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0:12 Bismillahirrahmanirrahim. Peace be upon 0:15 you, may Allah have mercy on you. 0:17 Ikhwan akhwat rahimakumullah. I am very 0:20 happy to be together in Muslim 0:22 Entrepreneurship. The event that we are 0:26 presenting, which hopefully will 0:28 persuade us all to be able to become 0:31 figures as every time it is discussed, 0:34 will certainly make us interested in 0:36 becoming like that. Of course, we will 0:39 not forget to recite the salawat ( 0:40 praise and blessings) to the leader of 0:41 our beloved nation, Muhammad Rasulullah 0:42 sallallahu alaihi wasallam. May we be 0:49 reunited with him in the moments we 0:50 miss so much in the final yaumil. As 0:57 usual, Muslim Entrepreneurship presents 0:58 Ustaz Valentino Dinsi. He is already 1:02 here. Peace be upon you, may Allah have 1:02 mercy on you. May Allah have mercy on 1:05 you. Are you 1:05 healthy, Mrs. Gar? 1:06 Alhamdulillah. The few remaining 1:09 symptoms are already gone. Now 1:12 at the end of 2024, we will be 1:14 approaching the new year with new 1:17 enthusiasm, new plans. If today's 1:21 discussion is related to us, how is it? 1:25 What is it? 1:25 Yes, if 1 month ago I said ee we make 1:29 ee what is it called? Resolution, make 1:33 a program, make a plan my question. 1:35 Have you made it yet? Not yet. 1:37 Have you? 1:38 Not yet made. In fact, today we will 1:41 talk about something that I will try to 1:43 narrate in 2025. 1:46 Ee and this is the topic of our 1:48 discussion today. The theme is titled 1:52 Muslim Conglomerate Project. 1:55 Masyaallah. So next year, if possible, 1:59 our friends, the people who play so 2:03 many roles, Muslim friends can make 2:09 many projects. Hopefully, all of that 2:13 will become our shared longing. Let's 2:15 listen with all our hearts, with all 2:16 our feelings. Please do. 2:18 Bismillahirrahmanirrahim. 2:19 Assalamualaikum warahmatullahi 2:20 wabarakatuh. Hamdan wasyukurillah. Ee 2:22 ikhwan akhwat listeners of Radio Rasil 2:24 and TV Rasil Matuda. Before I start our 2:27 topic, the special topic today at the 2:29 end of the year, Kongoret Musim Project 2:32 , I want to inform you that it has been 2:35 published. 2:36 Heeh. Cool. Cool. 2:37 My 26th book that we talked about how 2:41 long ago, Second Life at 50, second 2:44 life at 50 years old. So together with 2:48 this book, it turns out after I looked 2:50 at it, eh, this is a trilogy. So it 2:53 turns out that at the end of this year 2:56 I wrote a trilogy of three books, the 2:59 title is three books for three 3:01 generations. So if this white book is 3:04 for the fathers, for the grandfathers, 3:07 yes, for me, Mbak Nuning who already 3:09 has grandchildren, ee the white one is 3:11 for the grandfather generation. Well, 3:15 especially at the end of this year, I 3:17 am giving a bonus, buy one book, get 3:19 three books, two more books. The second 3:22 book is for children, the title is 3:24 don't want to be a salaryman all your 3:27 life. And the other one is for 3:30 grandchildren, the millennial 3:31 generation, what is it? Millennials are 3:34 rich and flooded with fortune. If the 3:37 second life at 50 is for the 3:38 grandfather generation, ee don't want 3:40 seven people to be paid for the 3:42 children's generation. and rich 3:44 millennials for the millennial and 3:46 millennial generations. Those 3:49 interested in buying one get three 3:52 books can open it at 3:53 www.valentinodinsi.com. 3:55 Valentinodincy.com. Okay, let's get 3:59 into our topic, eh, the Muslim 4:02 conglomerate project. So, Ms. Nuning, I 4:07 feel like this month has become such an 4:11 important person, huh. He. Why? A few 4:17 days ago, the sister of our Minister of 4:20 Finance, 4:21 Ms. Nining, Dr. Nining, contacted me. 4:24 She contacted me, she asked about the 4:27 mosque's affairs because she was 4:29 appointed as the supervisor of the 4:31 mosque in her housing complex. 4:33 So we discussed this in the context of 4:36 her sister, 4:37 eh, who in my family I know is all 4:39 smart, doctors, professors, right? So, 4:42 Ms. Nuning contacted me, we discussed, 4:44 yeah. We, this is what I can help, I 4:47 help. Well, the previous weeks were 4:50 even more amazing. So eh, about 2 weeks 4:55 ago I was invited to the DPR MPR. There 5:00 was a meeting there. At this meeting, 5:03 held at the DPD RI building, 5:05 national figures from Islamic 5:07 organizations from Nahdlatul Ulama (NU) 5:09 , Muhammadiyah, Alirsyad, and various 5:10 other organizations were present. There 5:13 were senior figures. I was one of the 5:16 juniors invited, representing a 5:17 state-owned enterprise (BUMM), a 5:19 mosque-owned enterprise. Hundreds of 5:22 people were present, representing 5:24 Islamic organizations. And the week 5:27 before, I was invited by friends who 5:30 are da'wah activists, young people, to 5:33 a Zoom meeting attended by 5:35 approximately 1,000 people. The Zoom 5:37 meeting was attended by activists, 5:40 ustaz, da'wah activists, eh they 5:43 invited me. So, it's my honest opinion. 5:46 I'm so honored, eh, for the past month 5:48 I've felt like an important person. 