OUTLET DINAR

C.L.O.S.E.D

2010-12-24T10:07:00.000+07:00

because there is less liked by posting my posts so far so I just decided to closed this blog

Should Dinar Coins Represent?

2010-12-24T07:28:00.000+07:00

Of the many sources that I'm trying to dig, the only strong arguments that regulates the Dinar is a set of weight - that is if the same interchangeable type (gold with gold) should be the same weight.

It is the Hadith of Muslim history, Abu Daud, Tirmidhi, Nasa'i, and Ibn Majah, with textMuslims from 'Ubadah bin Saamit, the Prophet of Allah said: "(Sell) gold with gold,silver by silver, wheat by wheat, poem with poetry, dates with dates, and salt with a salt(as the terms must be) equal in number and kind and in cash. If the type is different, sellall you want if made in cash. "

From the previous article we know that the new Islamic world to print and use its own Dinar around years 75 H-76 H. You can imagine how difficult it was to print dinars well, see the Islamic Dinar early-start printing like the picture above. When viewed in shape, not to say the standard is not it?.

Furthermore, during the Prophet Muhammad lived, Islamic Dinar has not scored her own. Approximately Dinar used Roman period can be seen in the figure below, this is the Dinar which most likely also used in trade in the Islamic world at that time. So once again, the form or the writings of the dinar it seems it is not specifically stipulated in Islam.

By setting the special dinar in weight and does not regulate rust or form, actually contain a lot of convenience and flexibility for Muslims until the end of time to be able to continue using the Islamic gold dinar as a fair balance in muamalah the most practical manner in accordance with his time.

Imagine if such are required to be in the form of coins, then how we can make the purchase of goods worth 0.8501 Dinar for example?. Also if we fund the purchase of A 380 Jumbo jets worth 2.5 million dinars?. The first problem in the printing of dinars into small fragments, which lack both impractical scored 10.6 tons of gold into coins Dinar.

In contrast with the focus just set the weight of that 1 is 1 mithqal gold dinar which is equivalent to 4.25 grams of gold, then the use of the Dinar can be very flexible in modern times though. The first transaction in the example above 0.8501 dinars and the second transaction of 2.5 million dinars both can be managed efficiently with the technology of e-dinar, m-dinar, e-gold, GoldMoney and others.

In every system transaction-based gold dinar or technology mentioned above, the stock Dinar not necessarily in the form of coins are printed Dinar - but gold bullion stocks that have the same weight. Although physical demand remains possible coin.

Dr. Wahbah Al-Zuhayli in his book that many economists to be a reference Sharia Al-Fiqh Al-Islami Wa Adillatuh, describes the necessity of heavy equality and freedom of this printed form as follows:

"If the money exchanged for the same kinds of money (eg gold with gold), then both should have equal weight, even if both have different qualities (levels) and quality prints. This follows the above hadith 'Gold with gold in the same amount ...'. So the amount of gold (measured by weight) is the only consideration ... ". (Vol I. Chapter 8 p. 282)

The interpretation of the above will facilitate the application of the dinar in our daily life to come. Although we will always try to score as many Dinar coins with our partners Precious Metals, if people's needs exceed the ability of Precious Metals print it - then the dinar accounts backed-up 100% by gold bullion as the example mentioned above also can be a solution.

What if the account owner wants his physical Dinar?; Course manager must give a physical account - if only because of physical coins can not be printed because of the limited ability of printing coins (in Indonesia only Precious Metals), then based on the interpretation of hadith by Dr. Wahbah Zuhayli can also be given the gold dinar as heavy as those who want to take his physical.

How to measure?, If you can not obtain the same level of fit (22 carat) levels can be exceeded (24 carat - gold bullion because usually 24 carat) so no harm is entitled to receive. Recipients should not be given less weight of gold which, although more levels. Wa Allahu A'lam.

As Age Reach 40 Years

2010-12-24T05:09:00.000+07:00

"My Lord, pointing at me to be grateful for favors thou hast thou given me and to my father and mother so that I can do good works that get the pleasure of His goodness to me to give (give kindness) to the child's granddaughter. Verily I repent to You and truly I am of those who surrender themselves. " (QS: 46: 15)

With the very serious financial crisis in the world today, it should be all business introspection - including us - to what we have done so far. Introspection is also done by even the most prestigious business schools in America that is Harvard Business School (HBS). Publication their famous Harvard Business Review (HBR)-also facilitate the long debate about whether they have failed to educate its students so that this crisis happen?, Then how should they educate students in the future? ff.

Because embarrassed by their failure in a glamorous industry and markets such as U.S. auto industry and Wall Street capital markets, they are now beginning to learn from these markets during the market called Base of the Pyramid (BOP). Namely the market in countries where the population majority of the poorest such as India and some African countries. The researchers from leading business schools began searching for the values of what they can learn from these poor countries to instructional materials on students in the future.

One of their findings, published in HBR this month's edition is a way of looking at success not only assessed the economic glasses. In addition to economic criteria, they are now beginning to look at other important criteria such as growth ability and the relationship between its people.

If only HBS willing to learn from Islam, they will be able to easily and more accurate in assessing the success of individuals or corporations. In Islam there is the concept of extraordinary blessings, to the extent that the petition was blessed in so many prayers from the prayer we begin to eat, pray ask for sustenance, the prayer for the newlyweds, prayer etc. marital relationship.

Although these blessings are intangible, does not mean that its presence can not be felt. It's like the wind, though we can not see but can easily feel the presence, or even measure the speed, direction etc..

Baraka is also so, because for a Muslim primary successful achievement of his life is to achieve God's blessing alone - hence the presence of things that reflect God's blessing is what can we make referrals baraka sustenance least we (in the broad sense can be treasures, kids, science etc.) .

When the provision that delegated to us (no matter how many), it increases the sustenance of worship and 'good deeds we are - then God willing fortune brings blessings to us. Conversely, if fortune is our neglect of worship and does not encourage 'pious charity - it's likely that it is not blessed fortune.

Thus the complete tutorial on this religion, so pray for easy good deeds of Him who can pleasure themselves were taught by Him in verse which I quoted at the beginning of this paper. How unfortunately God in His servants, so the way to ask Him had made his editorial staff and also we are told when to begin to diligently read the prayer.

Benediction of God is taught us to often we read after we reach the age of 40. God loved us so it does not want His servants to do that in vain after he was past 40 years.With this guidance, then any activities that we do after we reach 40 years of age the size of success is whether we do this can be the good deeds that got him pleasure or not.

The husband and wife of my friend who was a pious remarkable when you receive a very prestigious job offers in the neighboring country, they accept the job but the contract would not be too long before wanting to measure the blessings of their new job is. How do they measure the blessings of his work?, Simple he said. If the new job they could continue his evening prayer on a regular basis or even increase, God willing baraka job - then the work will be continued. If not, most likely the work is not blessed - it must be abandoned.

God willing the new jobs these couples really blessed, the presence of 'wind' it so real with various good deeds that the remarkable increase not only felt by the individual but also felt by his relatives and his friends. Wa Allahu A'lam.

Loans Without Charges: For Whom?

2010-12-23T09:24:00.003+07:00

From Anas that the Prophet Muhammad said: "On the night of my Ascension to Heaven, I saw the writing on the door of heaven, which reads: 'any charity be rewarded ten-fold, each loan was given eighteen-fold reward,' then I ask: ' O Gabriel, why the loan be rewarded more than charity? ', Gabriel replied:' Because someone could get the dole when he did not need it, while someone who borrow borrow only because they were really needed it '". (Narrated by Ibn Majjah and Bayhaqi).

Similar to when the front desk product launch M-Dinar Dinar so many readers who responded in a short time, the new product front Dinar result of a collaboration between the BMT Daarul Muttaqiin that we could not even give it a name that still use the generic name Loans Without Charges - also get a response enthusiastic than a lot of visitors GeraiDinar.

Because in addition to the support, the response of visitors is also more of a question - so in this paper I will try to explain more about this product.

When we initiated the establishment of a BMT which we named Daarul Muttaqiin BMT, the basic idea was to give solution to one of the fundamental problems of race that is not enough availability of the Islamic way out, free of usury, etc. free loan sharks. when people are faced with an urgent need for funds.

Then we present BMT Daarul Muttaqiin which is expected to really balance between function Baitul Maal (Social) and the function Baitut Tamwil (Commercial). Loans Without Charges are one product of the activity of Baitul Maal - which indeed we do not seek to profit from this product.

