Having a sakinah family is the dream of many Muslims. What is the reason and how to build a sakinah family according to the teachings of Islam?
The Meaning of Sakinah Family in Islam
A sakinah family can be defined as a family whose life is filled with happiness, harmony and various other positive values, including peacefulness and tranquility.
Building a sakinah family will have a good impact not only on the lives of husband and wife but also on the lives of children. Children who are raised in a sakinah family will be able to grow more optimally, not only physically but also mentally (reference: Republika).
There are many ways to create a sakinah family full of love and happiness, for example by never stopping being grateful to Allah SWT for everything, helping those in need who are experiencing difficulties and increasing quality prayer. (reference: Kanwil Kemenag Sumsel).
Building a Sakinah Family by Managing Finances According to Sharia Principles
From a financial perspective, building a sakinah family can also be realized by starting to manage finances according to sharia principles.
"We must have financial planning in order to achieve sharia goals (maqashid syari'ah), namely in terms of protecting religion, soul, mind, lineage, property, self-esteem and the environment," said Murniati Mukhlisin who is the founder of Sakinah Finance. Furthermore, Murniati also emphasized the positive influence of managing finances according to sharia principles on peace in the family and rewards in the afterlife (reference: Republika).
Moreover, there is a financial planning method that can be applied by each couple so that all living needs can be met while still having savings and investments and without neglecting charitable deeds, namely an allocation of 40% to meet the family's living needs, 30% to pay debts, 20% for investments and insurance, and the remaining 10% can be used for charity, which can be in the form of sadaqah, zakat, infaq or waqf (reference: Republika).
Jago Syariah: Sharia Bank Free of Admin Fees
Why can Jago Syariah help every Muslim family to build a sakinah family through sharia-based financial management?
1. Jago Syariah is a digital sharia bank that uses the principles of wadiah and mudharabah
Savings with wadiah and mudharabah akads are savings that are often chosen by Muslims who want to manage their finances based on sharia principles. You and your partner can also choose these two types of savings to manage your household finances so that your life is more blessed and peaceful, and you can also build a sakinah family.
2. Create Jago Syariah Saving Pockets to save money in sharia-based wadiah savings without monthly administration fees
Savings are an important thing for every family to have. With savings, families don't need to go into debt so they avoid stress, reduce wasteful lifestyles, and can meet their financial goals well.
For financial goals that you want to achieve in the short term, you can choose savings with wadiah akad that is in accordance with sharia principles. You can open several wadiah savings at Jago Syariah at the same time.
The way to do this is by creating a number of Jago Syariah Saving Pockets through the Jago application, because Jago Syariah is a digital bank. The number of Saving Pockets that can be owned is up to 20, where each Pocket has its own account number.
Even though you have a lot of savings, you don't need to pay monthly administration fees. You can also withdraw the money from your savings at any time because the wadiah akad allows it.
3. Have mudharabah savings in the form of Sharia Deposit at Jago Syariah
Another type of savings that you can have once you open a Jago Syariah account is mudharabah savings. An example of mudharabah savings is a deposit. At Jago Syariah, you can open a Sharia Deposit and get a competitive profit sharing ratio.
Just like wadiah savings, you can also have up to 20 Sharia Deposits at Jago Syariah. The process of opening a Sharia Deposit can be done directly via the Jago application so you don't need to visit Bank Jago Syariah.
The Sharia Deposit also offers the benefit of being able to be withdrawn at any time without penalty fees, making it a suitable saving instrument for your family's emergency funds. And, alhamdulillah, even though it is withdrawn prematurely, the Sharia Deposit still provides profit sharing whose amount is adjusted to the saving period.
4. Live a frugal and simple lifestyle and manage your expenses well using the Jago Syariah Spending Pocket
A simple and frugal lifestyle is a lifestyle recommended in the Islamic religion. Meanwhile, wasteful actions and attitudes are prohibited in Islam. To be able to manage your expenses well so that spending money irresponsibly can be prevented, you can use the Jago Syariah Spending Pocket.
Just like the Saving Pocket, you can also have many Jago Syariah Spending Pockets with their respective account numbers. So, each Spending Pocket can be used to transfer money, pay bills, add balance to e-Wallet and complete various transactions or payments.
By saving expenses and managing your finances better, insyaAllah, you and your family will have more money to save for your shared goals in the future.
Find other features from Jago Syariah that can help reduce wasting money here.
5. Manage finances with your partner easily, more practically and more blissfully using the Jago Syariah Shared Pocket
Jago Syariah also allows each couple to manage finances together. Saving and managing finances together will certainly feel more exciting, apart from maintaining financial transparency in the household.
Many household needs can be managed together, for example savings for children's education, Umrah savings and Hajj savings. Expenses such as monthly shopping and monthly household bills can also be managed. You can choose to make your Saving Pocket or Spending Pocket a Joint Pocket, depending on the agreement with your partner.
Read in full about opening a joint account with Jago Syariah in this article.
6. Share kindness through sadaqah and zakat
What is also very important and should not be ignored are the teachings of Islam that encourage good deeds by doing charity to help others who are in difficulty or need a helping hand.
Charity can be done in the form of sadaqah and zakat. Practical sadaqah and zakat can be done through the Jago Amal feature available in the Jago application. Don't forget, separate your budget for charity regularly using the Jago Syariah Spending Pocket.
Are you ready to share kindness by building a sakinah family with your loved ones who are always there to bring joy and happiness to your life?
Rely on Jago Syariah, a digital sharia bank with innovative financial solutions in Indonesia that makes it easier for you to manage your finances alone or with your partner as well as doing charity through sadaqah and zakat. Managing finances with Jago Syariah is also more blissful because it complies with sharia principles.
