Mau Investasi, Tapi yang Syariah, Dimana Ya?
Summary
TLDRIn this informative video, Luna introduces viewers to the concept of Shariah-compliant investing, a popular topic among Muslim investors seeking to avoid interest-based transactions. She explains the principles of Shariah investment, which is regulated by Indonesian Shariah Board (MUI) rulings, and highlights various Shariah investment options, including deposito, shares, sukuk bonds, and mutual funds. Luna provides insights into the benefits and drawbacks of each, emphasizing the lower risk and stable returns of deposito, the high potential but risky nature of shares, the high security of government-issued sukuk, and the balanced approach of Shariah mutual funds. She recommends two specific Shariah mutual funds, Sukor Syariah Balance Fund and Star Stable Aman Sukuk, available on the Makmur app, which is a licensed and OJK-regulated platform offering a range of Shariah-compliant investment options.
Takeaways
- 📘 The video discusses Islamic finance investments, focusing on the principles and types of Shariah-compliant investments.
- 🌐 The speaker, Luna, welcomes viewers to a channel about money and introduces the topic of Shariah investment for Muslim investors concerned about riba (usury).
- 📚 The script defines Shariah investment as one that is governed by Islamic law principles, often referred to fatwas from the Majelis Ulama Indonesia (MUI).
- 🔗 It highlights the importance of the contract (akad) in Shariah investment, emphasizing mutual sharing of profits while respecting Islamic values such as musyawarah (consultation), ijarah (leasing), and mudarabah (profit-sharing).
- 🏦 The first type of Shariah investment mentioned is deposito syariah, offered by Islamic banks, which provides profit-sharing instead of interest.
- 💹 The advantages of deposito syariah include low risk and no penalties for early withdrawal, but it typically offers a lower return, around 4% before tax.
- 📈 The second type is syariah stocks (saham syariah), which represent ownership in a company that operates without engaging in interest-based activities or other prohibited practices.
- 📊 The potential high returns of syariah stocks are highlighted, but the investment is also noted to be high-risk due to market fluctuations.
- 💼 The third type discussed is syariah bonds (sukuk), issued by governments for projects that adhere to Islamic principles, offering high security but limited flexibility in purchase timing.
- 🗃 The final type introduced is collective investment (reksadana syariah), which combines various Shariah-compliant investment products managed by professional investment managers.
- 📊 The script recommends reksadana syariah for beginners due to its balanced risk and return, and its flexibility in buying and selling without waiting for specific issuance periods.
- 🌟 Two specific reksadana syariah funds are highlighted as suitable for beginners: Sukor Syariah Balance Fund and Star Stable Aman Sukuk, both available on the Makmur app, which is officially licensed and supervised by OJK.
Q & A
What is the main topic of the video?
-The main topic of the video is about Shariah-compliant investment options and their definitions, advantages, and disadvantages.
What is the basic principle of Shariah investment according to the video?
-The basic principle of Shariah investment is that every process related to the investment and the returns obtained must be regulated based on the principles of Islamic law (Shariah).
What are the regulatory bodies that oversee Shariah investments in Indonesia?
-The regulatory bodies that oversee Shariah investments in Indonesia are the Majelis Ulama Indonesia (MUI) and their Shariah Council, which issues fatwas to guide Shariah-compliant practices.
What are some of the key fatwas mentioned in the video that govern Shariah investments?
-Some key fatwas mentioned are Fatwa No. 20 (2001) on Shariah reksadana, Fatwa No. 32 (2002) on Shariah bonds, and Fatwa No. 40 (2003) on capital markets, Shariah stocks, and other related financial instruments.
What distinguishes Shariah investment from conventional investment in terms of contract agreements?
-In Shariah investment, all parties agree to share profits and losses in a manner that respects Shariah values, including mutual consultation (musyawarah), leasing (ijarah), and profit-sharing (mudharabah).
What is the first type of Shariah investment mentioned in the video and what are its main features?
-The first type of Shariah investment mentioned is Shariah deposit (deposito syariah), which offers returns in the form of profit-sharing from the use of funds in a Shariah-compliant business, rather than interest.
What are the advantages and disadvantages of Shariah deposit mentioned in the video?
-The advantages of Shariah deposit include relatively low risk and no penalties for early withdrawal. The disadvantages are that the returns are relatively small, usually around 4%, and are subject to tax.
What is the second type of Shariah investment discussed in the video and what does it represent?
-The second type of Shariah investment discussed is Shariah stock (saham Syariah), which represents a share of ownership in a company that operates in a Shariah-compliant manner.
