Islamic Capital Maket

Assalamualaikum.. (^_^)

Today, I would like to discuss about the Islamic Capital Market. What is Islamic Capital Market? We always hear Capital Market only right?

Capital Market is long term financial assets market, which comprises all public and private instruments with maturities exceeding one year, corporate stocks and shares which have no fixed maturity and commodity forward transactions.

Islamic Capital Market is activities such as the conventional market but based on Sharia principles. 

The characteristics of Islamic ethics about the rights and responsibilities of parties involved in this promising market

• -          Freedom to contract : Mutually bless each other

                                 : There is no element of coercion

• -          Free from usury

• -          Free of gharar

• -          Free from speculation

• -          Free to do business in a fair and equitable price.

• -          The right to obtain the same information, appropriate and adequate.

• -          Priority to protect public interest.

·         Islam places great emphasis on transparency of operation, which aims to safeguard the interests of all parties involved as well as closing a loophole that could lead to conflict in the future.

That is all that I can share you today about the characteristics of Islamic capital market that we as Muslim should choose not the conventional capital that have many unclear resources to our life like usury, uncertain and many more. (^_^)

Failure in small business

Assalamualaikum

5 main mistakes in small business

Nowadays, there are a lot of mistakes that the entrepreneurs and the small business have been mistaken in business. Be careful. I will share you the mistakes that always do in business.

1.     Too confident and obsessed with an idea.

-         Don’t be too confident with an idea only. Remember, idea is money for the entrepreneur. Make more different ideas and think which idea that the best for you who are giving more benefits or gain maximum profits for you.

2.     No plan in marketing

-         With the strategic plan in marketing, we can give the highest focus to the target or consumers toward our products. There are a lot of the marketing tools that we can use without paying the fee such as online promotions and many others which is the world is very advanced nowadays.

3.     Do not recognize the customers

-         The changes of the favorite of the customers will influence towards the product, it will affect to your business, except you know the customers each others like what they wants and needs nowadays and for the future, know what they like to buy and how to help them though you do not have that products as well.

4.     Not aware with the cash flows

-         Even though you have the best products, maybe the customers would not to buy your product with the period time that you have plan. Thus, the good position of the cash flows is really important to accommodate you and the company at the period time.

5.     Not concern with the personnel

-         This is the hardest challenges to the entrepreneur to give motivation and know how to manage the workers. Without impatient, hardship and expertise, that problem will cause more worst. the moral and productivity of the workers and also the profit of the company will be destroyed immediately.

Actually, there are many of mistakes but 5 only that I can share here. Thanks for reading and visiting my blogs  (^_^)

may Allah bless you.

Benefits of share investment

بسم الله الرحمن الرحيم

Assalamualaikum.

Share investment

What is the share investment? Before this I have no idea about the share investment. Zero!! But now, I want to share many kinds of the advantages and disadvantages about the direct and indirect share investment.

Firstly, I will explain about Direct and Indirect Investment into Bursa Malaysia, as well as whether the disadvantages and advantages in Malaysia.

Actually, for most of us have the capital but did not have the time, experience or knowledge stock investment, it is better to leave it to the investment fund professional consultant to handle them by putting them in unit trusts such as ASB, ASW, CIMB Wealth Advisors, the Stock Trust in Public Bank, Philips Capital, Investment MARA Unit Trust established by practically all commercial banks and more.

However, we can also go directly (direct) to the Bursa Malaysia either by using the services of Remisier or directly with online methods.

Whatever I will describe the advantages and disadvantages;

INDIRECT INVESTMENT
Investors - Unit Trust Companies via Professional Consultants - Bursa Malaysia
Investors - Fund Management Companies Fund Managers- Professional via Bursa Malaysia

Advantages
-The pool has a lot of investment capital as they collect money from many investors.
- Professional Consultant qualified and certified
- They can use a variety of investment strategies including Dollar Cost Averaging profitable in the long term.

Disadvantages
- The initial fee of up to a maximum of 5% is imposed on capital.
- Processing fees, annual fees, administrative fees and other fees that may apply. So the Fund must generate significantly higher earnings as the cost of them since the very beginning was on a high level.

DIRECT INVESTMENT

Investor - Brokers via Online Facility - Bursa Malaysia

Advantages
Brokerage is low.

Disadvantages

- Without knowledge and experience in stock investment, a very high risk of loss.
- No Remisier and dealers who can help,

It  is only suitable for use by Trader Expert and Expert Investors who have high Financial Literacy. But for most investors new and old but had no knowledge that the online share trading is not recommended at all.

Investor - Brokers via remisiers - Bursa Malaysia

Advantages
- Brokerage imposed is still low when compared with both the Professional Consultant Trust Company as we invest for Direct to the Bursa Malaysia.

- Remisier If you have a good example of Professional qualifications, once the Fund Managers, has a Financial Literacy, has extensive knowledge and experience on the stock market then it will benefit you because they can help provide a good guideline for the investment share to you. Getting good advice but at a cheaper rate than if you had used the services of a professional consultant.

Disadvantages
- It depends on your Remisier expertise. If you only knew remisier pressing the selling and buying only then do not hesitate but to return because it is definitely not worth it.

*That’s all I can share with you. I hope that you can take some benefits from this writing. Thanks for reading and visiting my blog (^_^).