Who doesn't want to have additional income and strengthen finances? Financial strength can let you have peace of mind in life. One way to earn additional income is through investments, including sharia investments. What makes an investment a sharia investment, not a conventional investment?
Get to Know Sharia Investment
As the name implies, sharia investment is a type of investment that is in accordance with sharia principles and Islamic law. There are a number of general principles related to sharia investment that you need to know:
1. Riba-free investment
What is meant by riba? Riba is additional income in the form of interest. Where does this extra income come from? Usually riba is obtained in buying and selling transactions as well as lending and borrowing.
Riba is contrary to the principle of muamalat in the teachings of Islam. Therefore, you can rest easy because sharia investment is certainly free from riba.
So, instead of profiting from riba, investors will get profits through sharia investment by applying a profit-sharing system that is carried out through profit and loss or fair investment climate.
2. Investment without gharar and maisir
Referring to Islamic law, gharar aims to harm or confuse customers through the presentation of information that is unclear, uncertain or incomplete.
Meanwhile, maisir is an act that has the nature of betting, whether in the form of money or objects. Maisir can also be seen as an act to get profit easily without expending effort. In investing, you can't expect big profits in the short term because this is the same as gambling.
Neither gharar nor maisir are in line with Islamic law. Thus, sharia investment is an investment that does not contain gharar and maisir.
3. Investment with wakalah and mudharabah principles
Sharia investment has clear principles. In this case, the principles are the wakalah bil ujrah and mudharabah principles.
The wakalah bil ujrah principle is a form of guarantee for the trustee when making sharia investments, while the mudharabah principle is a form of mutual trust between the two parties involved in sharia investment. These two parties are the owner of capital who submit their capital to be invested and the investor who receives the capital.
Types of Sharia Investments
Just like conventional investment, sharia investment also varies. You can invest in property, gold, bonds, stocks, deposits and mutual funds. However, every investment is based on sharia principles. So there's nothing for you to worry about.
Jago x Bibit Makes It Easy to Start Sharia Mutual Fund Investments
Of the various types of sharia investments available, sharia mutual fund investments are in great demand by investors of all ages and backgrounds.
Apart from only investing in halal companies and meeting certain financial ratios, sharia mutual fund investments with Bibit do not require you as an investor to invest with large capital.
If you invest in Bibit mutual funds using a Jago Syariah account, you can start with a capital of Rp 100 thousand. If you want to increase your capital later, you can top it up.
The nice thing is, with your Jago Syariah account being linked to your Bibit account, you can enjoy free top-ups to boost your sharia investments. To be more consistent in investing in order to secure the future, you can also take advantage of the Auto Top-up feature. This way, you can plan ahead your sharia investments with Bibit every month.
Now, you can open a Jago Syariah account via Bibit. You can find the guide in the Jago and Bibit Collaboration.
You can also download the Jago application here and don't forget to choose Jago Syariah for the convenience of transacting and managing finances according to sharia principles.