What are the benefits and risks associated with Shariah stocks according to the video?
-The benefits of Shariah stocks include the potential for high returns if the company's value increases. The risks are that stock investments are high-risk, with market fluctuations that can lead to significant gains or losses.
What is the third type of Shariah investment mentioned and who typically issues them?
-The third type of Shariah investment mentioned is Shariah bonds (sukuk), which are typically issued by the government for funding various Shariah-compliant projects and businesses.
What are the main features of Shariah bonds and their limitations as per the video?
-Shariah bonds offer high security as they are backed by the government, and they provide returns that are typically higher than Shariah deposits. However, their limitations include limited flexibility in purchase timing, as they are issued only during specific periods.
What is the final type of Shariah investment discussed and how does it differ from the others?
-The final type of Shariah investment discussed is Shariah mutual funds (reksadana Syariah), which differ from the others as they are a mix of various Shariah-compliant investment products managed by professional investment managers.
What are the advantages of Shariah mutual funds according to the video?
-The advantages of Shariah mutual funds include a managed portfolio by professional managers, the potential for stable returns similar to deposits but with higher potential profits, and the flexibility to buy and sell at any time without waiting for specific issuance periods.
What are the two Shariah mutual funds highlighted in the video and what makes them suitable for beginners?
-The two Shariah mutual funds highlighted are Sukor Syariah Balance Fund and Star Stable Aman Sukuk. They are suitable for beginners as they offer stable returns, have a professional management approach, and provide flexibility in investment timing without penalties.
How can viewers find and invest in the mentioned Shariah mutual funds according to the video?
-Viewers can find and invest in the mentioned Shariah mutual funds through the Makmur application, which is a licensed and officially supervised platform by OJK, offering a variety of Shariah-compliant investment options.
What additional feature does the Makmur application offer to help beginners with their investment journey?
-The Makmur application offers a feature to activate Shariah investment mode, which automatically displays a list of Shariah-compliant mutual funds according to their categories, making it easier for beginners to explore and choose suitable investments.
Outlines
📈 Introduction to Shariah Investment
The video script introduces the topic of Shariah investment, which is an investment practice that adheres to Islamic principles, avoiding interest (riba) and other activities that are not permissible under Islamic law. The speaker, Luna, welcomes viewers to the channel and outlines the purpose of the video, which is to discuss various types of Shariah investments, their benefits, and drawbacks. The script explains the basic definition and understanding of Shariah investment, mentioning that it is regulated by fatwas from the Indonesian Ulemas Council (MUI). It also touches on the different aspects that distinguish Shariah investment from conventional investment, such as the types of contracts used, including musyawarah (consultation), ijarah (leasing), and mudarabah (profit-sharing). The video promises to cover several types of Shariah investments, such as Shariah deposits, Shariah stocks, and more, to help viewers make informed decisions based on their needs.
🏦 Exploring Shariah Investment Options
This paragraph delves into the specifics of various Shariah investment options available to Muslim investors. It starts with Shariah deposits, which are offered by Shariah banks and provide profits in the form of shared gains from the use of funds in halal businesses, rather than interest. The benefits of Shariah deposits include low risk and a relatively stable return, although the potential profit is modest, usually around 4% before tax. The script also mentions the penalties that may apply if the funds are withdrawn before the agreed term. Moving on, the paragraph discusses Shariah stocks, which represent ownership in a company and can offer high potential returns if the company's value increases. However, they also come with higher risk due to market fluctuations. The video script then covers Shariah bonds or 'sukuk,' which are issued by governments for funding projects that comply with Shariah principles. These investments offer high security as they are backed by the state, but they may offer lower flexibility in terms of purchase时机, as they are issued periodically. Lastly, the paragraph introduces 'Reksadana,' a mixed investment that combines various Shariah-compliant financial products, managed by professional investment managers, offering a balance of benefits and risks from different investment types.
Mindmap
Keywords
💡Islamic Finance
💡Shariah
💡Investment
💡Riba
💡Shariah Supervisory Board (SSB)
💡Deposito Syariah
💡Shariah-Compliant Stocks
💡Sukuk
💡Reksadana Syariah
💡Fatwa
💡Risk and Return
Highlights
Introduction to the concept and definition of Shariah investment, emphasizing its alignment with Islamic principles.
Explanation of how Shariah investment regulations are guided by fatwas from the Indonesian Ulama Council (MUI).
Differentiating Shariah investment from conventional investment through the use of Islamic-based contracts and profit-sharing.