The first question is why still use the warranty if you do not seek profit from this product?.

1) guarantee or collateral is unlawful in syar'i as the verse "And if you're on the way are you not getting a clerk then let mortgage held there goods ...". (Surah 2: 283).
Paragraph is also consistent with some of the saheeh hadeeth include "Verily the Prophet Muhammad never buy food with debt from a Jew, and a Prophet mortgaged his armor to him." (Narrated by Bukhari and Muslim).
Based on the above verses and hadith is the fatwas DSN - MUI also allows the guarantee is good on the loan agreement (Al-Qard) or contract liens (Rahn).
2) With the guarantee as good as or even better then cash the gold dinar in sufficient amounts, the risk of unpaid accounts receivable to be very, very small. Funds available for Loans Without Charges will be able to survive or even grow in a sustainable.

The second question is the existence of this guarantee means that people who so desperately need but do not have a dinar for collateral - could not obtain loans from BMT Daarul Muttaqiin?.

We have own solutions to this is by Kafalah. For those who need a loan but does not have its own dinars to find someone else who has the dinar and would be Kafiil or guarantor on loans submitted to us.

Terms of Kafiil are people who really know the prospective borrower that he was willing to risk - if the borrower fails to pay its debts, owned Kafiil Dinar these dependents.

If the need does not have a dinar and can not get someone who is willing to become his Kafiil, then what's the solution?. We must honestly say that this is still beyond our ability to help him.

But we have a suggestion for this, that is relevant to congregational life - to know and hang out with as much as possible the pious brethren around him through the routine prayers at mosques, one of them - then God willing at the time there is a problem there will always be a way out.

The third question is then how BMT Daarul Muttaqiin will grow and develop, if he did not get anything from products Loans Without this expense?.

Loans Without Charges only one product Baitul Maal - BMT Daarul Muttaqiin; of course we also have many other products for commercial purposes such as contract agreement Mudharabah, Mudharabah and various other products Baitut Tamwil. Of commercial products is God willing this will grow TMB.

Indeed we expect the model Loans Without this expense can walk and be one solution to the problems of the people, of course we also want to get a reward from Allah alone as promised in the hadith, which I quoted at the beginning of this paper.Amen.

Swine Flu and Currency ....

2010-12-23T07:54:00.000+07:00

Financial crisis has not ended, the world has been shocked by the potential of the next crisis is a crisis flu. According to World Bank estimates that CNBC aired last night, when the crisis became a global pandemic - the impact of the resulting economic losses could reach U.S. $ 3 trillion or so to cut the GDP of the countries in the world up to 5%.

At the moment the only bird flu outbreak in Southeast Asia alone in 2003, the countries of the region's GDP declined 0.6% on average.

At the beginning of this flu crisis which has affected include:

· Six countries have banned imports of meat from most of any U.S. state.
· Hotels and Airlines suddenly experienced a very sharp decline in sales because people became afraid to travel. The decrease in sales was directly in response also to the decline in their shares in the stock market.
• In Mexico City the local government has closed all schools until May 6, Upcoming; some business activities have also begun to shut down
· So far the only drug companies like Roche and GlaxoSmithKline are each producing Tamiflu and Relenza - two drugs are believed to still be effective against flu - are soaring auto sales and its stock price.

If the crisis continues it will be much wider social and economic activities disrupted, and if the economy disrupted then the currency will also be disrupted. Countries that are considered safe from this flu will be the stronger currency and vice versa countries that are considered unsafe or unable to cope with flu will weaken its currency.

For U.S. $ currency while still strong at the beginning of this flu crisis as world economic players still have the perception that the U.S. $ is more able to cope with this crisis than its neighbors, like Mexico whose victims has reached 149 people.

But if this crisis could not be solved by the United States, for example by the fall of some of the victims died because of positive flu - the belief the market will collapse along with the casualties. This which will disrupt the U.S. $ currency strength.

Unlike fiat money whose strength depends on the (perception) of a country's economic strength, money or gold dinar strength lies in the purchasing power of the object itself.

So God willing or gold dinar will not be exposed to neutral or negative impact of swine flu broke down this. Wa Allahu A'lam.

Gold purchases by China Stealth

2010-12-22T07:53:00.000+07:00

Throughout the world gold price pushed up by this week reveal the news that China was secretly gradually increase its gold reserves. It is estimated that China currently has approximately 1054 tonnes of gold reserves, or increased about 90 tons per year in recent years.

China is attractive purchase of two sides of the amount and when the purchase is made. Total gold reserves accretion in the range of 90 tons per year is a significant amount compared to all of our gold reserves such that only in the range of 74 tons, even the gold reserves of Saudi Arabia alone is estimated at only around 135 tonnes.

Both in terms of time of purchase, the Chinese seem to know exactly when to buy.They buy gold at gold prices lower as the season had lasted nearly a month last `.China is also very careful in implementing plans to increase gold reserves, it appears from the relevant official silence on the country and also from the gradual purchase patterns.

In spite of its huge foreign exchange reserves and is able to increase its gold reserves as well as in larger quantities, China did not do so because if this is going to shake up the gold price and U.S. dollar will fall. China concerned to 'join maintain' the U.S. Dollar in order to remain a high exchange rate, because of China's lucrative trade with the United States.

So what does this gold purchases by China for gold investment / Dinar?. First China will not be a State that shook the gold price to new high value - because it is contrary to the interests of their trade.

Both the pattern of China's purchases of gold by gradually at low prices, gold prices also will 'wake up' - because it seems there will be 'standby buyer' for the gold of the world namely China.

Gold reserves which spread to a number of countries will be equally good for the stability of world economy because it reduces the dominance of one State against another State - at least from an economic standpoint. Wa Allahu A'lam.

Masterpiece From the Collection of Used Goods

2010-12-22T07:30:00.000+07:00

Thirteen years ago I get a mandate to run an old public company that was born in the early days of independence of this country. As with other old company, the company is filled by people who have decades of work in the company.

Plus they are the ones who are very loyal to the company and has been credited with keeping the company's presence through the various upheavals that occurred in this country. While the negative because the majority ahead of retirement, it is difficult to motivate them to compete with younger children who gradually fill various positions in the company.

One time during a visit to a branch in Bandung, I see the artwork in the form of miniature motorcycles made from various kinds of used goods. Starting from the former engine watch, a former bath hose, a former air rifle and various other marks.

Through creative hands, all second-hand goods is placed in the right place - assembled in an exclusive design of large motors. The result?, It was amazing - does not appear that the masterpiece is made from used goods. What appeared was a large lovely miniature motor.

Masterpiece of used goods is what ultimately I use to visualize how important the role of everyone in the company.

To a messenger for example, I tell you what will become of these motors when the wind ammunition - which represents the exhaust - I put the cross on the seat?; Then people will not see it like a big bike - people will see the form of cassava waste in it.Likewise the role of a messenger, any promised management for clients such as on-time service etc., when the messenger who is charged to deliver the document (which was promised on time is) negligent - then people will only see the company as a company that can not keep their promises.

So in the eyes of the client, the role of messenger is as important as my own role in the company director at that time - in what kind of image the company where we work with them. The role played by the right and truly by each individual is what will produce a masterpiece, if there is even one individual who played a casual role - it is not the masterpiece that is formed - but a pile of garbage.

This concrete example: in a recent road trip is along the coast - I was stuck in traffic for 6 hours more to reach a city in West Java, which usually can be taken 4 hours - then I need 10 hours!.

Similarly, all those who pass road; among them there are public transport will automatically lose because of this congestion, the trucks carrying logistics, business people who wasted his time in vain - and various other losses are incalculable - but this Lebaran season, which is not usually jammed.

What causes such huge losses? the cause is because there is a role that does not play well by those responsible for road improvement projects in the city. To manage the road improvements without causing severe congestion that do not require intelligence of a rocket scientist, meaning that the average project manager should be able to manage the highway improvement project with minimal disruption.

Because failure is the project manager - road congestion in the eyes of the victims - the government that failed. The failed government concerning the Regent / Mayor, Governor to the President. If among the victims of this congestion include also the prospective investors - then surely they will think a thousand times to invest funds into the region / country because of how hard the economic costs of its infrastructure is chaotic.

