Perbankan Syariah dan Jaminan Hari Tua, Belajar dari Negeri Hobbit

My husband is an Indonesian citizen but has been living here for a long time. From the story, I began to be familiar with the term Kiwi Saver. Kiwi Saver itself is a government program for every New Zealand citizen. Such a guarantee for old age. Kiwi Saver's current registered participation does not seem to be an obligation anymore. It is voluntary, unbound. However, as if inevitably, every citizen was registered. Kiwi itself is a name for New Zealanders. We may know him in general as the name of a typical fruit or bird of this country. But the Kiwi is also a name for people. 

Kiwi Saver is simply savings. Sources of savings come from income cuts every week or every month. Directly from the paying party. Or if working independently as self employees, contributions can also be done independently. A kind of long-term savings account. Benefits that can be utilized, Kiwi Saver can help residents to save to buy a house, or get a loan to buy a house, old age savings or in an emergency. 

Interestingly, the government also gave an injection of stimulation. For example, in a period of one year from June 2016 to June 2017, if savings remain at $ 1,042.86 and meet the requirements, there will be a half-country contribution added in the Kiwi Saver account of the citizens concerned. It will also be considered for the Kiwi Saver participants to save money, with details of the minimum amount of savings each week. How Kiwi Saver works may not be separated from stock work. Almost every bank here offers the Kiwi Saver program with the appeal of wheeled share turns, across various industries. The recording of saving motion and the achievement of profit from participant choice for stock type also appear transparent. 

Perhaps this is what makes the Amanah Kiwi Saver present give colour. The choice of the word Amanah implies Islamic teaching, to be trusted, to assume responsibility. The system applicable in Amanah Kiwi Saver is still following the government program with the offered stock industry filled with humanist and Islamic teachings. For example, the choice of industry falls on industries with halal products, not alcohol, drugs, adult entertainment and warfare. This kind of choice also attracted the attention of non-Muslims to join. For Muslims, perhaps there is a sense of not worrying about stocks that are kept away from issues of halal and haram. For people who love peace, perhaps this is a choice that obeys conscience. Not about warfare, adult entertainment or prostitution, drugs, which often just drop the victim for profit. I do not know much, whether the system of Islamic Banking or Financial Services like this has been flourishing developing in the homeland. Perhaps it can be a lesson and a common consideration, in order to follow the teachings of sharia, for the sake of the future and peacefully loving with others