Overview of various types of Shariah investments, including their advantages and disadvantages.
Description of Shariah Deposit as a low-risk investment option with a relatively small profit.
Introduction to Shariah Stocks as a high-potential investment with ownership in a company and potential for high returns.
Discussion on the criteria for Shariah Stocks and their availability on the stock exchange.
Risks associated with Shariah Stocks due to market fluctuations and the need for investor experience.
Explanation of Shariah Sukuk as government-issued investment bonds for Shariah-compliant projects.
Advantages of investing in Shariah Sukuk, including high safety and guaranteed returns by the state.
Limitations of Shariah Sukuk in terms of limited issuance periods and inflexibility for investors.
Introduction to Shariah Mutual Funds (Reksadana) as a mixed investment combining various Shariah-compliant financial products.
Benefits of Shariah Mutual Funds for beginners, including professional management and a balanced portfolio.
Discussion on the stability and potential higher returns of Shariah Mutual Funds compared to other investments.
Recommendation of two Shariah Mutual Funds, Sukor Syariah Balance Fund and Star Stable Aman Sukuk, for their stability and high returns.
How to find and invest in Shariah Mutual Funds using the Makmur app, a licensed and OJK-supervised platform.
The Makmur app's features and promotions for new investors, making it an attractive option for beginners.
Conclusion summarizing the benefits of Shariah investments and encouraging further exploration on the 'Ngomongin Uang' channel.
Transcripts
[Musik]
Hai semua ketemu lagi sama aku Luna
Selamat datang di channel ngomongin uang
di video kali ini aku mau bahas satu
konten yang cukup sering nih direquest
sama sobat ngomu yaitu tentang investasi
Syariah jadi buat sobat ngumu yang
beragama muslim pengin banget nyoba
investasi tapi takut riba dan mau nyoba
investasi Syariah tapi bingung gitu ya
mau mulai dari mana pastiin tonton video
ini sampai selesai ya oke Sebelum kita
mulai kita bahas Dikit dulu yuk definisi
dan pengertian dari investasi Syariah
simpelnya investasi Syariah itu adalah
pilihan investasi di mana setiap proses
yang berkaitan sama investasi ini maupun
imbal hasil yang didapatin dari
investasi ini itu tuh diatur supaya
berlandaskan prinsip-prinsip dalam
syariat Islam di Indonesia sendiri
investasi Syariah apapun bentuknya pada
dasarnya aturannya selalu dirujuk dan
berpedoman sama fatwa-fatwa dari dewan
Syariah Majelis Ulama Indonesia atau MUI
contohnya fatwa nomor 20 tahun 2001 yang
ngatur reksada Syariah terus fatwa Nomor
32 tahun 2002 yang ngatur obligasi
Syariah ada juga nih fatwa Nomor 40
Tahun 2003 yang ngatur tentang pasar
modal Kak saham syariah dan lain
sebagainya tapi kalau boleh sedikit aku
sederhanain satu aspek yang paling
membedakan antara investasi syariah dan
investasi konvensional itu ada di sistem
perjanjian akad investasi Syariah di
mana tiap pihak tuh bersepakat nih buat
saling ngasih keuntungan satu sama lain
dengan matuhin nilai-nilai syariah yang
mencakup musyawarah atau kerja sama
ijarah atau sewa- menyewa dan mudorah
atau bagi hasil jadi ketika tiga prinsip
itu bisa terpenuhi dalam akad maka
kegiatan investasi bisa dibilang halal
atau bebas riba oke sekarang
pertanyaannya investasi Syariah itu ada
apa aja sih oke di sini aku bakal bahas
sekilas beberapa jenis investasi Syariah
lengkap sama kelebihan dan kekurangannya
masing-masing supaya bisa kamu cocokin
lagi nih sama kebutuhan kamu yang
pertama adalah deposito syariah yang
biasa ditawarin sama bank syariah
prinsipnya deposito Syariah ini ngasih
keuntungan dari pendanaan yang kita
lakuin tapi keuntungannya bukan dalam
bentuk bunga atau penambah nilai tapi
dalam bentuk bagi hasil gitu dari
keuntungan yang dihasilin sama
penggunaan dana tersebut dalam usaha