So to make this country masterpiece, was not just a good president; good governor or mayor is good, but it is all officials involved in public service or handle work in the interests of the public must play their respective roles well and truly . Without this comprehensive success, which appears in the eyes of the client (can be people, investors etc) is just the junk pile as examples of miniature motors I mentioned above.

Wisdom Of Crisis ...

2010-12-21T05:57:00.000+07:00

"It's amazing the affairs of the believers, in fact all good business for him. It will not be owned by anyone, except to the believer. When he obtained a joy, he was grateful and that is good for him. But when he hit the suffering, he was patient and it is also good for him ". (Narrated by Muslim).

The above hadith is wonderful entertainment for us who want to improve our faith from time to time, even when he saw a huge crisis on a global scale though - we still can 'enjoy' the crisis by taking a different lesson.

Here are some points that I try to collect about the 'pleasures' that arise from this crisis:

1) We get the real lessons that usury institutions - no matter how desirable even if it can be destroyed like the promise of Allah (Sura 2:275-279).

2) The financial crisis hitting the banking, insurance, capital markets and other financial sector has been encouraging people to understand the importance of the real sector.

3) The crisis has destroyed the pride that glorifies capitalism capital, systems and human-made law. The law is God who will ultimately prevail, rather than man-made law of toghut.

4) In a crisis of disobedience was reduced; rah-rah party at the hotel, nightclub etc. all over the world to be empty of visitors.

5) The prices of many human needs are being slammed. What products are currently available globally in the price discount. Is this not good for the majority of us?.

6) usury authorities (hopefully) become aware that they can no longer toying with the value of public money by controlling interest rates (usury). The game turned out rate can not free us from the crisis.

7) During the crisis, people eat less excessive in expensive restaurants, in addition to reducing waste - it also tends to make life more healthy.

8) Because of the global crisis, the crisis stems from property (housing) and financial industries, has started growing phenomenon around the world people look green investment, eco-farming etc. that will lead towards a greener earth.

9) People will begin to intelligently critical of government decisions which will bring good, and which bring disaster. This will improve the control of the decision makers.

10) Without knowing the world community now know who the black sheep of all this misery, if the American government so long under George Bush, in Britain's Gordon Brown, in another country of your own that go ...

11) During the crisis of declining energy use; hopefully our grandchildren still get its share of energy is enough ...

12) People are aware of the need for a fairer world trade, it turns out people can not be too stingy nor too extravagant ...

Especially in terms of introduction and dissemination of Dinar, Alhamdulillah with the crisis, people become aware of how true that is more equitable currency and inflation-free proven more than 1400 years, Alhamdulillah ....

The Big Switch…

2010-12-21T04:49:00.000+07:00

In the 19th century American industrial legend, known the name of Henry Burden whose work, among others, can you see in the photo beside. Henry Burden need to create hydroelectric power with 60 ft high Ferris wheel to its horse shoe factory that produces an average of one per second horseshoe!. In those days people still travel on a horse, horse shoe so very much needed.

But not a horse shoe factory this incredible source of inspiration, but is a source of energy that must be provided by the horse shoe factory itself can be a lesson for us who live now.

At that time, each plant must have its own energy source because each plant - said to have the specification requirements of different energy. Can we imagine how inefficient that time because every entrepreneur who will make the factory, meaning he also must take pains to build energy plant.

Inefficiencies also occur when there is excess power from a single plant, can not be used for other factories because again that he is different specifications.

Inefficiency problem of new energy sources are resolved the next century when it starts popping up utility company (if in Indonesia PLN), which is a big energy companies - which can be supplying the energy needs of various industries and households as well.

With the utility company, factory owners just need to focus to make the factories that produce its core product - after the factory so stay connected to PLN - the plant is ready to operate. Energy inefficiency can also be overcome by the power that is not used by a customer, can automatically be used by other customers.

Development of information technology by companies until now still like the energy factory making Henry Burden era mentioned above. Every large company (and even the middle, sometimes even small ones) must make its own its IT systems. Any company purchasing its own hardware, the software itself, have their own IT team and so on. Excess resources in one company, can not be allocated to others - the reason being that their needs are different - exactly the reason the era of horse shoe factory above the 19th century.

It even happens in similar company whose owner the same. Government for example has 100% or majority stake in a number of government banks, insurance companies, two telecommunications companies, a number of plantations, a number of transport companies etc.. Every company that until now the government is still building its IT systems on their own. The reason again is that every company has different IT needs with one another.

It could be the reason this is true, we live in an era when horse shoe above may we also do not imagine there will be a kind of utility company PLN. But you can imagine in this era what his inefficiency if the factories had to build its power plant on its own.Similarly, in terms of IT systems, current utility IT Company has not yet emerged, so the companies that in fact his boss had both the government and the edges are the Indonesian people - yes we are-we are! - Should build its IT systems on their own.How much waste to buy the hardware & software, etc. to pay for IT professionals.

Could the concept of building their own IT systems by each company is left? replaced with a system that can be used by anyone - just plug n play to the IT utility company - the company directly to the street?.

Very likely!, Even these people have been started. There are at least three world-class companies who are ready to 'rent' his system for any company. Even for a new business model that does not exist though. You who are interested can visit the site of SAP, Oracle or Salesforce.com ; learned their capability in providing so-called CRM on demand, you will be able to learn just how easy and efficient 'renting' this system rather than build its own.

In a small scale, GeraiDinar only need 4 days for customizing CRM on demand offered by one company to be able to operate efficiently since the age of first.

For those who want to plunge into new ventures, do not be too worried about these IT issues even if you are not a champion of IT - it is possible for your IT needs - you can rent only; in a matter of business days you can walk already with sophisticated IT systems.

With this concept also InsyaAllah Dinar will spread more rapidly in the coming months through a partnership a few BMT already initiated several months ago. Some old and new BMT who want to disseminate Dinar Dinar or open a savings account does not have to cape-cape makes its own system. Stay plug n play computer into Outlet Dinar system, then the system-based savings Dinar, Dinar asset control etc directly ready road. Hopefully.

U.S. Dollar Paradox and the Price of Gold

2010-12-20T07:47:00.000+07:00

Because the U.S. $ more powerful, then the gold price in U.S. $ is low. When this occurs simultaneously with the strengthening of the rupiah - the decline in gold prices and also the dinar becomes significant as was the case throughout the week.

The question that often came to me is, why the U.S. $ is still strong even though the global financial crisis actually stems from the country?.

The answer is rather long, but it is true that the U.S. $ shows the numbers that tend to strengthen during this crisis. Note the chart above U.S. $ Index that I get the data since September 2007 - when the first signs of crisis began to read.

Since the beginning of the crisis end of September 2007 till now the world's central banks have made the bailout, or at least provide a guarantee amounting to approximately U.S. $ 20 trillion. But during this period to U.S. $ Index actually rose from 78 in the range of numbers beginning of the crisis to around number 86 now.

This is what I call a U.S. $ Paradox; the strengthening exchange rate of U.S. $, this time not caused by an improved economy in the country. But even by the opposite reason, namely the process of ongoing economic decay. To explain this, consider the illustration beside.

When banking institutions, insurance etc.. experiencing a very big problem and threatened bankruptcy; the country's central bank made the bailout of these institutions with public money. Toxic assets from institutions that are threatened with bankruptcy, exchanged with public money.

But public money is embedded into the troubled institutions is also not sufficient to make them speedy recovery, however much money buried in the bailout program should be saved if the situation continues to deteriorate - the kind of fund is like giving salt in the ocean - no impact on subsequent economic activity .

Banks still not been able to extend credit, liquidity remains difficult - U.S. $ remains scarce. This is what causes the high U.S. $ value - because of rare amid the current crisis.

U.S. $ is more valuable then this also makes the world gold prices seem relatively low - when purchased with U.S. $ currency.

So how long does it last?. There are two possibilities for this: first when trying to rescue these institutions is really safe, then the bailout money that has been embedded into the institution will burst out in the form of lending, etc. which suddenly enlarged. The impact is high liquidity will far exceed the liquidity before the crisis, high inflation will arise during this period.

The second possibility is if the bailout fails, then the U.S. bond buyers will realize that they are buying is a bond on toxic assets from institutions that will not recover from his illness. By the time they stop buying American bonds, then that's when the U.S. $ will fall in price and can cause very high inflation or hyper inflation.

So the paradox situation faced by the U.S. $ right now - will not take place continuously. Immediately after the bailout succeed or otherwise immediately after the investor community of the world realize that the bailout failed - then the paradox of this situation will end. That's when world gold prices will soar high in U.S. $ - for U.S. $ his fall.

