Zakat property investment

The definition of productive property that is property assets are used to benefit from the property.[1] Productivity sought by way of rent property to others or to sell their way of productivity. At this time investment carried on in the various fields of business, such as hospitality, residential, house, factory, shopping and transportation etc.[2]

So it is an investment property is Zakat levied against the property obtained from the investment, such as buildings or vehicles for rent. The purpose of this investment is held to produce income or with commercial purposes. In this modern era, the investment is a very important economic sector. What is meant by investment zakat is obligatory upon a wealth of material that is not yet the results of the product.

Zakat is imposed investment to assets acquired from investment returns.[3] Among the forms of business investment is entering a building or office for rent, stock, rental car, rented house, and investment in livestock or farm. Zakat obligatory not excluded from the investment value, but the results of the investment income.

From the description it can be concluded that the development of the times, the provisions regarding the zakat expenditure not only on matters specified explicitly in the texts. Zakat shall be issued on properties we are developing and can obtain a result thereof.

By : Eny Wulansari ( 11220015 )

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[1] Arief Mufraini, Akutansi dan Manajemen Zakat,( Jakarta : Prenada Media Grup,2008 ),93

[2] M.Ali Hasan, Zakat dan Infaq satu solusi mengtasi problema sosial di Indonesia,( Jakarta : Kencana,2006)

[3] Fakhruddin, Manajemen Zakat,172

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Insurance Concepts in Islamic Economics Review

According to Mustafa Ahmad Zarqa, the meaning of insurance is occurrence. Meanwhile, according to the term insurance is a way or method to human save in avoiding the risk (threat of) a variety of hazards that would occurred in his life, in the course of his life or activities in economic activity.[1]

Majis National Islamic Council of Ulama Indonesia (DSN-MUI) in his fatwa on the general guidelines asuransi. Asuransi Syariah (ta'min, Takaful, Tadhamun) according to the DSN-MUI is keep mutual effort and mutual help among a number of persons or parties through investment in assets and or tabarru 'which gives the pattern of return to face a particular risk through the contract (engagement) in accordance with syariah.[2]

From the above definition it appears that Islamic insurance is helping each other and keep called ta'awun. Therefore, Islamic insurance premium is paid by the fund participants consisting of savings accounts and tabarru '. Funds are deposited savings of audience Islamic insurance (life insurance) and will be allocated for the result. (Al-mudhorobah) of net investment income earned each year. While tabarru 'is a charity fund given by the participants willingnes insurance and if at any time will be used to pay claims or insurance benefits.

Actually, the concept of Islamic insurance has existed since the time of the Prophet called Aqilah. Even according to Patrick Thmas in his Dictionary of Islam, it has become a habit since the ancient Arab tribe that if any one of the family of the slain victim will be paid accounted heir of blood money (diyat) as compensation. Next of kin of the killer called Aqilah, must pay blood money on behalf of the killer.[3]

Another term that is often used for Takaful Islamic insurance is. Said takafu taste of takafalla-yatakafau, which etymologically means guarantee or bear one another.[4]
In the Quran, Allah commanded His servants to continue to make preparations to face tomorrow, because it's a lot of people are trying to prepare by saving or insured.

By : Eny Wulansari

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[1] M. Syakir Sula, Asuransi Syariah (Life and General).  2004. (Jakarta: Gema Insani),hlm 29.

[2] Fatwa Dewan Syariah Nasional No.21/DSN-MUI/X/2001 Tentang Pedoman Asuransi Syariah.

[3] M. Syakir Sula, Asuransi Syariah (Life and General).  2004. (Jakarta: Gema Insani), hlm. 31

[4] Sula, Life and General,hlm 32

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FORMS OF CAPITAL INVESTMENTS IN ISLAM

The principle of equity in Islam in Indonesia is not in stock form but in the form of syariah stock index. Stock index is something that shows the movement of stock prices by looking at the condition of the market, whether it is active or sluggish market, whether it is an increase, stabilize or decrease.

In this case the index is very important for investors as to determine whether they would be willing to sell, or buy Manahan. While the stock price will move in a matter of minutes even seconds, in the event that causes a change in the index with a fast time. Such changes indicate strong dominance of external influences rather than to investment.

One index that is based on the principle that Islamic syariah index. In Indonesia Stock Exchange (IDX) contained several indexes Janis, one of them in accordance with Islamic principles known as the Jakarta Islamic Index (JII). The purpose of the Jakarta Islamic Index (JII) is to increase the confidence of investors to invest in stocks based on syariah. In addition, to guide investors who want to invest their funds in Syariah, as well as benefit advantage for investors who invest in the stock exchange.[1]

Fundamental difference between syariah / islamic index with other indices of non-syariah all shares are incorporated in the Jakarta Islamic Index (JII) shall be in accordance with Islamic principles. To determine the level syariah, hence the need for the screening process (screening) to companies that want to be listed on the Jakarta Islamic Index (JII). The process aims to determine whether the company's stock can be categorized as the effect of "kosher". In addition, to provide instruments to investors to invest in stocks in accordance with Islamic principles.[2]

To embed it in stock we also need to be selective in order to business activities that we do stay within the rules justified by Islamic law. Therefore, the Islamic index is one alternative planting stock principled syariah.

By : Eny Wulansari ( 11220015 )

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[1] Nurul Huda dan Mohamad Heykal, Lembaga Keuangan Islam Tinjauan Teoritis dan Praktis (Jakarta:Kencana, 2010), 220-227.

[2] M. Irsan Nasarudin, dkk, Aspek Pasar Modal Indonesia (Jakarta: Kencana, 2004), 210.

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Wisdom Musaqah (Caring A Plantation with Revenue Sharing Agreement)

Wisdom Musaqah (Caring A Plantation with Revenue Sharing Agreement)

If there are rich people have a garden in which there are trees such as the date palm and grapes, and a person is not able to irrigate or caring for palm trees and the grapes due to an obstruction, then the Sharia ' The wise ( God ) to allow his ¬ perform a contract with someone who mall to irrigate and care for the trees . And , for each of the two to get a part of the result .

In it there are two lessons. First, remove the burden of pauperism ¬ poverty and humiliation from the shoulders of the poor, who by that means have to meet their needs. Second, the benefits exchanged between fellow human beings. In addition, there is also another boon for the owners of the tree that is growing trees he has. So if he let the tree without watering, then a day or a few days the trees will be damaged. and death. Plus it will give birth to a bond of love among humans and can unite people so that will be very useful.

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