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  • New Alliance To Promote Responsible Drinking

    New Alliance To Promote Responsible Drinking

    A new alliance is being formed to promote responsible drinking and raise standards in the nightlife sector, marking the first industry-wide effort to do so.

    Helmed by operators and alcohol suppliers, it aims to train bar staff on how to spot and handle inebriated customers, for instance, and even how to react during a terror attack.

    The Singapore Nightlife Business Association (SNBA), which represents 445 operators, and the European Chamber of Commerce’s (EuroCham) wine, spirits and beer committee here – composed of nine alcohol brands that make up the lion’s share of the local market – are joining forces, they revealed to The Straits Times.

    A memorandum of understanding (MOU) is being finalised to form the Singapore Alliance for Responsible Drinking (Sard).

    Also on the cards is a public engagement effort on responsible consumption and possibly an accreditation scheme to promote minimum standards for operators.

    While both parties have previously worked together on ad hoc initiatives, they decided to pool their resources this time for a larger impact, said Mr Davide Besana, vice-chairman of EuroCham’s wine, spirits and beer committee. He is the Asia-Pacific corporate affairs manager for Edrington, which makes Scottish whiskies such as The Macallan and Highland Park.

    Edrington, together with other brands on the committee – Bacardi, Diageo, Moet Hennessy Diageo, Pernod Ricard, William Grant and Sons, Remy Cointreau, Carlsberg and Asia Pacific Breweries – make up an estimated 80 per cent of the alcohol market here.

    The alliance will also provide a collective voice for the industry in its regular engagement with the authorities, such as over the proposed amendments to the Public Entertainments and Meetings Act introduced in Parliament earlier this month.

    Among the proposals are a “lighter touch” and licences with longer validity periods for law-abiding licensees, but stiffer penalties for errant operators.

    SNBA president and nightlife veteran Dennis Foo said that the Ministry of Home Affairs has been more proactive in seeking industry input in recent years. “We are very supportive of (the Amendment Bill) – it recognises that proper operators should not be treated the same as bad ones,” he said.

    The MOU to form the alliance will be signed within the next few months, and discussions have already begun on possible initiatives, said EuroCham executive director Lina Baechtiger.

    Among these is the introduction of a voluntary accreditation scheme to raise standards in the industry by rewarding responsible operators, such as the Best Bar None scheme adopted in Britain.

    The alliance is also looking to expand a programme to train bar staff to identify, intervene and prevent potential alcohol-related problems among customers.

    Sard’s formation is timely as the definition and scope of nightlife has evolved, said Timbre Group’s managing director Edward Chia, who is vice-president of SNBA.

    The lines between bars, clubs and restaurants have blurred, while a decentralisation of nightlife entertainment is expected to take place over the next decade as neighbourhood establishments continue to sprout, Mr Chia added.

    Mr Foo, who is the chairman of CityBar Holdings, said: “There are a lot more restaurant-bars now, and a lot of young professionals joining the industry.”

    The increasing threat of terrorism and overseas attacks on public entertainment establishments also present fresh challenges.

    “We need to train our people to know what to do if something happens,” said Mr Chia, adding that the only way to do this is with an industry-wide move.

    Mr Eugene Fung, owner of The Mad Men Attic Bar near Boat Quay, said that leveraging on the overseas experience of alcohol brands would be useful for the adoption of best practices here.

    “Having a common voice will also help in our engagement with the authorities so we know better what we are doing wrong or right,” he said.

     

    Rilek1Corner

    Source: http://www.straitstimes.com

  • Singapore 2G Mobile Network Shuts Down Tomorrow

    Singapore 2G Mobile Network Shuts Down Tomorrow

    With a day to go before the 2G mobile network shuts down fully, construction worker M Rajesh, 29, is relieved that he had just migrated to 3G and had no loss of network.

    Mr Rajesh, who has been working here for eight years, had heard about the shutdown but had no time to buy a 3G-enabled handset. Cost was also an issue, he told TODAY, and he needed to build up his savings to buy a new phone.

    So on Saturday, he went to Little India and returned with an HTC smartphone for “around S$180”. Now he can take photos with his phone and make video calls back home to India.

