Hi Kisanak, this time we will discuss a quite serious topic but important for us to understand together.
Namely about how Sharia transactions, Sharia investments, and Sharia savings can be abused by certain parties to commit fraud.
Sharia transactions are transactions that comply with Islamic law. In Sharia transactions, there are several things that are prohibited, such as fraud (tadlis), uncertainty (gharar), and manipulation.
However, ironically, there are some cases where Sharia transactions actually become a shield for fraud.
For example, there are cases where Sharia investment funds offer large profits in a short time, but actually do not comply with Sharia principles.
Investments like this are usually not registered with official financial institutions and only rely on online marketing or through recommendations from close acquaintances.
Sharia investments should involve full transparency, clear audit processes, and strict supervision from trusted bodies.
However, there are cases where Sharia investments are actually used as a disguise for fraud.
For example, there are investment fraud cases that use Sharia principles which have become a major concern among Muslim communities.
Such fraud cases have caused significant financial losses and damaged trust in Sharia financial practices.
Sharia savings should provide security for their customers. However, there are cases where Sharia savings actually become targets of fraud.
A customer of PT Bank Syariah Indonesia Tbk. (BRIS) lost their savings amounting to Rp378.25 million.
From the examples above, we can see that Sharia transactions, Sharia investments, and Sharia savings can be abused by certain parties to commit fraud.
Therefore, it is important for us to always be cautious and conduct thorough research before engaging in any transactions or investments.
Remember, friends, knowledge is the key to protecting ourselves from fraud. So, let’s continue to learn and share knowledge to prevent fraud and protect ourselves and those around us.
That’s all, Kisanak.