yang halal dan sesuai ketentuan Syariah
jadi penggunaan dana kita enggak bakal
tuh disalurin ke bisnis-bisnis alkohol
perjudian atau apapun yang bertentangan
sama Syariah kelebihan dari deposito
Syari ini adalah tingkat risikonya yang
relatif rendah Jadi buat kamu yang suka
investasi yang aman-aman aja debasito
ini sering kali jadi pilihan populer
tapi kekurangannya yanghasil atau nisbah
dari investasi ini tergolong kecil juga
cuma sekitar 4%an Itu tuh belum dipotong
pajak dan sebagian besar deposito juga
ngak berlakuin denda nih kalau misalnya
kita perlu nyarin uangnya lebih cepat
Sebelum jatuh tempo sekarang kita lanjut
ke opsi yang kedua yaitu saham Syariah
jadi gini pada dasarnya saham itu adalah
surat bukti kepemilikan perusahaan di
mana Kalau kita investasi saham berarti
kita ikut memiliki sebagian dari
perusahaan tersebut Jadi kalau nilai
perusahaan itu naik maka selisih
penjualan dari saham kita jadi satu
bentuk keuntungan investasi Nah dari 900
lebih saham terbuka yang terdaftar di
Bursa effectfek ada cukup banyak nih
saham yang masuk kategori saham syariah
dan kriteria saham Syariah itu bisa kamu
lihat di website resmi bursa di mana
bisnis dari saham-saham perusahaan yang
masuk kategori ini itu tuh enggak punya
kegiatan usaha yang ngandung unsur riba
dan juga juga hal-hal yang bertentangan
sama Syariah kelebihan dari saham
Syariah ini adalah potensi keuntungannya
yang bisa jadi cukup tinggi gitu ya
Kalau kamu bisa nemuin saham yang
kenaikan harganya tinggi tapi
kelemahannya investasi saham merupakan
investasi yang berisiko tinggi juga jadi
kalau investasi Syariah lain kamu bisa
prediksi nih kira-kira keuntungannya
berapa sih dalam setahun tapi kalau di
pasar saham fluktuasi naik turun aset
kamu bisa agresif banget kayak gini Jadi
bisa dibilang investasi Syarah ini lebih
cocok buat mereka yang udah
berpengalaman atau memang mau belajar
investasi saham secara serius yang punya
potensi kerugian sekarang kita lanjut
bahas yang ketiga yaitu obligasi sukuk
Syariah ini adalah investasi yang
diterbitin nih sama pemerintah negara
buat ngelakuin pendanaan program
pemerintah yang beroperasi sesuai sama
prinsip-prinsip Syariah kayak proyek
infrastruktur pembangunan properti atau
pengembangan bisnis yang halal
kelebihannya investasi di obligasi sukuk
ini tingkat keamanannya itu tinggi
banget soalnya dijamin langsung sama
negara dari sisi keuntungan kan obligasi
sukuk ini juga nawarin ebal hasil di
atas deposito Syariah tapi di sisi lain
kelemahan obligasi sukuk ini ada di
fleksibilitasnya di mana kita enggak
bisa sembarangan kapanp beli obligasi
sukuk Syariah soalnya obligasi ini
diterbitin secara Terbatas cuma di
periode-periode tertentu aja jadi kalau
kita kelewatan periode itu Ya kita harus
nunggu giliran pengumuman penerbitan
suku berikutnya sekarang kita lanjut
bahas jenis yang terakhir nih yaitu
reksadena Syariah jenis investasi ini
bisa dibilang campuran dari semua bentuk
investasi yang aku bahas sebelumnya
Reksadana merupakan satu perhimpunan
dana yang bisa ngasih keuntungan
investasi reksadana ini punya komposisi
banyak produk investasi yang sudah
dircik gitu sama para manajer investasi
profesional dalam hal ini raksa dana
Syariah merupakan wadah investasi yang
di dalamnya tuh ada deposito Syariah
saham Syariah sukuk obligasi syariah dan
berbagai produk investasi yang memenuhi
prinsip syariah di pasar modal yang
dirujuk dan berpedoban sama fatwa-fatwa
dewan Syariah MUI nah buat investor yang
masih pemula reksa dana syaria ini
sebetulnya yang menurutku paling cocok
ya soalnya reks dana syaria ini bisa
ngasih beberapa aspek keuntungan dari
jenis investasi yang lain tapi juga
ngurangin kelemahan dari jenis investasi
yang lain juga yang pertama portofolio
rekss danana ini dikelola atau ibaratnya
Dijagain nih sama para manajer investasi
profesional yang udah paham banget sama
