Halal lifestyle is becoming more and more popular day by day. Indeed, as a Muslim living a halal lifestyle that is in accordance with the teachings of the Islamic religion will make life more blessed.
What is Halal Lifestyle?
The Islamic religion recognizes the terms halal and non-halal. According to Islamic teachings, anything that Muslims are permitted to do is halal.
Therefore, halal principles are not limited to food and drinks that may be consumed. Other aspects of life such as how to dress, habits and daily behavior must also be in accordance with the teachings of the Islamic religion.
The same goes for finances, both personal finances and family finances. Every Muslim who wants to live a halal lifestyle for a more blessed life can start managing their finances according to sharia principles.
Manage Money According to Sharia Principles to Live a Halal Lifestyle
In the teachings of the Islamic religion, there are several aspects of managing finances that need to be known so that they can be applied in everyday life for peace of mind and heart.
1. Not allowing provision of interest
In accordance with sharia principles, financial management strictly prohibits giving interest. Interest is haram in Islamic teachings.
To be able to live a halal lifestyle without receiving interest when you save at the bank, you can choose a sharia bank. In general, sharia banks in Indonesia use Wadiah akad.
Wadiah akad that complies with sharia principles have the nature of a pure deposit, where the customer entrusts money to the bank. The bank has the obligation to safeguard the money entrusted to it or is permitted to manage the money, depending on the type of Wadiah akad used, whether Wadiah Yad Amanah akad or Wadiah Yad Dhamanah akad.
2. Allowing the principle of sharing profits and risks
Sharia principles allow two parties to establish cooperative ties involving a business. The two parties referred to in the banking world are the customer and the bank. How do they work together?
By using Mudhrabah akad, the bank is allowed to manage or invest funds provided by the customer with the aim of making a profit. Of course, the business chosen is one that complies with Islamic law. How free or how limited the management of funds is depends on the type of Mudharabah akad used, whether a Mudharabah Muthlaqah akad or a Mudharabah Muqayyadah akad.
If the bank makes a profit as a result of managing its funds, part of the profit is shared with the customer who provides the funds.
3. Not allowing wasting money or being extravagant
The financial management taught by Islam encourages its followers to save money. In other words, wastefulness is not a good thing and is strictly prohibited in Islam.
Every Muslim is encouraged to live in moderation by prioritizing main needs and savings. An excessive lifestyle and wasting money are not actions that should be followed.
4. Encouraging kindness sharing by helping others in need
Helping those in need is a form of good deeds and caring for others, which is highly recommended in Islamic teachings. By donating in the form of zakat and sadaqah, you not only fulfill your worship and purify your heart, but also share kindness.
60 Jago Syariah Pockets with Wadiah Akad and Mudharabah Akad
To manage your finances according to sharia principles and more easily and practically, you can open an account at Bank Jago Syariah. Through the Jago application, you can have multiple accounts through the Jago Syariah Pocket. There are 20 Spending Pockets, 20 Saving Pockets and 20 Sharia Deposit Pockets that you can create. This means you can have up to 60 bank accounts.
For the Jago Syariah Spending Pocket and Saving Pocket, both use Wadiah Yad Dhamanah akad without interest. Meanwhile, for the Sharia Deposit Pocket, Mudharabah Muthlaqah akad is used, which offers competitive profit sharing.
Create Pocket the way you want and allocate a budget for daily expenses, monthly expenses, savings, long-term or future investments, zakat and sadaqah, and many more according to your needs. To make it easier to monitor your spending and savings progress, you can personalize your Pockets the way you want, namely by naming them and giving them emoticons.
Giving Zakat and Sadaqah Through Jago Amal
You can give zakat and sadaqah more quickly and practically without having to leave the house, or wherever you are. Give donations online through the Jago Amal feature available in the Jago application.
You can choose the most suitable Pocket as a source of funds. It doesn't have to be from the Main Pocket. Your donations in the form of zakat and sadaqah are channeled to trusted organizations. Jago Amal collaborates with 3 organizations, namely Rumah Zakat, Dompet Dhuafa and Baznas.
Are you ready to enjoy the blessings of living a halal lifestyle by managing your finances according to sharia principles? Alhamdulillah, with Jago Syariah, you can be better at managing your finances, be disciplined in saving and investing to achieve whatever your financial goals are and continue sharing kindness.
