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Sharia Investment: Riba Free Financial Solutions
Published on 21 Mar 2023
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Sharia Investment: Riba Free Financial Solutions
Shariah investment is becoming increasingly popular in Indonesia as it offers an alternative investment option that is better than conventional investments. Shariah investment is based on Islamic Shariah principles and is free from riba, which can help individuals achieve their financial goals in a way that is more in line with their beliefs.
Here are the types of Shariah investments and their benefits to help you achieve your financial goals:
Shariah Mutual Funds
Shariah mutual funds are collective investments managed by Shariah investment managers. The purpose of these funds is to obtain halal profits by investing in instruments that comply with Islamic Shariah principles. The benefits include investment portfolio diversification, high liquidity, and professional investment management.
Shariah Bonds
Shariah bonds are debt securities issued by governments or companies that follow Islamic Shariah principles. In these bonds, investors lend their money to issuers and receive returns in the form of profit instead of interest. The benefits include stable fixed income and investment security.
Gold
Gold is a universal precious metals that have been used as investment instruments since ancient times. This metal is one of the types of Shariah investments because they do not contain riba and are permitted by Islamic law. The benefits include stable investment value and high liquidity.
Shariah Property
Shariah property is an investment in property that is regulated based on Islamic Shariah principles. Shariah property is not allowed to be used for businesses related to alcohol, drugs, gambling, or industries that do not comply with Islamic Shariah principles. The benefits include stable investment value and ongoing passive income.
Investment in Shariah Companies
Investment in Shariah companies is an investment in companies that follow Islamic Shariah principles. These companies cannot be involved in businesses that violate Shariah law, such as gambling, alcohol, and non-halal products. The benefits include potential return on investment and sustainable long-term value.
Sharia Peer-to-Peer
Sharia Peer-to-Peer (P2P) is a productive financing platform that connects fund owners and business owners in a Sharia manner. This is done directly through an electronic system using the internet network. With a financing scheme, the owner of the funds can fund the business and get a Yield (Nisbah) or Margin. Likewise, business owners can develop their business through Musyarakah or Murabahah schemes.
In Shariah investment, there are several principles that must be adhered to, such as environmental sustainability and social justice. Shariah investment is also known as sustainable and responsible investment. In Shariah investment, investors not only obtain financial benefits but also contribute to environmental sustainability and society.
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1. Tech-based Islamic Financing service (P2P Financing) is a civil agreement between Funder and Beneficiary, in which all risks are charged to all parties.
2. Payment failure is charged to the Funder, except for fraud case and mismanagement. Beneficiaries are imposed if fraud and mismanagement happens as in Risk Sharing terms based on Islamic Principles. There is no national institution or authority that is responsible to financing risk or payment failure or compensating on any parties including loss, failures, fees or consequences after.
3. The platform with agreement from all respective users (funders and/or beneficiaries) accesses, gains, stores, manages and/or uses users’ personal data (Data Utilization) on or in the objects, electronic devices (including smartphones or cellular phones), hardwares or softwares, electronic documents, applications or electronic systems belong to Users or managed by Users, upon the information of aims, limitations and mechanism of Data Utilization to the Users before the approvals.
4. Funders with limited knowledge on this financing are suggested not to use this service.
5. Beneficiaries are obliged to consider return rates/margin/service fee and other fees according to the ability to repay the financing.
6. Each fraud is recorded electronically in cyberspace and easily recognized by public through social media.
7. Users should read and understand this information before deciding to be a Funder or Beneficiary.
8. Government as in this case is Otoritas Jasa Keuangan (OJK) / Financial Services Authority is not responsible for violation or disobedience of users, Funder and Beneficiary (intentionally or unintentionally) against terms and conditions or agreement or attachment between the platform and Funder and/or Beneficiary.
9. Each transaction and financing activities, funding, financing or enforcement agreement regarding financing between or involves the Platform, Funder, Field Partner and/or Beneficiary should happen through escrow account and virtual account as stated in OJK regulation No. 77/POJK.01/2016 about Tech-Based Financing Services.