5:50 Invited by 1,000 da'wah activists, 5:53 invited by hundreds of prominent 5:56 figures, leaders, and so on. And most 5:59 recently, I was contacted by Sri 6:01 Mulyani's sister. Well, on these 6:03 occasions, I never forget to share my 6:08 thoughts and ideas. What concerns me, 6:12 what concerns me. That's what I'm 6:14 saying. And on this occasion, I'll 6:17 share what I conveyed to those 1,000 6:20 people and to hundreds of Islamic 6:22 figures, uh, ulama, and leaders. And 6:25 this seems to be my concern from 2025 6:28 onward. I'll consistently discuss this. 6:31 Although, actually, what I'm talking 6:34 about, uh, I've been consistently 6:37 discussing this for over 20 years, and 6:40 I've titled it the Muslim Conglomerate 6:43 Project. Well, on that occasion, I 6:46 always open it like this, friends. 6:50 Initially, the Chinese were foreigners, 6:54 aseng asong (traders) as we call them, 6:57 they controlled the economy. They 7:02 controlled our economy. After they 7:04 controlled the economy, they 7:06 established banks. They controlled the 7:08 banking and financial sectors. After 7:11 having banks, they controlled the 7:13 economy, they had a lot of money, they 7:15 bought land, they controlled the land. 7:18 Hey. 7:20 First, they controlled the economy. 7:22 Second, they controlled the financial 7:24 and banking sectors, and third, they 7:26 controlled the land. And after they 7:29 controlled that, they controlled 7:32 politics. They breed political parties 7:35 and become oligarchies, what we now 7:39 call oligarchs. 7:41 And the winners take all. So, in the 7:49 recent presidential and regional 7:51 elections, who lost? The Muslims lost. 7:54 Why was everything bought with money? 7:56 There's a thing called "rupiah syrup" 7:58 where you give envelopes of Rp 50,000, 8:00 Rp 100,000, Rp 150,000, Rp 200,000, Rp 8:02 300,000. The votes are bought. That's 8:06 it. Premise one is that not all the 8:10 winners are there. Premise two is. I 8:13 also convey this to my friends, Islamic 8:16 activists and scholars. My cleric said, 8:20 as far as I know, Islam was first 8:24 brought by a man named Muhammad (peace 8:28 be upon him). He was accompanied by a 8:31 woman, Khadijah bint Khuwaylid, and 8:34 followed by two small children, Fatimah 8:36 and Ali bin Abi Talib. After that, 8:40 Islam spread throughout the world. 8:43 Today, Islam is practiced by 2.1 8:46 billion people worldwide. The question 8:52 is, why is Islam growing and developing 8:57 so rapidly? Of course, besides the fact 9:01 that this is a religious belief that 9:04 Allah will prevail, and the Muhammad 9:07 factor, I think there must be other 9:10 supporting factors that have caused 9:13 Islam to grow so rapidly. After 9:17 studying it, one of these factors is 9:21 economics or capital. That's why in 9:27 Mecca there was Khadijah bint Khuwaylid 9:29 , there was Abdurrahman ibn Auf, there 9:34 was Uthman ibn Affan in Mecca, and in 9:37 Medina there was Sa'd ibn Rabi. Who 9:39 were they? They were conglomerates, not 9:42 rich people. Conglomerates who financed 9:47 this mission with their wealth and 9:51 lives. So, in conclusion, if Islam 9:56 wants to progress, develop, exist, and 10:01 win, then one of the pillars we must 10:05 build, possess, strengthen, and support 10:10 is the economic pillar or capital 10:14 pillar, which we don't have. That's 10:19 what we must build. That's why Allah 10:21 says in Surah Al-Anfal, "lahum minah wa 10:25 min ribatil turhibunallah aduallahi 10:28 wawakum." So we must prepare our 10:31 strength so that it's apple to apple. 10:35 They have the economy, capital, 10:36 political capital, we must also have 10:38 the economic capital, proper 10:40 intellectual politics. Now what we are 10:43 weak in is capital or the economy. So 10:46 this is what we must build. If I want 10:52 to ask, on this occasion I also ask, I 10:56 say, "Isn't building an economic base, 11:00 building a capital base something that 11:03 is fardu kifayah in upholding this word 11:07 of Allah?" So, this fardu kifayah law 11:11 we must build, we must revive. If not, 11:14 Islam will just be like this. Meeting 11:17 with Islamic parties, okay? You will 11:19 always be under 8%. The Muslim 11:24 community combined with Islamic parties 11:26 does not reach 30%. Why? No money, no 11:31 capital, no capital and no capital 11:34 figures. Allah commands aid lahum minah 11:40 win turhibuna bihi aduallahuakum. That 11:45 shakes the enemies of Islam. So if we 11:48 don't have capital, then when we have 11:50 regional elections or presidential 11:51 elections, they give us money, then 11:53 Islam will just hold demonstrations, 11:55 give us money, and then they stop. In 11:57 the end, we lose our izah (Islamic 11:58 authority). Furthermore, Islamic 12:01 figures are squeezing capitalists and 12:04 oligarchs, begging for money. People 12:07 who have money can't say that, right? 