For businesses with activities involving both permissible and non-permissible activities, the SAC of SC processes level of varied contributions from permissible and non-permissible activities concerning turnover and profit before tax of a company. The SAC of SC uses standards based on Ijtihad (Shariah based reasoning). Where the contributions of non-permissible activities surpass the benchmark, the securities shall be confidential as Shariah non-compliant.

installments. In the case of the My Home program, the government offers incentive up to RM30,000 per unit. In 2014, an allocation of RM300 million for building 10,000 units of affordable homes around the country was provided. Together with the My Deposit program newly launched in April 2016, all these initiatives constitute the various incentives made available by the Government to increase ownership of residential property, the target being at least one house per household. Despite the several incentives from government and sales offers from developers, most households still deliberate when it comes to deciding whether to purchase or rent a house for their living. This issue led to a research gap to be investigated though this exploratory study by exploring the research.

a. From your point of view, has the intention of state government of Selangor to increase affordable housing to the poor, low and middle income households in urban and rural areas can be achieved?

b. Are there any linkage issues, when government launching My Home program which has the same intention like the state government of Selangor?