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One of the popular investments among Indonesian people today is sharia-based investment. This option is an option for Muslims who want to invest without violating the Shari’a. Unfortunately, not all sharia investments promise the same profit potential.In this review, we will summarize some of the best safe and profitable types of sharia investments for you.
The Best Sharia Investment Choice
When deciding on sharia-based investments, the average profit choice is not only about money. More than that, several investment products of this type offer to channel your profits for the benefit of the people.
What are the options you could consider?
1. Sharia Mutual Funds
One of the most popular investment instruments for novice investors is mutual funds. You can try money market mutual funds to stocks. The good news is that there are now Islamic mutual funds that target Muslim investors in Indonesia.
In this investment model, you only need to deposit a certain amount of funds which will be managed by the investment manager. The investment manager acts as a capital manager and decides on the strategies and techniques to be used in fund development.
Uniquely, there is a cleansing process in this one investment instrument. The goal is that there are no things that interfere with the halal aspect of the money being managed earlier.
2. Sharia deposits
The second option is Islamic deposits which are time savings from Islamic banks in Indonesia. In general, the mechanism for this term savings is more or less the same as the regular version.
It’s just that, the concept is that you as the owner of the funds will reach a consensus with the bank at the beginning. This is related to the amount of profit per month and the management of the funds.
This product will give you benefits in accordance with the agreement and according to Islamic law. Win-win solution right?
3. Sukuk
According to the MUI fatwa, sukuk is a Sharia Securities which has the form of a certificate with the same value and represents an owner whose boundaries cannot be determined on the underlying assets. These underlying assets are for example land, services, development projects, and others.
Sukuk are included in instruments that aim to raise funds for the public interest. In addition, this fundraising also serves as a medium for increasing and developing capital.
Several types of sukuk that are registered globally and are recognized by Islamic financial institutions (AAOIFI) are stock bonds, istisna bonds, musyarakah bonds, ijarah bonds, murabahah bonds, and mudharabah bonds.
The benefits of this Islamic investment are margins, rewards, and profit sharing.
Stock investment has always been the ultimate tempter for investors who like high risks and returns. However, the limited choice of issuers sometimes makes Muslim investors still go back and forth to decide to invest.
Fortunately, currently issuers in the capital market continue to grow so that Islamic stock options appear. As of 2021 alone, there are around 499 sharia stocks registered on the Sharia Securities List.
Growth from 2020 to 2021 is also quite significant, reaching 15.5%. With this option, you can more freely choose issuers with the best profit potential for stock investment in the capital market.
For information only, banking companies (or the lending sector), the cigarette and alcohol industries, to food are not included in this category.
5. CWLS Retail (Cash Waqf Linked Retail Sukuk)
One of the sharia-based financial products issued by the government is CWLS Retail. This product is an investment in cash waqf funds in state sukuk. Later, the proceeds from CWLS will be distributed to social programs and community economic empowerment.
In accordance with the provisions of Islamic law, investors in Retail CWLS instruments will only get the principal. This product is perfect for those of you who want to make a profit, but have a goal to share with people in need.
Those of you who are interested in buying this product can choose waqf sukuk from Bank Syariah Indonesia and CIMB Niaga Syariah.
6. SLW (Sukuk Linked Waqf)
The next option is still from the Indonesian Waqf Agency which issued another waqf product, namely SLW. This product is issued by Nazir partners, namely Islamic banks operating in Indonesia.
SLW itself is an investment on waqf land. The purpose of issuing this one financial product is to optimize waqf land which previously lacked funds in management and development.
This product is here to finance development on the waqf land earlier.
For the Muslim community, getting options to invest in accordance with te religious teachings Of course it’s a breath of fresh air. From some of the best safe and profitable sharia investment options above, which one is your choice?