Sharia investment is a form of investment that is very popular, especially for individuals who want to develop wealth in accordance with Islamic sharia principles, not only for Muslims but for all religious ethnic races
before reading more about Sharia investment, we first discuss the important istila terms that are often used in Sharia investment
Myasir (gambling) is a form of guessing prediction because it is full of uncertainty, it is definitely prohibited not only in islam but almost in all religions
Riba (interest) a practice that is prohibited in islam because it harms one party one party
Gharar (obscurity) a transaction with three transparent information that benefits the seller and harms the buyer
The difference between Sharia and conventional investment lies in the profits obtained by JKA in Sharia, the term profit sharing is known, while in conventional we know denag istialh interest, profit sharing and interest have significant differences, if the profit is obtained from profits divided by 2 with the percentage as agreed, if the manager experiences losses, the losses will be divided into both parties. unlike the interest system the interest system is set at awel for example at 6% , when the company experiences a profit or loss the investor will earn interest of 6%
Sharia Investment Principles
Profit sharing adjl profit from the company dibahi based on the amount of the agreed percentage, for example for 100 jura then 100 million dibgi based on the percentage, if the profit is only 10 million then 10 million will be divided based on the agreed percentage
transparent transactions all pigak must know the value of capital goods processing to profits obtained
Avoid activities that are not in accordance with Islamic Sharia such as interest on conventional banks, hard drinking, gambling, and prostitution
types of Sharia investments
Islamic bonds debt securities that provide revenue sharing for the parties involved
Sharia shares are shares of companies that meet sharia criteria that do not move at a rate that is prohibited in Sharia
Sharia mutual funds kumpuna funds from many investors are managed in accordance with Sharia principles
Sharia property a form of residential property and shops engaged in the field in accordance with Islamic Sharia values
with the increasing public awareness about Islamic finance, syariah investment in predisksikan will continue to grow in addition to investment with Sharia principles offer solutions for the equitable distribution of public welfare, lifting the degree of the poor, this investment is suitable for everyone, including those who are cross-cultural religion and race. choose a financial institution that has been certified by the OJK and has been reviewed by the Indonesian Ulema Council standards.
In addition to the above advantages of Sharia investment also has risks including potential profits that may be more kcil than conventional investment, the existence of Sharia products that are still few, Sharia investment is not about financial benefits alone but also the benefit of the people not only enriching people who are rich, but also to ensure investment in line with the values