When is this going to happen? Wa Allahu A'lam. Only Allah is omniscient, but the certainty of the destruction of Riba-based economy such as the American economy with the U.S. $ it is indeed been preached to us through the Al- Qur'anul Karim in surah Al-Baqarah 276-279.

Rainy Season One

2010-12-19T14:55:00.000+07:00

When I was little, the farmers in my village can begin to predict when the rainy season and when to end with a relatively accurate. With rainfall pattern that is easy on this prediction, the farmers can optimize cropping fields.

Now the predictions when it began to rain and when the end became too difficult for even professionals, often rain fell in the wrong season. Should have been dry, the rain still fell heavily. Instead ensued - should the rainy season, but rain does not fall down.

Many factors cause this to happen, the destruction of nature that disrupt the cycle of changes in water, air pollution to global warming among the scapegoats. What is clear is the damage this season we can not blame to anyone, other than to our own selves (human) inhabitants of this planet as the following verse:

"... .. And when they are overwritten something unfortunate (danger) due to errors that have been done by their own hand, suddenly they were in despair. "(Surah 30: 36)

"And what calamities that befall you it is caused by the act of your own hands, and God forgive most (from your mistakes)." (Surah 42: 30)

The difficulty to predict this season also happened to predictions of commodity prices, stock prices and gold price fluctuations as well. In my article about the Season to Buy Gold Dinar do I describe the seasonal pattern for the world gold price, is based on the basic theory that the prices established by supply and demand mechanism.

What is happening in the market is supply and demand mechanism remains a role to form the price, but the factors driving supply and demand driving his now sometimes become too complex. No longer confined to economic factors, but it comes to political issues and security that are both local and global.

So even though now until September is supposed to be the dry season, which coincides with spring and summer in the northern hemisphere - are also supposed to coincide with the low gold price on the basis of the theory in my article mentioned above; still not closed the possibility of 'heavy rain' sudden suddenly appeared.

'Clouds' that could lead to 'rain' began to form everywhere. 'Clouds' which would could lead to 'rain of the season' on the world gold price - among others is the potential bankruptcy of giant U.S. companies, a recurrence of the current banking crisis does not recover until the failure of therapy a la crisis Obamanomics. All these factors could push the gold price in U.S. $ rose in the wrong season.

Since we are in Indonesia to buy gold / silver coins with the money amount, then the 'cloud' that can cause the rupiah fell sharply - at the exchange rate should be higher - among others, that the election process which seems to begin to accumulate criticism and protests. When the protests continued and a 'cloud' giants - the amount would be disrupted.

Nothing wrong with season although we are willing umbrella should be 'dry', 'heavy rain' could have appeared suddenly caused by a 'cloud' that global and local nature of the above. Wa Allahu A'lam.

Lipstick & Aspirin Indicators For The World Gold Prices ...

2010-12-19T13:44:00.000+07:00

Although I like my job it is to write technical things and serious supported statistical data are reliable etc.., Sometimes bored and tired as well. So this time I wanted to write that only light, but still no logical justification.

Economic indicators and good or bad it turns out not to be excavated from the statistical data for the primary needs such as energy and food, but also the need for tertiary goods such as lipstick and aspirin.

At the height of the crisis late last year in America, it turns out according to the New York Times there are businesses outstanding performance. Among them is a business whose sales rose lipstick to 40% in November and December of 2008. This is also corroborated by Leonard Lauder is chairman of Estee Lauder, that the economic crisis after the events of WTC 9 / 11 2001 - even lipstick sales soared.

Why what is the link between sales of lipstick and the economic crisis?, Apparently in the country where people love to look glamorous is - even in times of crisis-they still want to look fancy!. Yet they continue to thin out the bag, then objects that can be used to perform well which is still covered by their pockets? yes it was lipstick. With these lipsticks that cost from a few dollars, the country's women can still look lit up in a literal sense.

Other tertiary needs also jumped sharply is aspirin. Based on data from Wyeth is one of the producers famous headache remedy, aspirin sales in the U.S. increased 8% in the last quarter of 2008. Apparently sales of aspirin is the opposite direction to the country's stock price index. When stock prices fall, sales rise aspirin and vice versa.

So how does that relate to the world gold price?. When sales of lipstick soar, people amuse themselves they again suffered from the crisis. If you are no longer console ourselves with the lipstick, aspirin became the answer to suffering dizzy in his head.At that time a lot of people who fled to gold as a safe haven - an escape from their anxiety on other investments. Gold prices tend to rise at that time, see my analysis of other more serious than this slightly joking!.

From the data that seem trivial to the above, we actually can learn something of the importance of data. If the data is available, then the big problems can be detected and prevented, otherwise if the data are not available or available but not accurate, then big problems can arise from this data. Wa Allahu A'lam

Countries Which Robbed own people

2010-12-18T13:52:00.002+07:00

For film fans will recall the James Bond films in the 60's which until now still can be obtained on CD or DVD that is Goldfinger. In the film depicted how the character's evil - Goldfinger - designing a gigantic robbery by not moving at all be robbed of his goods.

Goldfinger is conducted nuclear weapon detonated in a central store of American gold reserves of Fort Knox. With this explosion of American gold reserves will be contaminated with radio active so it can not be touched in decades.

As a result, the world gold market will be very significant loss of stock and the price will go up at least 10 time. Goldfinger that before the robbery had been deposited gold worth 20 million pound sterling, would easily earn a profit of 180 million pound sterling or U.S. $ 504 million in the 1964 exchange rate of 1 pound sterling = U.S. $ 2.8.

Ian Fleming sophisticated robbery fantasy has now got his competitors. This time not even a fantasy but real actually done by the countries of the modern world. His name can be a variety such as TARP (Troubled Asset Relief Program), the bailout, etc. quantitative easing.

As an illustration, the U.S. currently has gold reserves of about 8.100 tons or 261 million troy oz. With the world gold price range of U.S. $ 900/troy oz gold reserves alone are 'only worth "U.S. $ 235 billion.

On TARP stage 1 only the U.S. government has poured U.S. $ 700 billion or nearly three times the value of all gold reserves at their disposal. Total direct and indirect effects of the TARP program in the country is expected to reach U.S. $ 13 trillion, which would be equivalent to 55 times the value of tangible wealth in the form of gold owned by the country.

Compared with TARP-style robbery of State property; robbery Goldfinger-style fantasy of the above just like robbing pocket money - is not no equal.

But the TARP is not an attempt to rescue the U.S. Economy?, Well if it works and there is no abuse in their implementation. But the indications towards economic failure or even a crime-even already started sticking.

Paul Krugman is a Nobel economics prize winner in 2008 who had openly disagreed with White House economic team, that the financial system by Obama desperately to be saved just like a dead man walking - will not be able to live (normal) again.

About TARP potentially indicative of economic crimes also revealed no half-hearted, Neil Barofsky - Special Inspector General of TARP Programs that have been testified in the Senate Finance Committee late last month that the potential fraud related to the TARP program could be worth hundreds of billions of dollars.

That is money that is equivalent to 55 times the U.S. gold reserves will only nguyahi Segoro (give the salt in the ocean) - lost no spotting. While the impact on the decline in value of U.S. currency will be long term - like a nuclear bomb in the above robbery Goldfinger.

Unfortunately is what the American government has become a model or a teacher for other countries. If in America there TARP, in Indonesia there FSSN (Financial Sector Safety Net), in other countries have other names etc..

For representatives of the people who are still serving and the newly elected me as the people you represent entrust to you to supervise closely government programs such as FSSN or the like.

Do not let the American-style economic rescue program like this even be legal justification for the robbery of wealth nations, we do not want BLBI recurring event by another name. Should a dive steam in the unlucky volunteer? We remember the time before there are elementary school teachers saying .... Standing, Student ... .. Running. Allah knows best.

If You Want to Change the World

2010-12-17T07:50:00.000+07:00

"When I was young, I want to change the whole world. Then I realize, how difficult to change the whole world, then I decided to change only my country.

When I realized that I could not change my country, I began trying to change my community. When I get older, I realize is not easy to change my community, so I started trying to change my family. Then I will realize I'm getting old, I also can not change my family.

