November 22, 2010

Deposit amount, Qirad Dinar Or Planting Trees?



Looking at the various plants in the plantation of Mount Ringgit and prosperity enjoyed by his servants; it seems I get a justification of my main thoughts on this site stretcher. 


That the best investment is the real sector that is managed correctly, that 'money' which is actually the real objects whose value is determined by the value of the object itself - its intrinsic value, not values imposed by the force of law. 


Because the plantation Mount Ringgit begin taken over and managed by my college friends since 2001, so I tried to simulate the performance of their investment - compared to Profit Sharing in Islamic Banking Deposit amount (I do not use conventional banks because the interest Usury according to the MUI fatwa I / 2004) and Qirad Dinar.


Assuming the same amount of money USD $ 38.5 million in 2001; invested into the deposit amount; buy Dinar then in qirad right and the third is used to plant a tree, then the result in Rupiah were as follows. 
Money that is placed deposits since 2001 (the assumption of net results of an average of 6% / year), currently has a USD 58 million. 

The money that bought dinar and  in qirad (assuming the net result of 4% / year), currently has a USD 151.32 million 



Money that used to plant trees (assuming its performance following the Mount Ringgit), is currently a USD 1:35 Billion Yeah! 
  
That is, the glass eye Rupiah - Qirad Dinar investment can produce 3 times better than can be given by the Deposit. But far better investment in the real sector which in this example can provide results that almost 9 times better than Qirad Dinar Investment. 
  

Well how about now if we replace the scales with scales of righteousness, not paper money but the dinar - see chart beside. 

  

Currency USD 38.5 million in 2001 is equivalent to 100 dinars; If the money is kept in dollars and deposited, then the money is now a USD 58 million but only the equivalent of 50 dinars!. 


The money that bought dinar to 100 dinar (2001); and in qirad right, so now the money has been a 132 Dinar 


The same money that used to plant trees, so the trees have now become 1.174 dinars!. 
  
So what our investment choices? ... Of course the main choice is the real sectors such as planting this tree. But this is no condition that is if we have all the skills required and also ready to bear the risks that must be faced. 
  
If we are not ready with a variety of expertise required for businesses that will be our field, and we are not ready to bear the risk - the investment in the Dinar (especially in shape Qirad) is the choice. 
  
This is the justification why often I call that the Dinar (especially Qirad Dinar) is investing No. 2, because that No. 1 is the real sector, which is run by Mount Ringgit well as the above. 
  
Allah willing in the future we can improve the performance of our investments by Ringgit Mount emulate the success of the program muzaraah