kongsi Sikit.

Salam u all..
Hari ni cadangnya nak adakan "hari mengabiskan voucher" x kesampaian plak hajat tu.
Pergi pesta buku kt library td ada la beli buku sikit. 6 buah sumenye..antara buku yang saya beli, buku ni la..:)

banyak tip ada dalam buku ni n antara yang menarik perhatian sy, pnulis buku ni cite pasal tip memahami keluarga mentua..huhu
Kita share sama2 ye..

  •   Menganggap keluarga pasangan seperti keluarga sendiri
  •   Menerima pandangan mentua dan ipar duai
  •   Menghormati antara satu sama lain
  •   Mudah setuju
  •   Ringan tulang
  •   Belajar sesuatu daripada mentua
  •   Menjaga hati
  •   Membuat sesuatu yang menyenangkan hati
  •   Bertolak ansur
  •   Memaafkan
Ha 2 je yg dia bagi. semoga tip ni dapat dijadikan panduan untuk kehidupan sy dan korang pada masa akan datang.
Selamat beramal semua..:)

Tuesday, 21 February 2012

Shopping Time..!!

Assalamualaikum sume..:)
Rini sy ngan kekawan g ngabihkan duit!! best oo..haha
G C Mart je pn..tmpat yg femes kt Changlun 2. Beli macam2..
Ni la aktiviti wajib kitorang bila naik semester baru.
Kejap je rse dh naik sem 4..tup tup nanti dh abis blaja.pas2 nt leh la kawen..lalala
Untuk semester 4 ni, mengharapkan sesuatu yang lebih baik. Semoga semua urusan berjalan dengan lancar aminnn.

Monday, 20 February 2012

Xde Keje..

Sheira  : satu hari aku pergi memburu.
Cik Wa : memburu.
Sheira : aku masuk ke dlm hutan.
Cik Wa : hutan.
Sheira : tiba2 aku rasa nak terberak.
Cik Wa : berak.
Sheira : aku berlari ke semak.
Cik Wa : semak.
 Sheira : aku pn berak.
Cik Wa : berak.
Sheira : satu hari yg lain aku pergi memburu lagi.
Cik Wa : lagi.
Sheira : aku pergi ke tempat yang aku berak dulu.
Cik Wa : dulu.
Sheira : aku lihat tahi aku sudh x ada.
Cik Wa : ada.
Sheira : aku pun tertanya2.
Cik Wa : tanya.
Sheira: siapa makan tahi aku?
 Cik Wa: aku.... 


Sunday, 19 February 2012

Percubaan Pertama..)

ehem..ehem..assalamualaikum sume.  
1st time usha2 cre nk wt blog..kerana kehendaknye...:)
 dgn bantuan kawan2 sy pn leh la wt ckit2..
become addicted to it!!! haha
ok la..hope blh wt blog wt menarik..
hope to see you again..