12:10 They just go along with it. So this is 12:11 a weakness and, in my opinion, fardu 12:13 kifayah (obligatory duty). I also 12:16 conveyed that my ustaz said I once 12:20 conducted research with 25 years of 12:23 data to answer one question. The 12:28 question is, who are the richest people 12:30 in Indonesia and the richest in the 12:32 world, and what businesses do they 12:34 control? Well, just open Google now, 12:39 open 100 billionaires 2024, 12:41 billionaires in Indonesia 2024, now the 12:45 relevant people in Indonesia will come 12:49 out, who are the 12:50 relevant people in Indonesia, if I'm 12:52 not mistaken, this is now back to Budi 12:54 and Hartono. That's the Hartono family 12:57 number one. Number two is Prajogo 13:00 Pengestu. Number three is Lu Tok Wong 13:03 and so on down. That was in 2024. In 13:07 2023, Pray Pengesu was number 1. So it 13:09 turns out that the 10 people related to 13:11 Indonesia, the order just keeps 13:13 changing, sometimes the third person 13:14 rises to number two, then becomes 13:16 number one, number one drops to number 13:18 two, number three, and so on. Likewise, 13:21 in the world, my research shows that 13:24 the richest person in the world now 13:26 number one is again Elon Musk, with a 13:29 net worth of 7.100 trillion. He became 13:32 the richest person in the world this 13:34 year. In 2023, Elon Mars was number two 13:37 . Below where? Below Reynold Ambran. 13:40 Reynold Ambran is the owner of top 13:42 fashion brands in the world. Zara, 13:44 Louis Vuitton, and all sorts of things. 13:47 Yes. So first is Elen Musk, second is 13:51 Reynold Amran, third is Lady Olson, 13:55 fourth is Warren Buffet, fifth is Lux 14:00 Mimital. So it turns out that the 10 14:03 people related to the world are always 14:05 the same. And they all control 10 14:10 industries. So, the world's connected 14:14 people control 10 industries: 14:17 telecommunications, mining, banking, 14:19 private equity, property, fashion, and 14:23 so on. There are 10. I've written about 14:26 them. 10 industries that make people 14:28 connected in Indonesia and around the 14:29 world. I told the figures, "So, we have 14:33 to create this by Marat Muslim. Lesi 14:36 said, 'Let's go to Y now, we create now 14:39 , we prepare now.' Maybe in 5, 10, 15, 14:42 20, 30, 40, 50 years, the Muslim 14:44 community will have a conglomerate. One 14:47 in property, one in private equity, one 14:51 in banking, one in mining. And these 14:54 people are truly pious conglomerates, 14:57 pious conglomerates, whose faces are 14:59 idu fiabilillah biamwalikum wa 15:01 anfusikum. They strive with Allah with 15:04 their wealth and lives. And we must 15:05 create people who are rich and pious. 15:08 So, it's not enough to be rich but not 15:10 pious. If someone is rich, they are not 15:11 pious, they don't care about Islam. But 15:13 if he is rich and pious, like 15:15 Abdurrahman bin Auf, Uthman bin Affan, 15:17 yes Abdurrahman bin Auf, Saad bin Rabi 15:19 ', that is, they wajahidu fiabilillah 15:21 biamwalikum wa anfusikum fisabilillah. 15:24 So I think that's what we and they all 15:27 have to agree on. Wow, I agree, but 15:30 what's next? Nothing. Finally, instead 15:33 of getting angry, 15:35 I wrote a piece. So, I wrote the piece 15:37 just 2 days ago, entitled Konglomerate 15:39 Muslim Project. So what I'm talking 15:42 about is a little introduction. Friends 15:43 who want to read more details can later 15:46 open it there at bummpeduli. BUMPeduli. 15:51 That's what I wrote earlier about the 15:54 major premise, the minor premise, the 15:57 conclusion. Then a brief about what the 16:00 kongoret musim project is, the stages, 16:03 including ee what the program is, but 16:06 not in detail because the strategy 16:08 should not be revealed, but just give a 16:11 brief. So what? I call upon people who 16:15 share my thoughts: that this nation 16:17 must progress, this nation must triumph 16:20 , this nation must win, this nation 16:23 must not lose, this nation must rise. 16:26 And one of the pillars that can revive 16:28 it is that we must have a Muslim 16:31 conglomerate. If there isn't one, then 16:34 we must create one because the command 16:37 is aidahum minah wamin ribatil 16:40 turhibuna bihi aduallahu wauakum. So I 16:44 invite and I have been consistent for 16:46 more than 20 years, almost 25 years. 16:49 Talking about Muslim conglomerates, 16:52 conveying it to Islamic parties, to 16:55 Islamic organizations, I feel eh enough 16:58 is enough, right? At the end of 2024, I 17:03 will start to break down in detail, 17:05 make a detailed plan, will create a 17:08 grand design, create a roadmap, create 17:11 milestones, create a timeline, 17:13 including the budget, the team. Eh, it 17:16 is not easy, not easy. Ee but I know 17:20 which side I stand on and I know what 17:23 reward from Allah I will get when I ee 17:27 earnestly ee in the path of Allah to 17:31 advance this religion with one pillar, 17:35 namely economics. Because this is the 17:38 only field I master. So the idea of the 17:41 Muslim conglomerate project, I made it 17:43 in just a short time, less than a day, 17:46 the writing was finished. I have 17:48 uploaded it, I have uploaded it on 17:50 bummpeduli.id yes I called friends who 17:53 think the same way, agree with this 17:55 idea, with this idea. Come on, let's 17:58 all join or contribute to biamwalikum 18:01 wa anfusikum with their wealth, with 18:03 zakat for their charity. with their 18:07 thoughts, with their energy, with their 18:09 ideas, with their networks for what? 18:12 Because this is indeed the case in this 18:15 phase of the life of the Muslim 18:17 community, it is the last, yes. This is 18:20 the final phase we will enter the 18:23 current phase, Mulkan Jabrian. After 18:26 Mulkan Jabrian, Islam will rise again 18:29 and triumph. Al-Mahdi will descend 18:31 later, and we have seen the signs, 18:34 especially the recent events in the 18:36 Middle East. Most recently, we also saw 18:38 in Syria 18:39 how, God willing, he will finally 18:41 return to the fold of Islam. At least, 18:44 the signs are very clear in Syria. We 18:47 see these signs. The question is, what 18:49 can we contribute? What can we do to 18:52 welcome the rise of Islam? Contribute 18:56 to the rise of Islam, the glory of 18:58 Islam, that this is not just for 19:00 ourselves, but it concerns the future 19:02 of our children and grandchildren. 