Bulan Ramadhan, Suci Hati Suci Aset

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Bulan puasa identik dengan bulan suci. Suci secara hati, tubuh, perilaku, dan juga aset. Salah satu aset yang bisa di pilih adalah saham syariah. Makannya judul artikel ini suci hati suci aset.

Ilustrasi Saham Syariah | Sumber: Google.com

Apa itu Saham Syariah?

Saham syariah adalah saham yang tidak bertentangan dengan prinsip syariah di pasar modal. Di Indonesia saham syariah ada 2 jenis, pertama saham yang memenuhi kriteria undang –undang dan yang kedua adalah saham yang sudah dicatatkan sebagai saham syariah.

Perbedaan dengan Saham Biasa?

Berdasarkan peraturan Ojk, saham syariah adalah jika

  1. Pertama, Emiten tidak melakukan kegiatan :
  • Perjudian
  • Jasa Riba
  • Jual beli resiko ketidakpastian, Cth: Asuransi
  • Memproduksi dan mendistribusikan jasa/barang haram
  1. Kedua, Emiten memenuhi rasio – rasio berikut:
  • Utang berbasis bunga < 45%
  • Total pendapatan bunga < 45%

Bagaimana Cara tahu Saham ini Syariah?

Salah satu cara tahu suatu saham syariah adalah dengan melihat indeksnya. Di Indonesia ada beberapa indeks saham syariah,. Contohnya ada Indeks Saham syariah Indonesia (ISSI), Jakarta Islamic Index (JII), Jakarta Islamic Indeks 70 (JII70), IDX-MES BUMN. Indeks ini memudahkan kalian untuk melihat saham mana saja yang syariah. Kalau masih bingung juga, kalian bisa ke syariahsaham.id untuk cek apa saham tersebut syariah.

Kenapa Harus Saham Syariah?

Kalian bisa  mulai pertimbangin saham syariah, karena ada beberapa keuntungan yang didapatkan seperti :

  1. Pertama, Mekanisme
    Saling ridha, adil ,dan tidak ada yang merasa rugi
  2. Kedua, Halal
    Untuk mendapat label halal, saham syariah di seleksi oleh OJK, DSN, dan MUI
  3. Ketiga, Sesuai ajaran Islam
    Sebagai pemeluk agama muslim yang baik, pastinya kita mengikuti ajaran agama. Salah satunya adalah tidak berinvestasi di perusahaan yang menawarkan jasa/barang haram
  4. Keempat, Terbebas dari riba
    Keuntungan saham syariah menggunakan sistem bagi hasil dan bukan hasil riba
  5. Kelima, Transparan
    Saham syariah menggunakan dengan akad yang jelas, musyawarah, dan ijarah sehingga investor tahu prosedurnya
  6. Terakhir, Menguntungkan
    Investasi di saham syariah juga mempunyai potensi untung, selain itu pastinya ada dividend membuat investor semakin yakin.

Di bulan suci Ramadhan ini, jangan hanya diri kita saja yang suci tetapi aset kita juga. Salah satu caranya adalah berinvestasi di saham syariah.
Jangan lupa like, share, and Comment yaa!!

Referensi :

https://www.idx.co.id/idx-syariah/indeks-saham-syariah/

https://www.idx.co.id/idx-syariah/produk-syariah/

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