When some time ago I was invited to give input at the meeting of BOD of his investment company nationals to Malaysia - the CEO who took me to his BOD difficulty explaining what my profession is now - on average, they know me a long time in the financial world.

So finally I introduced myself what I do now; sum I mentioned that I currently no longer in the financial world but in the real sector which I call the Goat & Gold Invesment. Add curious about them - because this is something entirely new in the investment world.

Well my explanation at the meeting of BOD 'BUMN' its neighbor country, the relevant once with interest the readers of this site that makes bludak to invest in goats than in the Dinar which is way over the years.

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. While Dinar, I have often explained as a standard nisab zakat, nisab thieves, etc. blood money.

Because the goat and Dinar are an integral part of this end-time religious Shari'a, it must make its existence is guaranteed by the Shari'a itself to 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 hand the goats, the default is two * three times a year. Number of children once a litter is normally two or even more reduced. 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 - 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 risk transfer mechanisms other - because it means that this transfer 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 of mall Shahibul taawun by other or with us. It's called risk sharing, so the transfer of prohibited risk - but risk sharing is recommended.

In aqad Mudharabah Muqayyadah that for the time being we limit the minimum equivalent to 10 goats per participant - then there was 10 participants in one of our standard goat pen contents up to 100 goats. If no taawun, owner of 10 goats 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 - insyallah risk will be more stable and controlled - this is the so-called law of large numbers or the law of large numbers in the science of risk management.

Be aware that despite the various efforts made, goats will still be more investment risky than Dinar - although it is also potentially investing goat giving 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.