When my time was running out, I was only sorry that I can change is myself. If only I could transform myself from before, and I certainly could change my family and my community. In the end I'll change my country and after that I could change the whole world. "

For those who are not elected, do not be sad, do not be upset. Come back with us examine the common people. As ordinary people we can still change the world, do not believe? There is a wonderful lesson from the great scholars of this century Imam Ash-Shaheed Hassan Al-Banna for those who want to change the world.

The world can not be changed with the theory and also the promise, the world can only be changed with a real charity. Charity could not just any charity, but charity is qualified, sincere and performed in the correct order. Here is the order of charity for those who want to change the world.

1) Improve yourself first: the target is to make yourself physically strong, sturdy morality, broad knowledge, capable of autonomously with its own income, congratulations aqeedah (not shirk a bit), right in prayer, always improve themselves, able to manage time, neat in all its affairs and able to give benefit to others.
2) Make your family's Muslim family: educating and guiding children with the basics of Islam, keep the ethics of Islam in every activity.
3) Inviting people to Islam: spread the call for the good, forbidding the, soon to virtue, coloring people's lives with Islam.
4) Homeland emancipate: liberate themselves and the country from all forms of colonialism that are both political, economic and colonial thinking.
5) fix the administration: bringing towards the Islamic government, leaders are servants of the people, guarantee the implementation of the things that were ordered / required in Islam and prohibits the things that are forbidden in Islam.
6) Restoring the Caliphate: restore the existence of the Islamic caliphate that has been lost for many decades, liberate Muslim lands are still occupied and bring glory.
7) international pioneering (ustadziyatul 'nature): Only then did you-you are with us all Muslims can change the world God willing, liberate the world from all the slander, and we are only subject solely to God.

From the above sequence, we can see that the new government to fix we can do in order to 5 after our success in four previous sequence.

We most could only dream to improve society, the country / government let alone the world if to improve ourselves and our families just can not.
Let us now start from square-one, we start from the first order first, then second, third, and he continued to ask Him for our intention to improve the charity until the order to 7 He revealed ... at some point, either in our generation or the children and grandchildren that we clearly has started from the step in the right ... 1, 2, 3 .... Amen.

Between The Control And Prosperous Winfaqorld

2010-12-15T16:59:00.000+07:00

".... He has created you from earth (ground) and make you caliphate, so ask His forgiveness, then repent to Him. Verily my Lord is very near (His mercy) again allow (the prayer of His servant). "(Sura 11:61)

Lots of readers who are interested to be involved in the movement of my Green This Earth. We are sorry if seem slow, but such projects are indeed very many details that we need to prepare - all insha allah continue walking, progress to this project will continue our regularly communicate.

In writing my last year I described above the earth's West Java (and Indonesia generally) who is fertile but arid impressed when we see through the land route along the road toll Cipularang, this can not be separated from the paradigm of control - but not prosper.

Landowners along the toll is either an individual, private or state-owned company has become the ruler or owner of these lands when they are unwilling or unable to do his prosperous. The results along the way that we see is desert.

Prosperity of the main land is planted, that's why there are some hadiths that encourage us to grow this. Among the mashur is the hadeeth: "There's nothing for a Muslim who opened the rice fields to plant crops or later there are birds, or humans or animals to eat, except for him it sodaqoh" HR. Bukhari and Muslim.

Even landowners who are unable or unwilling to prosper the land more than three years, in Islam, in fact he had not considered the owner of the land as the following hadith: "Land-old who never abandoned the land then belonged to God and His Apostle, then for you guys after this period. Any person who opened the land (soil) recently, the land belonged to him and do not have rights anymore if neglected for three years. "

So our task is not actually a ruler, a single ruler is Allah alone ": Do you not know that the kingdom of heaven and earth belongs to Allah? ... "(Sura 2:107). Our task is to be a prosperous Earth!.

Tasks to be a prosperous earth mandated to us all as the paragraph above, as long as it does not become a serious concern in this country. No large-scale competitions with billions of funds for this, not like the race to become the ruler that was held on a large scale every five years (ELECTION). Even for those who are serious about the earth by planting trees prosper as much as possible-even until now still have to fight hard to get land ready to be planted.

In our database continues to grow my interest in the Green Earth project, that is, people who want to be involved in the prosperity of the earth. The problem is fertile lands but still allowed to 'dry' as I mentioned above - are now in control by people who prefer to let the soil displaced by the affluent rather than in others.

Nevertheless we do not give up, survey after survey and negotiations continue for the sake of negotiations we are doing ... God willing we will be ready in time to his prosperous world - though without being ruler!.

Hopefully this short article to up-date to readers who ask a lot of my progress project Muzaraah Green Earth that our idea since last year. Hopefully all these good intentions made easy by Allah the Almighty. Amen.

Gold prices & Dinar: How Low Can You Go? (2)

2010-12-15T15:01:00.002+07:00

Narrated by Abu Bakr ibn Abi Maryam that he heard the Messenger of Allah SAW said, "his time will arrive on the human race, when there is nothing useful besides Dinar and Dirham." (Musnad Imam Ahmad bin Hambal).

When prices more low-low Dinar (USD 1,123,450) me to write under the title How Low Can You Go?. This morning I use the same title as well as more low prices Dinar (USD 1,436,000).

Dinar trading price in gerai dinar we serve automatically by a special formula and uses three parameters namely the movement of gold prices, physical gold price in Jakarta - especially the price of gold Precious Metals - PT. Aneka Tambang, Tbk.and of course very important is the rupiah against the dollar.

Can not we use pure international gold prices because we sell is physical gold Dinar, Dinar we sell must be really able to be obtained in Jakarta at the price we put on this website (gerai dinar). We also do not use pure precious metal gold price, because their prices seem to adjust only once or maximum twice in one day - while we know that gold prices fluctuate all the time.

Precious Metals Prices (Antam) I can not explain because this is their internal policies, while the rupiah can be discussed in other writings, so in this paper I will only focus on the behavior of gold prices - which again fall sharply since last week by a cause which I call the G-20 Effect.

At constant prices fall as happened last week, the question that always comes mainly from the investors or users relatively new dinar is - how long or how many are dinars price will come down on?.

Of course this is a question that I can not answer because the science of the future is not ours, only God Who is aware of - who knows what will happen, including the price of gold or Dinar.

All we can do is try to understand what has happened, then based on statistics that has happened is - we can make forecasts of what might happen in the future. His name is also forecast, could be true and can also be wrong.

The graph above based on the statistics I present the real dinar price we sell through gerai dinar since August 30, 2007. In the span of one and a half years, we have been through 6 times the full change of seasons, ie twice the fall, winter and twice each once spring and summer.

Currently we are in the early spring, then repeated that statistic last year and my theory about the gold price was affected by season, then the dinar price will fluctuate in a relatively low rate until the end of September.

When you follow the statistics of last year also, ie from the low prices Dinar spring and summer in about 12% below the highest price of its season - it could have in the current period until September the price of dinar down to a range of Rp 1.3 million.

Conversely, too, if we apply the high price of autumn and winter last year was at 49% above the lowest spring and summer - then at the end of this year or early next year along with the winter in the northern hemisphere - God willing Dinar price will be in the range of numbers $ 2 million.

Keep in mind that these are only statistical forecasts and only consider one factor alone that season. Though fluctuations in world gold prices can be influenced by any factors that are either fundamental or just a mere market sentiment. Similarly, with the rupiah, this year we have at least two elections that will very much affect the exchange rate until next year.

By trying to understand the pattern of what happened in the past statistics Dinar price, I highly recommend this pattern of price fluctuations become the arena of speculation.I do not recommend you to buy dinars when the purpose for the speculation.

Dinar still be worthwhile (do not lose purchasing power) when the price is low again.Dinar remains valuable even when other goods (including other investments) to lose its price as hadith which I quoted above. Allah knows best.

G-20 Effect

2010-12-14T05:58:00.001+07:00

Last three months - which coincided with spring and summer in the northern hemisphere, world gold prices will be relatively low and be a good time to invest in Dinar.

This opportunity became more open again in conjunction with a meeting of leaders of countries belonging to the G-20 in London that took place since yesterday.

G-20 meeting is as interesting as the earth's gravity objects down, then the world gold price had come down significantly because of the influence of G-20 meeting this or I will term the G-20 Effect. Two things that I think the clear relation between the G-20 is the decline in world gold prices.

First with the G-20 despite leaving a lot of homework on each member state in particular and the world at large, at least has given hope to the market that the crisis will end. Hope this is enough to move the capital markets to back passionate, almost all world stock markets experienced a significant increase in positive sentiment yesterday because of this.

