The Risk and Reward of The Goat & Gold Investment
Goats and the Dinar is a gold or two things very closely in the economic system and Islamic law. In addition to all the prophets of herding sheep, goats and Dinar used to the standard implementation of certain laws in Sharia. For example when you go to the pilgrimage with his wife, because they do not know or can not stand so you do the relationship of husband and wife before tahallul – then you incur a fine for slaughtering goats or the first seven camels. Dinar While I have often explained as a standard nisab zakat, nisab thieves, etc. blood money.
Because the goat and the Dinar is an integral part of this end-time religious Shari'a, then surely that makes its existence is guaranteed by the Shari'a itself until the end of time. This facilitates us in choosing the field of investment or jobs, because what we do is adjust to what she wants.
Besides its use in the implementation of sharia, historically they also have a very close relationship values – that is the price of goats survive qurban standards around one Dinar for more than 1400 years. This is the rule; standards of Islamic law were valid and reliable until the end of time.
With the above facts it is not wrong if we insyallah Goat & Gold make this as our investment instruments. Which then need to realize is that in terms of investment, the goat has a very different character with a gold or Dinar. Precisely this character that makes a difference both can be synergized to complement each other.
Dinar as an investment instrument that is very safe because they never lose their value or purchasing power; appreciation in value is able to beat inflation. However, despite this appreciation Dinar value could range between 3-5 times for the deposits in the last ten years, one remains one Dinar Dinar if you have saved in no matter how long. Dinar childless and its purchasing power remains equal to one male goat.
On the other side of the goats, the default is two * three times a year. Number of children once a litter is normally two although it can be more or less. But raise goats is a risky investment. Deaths by various causes disease is the main threat, in addition to other risks such as lower levels of reproductive delays, reduced returns due to problems of feeding milk etc.
Those risks can be minimized by the existence of a competent medical team, there is a reproductive and food experts – but the risks mentioned above can not be eliminated altogether.
In the science of risk management syar'i; the risks that we must face it should not we transfer to others such as conventional insurance or other mechanisms of risk transfer – because it means this move is harmful to people / other party or the sale and purchase with gharar.
Then what's the solution?, In Islam known concept that is very beautiful please help or taawun. So to the investor or investment project Shahibul mall in goats, we introduce the concept Shahibul taawun with other malls and / or with us. This is called risk sharing, so the transfer of prohibited risk – but risk sharing is encouraged.
In aqad Mudharabah Muqayyadah that for the time being we restrict at least equal to 10 goats per participant – there are 10 participants in one of our standard goat pen contents up to 100 goats. If no taawun, 10 goats, owner of the unfortunate deaths of three goats, for example – then he shall bear his own loss of 30% of such investment. But when the death of three tails is shared with the owner of 100 goats, then this loss is on average only 3%. Converse is also true when lambing and produce milk-share results were also in the other fellow goat owners in the same cage.
By combining into a larger number of risk – insyallah be more stable and under control – this is called the law of large numbers or law of large numbers in the science of risk management.
Be aware that despite these efforts carried out, lamb fixed investment will be more risky than the Dinar – although it is also potentially goat investment gives greater rewards than the Dinar. In addition to other rewards such as the number of jobs that grow from the investment of this goat.
So how do you choose between two investment? Basic principles of investment does not put all your eggs in one cage was accepted. To prepare for the hajj, medical expenses, the cost of school children and others who are your basic needs when there is money – then hold it in Dinar sufficiently for purposes such – insyallah will be very safe and rewarding.
Purposes of the above-mentioned main character if you still have more funds – are new to investing, such as the per-goat of this. Insyallah results would be different, because there is no hope other than a higher financial results – the number of jobs created by these projects insyallah bring blessings.
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