    The Infocomm Media Development Authority (IMDA) said last month that the 2G network will be shut down from April 1 in stages, to be completed by tomorrow.

    A TODAY straw poll of 20 migrant workers near their dormitories found that everyone had switched to 3G, some as early as eight months ago.

    Price was a concern many of them shared; some of their smartphones cost as much as S$300. While some had bought 3G-enabled phones costing S$40, they said prices have risen following news of the 2G network closure.

    Mr Motiurrahmen, a worker with a piling company who goes by one name, said his S$40 Samsung phone used to cost “only around S$18”.

    The Migrant Workers’ Centre (MWC) said in a media statement that it had ramped up outreach efforts over the weekend to ensure workers do not “risk losing contact with their loved ones in the coming days”.

    MWC chairman Yeo Guat Kwang said: “Migrant workers seeking to migrate onto 3G network can do so at telco outlets in recreation centres or larger dormitories, as well as at the regular weekend telco roadshows in popular congregation spots. Our telco partners will continue to offer attractive migration packages.”

    He added that outreach efforts so far by the telcos and non-governmental organisations have had an effect.

    “Checks with our telco partners showed that 65 per cent of the 2G users have already migrated to the 3G network since the various outreach campaigns on 2G cessation started,” he said.

    Mr Yeo noted that a large proportion of the remaining 2G users, estimated to be between 60,000 and 80,000 last week, held a dual-SIM smartphone. This means they will have mobile network access even after the 2G network shuts down for good.

    The workers TODAY spoke to said largely that their transition to 3G was smooth. They have not encountered much issues, although Mr Kawsal, who goes by one name, said he had occasional problems accessing the Internet on his phone since the 2G network closure commenced.

    The MWC said it had received feedback from users of certain dual-SIM smartphones that some had difficulties accessing 3G.

    To this end, it has devised a graphic to provide clarification, and users experiencing technical issues can either troubleshoot their handsets themselves or approach their telco operator for assistance.

    Still, despite the slightly higher costs and these slight hiccups, migrant workers said they appreciate the added benefits, including catching up on television shows online from back home.

    Shipyard worker Khan Juwel said he was also able to catch up with friends from home via Facebook. “It’s very good. I like it,” he said with a smile.

     

    Rilek1Corner

    Source: http://www.todayonline.com

  • Encik Haji Othman Wok: A Legacy To Remember

    Encik Haji Othman Wok: A Legacy To Remember

    Mr Othman Wok, a former Cabinet minister and one of Singapore’s first generation of leaders, died on Monday (Apr 17) at the age of 92.

    A journalist, union leader, politician and ambassador, Mr Othman’s courage and convictions made a difference to Singapore at a critical time in its history, said the late founding Prime Minister Lee Kuan Yew.

    Born in 1924, Mr Othman was the son of a Malay school principal. Despite objections from his grandfather, his progressive father sent the young Othman to Radin Mas School and Raffles Institution – both English-medium schools.

    Mr Othman joined the Utusan Melayu, a Malay-language newspaper as a clerk, but was soon talent-spotted and offered a job as a cub reporter by its editor and managing director Mr Yusof Ishak, the man who was to become Singapore’s first President.

    Mr Othman Wok in his youth.

    While Mr Othman was working for Utusan Melayu, he became involved in union activities, and it was as Secretary of the Singapore Printing Employees Union that he first met Mr Lee Kuan Yew – the union’s legal advisor.

    Persuaded to enter politics, he joined the People’s Action Party (PAP) a few days after it was formed in 1954.

    Mr Othman won his first electoral battle in 1963, but was to learn that achieving racial harmony was easier said than done.

    Following Singapore’s merger with Malaysia, racial tensions between the Malay and Chinese communities, stoked by fiery speeches by extremist Malay leaders from Kuala Lumpur, came to a head during the 1964 procession to celebrate the Prophet Mohamed’s birthday.

    “UMNO had a meeting on Jul 19 at Pasir Panjang, (a) talk about racialism and all that by Jafar Albar. He made a very strong communal speech at that gathering which included UMNO members from across the Causeway that they ferried down to Singapore by buses and lorries,” recalled Mr Othman. “And these people, after that meeting on the 19th, didn’t go home … they were used to cause trouble.”