Because the world's investment funds have to compete between investing in the stock market, gold etc., so with increased investment in capital markets, funds that invested in gold declined. Demand declined while gold supply is relatively not moving - so gold prices fell.

Both the direct hit gold prices yesterday was the support of G-20 on the IMF to realize its plan to sell gold that has been planned since last year amounted to 403.3 tons.Perception will be additional gold supply this much response from the market with gold selling pressure before the price dropped again.

Actually the trend in gold prices tend to be low because of the G-20 would be good if you can bring or suppress the gold price at a relatively low value as it is now quite long, so Dinar more affordable and can be more easily disseminated to the public.

The problem is the result of such meetings of the G-20 this would not necessarily bring concrete results for each country. When world leaders are behind in their respective countries, they again have to face the reality that is not easy.

G-20 star Barack Obama for example, when returned to the U.S. she would soon forget his promise to the country G-20 member countries, especially French and German demands to tighten control over the financial industry. Obama will return to its original plan to save the crisis in his country with the stimulus and the stimulus again, the bailout and the bailout again until they are no longer able to bailout any more like was aimed at by the demonstrators outside the meeting G-20 in the image above.

IMF plans gold sale to realize it could be ambiguous. Could be this for the umpteenth time just a mere issue, because it is not actually selling gold which they were going - but just only for playing his only issue - that depressed gold prices and currency values are automatically used to buy gold (mainly U.S. $) looks mighty.

Or indeed the IMF will really sell the gold, even bigger than the original plan - such as news circulated around the meeting of G-20. If this second possibility is correct, it means that this time the IMF really need money a lot. This need is likely to responding to requests for assistance from countries hit by the crisis, said the queue was so long that the IMF should sell good assets to be able to carry out its role. If this second possibility is correct, it means that this crisis could be worse than that visible on the surface.

Either way, for long-term gold investors or for the proper functioning of gold as a store of value - a decrease volatility of gold prices these days can be a good opportunity to secure assets. While the world again get wind of heaven is blown from the G-20.When the winds of heaven are gone next week or next month - the market is likely to run normally, which means that gold will tend to be expensive.

For short term investors (less than 6 months) I would recommend not to go into gold or Dinar these days (and whenever) you could be disappointed if the short-term results you expect. Allaah knows best.

Disaster That We Make Own

2010-12-14T05:14:00.000+07:00

And what calamities that befall you it is caused by the act of your own hands, and God forgive most (from your mistakes.) Sura 42:30

Today the world leaders of the G-20 is scheduled to meet in London to seek solutions to the global financial crisis that has been ongoing since last year.

Unlike meetings of state officials who are usually decorated with lots of smiles and laughter; this meeting seems to be quite tense because from the outset there were two opposing camps.

Party America, Britain and the countries supporting the economic stimulus was looking at the solution of this crisis. While France and Germany argued that the tightening of financial regulation should be a top priority.

Outside the forum of world leaders are to meet, since yesterday a great demonstration took place in London. More than 4,000 demonstrators who had started to lead to anarchy theme is anti-capitalism, because they think capitalism is what has caused misery to which they now suffer.

At the time the world was busy overcoming this crisis, we in Indonesia again feasted not spend a countless. After party 'democracy' is completed next week, the amount will be tens of times more disappointed than happy.

Why?, Because every seat being contested they must compete with dozens or even hundreds of other candidates. Though each candidate has drained their wealth to which they are fighting about these chairs. So fitting anticipatory steps are carried out by hospitals, mental hospitals in various regions of cleaning and preparing to flood the guest of the former candidate member of this legislature.

Two different problems, I join in one article because between them there is a red thread in common. Ie they create a disaster for yourself (or nation) they own as paragraph which I quoted at the beginning of this paper.

World leaders try to solve the economic problems faced by capitalism ribawi - when the economy was already promised ribawi its destruction by God Almighty creator of us all. (Surah 2: 276 & 279)

The candidates who really want to (keep) a Member of the Legislative by releasing all its resources, hopefully they are aware of what their duties after actually elected.

The main task of legislators is to legislate or make laws; when Muslims read the Qur'an and understand its meaning certainly know that if we arbitrate to the law than the law of God - then according to the Quran we are convicted of being infidels (Sura5: 44), dholim (Sura 5:45) and evil (Sura 5:47). If that arbitrate (which use) alone convicted like this, then what is legal for people who make the laws are outside the law of God?, Then what is legal for people who help (select) them to become law-makers in addition to the law of God?. Let this be a reflection question each of us ahead of election day next week.

My little advice might be useful for most candidates (because most of it certainly will not be selected); thank you when the later is not selected. It may be that Allah Ta'ala is dear to you so that you are saved by Him, it could be too if you selected only made calamity for yourself and your own nation. Make a mental hospital disappointed mental hospital that was ready to accept you, because you did not come, because you do not stress even grateful and happy to not be a member of the legislature.Precisely thank you on your brothers and sisters who do not choose you, because then they have participated to save you by Allah. Allaah knows best.

Lessons From the Financial Crisis

2010-12-13T14:26:00.001+07:00

Although its impact is very broad sweeping across the world, it seems very few people understand what and how of this crisis, from where he came from, what government does to deal with and so on. Because little is understood, then even fewer who could take lessons.

So that we could take a lesson, let us become a little class by trying to understand this crisis. I tried writing it with a simple form of the deliverables importance only as follows:

· This crisis originated in the United States; cause the beginning was the act of their central banks the Fed is trying to restore the economy after the events of WTC 9 / 11 with a lower interest rate continuously.
· Low interest rates triggered the families in the United avid to'gadaikan'-house, making their homes a source of money for purposes that are not too important though.
· Since the rampant demand for housing credit is, it gives birth to new opportunistic opportunistic-like Quick Loan Funding provides loans even to people who do not deserve credit, or as Ownit that provide housing loans to 100% - with no security deposit!.

· Credit or loans to people who are not supposed to receive the then-called sub-prime borrowers, is then triggered a wave of crises that are very large and broad impact.

· Dissemination of bad loans was facilitated by the pride of American capital markets - Wall Street - which make investments package 'sub-prime' became like a promising investment. Investors around the world buy these bad investments just because the view is derived from Wall Street in America - which they always imagine as a 'teacher' investment.

· This situation is exacerbated by the emergence of product-product with sophisticated names like Collateralized Debt Obligations (CDOs) that not only are not understood by the layman, but his teacher caliber Alan Greenspan's central bank - also claim to not understand this product.

· Not only individuals, or corporate investors who buy investment products are bad.Even the government institutions were bandwagon-buying.

• In Norway for example there Narvik municipal financial difficulties because of investments on Wall Street, especially on CDOs. Though their investment intentions had been to increase government revenue a mediocre city. Instead of getting extra revenue, they are financial difficulties and need to close schools and services for nursing homes.

· Since the number of bad loans, banks began affected. Trust between them decreases, inter-bank lending liquidity-reduced and eventually disappeared from the market.

· When the world's governments recognize this crisis has occurred and has dragged the joints of the economy at large, they take various emergency measures. But unfortunately the steps they took to it much that would pose a potential long-term crises - such as through the destruction of the currency through its quantitative easing them.

So what lessons from this crisis? many, including:

• Do not build a Riba-based economy; because usury was the one who encourages financial institutions to profit from the interest that must be borne by those who are not able to though.

• Do not owe except for the things that is very emergency. Owe, let alone the usury for purposes that are not forced to - would ensnare the culprit in debt bondage - we were told to hide from her morning and evening.

· For monetary authorities, do not use the instrument of interest (usury) to stimulate economic growth - would collapse (because the enemy of Allah and His Messenger - Sura 2: 275-279)

• For investors, do not invest in products that are difficult to understand. Investment is the real things that you can easily understand.

Allaah knows best.

Season Buy Gold / Dinar

2010-12-13T00:31:00.000+07:00

So many questions submitted to me especially from users who are relatively new Dinar. The question is whether now is a good time to switch my investment into the Dinar?, And many similar questions.

My answer is always my aim to read the article I mentioned above, but also intrigued me to complete the text above with data that may also be useful as an additional consideration.

This data I gathered from Kitco for gold prices over the last five years and I regrouped based on four seasons of Spring (Spring): Summer (Summer), Autumn (Fall) and Winter (Winter). The season that I use are the seasons of the northern hemisphere, because the concentration of the gold market activity is much more prevalent in the northern hemisphere than the south.

