Financial Screening: Total Interest-based Debt compared to Total Assets not more than 45%

Return is an increase in the value of an investment at a time compared to the previous time

Return of an investment is divided into 2 components, namely:

Yield: return obtained from profit sharing/dividend from a business, or margin on principal from a sale and purchase/lease.

Capital gain (loss): return/loss obtained from an increase in the market price of an investment due to increased performance expectations of the investment. Capital gains arise due to an increase in demand to take over the relative investment from supply to release the investment.

Purification is carried out on profits obtained from yields and capital gains which still contain a small portion of non-halal elements.

Purification can occur for example because:

The existence of interest income from the issuer's account in conventional banks and other income that is not in accordance with sharia principles (should not be more than 10% of total income).

Dividend income in companies that are mixed companies (such as conglomerate companies)

The results of the purification are used as social funds for the benefit of the people (not to be consumed)

Risk is the deviation of the results (returns) obtained from the planned results (returns) that are expected.

The amount of risk that is included in the investment assessment will affect the amount of return expected by investors.

Types of Investment Risks:

Market risk (Market Risk)

Company Risk (Company Risk)

Liquidity Risk

Concentration Risk