DDHK.ORG - Indonesian migrant workers who work abroad on average earn four to six times higher than when they worked in Indonesia. So that their chances of investing are much greater. However, consideration of the halalness of investment products is still a problem for some Muslim PMIs.
In response to this, Personal Growth and Financial Microblogger Setiawan Chogah said, Islamic investment products are one solution to these concerns. According to him, investment activities are halal and there are recommendations in the Alquran and hadith. In addition, there are many stories that suggest developing and managing finances, so that investment is a lawful thing.
Sharia investment is an investment that is carried out with guidelines on Islamic values and does not violate the teachings of Islam. Some of the benefits of sharia investment are that it does not practice usury, the risk tends to be small because it prioritizes the principle of kinship, and the benefits are not only felt by customers, but also for others.
So, what are the best types of Islamic investments to choose from? Come on, see some recommendations from Setiawan Chogah below!
Sharia Deposit Investment
One of the best types of sharia investment that is often used or chosen by the Indonesian people or PMIs working abroad is sharia deposits. This is a time saving product provided by many banks in Indonesia and the mechanism is almost the same as conventional deposits and is also protected by bank accounts Deposit Insurance Agency (LPS).
The system, Sahabat saves funds, then the bank manages it, until a time limit that has been discussed together by the bank and the customer. Then you will also get a profit every month from the percentage that has been discussed previously.
If conventional deposits apply an interest system, sharia deposits apply a profit-sharing system from investments to halal business products.
Sharia Gold Investment
The best sharia investment that is no less profitable is gold. For beginners, this product can also be an option. Usually this type of investment can go up every year, can be cashed out easily, the capital required is not too large, and is done in an easy way, namely at Pegadaian, Islamic banks, official gold shops, it can even be done digitally. One of the conditions imposed is not to use a ponzi scheme and the gold invested is real.
Property Investment
Properties such as apartments, houses, or condominiums are also among the best sharia investment options. Some of the benefits include low risk, an ever-increasing selling price, and if the property is rented or leased the owner can earn a steady income.
Sharia Bond Investment
Another best Islamic investment option for PMI is Islamic bonds or what are known as sukuk. Sharia bonds are debt securities products issued with sharia principles. Usually companies use Islamic bonds to seek capital.
In the mechanism of Islamic bonds, lenders or investors will not receive interest but receive returns from the benefits of using the Islamic bond funds.
Sharia Mutual Fund Investment
Friends can also choose sharia mutual fund investments. system from mutual funds Sharia, namely the investment manager will collect funds from investors and will manage money in several instruments such as bonds, money market products, or stocks that run sharia principles.
Investment managers will not place investors in the shares of companies that violate Islamic law, such as companies buying and selling cigarettes, liquor, and conventional banking (usury). Usually investment managers also only manage mutual funds that are usually listed on the Sharia Securities List (DES).
Sharia P2P Lending Investment
Lastly, the best sharia investment is Peer to Peer Lending which is currently on the rise. The concept of P2P Lending is funding that can connect lenders to those seeking loans.
In practice, P2P landing is currently available in the sharia type where the funding used is aimed at activities that do not violate sharia values, for example providing capital for businesses.
How, there are quite a lot of non-Islamic investment options that you can consider? Friends just choose based on your needs, goals, and abilities. [DDHK News]
