Sabtu, 16 Maret 2013

Perdagangan Valas Dalam Perspektif Ekonomi Islam


Forex Trading in the Perspective of Islamic Economics

Forex stands for foreign exchange. The definition of foreign exchange is foreign currency, such as U.S. dollar, British pound, Malaysian ringgit and so on.


If international trade occurs between countries, each country needs foreign exchange to pay for overseas equipment, which in the world is called foreign exchange trading. For example, importers Indonesia needs foreign exchange to import goods from abroad. To pay for the imported goods, the importers need foreign currency.
Similarly, for example, when a company in Indonesia to export goods, such as Japan, the foreign exchange needed. Payments by Japan for Indonesian companies have local currency, the rupiah. While Japanese importers have only the yen.


In this case there are two possibilities that can be achieved, in order to meet the needs of the transaction between Indonesian exporters and importers Japan.



First, if the exporter Indonesia bill in the form of dollars, the Japanese importers to sell yen and buy dollars to pay for goods imported from Indonesia. Second, when the Indonesian exporters are paid in the currency of the yen, the exporters have to swap yen Indonesia was that the rupiah.

Thus, there will be supply and demand of foreign exchange in the foreign exchange market. It can also happen that the transactions between the two countries resolved using a third country's currency, such as dollars.

This could happen if the exporter or importer does not have the local currency of each country or currency both countries rarely traded because its currency is very weak. This means that the currency is the currency used it popular in both countries, such as the dollar.

The exchange rate is subject to change, depending on the economic situation of each country. Islam recognizes foreign currency exchange rate changes from time to time sunnatullah (market mechanism). If the change is too high, then government intervention is needed to maintain the stability of the currency, because Islam wants the currency exchange rate stability.


Nevertheless buy foreign exchange transactions as described above, are generally held in the foreign exchange market, money changer, foreign banks and foreign exchange business enterprise.

Islamic Economic Perspective

In Islamic economics, currency trading is referred to as al-Sharf. At home, the currency was only gold and silver. Called gold dinar and silver dirham called. Second currency is called the intrinsic currency, ie the currency in accordance with the nominal value with the value of content material.

Today's currency also shaped nickel, copper and certain rated paper. Currency other than the dinar and dirham is called the nominal money numbers written in nominal money is not in accordance with the price of materials (intrinsic) money.

Currency exchange may occur include:
 1. The same types of metals, such as gold for gold, silver for silver,
 2. Different types of metals, gold with silver, gold with nickel,
3. Metal with paper money, such as gold with paper,
4. Banknote paper money, such as a piece of Rp. 10.000, - with 10 thousand pieces of money.

Basically, exchange of currency or currency trading law allowed but not required (may be) with the following requirements:
1. If money is exchanged for that of gold, it must meet the requirements: First, the same weight or the same scale. Second, the delivery of goods are done at the same time (naqdan / spot), in order to avoid riba.
2. If the currency is exchanged for gold or silver, or both currencies were berbada kind, it can be exchanged according to the market rate and the delivery of the goods to be done at the same time.

Conclusion

1. Basically, forex trading is allowed, if the purchase was intended for the needs of the real sector transactions (goods and services), for example, to pay for the imported goods to the exporter or to travel abroad and spending abroad.

.2. Trading foreign exchange for the purpose of speculation is haram, because it contains the elements of riba and maysir, and the negative impact (harm) to the general economy of the community (beneficiaries' amma). Because they were the reasons that Muslims should avoid it.
Currency speculation that is, someone buys a foreign currency only for gain (difference) buying price and selling price. Someone speculators to buy foreign currency, such as dollars, and release it when it drops when prices rise, and so forth.
The difference between buying and selling prices to benefit speculators. Difference obtained without any 'real sector iwadh or transaction is riba. While the possibilities and the uncertainty of exchange rates resulting in the losses and profits belong to the speculators to gamble.

3. It should be reiterated that in forex trading, the gain obtained is usury, because the gain was not the result of business activities sector goods and services, but the result of currency exchange alone.

4. Forex trading has made money as a commodity and transaction activity is called maya, because in business activity occurred in the velocity of the flow large amounts of money, but there is no real sector activities (bai 'goods and services). Yet according to Islamic economics, should not be the function of money as a commodity.
In Islamic economics, prohibited all forms of virtual transactions. When the transaction is permissible, then the markets will grow much faster than the growth of the market for goods and services. This unbalanced growth will be a source of crises and disasters as happened today, because the money has been used as a speculative commodity trading.

5. Forex trading has fueled significant dollars for the fall. While the fall of the rupiah meant the destruction of the economy of a country or people in general.

Source :

http://blogwongjowo.blogspot.com/2011/09/perdagangan-valas-dalam-perspektif.html

ISLAMIC ECONOMICS


ISLAMIC ECONOMICS

Islamic economic system is believed to be an alternative to reduce the weaknesses that exist in the conventional banking system. Because the Islamic economic system has strong power of resistance against the global financial crisis.


"Being able to distance themselves from riba (interest), and can avoid something that is not transparent and well protected from a variety of speculation,"
Islamic economics may be the key to overcome the financial crisis that hit many parts of the world countries.

On the other hand, the principle of doing business is likely speculative gain maximum profit by relying on a variety of ways to be quits.
"Small capital and earn maximum profit in many ways we sudahi only. The principle should be modified. We need to create sustainable economic alliance for human life, "

Ilustrasi. (inet)


Thus, with the Islamic economic system that has been there and is growing in Indonesia is expected to meubah these principles in the future.

"Indonesia is one of the largest Muslim-majority country in the world. In particular there are also areas of West Java, approximately 44.2 million people, the majority of Muslim too much. It is expected to help drive the development of Islamic finance, "

Let's turn to Islamic economics ......... :) :) :)