    Mr Othman, who led the contingent of Malay MPs and PAP supporters at the procession, recalled how trouble broke out: “When my contingent arrived at Kallang Bridge, there was this old Chinese man on a bicycle, on the left side. Some Malay youths came from the front, caught hold of him, beat him up with sticks and threw his bicycle into the drain. He was severely injured.”

    For the rest of Mr Othman’s life, the horrific images would return whenever he shared his experiences.

    “People were being beaten up, houses were being burnt, vehicles being burnt – all pictured in my mind at that time. I was involved in it, I saw it with my own eyes,” he said. “It is just like a film being played again and again to me. I was very sad. This is racial riot between the communities, the Chinese and the Malays. And before that they were very friendly.”

    In the aftermath of the riots, it was clear that concerted and strenuous efforts were needed to rebuild relationships between the races, as racial polarisation was evident, even at relief centres.

    “The Chinese didn’t go to where the Malays went – the police station; they went to other police stations, so became segregated again,” said Mr Othman. “And my ministry had to prepare food for these refugees. Every day we cooked, in our central kitchen, and I went around in our lorries together with my staff, and we found that for example, I went to Paya Lebar Police Station, they were all Malays there, no Chinese. Then I went to another police station, Serangoon at that time, they were all Chinese there, no Malays.

    “So we decided after the riots that this should not go on – polarisation between the two communities. We had to let them live together. So at that time, we (were) building flats so we moved them, mixed (them) together. It was not an easy thing to do but eventually they began to learn how to live as good neighbours.”

    At the height of the 1964 tensions, Mr Othman himself became the principal target of verbal abuse among some segments of the Malay-Muslim community.

    The late Mr Lee Kuan Yew said of Mr Othman: “I remember your staunch loyalty during those troubled days when you were in Malaysia and the tensions were most severe, immediately before and following the bloody riots in July 1964.

    “At that time, the greatest pressures were mounted by UMNO Malay extremists who denounced you and Malay PAP leaders – especially you – as infidels, “kafirs” and traitors, “khianat”, not to Singapore but to the Malay race.

    “I heard it, the crowds said it, bunches of them. They were designed to intimidate him and the other Malay leaders in PAP.

    “Because of the courage and the leadership you showed, not one PAP Malay leader wavered and that made a difference to Singapore.”

    On the incident, Mr Othman simply said: “I was surprised, because not only I, but my Malay colleagues in the PAP stood together and faced the onslaught together with the Prime Minister, because we were fighting for what we believed in.

    “So that accolade to me, I thought, was also for my colleagues because they faced the same danger, they faced the same accusation and criticism from the Malay community at that time.”

    Mr Othman’s loyalty to Singapore was tested again in 1965, when they were faced with the critical decision to support or oppose separation from Malaysia.

    “PM called me. He said: ‘Othman, come with me to the next room.’ And he said to me: ‘Would you sign this separation agreement?’ I said I would. I told him: ‘PM, the only worry I have is the Chinese in Singapore – what I meant was the communists in Singapore.’ ‘Oh,’ he said. ‘It’s my problem, I will handle it. You have nothing to worry.’ That was what he said to me.

    “But my feeling when it was announced was, internally, you know, relief. After those two years of bickering, the pressure on me, my colleagues, the Malays in the PAP, on the government, I say it was a relief. No more pressure against us.”

    And the next year, when an independent Singapore held its first National Day Parade, Mr Othman made sure he was there – a proud member of the People’s Defence Force.

    Mr Othman was to serve for 17 years, 14 of them as Minister for Social Affairs.

    Promoting racial harmony was a key responsibility, as was the promotion of sports among the masses and encouraging athletes to represent Singapore.

    Said SS Dhillon, former secretary-general of the Singapore Olympic Council: “Mr Othman Wok – I always to refer to him as Mr Cool. He has a very cool personality, he is very approachable, very kind, very loving and he used to go around sportsmen and coax them to participate. Train harder and he encouraged them in that way.”