Then in order to compare consistently from different years, so I created the index at 100 for the month of June (early summer).

The results I present in the chart above; pretty impressive too. Consider the average line (average) that the golden; was indeed statistically significant price of gold dinar also tend to be low in the Spring and Summer. In contrast, the price of gold in the Autumn tends to increase and peak in Winter.

Statistics last five years in the graph shows the average world price of gold at the end of Autumn is 10% higher than the price at the beginning of the previous Summer. At the end of Winter, the average is even reached 20% above the price at the beginning of the previous Summer.

Incidentally if these numbers?; I still think nothing happened on this earth. In Winter humans have more needs at least in terms of energy needs, clothing and food.Because the gold price reflects the price of goods that people needed, then when the demand for these goods increased - prices rise, so is the price of gold.

From the statistics of 5 years we will be more easily understood if one of these days that coincided with the beginning of Spring in the northern hemisphere, world gold prices will tend to be low. Statistically, this low position will last until the end of summer is September. Then in late September until late March next year, world gold prices will tend to be high. Even so very important to understand that what happened in the market could be very different from the statistical anomalies can always occur by a variety of factors - both economic factors, political, security and various other global issues.

There should also note that the statistics that I use price is the price in U.S. Dollars; pattern gold price / dinar in amount may vary due to fluctuations in the rupiah against the dollar is difficult to predict. Allaah knows best.

Place a Safe When Disaster Happens

2010-12-12T17:20:00.000+07:00

Suppose it's not recommended in Islam, but taking lessons for any disaster that happens is a matter that has been duly carried out.

Actually just the last ten years the human race in the World (not only in Indonesia!) At least be given the same lesson at least three times in three different disaster. See the photos in addition, the top is the mosque that survived the flood Situ Gintung year ago. The middle is the mosque that survived the tsunami in Aceh 6 years ago, and the bottom is the mosque that survived the great earthquake in Turkey 11 years ago.

Coincidence then? No!, Nothing happened on this earth. "Not a disaster ever befall the earth and (nor) in yourselves but have been written in the book (Record), before We created it. Surely that is easy for Allah. "(Surah 57: 22)

Why did God save these mosques while the surrounding buildings destroyed?.Mosque in addition to the prayer is also a symbol of our obedience to fulfill his calling, with three concrete examples of the visual and perhaps God really wanted to convey the truth of the verses.

So if we could take a lesson from the mosques of Allah who saved amid the disaster-the disaster that hit, so should we too can make learning to deal with various other calamities.

To save yourself from financial calamity that now befall the world for example, we can-run refuge 'mosques' or the houses of God where God's law be obeyed, commands executed and its ban shunned.

Financial calamity the world is still far from over; this week's edition of Time magazine would report lower financial bomb threat is much greater that is ready to explode. So big bomb by Time categorized as WMD (Weapon of Mass Destruction) or Weapons of Mass Destruction.

One example of WMD are appointed time is the case of AIG. AIG is still according to Time 'only' had assets valued at U.S. $ 50 Billion. While the risk is borne from the CDS case it is now U.S. $ 40.4 billion loss, which are in the queue to collect the next appointment is U.S. $ 300 billion. That is the pride of the American giant would technically bankrupt to 6 times, except when the government made a massive bailout.

Fruit "simalakama" it is if you want to be saved, will not be easy for the U.S. government to make the bailout of AIG by the several hundred billion dollars more - while recently they annoy the whole country was in the case of-for bonus.

If not saved, the domino effect of an AIG bankruptcy really unspeakable. AIG warrant 180.000 entity with total employment 106 million in America alone. Among those who secured the tens of thousands of agricultural land, hospitals, pension funds, infrastructure, industrial property, aviation industry, petroleum industry and so on.Short said the collapse of AIG in the U.S. alone will drag economic collapse on a massive scale - so categorized Weapon of Mass Destruction by Time it.

What are the implications if the American economy collapsed by the case of AIG and the like?. As has happened a half years, the whole world will also be dragged into the same vortex of crisis - including Indonesia.

How can we survive?, Learn from disaster-disaster cases mentioned above - run into 'houses' of God. In economic applications this means is run into the economy that do not involve usury; not rely on debt. A fair economy, that feeds (create jobs) to the poor.Economics is built with mutual assistance in affection, not the economy that is built on the basis of exploitation is strong against the weak.

To survive, let us return to the 'mosque' in the broadest sense ...

Beef Trade: The Gift & The Be Disaster

2010-12-12T05:40:00.000+07:00

Material writing this time inspired by a trip to market cattle in Jonggol which is open every Thursday. Beef is one of the 'merchandise' that we see could be a potential for people not able to prosper in the coastal town where the land and raw food is still relatively available.

Cows are also our chosen because the prediction is simple and easy to control. For example, cows in the next picture in this morning at the market Jonggol priced between Rp 6 million - USD 7 million; Eight months when the cows were sold in the metropolitan qurban animal market price will be in the range of USD 12 million - USD 15 million: Cost of maintenance, transportation until the sale is estimated to cost USD $ 3 million - USD 4 million, still leaving the USD 3 million - USD 4 million or a net investment return of 50% - 57% in 8 months. Still much better than the deposit is not it?.

Another example is a cow that is in the photo below. Cows are bought from the market three months ago Jonggol also by the father of my acquaintance Haji worth USD 14 million. Eight months when the cows were sold for sacrifice - the father of Hajj, which has decades of dealing with this cow - hopes to sell USD 36 million, because of its weight when it is estimated will reach more than 1 ton. 157% gross profit after deducting the cost of feed etc. 57% - still leaves a net gain of 100%. No wonder this Hajj has above-average prosperity, because of his stable in South Jakarta number there are 40 head of cattle!.

But an enticing advantage of this blessing and God willing, not necessarily attract people to follow him. Perhaps because the cow business is viewed as a dirty business in the literal sense - yes definitely because it involves dirty cow dung every day! . Although physically dirty, but the provision resulting from a real horse-trading like this that really deserves to find.

On the other hand are now millions of people in Indonesia are more affected by the new craze - 'horse-trading' as well - but 'horse-trading' that have been given another meaning. 'Trade sapi' his wealthy people who sold cattle but can not be chair, office or the voice of the people.

Although physically clean their business - because it is the lobby where the luxury hotels or the buildings 'respectable institution' - a Shari'a their business is very disgraceful.

Prophet Muhammad-had to threaten them with at least two of the following hadith:

From Abu Ya'la, Ma'qil bin Yasra RA, he said: "I heard the Messenger of Allah SAW said:" Every servant who is empowered by God to the people, then at the time he died deceive them, then God had not forbidden him to heaven "." HR Muttafaq Alaih.

From Abu Maryam al-Azdi RA ": in fact he said to Muawiyah RA:" I heard the Messenger of Allah SAW said: "He who is empowered by God to take care of some of the affairs of the Muslims, then did not meet her needs, and do not overcome their poverty, then God will not meet the needs of the indigent and to her on the Day of Resurrection ", then Muawiyah raised a man who meets their needs." HR. abu Dawud and Tirmidhi.

How many rich people now who sell the promise of prosperity to the people most like us-us; so that they we choose. However, after we choose, arbitrarily they 'politick' with a mandate that we give them. Our needs and our poverty - which promised to overcome - no longer of concern to them after they are elected.

So from the two types of horse-trading of the above, if given the choice I would select the first horse-trading - let dirty physically, but God willing more blessings.

For a second, I will only choose when to get a leader who if really trust and competent in their field - if we doubt the trust of her or his competence, but we choose too, so I am really worried it plunges our brothers that candidate The leaders promised to hell as the two hadith mentioned above - Wallahu A’lam bi Showab.

Top 20 Opportunities in Virtual World

2010-12-12T05:13:00.000+07:00

Because the crisis wracked 97/98 - Internet users in Indonesia can not grow too large. Based on data from the International Telecommunication Union (ITU), a new Internet users in Indonesia in 2000 reached 2,000,000 users.

No wonder so many Internet-based business initiatives to the early 2000s are very rarely successful. At that time I myself experimented with dozens of sites, nothing worked. First perhaps because the experiments are only a sideline, both yes because Internet users at that time was still very little, and the third access to capital when it is not yet open.