19:04 Let's not be people who don't want to 19:06 know, don't want to care. So, I think 19:10 there is one aspect that is lacking in 19:13 this ummah: the economy and capital, 19:15 and we don't have that. We need Muslim 19:18 conglomerates. We create Muslim 19:20 conglomerates, we create Muslim 19:23 conglomerates, hopefully, these are the 19:25 people who will support this da'wah. 19:28 Revive Islam, make Islam glorious, make 19:30 Islam rise again and be victorious. As 19:32 in the past, Islam was glorious, Islam 19:34 rose during the time of the Prophet 19:37 Muhammad (peace and blessings of Allah 19:39 be upon him) because of the supporters 19:41 of the da'wah who helped in the 19:43 economic and capital aspects, namely 19:45 Muslims such as Khadijah bint Khuwaylid 19:48 , Abdurrahman bin Uthman bin Aban, Saad 19:50 bin Rabi, who supported the Islamic 19:52 da'wah with their wealth and lives and 19:54 ee they actually knew that what they 19:57 did would be rewarded even greater, 19:59 namely what? Heaven. What is more 20:02 precious, more beautiful than heaven? 20:05 They gave it all. Abu Bakr, 20:07 Umar came to give half. Abu Bakr gave 20:09 all his wealth. The Prophet asked," O 20:12 Abu Bakr, what have you left for your 20:14 family? "I left Allah and His Messenger 20:16 . Masyaallah yes. People give ee half 20:19 of their wealth, he gives everything 20:22 left for Allah and His Messenger. 20:24 Because he knows that when he gets 20:26 Allah and His Messenger, he gets heaven 20:30 as his service, as a reward. Wow, who 20:32 doesn't want to be rewarded with heaven 20:33 ? After all, how many years do we live? 20:36 70, 80 years old, yes, dead. Is there 20:39 anything to take with us? Nothing. We 20:40 only carry the shroud. But when we 20:43 fight to uphold Allah's religion, the 20:47 reward follows. Yes, I'm grateful, it's 20:50 almost 9, 10 years, Ms. Nuning, without 20:52 any results. 20:53 Yes. So, the only field I really master 20:57 is economics. The economy of the people 21:01 , eh, how to revive this eh. But for 21:04 about a few years now, we've been 21:05 talking about micro, small, and medium 21:06 enterprises (MSMEs). I finally thought 21:09 for a few days about small and big, and 21:12 it's all located here. It's tiring, it 21:15 turns out we're talking about micro 21:17 things that have a small impact. I was 21:20 thinking about small and big, but it's 21:21 only located here. Why don't I also 21:25 think about talking about the big 21:27 things, inviting the big ones? That 21:29 this is part of our jihad. We as 21:32 Muslims must have Muslim conglomerates. 21:35 Islamic parties must have conglomerates 21:37 . Islamic organizations must have 21:39 conglomerates. Islamic institutions 21:40 must have conglomerates. Islamic 21:42 foundations must have conglomerates. So 21:44 what? So that da'wah runs smoothly. Yes 21:46 . But when we don't have a conglomerate 21:48 , it's hard to even pay our employees' 21:51 salaries. Let alone employee salaries, 21:53 it's hard to even eat. It's hard to 21:54 even pay for electricity. So, how 21:56 ironic it is that when we want to 21:58 preach, we don't have money. Meanwhile, 22:01 the oligarchs end up having money. In 22:05 the end, Westerners say," Money has 22:07 power. "Money has power. It's true that 22:09 money isn't everything, right? Making. 22:12 Money isn't everything, but without 22:14 money, it's like dying. Why? Yesterday, 22:17 I suddenly told you about a friend who 22:19 has 11 children. That's a lot of 22:22 children. Can you imagine that? 11 22:26 children living in a rented house, all 22:28 of their children go to school, they 22:30 need to eat, right? They need to pay. I 22:33 also asked earlier about a religious 22:34 teacher here, an acquaintance of mine, 22:36 a famous religious teacher, or not. 22:37 That was the context in which I asked 22:39 for help with his child's college 22:41 education. It's sad that we're like 22:43 that, right? Wow, this religious 22:44 teacher is a mujahid fighter whose name 22:46 is famous, if I mention it. Fighting 22:48 for this community. But the problem is 22:50 getting his children to school and 22:52 paying for his house rent. There are 22:53 those who rent again and want Rp 22:54 200,000 to pay for electricity, and 22:56 their electricity tokens are about to 22:57 run out. It's really sad when we face 23:01 these stories. Why? Because we don't 23:05 have capital. Because this community 23:07 doesn't have conglomerates. This 23:09 community doesn't have, in today's 23:11 language, bohir politics. Yes, in 23:14 preaching, we must have bohir too, we 23:17 must have funders and we must also have 23:20 capital. If not, this preaching will be 23:23 blocked. It's true that money isn't 23:25 everything, but it's one of the pillars 23:28 , one of the factors that allows this 23:31 preaching to run smoothly. It's like 23:36 driving a car or a motorbike, you need 23:39 gas. Without gas, it breaks down. So, 23:41 the Muslim conglomerate project I 23:44 designed, I created, I created is to 23:48 prepare for the conglomerate season 23:51 ahead. Of course, when talking about 23:53 the season, the national scale goes 23:55 down, the provincial scale goes down, 23:57 the district scale goes down, maybe it 23:58 can be continued again to the 24:00 sub-district, village, or maybe a whole 24:02 complex like that. So, in the end, 24:04 Muslim conglomerates grew, rich people 24:08 grew, and the middle class grew. And we 24:11 all need to know, my friends, that our 24:14 middle class is being depleted and is 24:16 indeed being tried to be depleted. 