    It was also Mr Othman who got the National Stadium built.

    “When you think back to those times, those were very economically hard times, and yet he could push this through Parliament and get it passed,” said former Olympian sprinter C Kunalan. “So I think more importantly it was not how he fired us up but how he fired up the Cabinet to get the approval for all the plans that he had.”

    As Minister overseeing the Malay-Muslim community, Mr Othman’s legacy includes the setting up of the Mosque Building Fund as well as the Islamic Religious Council or MUIS, which sees to the welfare of Muslims in Singapore.

    “Through this fund, we managed to build a first mosque at Toa Payoh,” said Mr Othman. “A modern, better, multi-purpose mosque, not like the old ones, only for prayer; (there were) other activities. And people came to support and it was not difficult to get people to contribute. We had the contribution by deducting their salaries, voluntarily if they wanted to, through the CPF. It started with S$0.50. They could write in to say: ‘I don’t want to contribute’, but the majority, all I think the Muslims who worked with the Government then, contributed and they were able to build one mosque after another.”

    After retiring from active politics in 1980, Mr Othman served as Singapore’s ambassador to Indonesia and also on the Singapore Tourism Board and Sentosa Development Corporation.

    The born storyteller also published his collections of horror stories as well as his autobiography, Never In My Wildest Dreams.

    But for the man who lived through the race riots of the 1960s, unity among Singaporeans was an enduring mission, and Mr Othman continued to serve well into his 80s, giving talks on National Education to civil servants.

    “Even with this terrorism problem, some of these young people do not take it seriously because it has not happened in Singapore,” said Mr Othman. “The test will come when a bomb explodes in Singapore, people are killed … What happens, do we tighten our bonding, become a united front of faith or we disintegrate? This is the test that we have to face if the real thing happens. I hope not. Because today when there are disasters in other countries, Singapore came together to help. I am sure were this to happen in Singapore, we will get together, to face it and solve it. I have that confidence.”

    He added: “Always be loyal to your country. You’re a Singaporean, you will always be a Singaporean.”

    Mr Othman leaves his wife and four daughters.

     

    Rilek1Corner

    Source: http://www.channelnewsasia.com

  • PhD Candidate Nida Khan: Coding The Future Of Islamic Finance

    PhD Candidate Nida Khan: Coding The Future Of Islamic Finance

    [Credit: Salaam Gateway ]

    Early this month we reported a new fintech project had kicked off to build an open marketplace for Islamic and ethical finance, and built on the blockchain protocol. One of the first outputs from the programme is due this year and will involve tracking charity and zakat donations. The platform is being built by University of Luxembourg PhD candidate Nida Khan, who is an Islamic finance expert and developer of two Islamic finance apps.

    Salaam Gateway speaks to Khan about three key issues:

    1) The fintech scope and potential for Islamic finance to “break” traditional banking, capital market, takaful and social finance

    2) Education and the Islamic Economy, and

    3) Muslim women in fintech

    Q: What do you hope to happen with the platform you’re developing?

    Nida Khan: The most important output would be the implementation of Shariah in a transparent manner to increase the access of Islamic financial services to more consumers and untapped markets in a cost-effective manner.

    Secondly, I envisage a greater revenue generation for the firms involved in this research project on account of incorporation of data analytics to aid them in their business actions and decisions.

    An open marketplace is in the pipeline, where the research project is open to be joined by other Islamic financial institutions (IFIs) interested in similar deliverables. As such the platform has a very big possibility of being owned by a group of IFIs that collaborate with the existing partners and would be for all those consumers, who are interested in investing in profit sharing investment accounts.

    Besides, the platform also aims to optimize the zakat collection and distribution process and the transparency provided by blockchain would prove to be invaluable to the Muslim consumers to track the money from its inception till the end. The platform on account of its being technologically in sync with times and catering to the inherent needs of the consumers would lead to a global acceptance by millennials.

    Q: How big is the gulf between Islamic banking and finance and Islamic fintech or fintech that serves Islamic banking and finance? Which sector has the steeper learning curve?