Now the situation is very different; Internet users in Indonesia this year has reached 30,000,000 users according to the Association of Indonesian Internet Service Provider (APJII). Even the government actually expects to reach 50 million Internet users last year - have not achieved it - but many parties are optimistic that this target can be achieved in two or three years.

With such a large internet users, the opportunities for entrepreneurship in the Internet world called netpreneur or infopreneur be wide open. The site was originally only geraidinar.com blog I created initially only accidentally - in the holiday mood in a cafe in Jogjakarta end of 2007.

When the community response has begun to dilate, which then require my full concentration to serve - then start this business I deal with the full and I leave the job 'prestigious' me before. It is now almost one year full-time job as I go through this netpreneur, thank God there is nothing I regret a little too over-step move kuadrant I do.

This experience that I want to share with friends readers who want to jump in this business with huge potential, nothing is easy indeed - but also nothing is impossible to do. What do we do this according to my religious teachers are among the "baina" possible and impossible. Origin was still in the area as possible, then anything can happen. Conversely if we enter the realm of the impossible - then it would be a waste of time.

Even if you currently do not have an idea though, we can help with ideas that there are no people just to run it. Dozens of sites that we had the idea and has not been successful, it could be now is the time to succeed because of the number of Internet users above.

Moreover, factors not less important is the capital. God willing investors access to a wide open now, so we can help until the issue of capital is the origin of his project was really nice and big chances. Interested?, Please contact us for brainstorming your ideas ...

Estimated Price of Gold From The CEO

2010-12-11T07:17:00.002+07:00

From about a dozen Chief Executive Officer (CEO) intermediate gold mining companies world recently interviewed by Business Newswire, all agree that world gold prices will reach new record highs later this year.

How exactly does no one can predict accurately, but from their opinions that this record will be in the range of U.S. $ 1,100 / oz s / d U.S. $ 1,500 / oz.

The trend of gold price increase by the end of that year they also did not escape the economic tsunami that caused chaos on a global scale investments and the increasing number of investment institutions who need rescue.

Despite all the CEOs who were respondents in the interview agreed that gold prices will reach a new record by the end of this year, there is also reminiscent of the possibility that this increase will go through a significant decline in prices before the summer or mid-May - mid August this year.

The fall in gold prices in the summer is because gold prices usually go up / down along with the rise and fall of commodity prices, particularly energy. In the summer people require less energy so that global energy prices go down, gold also fell.

Conversely in winter, more people need good energy to heat the room as well as for food. As energy needs rise, the price of fuel also rose and gold prices also followed him.
Because the population of northern-hemisphere is capable of much greater than the population of the southern hemisphere, the season that drives the world price of gold is summer and winter in the northern hemisphere.

With an estimated price of gold at a new record of U.S. $ 1,100 - U.S. $ 1,500 is, then at what number the record price in rupiah dinar this year?. Depending on the rupiah.

Rupiah likely strengthened as foreign exchange agreement between Indonesia and other countries, such as with China through a Bilateral Currency Swap Arrangement (BCSA), which was signed recently. Conversely Rupiah also likely to fall because of the great need of debt repayment this year as I wrote on 17 March 2009.

So if we assume the amount will move in the range of USD $ 11.000 / U.S. $ - USD $ 12.000 / U.S. $; then estimate the CEOs about the gold price in U.S. $ / troy oz can we convert into dinar price in the range of USD 1,831,000 - USD 2,725,000 per Dinarat the end of this year. Allaah knows best.

When Compelled in debt, where?

2010-12-11T06:50:00.003+07:00

In our paper some time ago I suggested that we should not rely on debt in overcoming crisis (economic) or build the economic strength of the people. For productive activities, many Islamic solution is more equitable for both parties as Qirad or mudaraba, musharaka and so forth.

But there are times when we are forced to go into debt for things that are urgent and it is not possible to overcome the above manner. An example is when the pain affected families that need large costs, accidents, natural disasters, fires, floods etc.

In conditions of affected like this, everyday people who are able-even may be forced to owe. The question is where do we have to owe when conditions force us to it?.

On the streets, in newspapers and often short message via the 'lenders' offers his services to the lure without collateral, or simply by file security vehicles and the like.Not only by small financial institutions, but such cases are also offered by large foreign banks.

What motive they offer loans to people who actually do not really need this loan?; None other than because they expect to have income from interest on the loans, aka usury.

Such loans are not a solution for the needs of the emergency fund as I have described above. Firstly because they suffocate from the loan interest and second because the loan is based on usury which bring sin to the giver and the recipient.

Because of these problems we go through BMT Daarul Muttaqiin who operate soon God willing, would like to invite people to build the valves rescuer (safety valve) with a motive from the beginning is not looking for profit but simply looking for willing and help. This is not a business field but the field charity as hadith the Prophet Muhammad: "... When someone meets the needs of his brother, Allah will fulfill his needs. If someone frees a Muslim from the difficulty, Allah will free him from the trouble at the end of time ... "(Bukhari Muslim.)

Also another similar hadith: "God helped His servant for the servant is helping his brother."

There is no any worldly rewards are more interesting than the benefits promised by God in these two hadith. Because God rewards far more promising, emergency loans from Daarul Muttaqiin do not charge anything let alone a clear interest cost him usury.

So how we will manage our emergency fund that will collect in this Muttaqiin Daarul for the funds collected are not exhausted because the loans do not repay their loans on or hard billed?.

The first loan will only be given to our Muslim brothers that we believe in his faith and piety. Matters of faith and piety are unseen this is that only God knows, we can only perform a physical assessment and invisible to the eye.

For men (potential) borrowers, prayers in the mosque (mosque office etc.), among others, will be the indicator of his faith and piety. For women (potential) borrowers - are covered in the daily minimum standard.

The logic that we build is simple: If a person does not fear God - he's certainly not afraid also to not pay the debt. Conversely those who fear Allah, most likely he will also be afraid to not pay the debt. He will be scared by the following hadith:
"It has been brought to the Prophet Muhammad corpse of a man in prayer for her.Prophet Muhammad asked, "Is he owes?". Companions replied: No. So he is praying to his right. Then again confronted with another body, the Prophet-is asked, "Did He Have Debt?", My friend replied, 'Yes'. Messenger said, "Prayer is not it is your friend" (He himself does not want to do his prayers.) Then Abu Qatadah said, "I guarantee the debt, O Messenger of Allah". So the Messenger of Allah, even his prayer to these bodies. "(Narrated by Bukhari).

Hadith mentioned above gives us two lessons at once; the first debt is a very serious problem for a Muslim. He should be able to resolve it yourself or have the support of others to solve them.

The second is the Islamic solution called Kafalah or guarantee. The existence of a guarantee mechanism Kafiil or guarantor is the borrowing and lending among Muslims with one another to be a lot safer.

Mechanisms using a Kafiil Kafalah by this also we will use to secure loans that will be our emergency funds distributed through Daarul Muttaqiin.

A Kafiil because it will be liable to pay debts (potential) borrowers who fail to pay, of course he will also be very careful in giving the guarantee. He must know who this is guaranteed, obedience etc. A Kafiil also must be willing to sacrifice his property when necessary.

In BMT Daarul Muttaqiin operational, the people we admit to being a Kafiil among others, is the owner of the account in Daarul Muttaqiin, owner of M-dinar account or the account owner Qirad. They can be a guarantor for the account of its maximum.When a congregation requires substantial funds beyond the ability of a Kafiil guarantee it, so he could collect insurance from several people Kafiil to guarantee sufficient.

With this assurance mechanisms so our brothers and sisters that the pious, devout but financial difficulties will get a solution to the problem is relatively easy because their friends are always praying in congregation in the Masjid or Mosque office will easily want to be Kafiil him. Perhaps this is one of the contemporary meaning of the verse "... He who fears Allah, He will hold for him a way out" (Sura 65:2) and "... And whosoever fears Allah, Allah will make easy for him in his business." (Sura 65:4).

Instead of people who have a track record of Islam is bad, do not pray regularly, do not want to follow God's command to cover his private parts etc.. not be our target, although the relevant market has great potential worldly.

The next question is where are we going to lend money to our brothers who are obedient we get?. First of these funds will come from donated funds or infaq of us who are we specifically designated for revolving funds in overcoming difficulties our brothers who obey.

Both because BMT Daarul Muttaqiin also had productive activities with aqad Qirad / Mudharabah etc.., Then the emergency fund will also be derived from the allowance for the results we get from these productive activities.

Hopefully, these good intentions facilitated by Allah. Amen.