karakter dunia pasar modal Terus yang
kedua kita bisa nyari reks danana yang
ngasih imbal hasil yang stabil kayak
gini nih kenaikannya mirip sama deposito
dan yang pasti enggak naik turun kayak
saham tapi di sisi lain ada juga loh
rexadan grafik untungannya stabil kayak
gini tapi yang bahasilnya lebih besar
dari deposito sukuk Syariah bahkan emas
terus yang ketiga rexadan ini juga bisa
dibeli dan dijual kapan aja jadi enggak
perlu deh tuh nunggu waktu penerbitan
kayak suku kombligasi yang periode jual
belinya terbatas jadi bisa dibilang
rexadan ini punya beberapa kombinasi
kelebihan yang dimilikin sama jenis
investasi lain sekaligus ngurangi Sisi
kelemahannya nah satu aspek yang jadi
kekurangan reks danana ini adalah
jumlahnya yang banyak banget Dan perlu
kamu teliti dulu gimana sih komposisi
dan karakter dari pergerakan harganya
Nah tim ngomo udah sempat Coba ya
nyeleksi banyak reksada syariah dan
ketemu dua jenis nih yang menurut tim
ngomu punya karakteristik yang cocok
buat pemula yang ngincir yangel hasil
yang stabil keuntungan yang cukup tinggi
bisa dibeli dan dicairin kapanp tanpa
ada penalti yang pertama ada rexadana
syaria suor invest Syariah Balance fund
yang dikelola sama manajer investasi
senior yaitu sukor invest aset managemen
yang baru tersedia di aplikasi Makmur
nih aku lihatin profilnya dari aplikasi
makmur ya Reksadana sukor Syariah
Balance F ini komposisinya ada saham
Syariah terus obligasi sukuk dan pasar
uang syariah secara berkala komposisinya
terus berubah nih sesuai sama kondisi
ekonomi dan menariknya dalam 1u tahun
terakhir kita bisa lihat grafik
keuntungannya bisa stabil banget kayak
garis lurus dengan kenaikan atau imbal
hasil 7,45% dalam 1 tahun keuntungan
segini tuh tergolong tinggi banget loh
buat jenis investasi dengan grafik
stabil kayak gini jauh lebih besar
daripada deposito bahkan lebih besar
juga dari sukuk syariah dan beberapa
saham Syariah ternama juga sekarang kita
lanjut ke Reksadana Syariah kedua yang
gakaka menarik nih yaitu Star Stable
Aman sukuk yang merupakan Reksadana
pendapatan tetap dengan alokasi utama
portfolionya adalah obligasi sukuk
sesuai sama namanya ya Nah perlu diakuin
readana cara ini baru banget terbit baru
sekitar 3 bulanan tapi menariknya
kenaikan investasinya stabil banget dan
enggak ada fluktuasinya kayak gini terus
keuntungannya sejauh ini udah 2,5%an
bayangin aja deh baru 3 bulan naiknya
udah 2,5% berarti kalau kita asumsiin
ini stabil terus dalam setahun bisa jadi
keuntungannya di range 8 sampai 10% per
tahun nah buat kamu yang tertarik mau
ngelihat produk Rexa dana Syariah ini
kamu bisa cek sukor invest Syariah
Balance fund dan star Stable aman sukuk
ini di aplikasi Makmur yang merupakan
agen penjual reks danana yang berizin
resmi dan diawasin sama OJK selain dua
reks danana ini kamu juga bisa nyeleksi
sendiri semua reks dana syariah yang ada
di Makmur pakai fitur investasi Syariah
Caranya tinggal aktifin mode investasi
Syariah aja yang ada di halaman profil
kamu dan makmur secara otomatis cuma
nampilin daftar readana yang Syariah aja
sesuai kategorinya masing-masing buat
kamu yang mungkin belum familiar gitu ya
sama makmur di awal tahun ini ngomu
pernah bahas BAB beberapa aplikasi
nabung yang ideal buat pemula dan kita
sempat metain beberapa keunggulan dari
masing-masing aplikasi dan ternyata nih
Makmur ini merupakan salah satu aplikasi
pendatang baru yang punya banyak
keunggulan dan masih banyak Promonya
jadi buat kamu yang masih baru mau mulai
investasi Makmur ini bisa jadi cocok
banget buat kamu karena banyak promo
buat akun baru nih dan Aset yang mereka
tawarin juga rata-rata cocok buat para
pemula Oke deh segitu aja pembahasan
kita kali ini semoga bermanfaat
danembwasan kamu semua sampai ketemu
lagi di video selanjutnya tetap di
channel ngomongin uang karena ngomongin
uang enggak ada
habisnya
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