24:19 Heeh. 24:20 Our middle class. In the end, it's back 24:24 to those political farmers, those 24:27 oligarchs who will easily control us. 24:30 So, to prevent us from being controlled 24:33 , we must work hand in hand, in 24:36 congregation, yes, your watasi 24:38 bihamdillahi, our guarantee is that we 24:41 hold on to the rope of Allah, together 24:44 helping each other. Because we never 24:47 know, we hope that 2025 will be better 24:50 than 2024. But always, if you fail to 24:53 plan, you plan to fail. Or the saying 24:57 goes," If you fail to plan, if you fail 24:59 to plan, you plan to fail. "Meaning, 25:02 you have planned to fail. That's why 25:05 last month I talked about, have we made 25:07 a plan? Have we made a resolution for 25:10 2025? Because why? We will face 25:13 uncertainty, uncertainty in 2025. The 25:16 way we deal with uncertainty is by 25:19 preparing for it. Yes. But those who 25:23 are not ready will become dinosaurs, 25:25 will perish. Well, if we have prepared 25:28 ourselves, eh I just use the Quranic 25:31 term, fazir. Give reminders, warn, give 25:37 advice, remind. Fainna zikr tanfaul 25:40 mukminin. Because advice is a reminder 25:43 that is very useful for people who 25:45 believe. Welcome 2024. eh well eh eh 25:49 goodbye and welcome 2025. So it will be 25:52 goodbye in a few days to 2024 will 25:55 welcome 2025 but we want to enter 2025 25:59 with a new atmosphere, with a new 26:02 situation, with a new mentality. So eh 26:06 fafirru ilallah, hasten to Allah. Inni 26:10 lakum minhuirum mubin. My thoughts can 26:14 be read on bommpeduli.id yes 26:16 bommpeduli.id about the conglomerate 26:19 Muslim project. As for the three 26:22 mandatory books for three generations 26:24 on valentinodinsi.com. I'm back to the 26:27 dun. 26:28 Masyaallah. Listening and hearing what 26:32 Ustaz Valentino Dinsi said regarding 26:35 the Muslim Project Congregation. It 26:38 seems we all miss things like that. 26:42 Even if the longing is limited to being 26:46 in high places, right? Okay, can I get 26:49 straight to the question? I'm 26:50 going ahead, Buning. 26:51 So this is from Ibu Ais. 26:55 Assalamualaikum. 26:56 Waalaikumsalam warahmatullahi. 26:58 At a time when a 12%tax increase is 27:00 imminent, and 27:02 the economy is uncertain. 27:04 Is it still appropriate to open a 27:06 retail business? Hehe. 27:08 Alhamdulillah, I've been involved in 27:11 retail for 12 years, 27:13 and in the last 5 years I've switched 27:15 professions to the laptop field. 27:18 Hehe. 27:18 The profit is indeed more promising, 27:21 but it's quite slow. The turnover is 27:24 also faster, but the competitiveness is 27:26 extraordinary. What do you think? 27:29 Okay. 27:29 Yes. So before we started, we were 27:33 talking about a 12%VAT increase. 27:36 Hehe. 27:38 So I said that kale has increased by 12 27:40 %at the vegetable vendor. 27:42 The price of kale has increased by 12%. 27:45 Has the shipping cost increased by 12%? 27:46 It must have 27:47 increased too. Will the packaging go up 27:49 ? It will go up 27:50 too. Will 27:51 the fertilizer go up? It will go up too 27:53 . Will the shipping costs go up? It 27:55 will go up too. Will the advertising 27:56 bill go up? It will go up too. At the 27:58 food stall, we eat at the food stall, 28:00 buy kale, it goes up, it doesn't go up, 28:03 so the increase is 12%, not just on 28:05 that product. So, uh, *multiplier 28:07 effect*of the increase, we don't know 28:10 how to calculate it. That's why we have 28:14 to be prepared. For retail, God willing 28:16 , uh, as long as there are people who 28:19 eat, it will still sell, especially for 28:21 basic food retail, sir. For basic food, 28:23 there's no stopping it, right? Well, 28:26 later it will be under pressure, be 28:28 careful. That's when life gets harder, 28:31 people will tend to need changes that 28:34 are primary in nature. Food, drink, yes 28:38 , clothing, food, shelter. Ee when the 28:41 laptop is not that important. So you 28:44 have to be careful later when you are 28:45 ready to go to the laptop, you have to 28:47 think about the strategy. At least when 28:50 it comes to laptops, you have to expand 28:53 the target market segment, right? Not 28:57 to people whose needs are only primary 28:59 and secondary, because laptops are 29:01 tertiary needs, third needs. But in any 29:05 condition, we can sell anything as long 29:08 as we find the right market, find the 29:12 right market. So we can't sell laptops 29:17 to vegetable sellers, right? 