- Muslim Lifestyle
Islamic Perspective on Saving: Between Virtue and Excess
Saving money is a common practice in daily life, viewed in Islam as a means of ensuring financial security and fulfilling one’s responsibility in managing wealth. However, Islam draws a clear distinction between virtuous saving and the condemned practice of hoarding wealth. This article will explore how saving is perceived in Islam, highlighting when it is considered praiseworthy and when…
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Witr Prayer: Its Importance,Urgency and Virtue
The Witr prayer is a highly recommended sunnah prayer in Islam, performed as the closing prayer of the night, particularly after Isha. Although it is not obligatory, Witr holds significant value in strengthening a Muslim’s worship. The Prophet Muhammad (peace be upon him) consistently performed Witr, whether traveling or at home. Therefore, understanding the urgency and virtues of Witr enriches…
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Important Principles on How Islam Views Investment
Investment is a widely accepted way to grow wealth and achieve financial stability. In Islam, investment is not only allowed but also encouraged, provided it adheres to Shariah principles, which emphasize justice, transparency, and the avoidance of prohibited elements such as riba (interest), gharar (uncertainty), and maysir (excessive speculation). This article explores how Islam views investment and how Muslims can…
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Islamic Insurance? Is it real? How to do it?
Sharia insurance, or Takaful, is a financial protection solution based on Islamic law (Sharia). It is specifically designed for Muslims who want to ensure their financial dealings comply with Islamic teachings. Sharia insurance emphasizes the principles of mutual assistance (ta’awun) and risk-sharing, providing financial protection without violating Islamic principles. This article will explain how Sharia insurance works, its product types,…
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Artificial Intuition: The Future of Business Decision-Making
In the rapidly evolving digital landscape, businesses are constantly seeking innovative tools and approaches to stay competitive. While Artificial Intelligence (AI) has been a dominant force, a new concept is gaining traction: Artificial Intuition (AIu). Artificial intuition is distinct from traditional AI as it mimics human intuition, making fast decisions based on patterns and experiences without relying on complex logic…
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The Story of Ayam Bakar Wong Solo: A Simple, Scalable Business
Ayam Bakar Wong Solo is a remarkable example of how a small business in the food industry can grow into a large-scale operation with hundreds of outlets, both domestically and internationally. Founded by Puspo Wardoyo, this business has expanded significantly from its humble beginnings into a renowned franchise, proving that a simple product like grilled chicken can lead to substantial…
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Price to Book Value: Is Your Stock Overvalued?
Investing in stocks is a popular strategy to build wealth over the long term. However, determining whether a stock is worth buying can be a challenge for many investors. One of the most common methods to evaluate whether a stock is overpriced or still worth buying is by using the Price to Book Value (PBV) ratio. In this article, we…
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Internal Rate of Return: Know Your Profit Goal
The Internal Rate of Return (IRR) is a key financial tool used by investors to measure the return on an investment. By understanding IRR, investors can decide whether a project is worth pursuing based on its expected return. This article explores IRR’s definition, calculation, main functions, benefits, and limitations. What is Internal Rate of Return (IRR)? Internal Rate of Return…
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Success Story of Roti’O: How to Scale Up a Bakery Business
Roti’O has become one of the most well-known bakery brands in Indonesia. With its signature coffee aroma and delicious flavor, Roti’O has managed to capture the attention of consumers from various demographics. Today, Roti’O operates more than 500 outlets across multiple cities throughout the country. This remarkable expansion didn’t happen overnight. Instead, it was the result of smart business strategies,…
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Net Present Value: Important to Know The Impact of Time on Your Investment Value
Net Present Value (NPV) is a commonly used method for evaluating the feasibility of an investment. By calculating NPV, investors can determine whether an investment will be profitable or not. NPV takes into account the time value of money—meaning that money received today is worth more than the same amount received in the future. One of the critical factors influencing…
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