Islamic Finance
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Liquidity Ratio: Can Your Business Pay Short-Term Debt?
Liquidity ratio is a crucial financial analysis tool used to assess a company’s ability to meet its short-term liabilities. By examining liquidity ratios, stakeholders can evaluate whether a company has enough liquid assets to cover its short-term debt obligations, thereby ensuring the financial health of the company. A strong liquidity position implies that a business is well-positioned to manage its…
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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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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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Book Value Per Share:Is It Important for Investors?
Book Value Per Share (BVPS) is frequently used in fundamental stock analysis to determine whether a stock is undervalued or overvalued. Although it may sound technical, BVPS plays an important role in helping investors understand the actual value of a stock. This article will explain the definition, calculation method, and the benefits and drawbacks of BVPS as an investment indicator.…
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The Economic Policies of Umar bin Abdul Aziz
Umar bin Abdul Aziz, the eighth caliph of the Umayyad Dynasty, is widely recognized for his wisdom in managing the economy and governance. Although his reign was brief, from 717 to 720 CE, it became a key example of how just, Sharia-based economic policies can profoundly impact societal welfare. Umar bin Abdul Aziz is often seen as a prototype of…
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How Abdul Malik bin Marwan Shaped Early Islamic Economic Policies?
Abdul Malik bin Marwan, one of the most significant caliphs of the Umayyad Dynasty (685-705 CE), is renowned for implementing extensive changes in political, social, and especially economic spheres. It was during his reign that early translation activities began, translating texts from Persia, and continued with expeditions to various countries under the governance of Khalid bin Yazid. His tenure was…
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