29:21 But when we sell rice to housewives 29:24 plus 1 kilo of catfish, free three 29:27 bundles of kale as a bonus, they'll 29:30 definitely want it. So, it depends on 29:33 what can be sold, right, as long as we 29:36 find the right target market segment 29:40 for the product and goods. Okay, many 29:44 people gave it a thumbs up, including 29:46 Mrs. Anggit. Oh God, amen. Amen. God 29:48 willing, hopefully I can become an 29:50 entrepreneur too. 29:51 Amen. 29:52 Erm, someone asked about the difference 29:55 between a conglomerate and a rich 29:57 person. What is it? 30:00 Well, by conglomerate, it means someone 30:03 has money that's above 10 trillion, 30:06 right? H 30:07 yes. If someone is rich, they can live 30:10 in a real estate complex, buy an Alpart 30:13 car, and then their monthly passive 30:15 income is, say, R billion, they are 30:18 considered rich, right? But wait, 30:20 there's a difference between being rich 30:22 and looking rich, and being 30:24 rich and looking rich. I 30:25 also have a friend whose cellphone is 30:28 the latest version of the latest iPhone 30:30 . Then he drives an Arvard car and then 30:33 changes it to real estate. But 30:35 everything can be bought on credit. 30:37 Well, that's what it means to look rich 30:39 . So, there's a difference between 30:40 being rich and looking rich. So, 30:42 there's a difference between wealth 30:44 style and lifestyle. Lifestyle is just 30:47 a show. Actually, he can't afford it, 30:49 but he wants to look," Wow, you're like 30:50 that, cool, you drive an Arpat car, you 30:52 have an estate house, you have a nice 30:54 cellphone, you use just and all that. " 30:56 That's artificial, right? Actually, if 30:59 the companions of the Prophet Muhammad 31:00 met Abdurrahman bin Auf, Abdurrahman 31:02 was a disgrace, his money was how many 31:04 trillions, 31:05 right? But when people meet him, he 31:06 just wears the same clothes as his 31:08 employees. So that's what being humble 31:10 is. So, uh, people say millionaire and 31:13 millionaire, millionaire, billion, 31:17 billion, billionaire. His money is only 31:20 billions, ma'am. But trillionaire is 31:22 already trillions. Billion is zero 9, 31:25 trillion is zero 12. What is meant by 31:27 conglomerate is that 10 people related 31:30 to him in Indonesia might have wealth 31:33 above tens of trillions, right? 31:35 Included eh conglomerate, eh project 31:39 season is conglomerate. There, he has 31:42 assets that are already trillions, if 31:44 millionaire is still categorized as 31:46 maybe just a rich person, right? 31:48 Okay, that's the difference in question 31:51 , so the 31:51 difference is in the numbers 9 12, 31:54 okay, what's his name? There's no name. 31:59 I heard that millennials are rich and 32:01 have a flood of fortune. So, what 32:03 should be mastered? To be rich, put it 32:07 as you 32:09 might imagine. But if the rich are just 32:11 sitting still, their fortune won't be 32:13 flooded. 32:13 Yes. What's the difference in the tools 32:15 ? Nowadays, people work 32:22 8 to 5, 8:00 AM to 0:00 PM, say they 32:25 get paid 10 million Rupiah a month. 32:28 Huh? 32:30 40 hours, eh, 60 hours a week, right, 32:32 Ms. Nuning? 32:34 Yes. Just divide that 10 million Rupiah 32:51 by 160 hours. How much is it per hour? 33:11 Meanwhile, there are people who only 33:14 play TikTok. Check, check... 33:18 In the chat, silver doesn't look like 33:20 he went to school. In the chat, 33:22 everything is silver 33:23 on the side of the road. 33:24 Yes. He just carries a barrel or cans, 33:28 begging for money, 33:29 right? So because he lacks knowledge, 33:33 he earns little. But when someone is 33:37 knowledgeable, what's the difference 33:39 between someone who works 8 hours a day 33:41 and earns IDR 10 million a month 33:43 and someone who only works 3 hours and 33:46 still works at home, in his living room 33:49 , lying down, but earns IDR 300 million 33:52 a month. I have an acquaintance in 33:55 America who happens to be my student of 33:59 the Koran and I now live in America. He 34:03 works from his living room and earns 34:06 IDR 19,000 a month for IDR 00 million. 34:10 What does he do? He just works in front 34:11 of a computer, tapping his armpits. But 34:13 who are his clients? His clients are 34:15 Facebook, 34:15 Google, YouTube. Why? He has coding 34:19 skills, programming skills. So 34:21 knowledge makes a difference in income, 34:25 right? So now is the modern era. Ee 34:28 earning money isn't as hard as it used 34:32 to be. 34:33 But the key is you have to be curious. 34:36 Keep digging. I'm still learning about 34:38 GPT chat, which is called prom engineer 34:41 . I'm still learning about metaverse 34:45 big data analysis, which is called old 34:49 two old three, which is also called web 34:53 3. I follow these developments. So I'm 34:56 updated. We can't be obsolete, left 34:59 behind because of what? Because of a 35:01 lack of knowledge. So if we have a lot 35:03 of knowledge, we can keep up with the 35:06 times, not be left behind, and God 35:09 willing, we will be more economically 35:12 prepared to face economic and political 35:15 turbulence that might occur from 2025 35:18 onwards. Who knows, we don't know 35:20 because predictions in the world say 35:21 that 35:22 World War III will definitely happen 35:24 and are predicted to happen in 2027, 35:26 and some predict it could be 35:28 accelerated to 2025. What's clear is 35:30 that Ukraine has now lost. Ee ee then 35:34 Syria, ee Basar Asad is fleeing. We 35:38 don't know what the impact on 35:40 geopolitics will be like. We will face 35:43 uncertain times from 2025 onwards. So 35:47 get ready, and the way we can be 35:50 faithful in facing the future is by 35:53 preparing for it. So being prepared, 35:57 wherever and whenever, is the most 36:00 important thing. 