    Nida Khan: The gap is huge and more than for the conventional sector. Islamic banking and finance is a nascent industry and till now is trying to gain a strong foothold in the market competing with the already established conventional finance. The challenge of incorporating fintech amidst this is more than that faced by the conventional industry. Fintech or financial technology needs a thorough understanding of both finance and technology and thus definitely has a steeper learning curve.

    Q: Do you think fintech can break Islamic banking and finance to achieve the maqasid, or goals of Shariah?

    Nida Khan: Fintech can definitely support Islamic banking and finance to achieve the goals of Shariah by bringing in transparency to the business transactions and facilitating justice by vesting the power in the hands of the consumers in the market.

    I would not say that we can do away completely with Islamic banks in the coming years. At least that’s not how I see it. I see Islamic banks as the foundation on which fintech would rest to deliver products and services to the market building upon and enhancing the already established trust in the market. I see a collaboration between Islamic banks, start-ups and MSMEs to harness the full potential of new technologies.

    Q: Do you see it in the same way for other sectors as well?

    Nida Khan: Definitely, yes. Consider the case of capital markets for example. Securities that are based on payments and rights, which are executed according to pre-defined rules can be coded as a smart contract in capital markets.

    Q: How about takaful? Is takaful the next big thing in Islamic fintech?

    Nida Khan: Takaful is a very good sector for incorporation of smart contracts as it involves peer-to-peer insurance with policyholders supporting each other in times of crisis managed by a takaful operator. The same can be accomplished by having a smart contract manage a pool of policyholders in a distributed blockchain comprising of ‘permissioned’ ledgers, which also foretell greater adherence to regulations.

    Automated underwriting and claims processing through smart contracts will speed up the whole process. Fraudulent claims can be detected more easily and power would go in the hands of the policyholders as opposed to the takaful operator.

    Takaful could be the next big thing in Islamic fintech if both smart contracts replicated and executed on a blockchain, and Internet of Things (IoT) are used together with data from IoT devices serving as a subset of the input data for the execution of the computer coded smart contract.

    Q: Is there any fintech scope for Islamic social finance?

    Nida Khan: There is definitely scope for Islamic social finance. As I said before, smart contracts are executed based on certain conditions and these conditions can be anything coded by the programmer. Islamic finance has the Shariah law as its base so the applications can be in nearly all sectors with customized codes and support of other emerging technologies.

    Waqf is also a very good model for using the output of my current research as a template for further modification and customization as per need. Waqf ahli, for example, can easily be coded in a smart contract by the founder at the time of creation of the waqf with due consideration to inheritance law if needed. The founder of any waqf, in general can get a smart contract programmed such that it leaves no scope of giving anybody access to modify the computer code later on.

    This smart contract would become irrevocable once deployed on the distributed ledger preventing fraud, tampering or distribution of benefits from the waqf fund to beneficiaries other than the designated in the smart contract.

    The smart contract can be coded to be effective after a certain event or time or date as the case may be. The benefits can be traced leaving no scope for any ambiguity as to their distribution.

    EDUCATION AND THE ISLAMIC ECONOMY

    Q: What are your qualifications and how did they lead you to this PhD programme to develop a fintech platform for ethical and Islamic finance?

    Nida Khan: I have a Master Diploma in Islamic Finance from AIMS, UK and a Master’s degree in Information and Computer Sciences from the University of Luxembourg. I also have a Bachelors in Computer Science and Engineering (Honors) from Uttar Pradesh Technical University, India.

    While doing an online course from Harvard University through edX I developed the world’s first Islamic finance education iOS app as a final project for the course on computer science. Last year I developed the first-of-its-kind Islamic finance android app.

    I am a certified Islamic Finance Expert, a certified takaful professional and hold a certificate in Islamic finance from AUSCIF, Australia. I am also in my fifth year of a long-term study programme from ‘Prophetic Guidance’, UK.

    Q: As the holder of many academic and professional qualifications, how have all of your achievements also been grounded in “Islamic sciences” as opposed to the secular?

    Nida Khan: My focus has always been on Quran and Sunnah as far as Islam is concerned. My foray into Islamic finance was because of the push given by my husband who saw my existing Islamic knowledge as a base for my input to the Islamic economy and then I started the Master Diploma course in Islamic finance.

