Mau Investasi, Tapi yang Syariah, Dimana Ya?

Summary

In 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

00:00

📈 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.

05:01

🏦 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.

Keywords

💡Islamic Finance

Islamic Finance refers to a system of banking or finance that is consistent with the principles of Islamic law, known as Sharia. It is a key theme in the video as the host discusses various forms of investment that adhere to these principles, avoiding interest (riba) which is prohibited in Islam.

💡Shariah

Shariah is the moral code and religious law of Islam. In the context of the video, Shariah dictates the rules and principles that make an investment Shariah-compliant, ensuring it is free from elements like interest and speculation.

💡Investment

Investment in the video script refers to the act of committing money or capital to an endeavor expected to generate a profit. The host explains different types of Shariah-compliant investments available to Muslim investors.

💡Riba

Riba, in Islamic finance, refers to the charging or paying of interest, which is prohibited under Shariah law. The video emphasizes the importance of avoiding riba in Shariah-compliant investments.

💡Shariah Supervisory Board (SSB)

The Shariah Supervisory Board is a committee of Islamic scholars that ensures financial products and services comply with Shariah principles. The video mentions that the rules for Shariah investments are often based on fatwas (Islamic legal opinions) from such a board.

💡Deposito Syariah

Deposito Syariah, as explained in the script, is a type of Shariah-compliant deposit offered by Islamic banks. Instead of earning interest, depositors share in the profits from the bank's investment activities that are in line with Shariah law.

💡Shariah-Compliant Stocks

The script discusses Shariah-compliant stocks, which are shares in companies that do not engage in activities forbidden by Shariah, such as dealing in alcohol or gambling. Investing in such stocks is a way for Muslims to participate in the stock market without violating their religious beliefs.

💡Sukuk

Sukuk is an Islamic financial certificate that represents a proportionate ownership in an asset or project, providing a return to investors without involving interest. The video mentions Sukuk as a type of Shariah-compliant investment issued by governments for funding various projects.

💡Reksadana Syariah

Reksadana Syariah, or Shariah-compliant mutual funds, pool money from investors to finance a diversified portfolio of Shariah-compliant assets. The video highlights this as a suitable investment for beginners, as it combines the benefits of various investment types while mitigating their individual risks.

💡Fatwa

A fatwa is an Islamic legal opinion issued by a qualified religious scholar. In the video, the host refers to specific fatwas from the Majelis Ulama Indonesia (MUI) that provide guidelines for Shariah-compliant investments, such as fatwa numbers 20, 32, and 40.

💡Risk and Return

The script discusses the concept of risk and return in the context of different Shariah-compliant investments. It explains that while some investments like Deposito Syariah offer lower risk, others like Shariah-Compliant Stocks may offer higher potential returns but also come with higher risk.

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