36:02 And sorry, regarding the 2.1 billion 36:08 Muslims. Is it rich enough? Yes, enough 36:20 like how many percent? I don't know the 36:22 data. But if we open it, just Google it 36:24 , eh 100 billionaires of the world 36:27 2024. The richest people in the world 36:29 on Forbes magazine's list of the 100 36:32 richest people, I haven't had a chance 36:34 to see if there are any Muslims, I 36:36 think there are one or two. Yes, one or 36:40 two. So it doesn't reach 3%, let alone 36:43 10%. In Indonesia, 1 to 10 seems to 36:46 only involve one Khairul Tanjung. So if 36:50 1 to ee 10, it's probably only ee 10%. 36:54 But if 1 to 100, it's probably only 36:58 around 2 or 2 3%. So it's not that many 37:01 , even though it's very sad. Wa inna 37:04 yarisunal ardhi min ibadah shihin. 37:06 Allah said so. Inna yaraldi min ibihin. 37:09 Indeed, we have bequeathed this earth 37:12 to our pious servants. But in reality, 37:14 it is not the pious who rule over it. 37:17 Therefore, wisdom is the lost property 37:22 of the believer. Anna wajada fahual haq 37:25 . Wherever he finds it, he has the 37:27 right to take it. That's why I said," 37:28 Let's take it. "My job is to awaken 37:30 this. Awaken the spirit, awaken the 37:33 passion, and the spirit. Let's go. So, 37:37 Muslims, I remember the saying that 37:40 Muslims must be rich, it is obligatory 37:44 to be rich 37:46 and it is obligatory to be pious. 37:47 Yes. So, Muslims must be rich, try 37:50 going on the Hajj, how many decades do 37:53 you have to wait in line? But if you 37:55 are rich, you can go on the Hajj 37:57 tomorrow, just pay 300 million Rupiah 37:59 and go straight away. So, this religion 38:02 does require capital. Hajj requires 38:07 money, fasting requires food, too. 38:11 Zakat requires food too. So, of the 38:14 five, there are only two. The free 38:16 Shahada and the free prayer. Prayer, if 38:19 you want to use it properly and well, 38:21 also uses money. So, that religious 38:23 obligation is why it is said that 38:26 Muslims must be rich. Why? With wealth 38:29 in the hands of believers, they have 38:32 faith, ee so ee yadul uliya khairu min 38:35 yadus sufla, the upper hand is nobler 38:38 than the lower hand. When Muslims are 38:40 rich, they prosper the earth and are 38:43 more useful, right? When we, Muslims, 38:47 are poor, given one carton of Indomie, 38:49 two cartons of cardboard, converting to 38:51 another religion is sad. Come on, this 38:53 is the time, the fourth phase is 38:55 approaching the fifth phase, ee than 38:57 the age of this Muslim community. So 38:59 it's time for all Muslims to think 39:01 about taking a role, and I take a role 39:03 because I work in the economic field, 39:06 in the business field. I invite you, 39:08 this religious struggle requires money. 39:12 Upholding Islam requires funds. Making 39:15 Islam successful requires capital. 39:18 Let's build together. Those who have 39:22 the inclination, those who have the 39:24 intention, those who have the muyul, 39:27 have the intention, ee to succeed. So, 39:30 what can success be like? Let's just 39:33 choose. I forgot who the cleric was who 39:35 said this. You can choose. 39:37 One, success as a cleric. Two, success 39:44 as a scientist, three, success as a 39:48 businessman. Or success with just your 39:52 strength. Umar bin Khattab was 39:58 successful as a statesman. Ali bin Abi 40:03 Thalib was successful as a scientist. 40:07 Yes, Abdurrahman bin Auf was successful 40:09 as a businessman. Bilal bin Rabah, he 40:16 wasn't rich, he wasn't smart. 40:19 Hmm. He wasn't very pious, he didn't 40:21 memorize much of the Quran. But he had 40:23 strength, right? So, contribute with 40:26 the best we have. Come on, let's 40:30 contribute to the glory of Islam. And 40:32 God willing, those who still have 40:34 Lailahaillallah Muhammad Rasulullah in 40:36 their hearts, God willing, we will all 40:38 be reunited in heaven, God willing. 40:40 Amen. Allahuma amen. So, success 40:44 depends on 40:46 where we choose to be? Where we want to 40:48 play our role? The simplest, which is 40:50 just a matter of strength, we can try. 40:52 Heeh. 40:53 Okay. Is there still anyone asking? 40:55 Let's see. Oh, from Mrs. Anggit, the 40:58 message was just about to be read and 41:00 it disappeared. Okay, from Mr. Jono, 41:04 thank you for the discussion this time. 41:08 I'll just pray that our people who are 41:13 indeed quite wealthy are concerned 41:18 enough about how this nation is getting 41:23 worse. Any idea if people as Muslims 41:29 want to become conglomerates, what is 41:33 the prayer? Ohoh. The prayer is to ask 41:39 Allah. 41:40 Yes, there are many. Ee how should I do 41:44 it? I have one prayer, but it's a bit 41:51 long, let's just say this. So this 41:54 prayer I got one from Ustaz Khalid 41:58 Basalamah, another from a ustazah in 42:01 Malaysia. When we are in really 42:02 difficult times, it's called the qurb 42:04 prayer. 