    Q: How do you reconcile “religious Islam” and the prevalent secular, modern higher education system to drive the Islamic Economy?

    Nida Khan: This is a very pertinent question and something many are struggling with in the present times. Islam is a very progressive religion. Islam does not stop one from assimilating knowledge and advancing technologically.

    The prohibitions that exist in Islam are for the betterment of the individual himself and steer the person towards a healthy, balanced and a stress free life. The majority of the people do not read the authentic religious scriptures from which knowledge should be derived and rely on the speakers of Islam believing blindly their interpretation of the religion. The need for an inquiry into the background of what is said is not present and hence the resulting disputes so prevalent nowadays in our community.

    MUSLIM WOMEN IN FINTECH

    Q: There has been a buzz in the Islamic fintech space in the last couple of years, led by a handful of people in different countries, e.g. Umar Munshi and Ethis, Raafi Hossain and Finocracy, Chris Blauvelt and LaunchGood. They have even set up the Islamic Fintech Alliance. Is it a problem that there’s a dearth of women in Islamic fintech?

    Nida Khan: It is definitely a problem because when we leave out women from a certain economic activity we are deprived of the expertise and inputs from one of the biggest emerging markets. Women are not just contributors to the global economy through their business initiatives but they also form the pillars of the family on which the future generation thrives.

    If there is more inclusion of women in diverse sectors then apart from the women think tanks, one would see more future innovators and leaders in that sector through the education imparted by those women to their children. Having a woman contributing to the economy implies you are training an entire generation to be raised through her, which in terms of investment has far-reaching economic benefits.

    Q: What have held back Muslim women in fintech and what can be done to lower or even break down these barriers?

    Nida Khan: The problem is not specific to Muslim women. We have a glaring lack of women in general in STEM (Science, Technology, Engineering and Math) with figures of women PhDs in Mathematics and Computer Science being 28% and 24%, respectively.

    This global problem coupled with the fact that Muslim women suffer from a lack of proportional representation in businesses, employment and research is the major reason for the dearth you see in fintech. The primary facet that needs focus is a change in the mindset of both the genders towards the roles traditionally assigned to them.

     

    Rilek1Corner

    Source: https://www.salaamgateway.com

  • Retired Parking Attendant Becomes A Graduate At The Age Of 67

    Retired Parking Attendant Becomes A Graduate At The Age Of 67

    Fond of reading, retired parking attendant Rokiah Omar always wished she had attended a madrasah – an Islamic religious school – when she was a child.

    Yesterday, the 67-year-old fulfilled her childhood dream by graduating with a bachelor’s degree in Islamic studies. She was the oldest among the Jamiyah Education Centre’s (JEC) 33 graduands.

    “I didn’t want age to be an obstacle to my learning,” said Madam Rokiah, who did not graduate with O levels, and got her first diploma in the Arabic language only in her 40s.

    With the support of her husband, three daughters, and two grandchildren, she obtained her degree after 11/2 years of part-time study.

    Her thesis examined the role of Muslim women in Singapore, and she looked to Speaker of Parliament Halimah Yacob and family physician Elly Sabrina as examples.

    “I hope to be a role model for others my age, to not give up and to pursue lifelong learning,” she said.

    For Madam Rokiah, the learning continues – she is currently pursuing a certificate in Islamic psychology, which she believes will help her understand her religious texts better. Next year, she will embark on a master’s in Islamic studies.

    At the ceremony yesterday, Senior Minister of State for Defence and Foreign Affairs Maliki Osman said lifelong learning is one of the tenets of Islam, as there are many things that are constantly changing and which require new ways of thinking.

    He encouraged the graduates to take advantage of their SkillsFuture credit to improve their skills and “guarantee a brighter future”.

    He also urged them to make use of their knowledge to help others understand Islam better, whether in Singapore or abroad.

    “Give guidance to members of the public, especially those who are on the Internet with information that is less accurate, but can become viral quickly,” he said.

     

    Rilek1Corner

    Source: http://www.straitstimes.com

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