42:05 H 42:06 qbr is Lailahaillallah azimul halim. 42:10 Lailahaillallah rabbul arsyil adzim. La 42:13 ilahailla rbus samawati warbul ardhi 42:15 warabbul arsyil karim. That's called 42:17 the qorb prayer. We ask with that 42:19 prayer, God willing, it will be 42:20 answered. One more prayer, the name of 42:23 ismul a'zam. The science of azam sounds 42:26 like this. Eh Allahumma inni as'aluka 42:30 bianni ashadu annaka antallah la 42:33 ilahailla anta ahadus somad. Lam yalid 42:37 walam yulad walam yakun lahu kufuwan 42:40 ahad. Laallah. Wala quwata illa 42:43 billahil aliyil adzim. Then ask for 42:45 what we want. Or like this. If you want 42:49 , I'll send it later, I'll give it 42:51 using a short voice note, you can WA me 42:53 . 0813 1961 8972. 0813 1961 8972. I'll 43:07 send it using a voice note so you can 43:12 read it yourself. 43:14 Okay, we've come to the end and the 43:18 discussion is related to how Muslim 43:21 conglomerates will be with their 43:24 activities in 2025. Hey, 43:27 this is just the last question about 43:31 the pillar that we have to hold on to, 43:35 what is the economic pillar, Ustaz? 43:41 Okay. The pillar that is held tightly. 43:45 Yes. So the economy is one pillar, eh, 43:48 what I'm calling, yes, calling, let's 43:51 call, 43:52 friends who think the same as me. Let's 43:54 think together, let's build together. 43:56 Some people say," Mak, Ustaz, that's 43:59 too big, Ma. We're just small. "Yes, I 44:02 say this, yes. Indeed, there are people 44:04 who are given places by Allah, given 44:06 big brains, think big things. The small 44:08 ones are small. So, don't force other 44:10 people's thoughts into our minds and 44:11 our thoughts into other people's minds 44:13 too. 44:14 So, we take the measure, take the place 44:16 , take the portion. But if this ummah 44:19 never has a Muslim conglomerate, 44:22 believe me, we have no funds, no 44:24 capital. We will continue to lose to 44:27 capitalists, lose to oligarchies. So, 44:30 how they have capitalist oligarchies, 44:32 infidel oligarchies, we must also 44:35 create Muslim oligarchies, Muslim 44:37 capitalists too, right? Because Allah 44:40 says aidahum min win ratil turhibuna 44:44 bihiallahuakum. So, apple to apple, as 44:47 long as we don't have him fighting with 44:50 brands, he fighting with atoms, we 44:52 still use slingshots, we will 44:54 definitely lose. So, today's program, 44:58 I'm trying to revive this nation. Come 45:02 on, one pillar that we must build so 45:04 that this nation can rise, this nation 45:06 will progress, this nation will develop 45:08 , this nation will be victorious, this 45:10 nation will be safe. When we have an 45:13 economic pillar, a capital pillar, we 45:16 must build Muslim conglomerates. Pious, 45:19 pious Muslim conglomerates who strive 45:22 in the path of Allah with their wealth 45:25 and lives to give birth to Islam, to 45:27 make Islam glorious. So that's my call 45:30 this morning, ee, what I want to convey 45:35 . My thoughts can be read in more 45:37 detail at bummpeduli.id. bummpeduli. 45:42 And for three books for three 45:43 generations, for the grandfather 45:45 generation, the father generation, and 45:47 the child generation, you can see at 45:49 valentinodinsi.com. 45:52 Yes, I think it needs to be added 45:56 regarding how to persuade the existing 46:00 conglomerates who happen to be Muslim 46:05 to care about the 46:07 first sentence, the winner takes it all 46:09 . Yes. When we don't win, we lose 46:12 everything. And indeed, I'm currently 46:15 thinking about conducting one-on-one 46:18 da'wah meetings with true Muslim 46:20 conglomerates, like Khairul Tanjung, 46:23 Sandiaga Uno, and Nurhai Subakat. In 46:26 2025, I will meet with such people to 46:30 convey my thoughts and ideas. I've also 46:34 prepared a written walking paper. At 46:36 the very least, my thoughts will be 46:39 spread through radio, TV, writing, 46:42 websites, and so on. And maybe I'll 46:45 also meet them one by one, because I 46:48 think enough is enough. Well, action is 46:52 louder than speech; movement speaks 46:55 louder than just talking. So, 46:59 at least I've done something. Let's 47:03 raise this issue together. If we raise 47:05 it together, it feels light, and God 47:08 willing, we can raise it. 47:11 Thank you very much. Today's discussion 47:14 is extraordinary, if we persuade our 47:18 people who are economically capable and 47:21 also have capital pillars that are 47:25 beneficial because they are pious and 47:28 care about us, the common people. What 47:33 is clear is that the kurb prayer is 47:35 what we should prioritize, we should 47:38 say it more often, we should recite it. 47:41 And once again I would like to give you 47:43 the phone number of Ustaz Valentino 47:45 Dinsi. If there is anything you want to 47:49 ask, 0813 1961 8972. Once again, 47:58 081319618972. Hopefully our time 48:05 together this time is useful. We will 48:08 meet again next year, next month in the 48:11 fourth week which will also hopefully 48:14 be a piece of the event that makes us 48:17 much more able to position ourselves 48:20 according to what we want. Once again, 48:23 thank you Ustaz Valentin 48:26 Billahi taufik wal hidayah. 48:27 Wassalamualaikum warahmatullahi 48:29 wabarakatuhikum. 
