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0:14 In the name of Allah, the Most Gracious 0:15 , the Most Merciful. Peace be upon you, 0:16 and Allah's mercy and blessings. O 0:18 Allah, send blessings upon our master 0:19 Muhammad and the family of our master 0:20 Muhammad. Praise be to Allah, we meet 0:23 again today, Wednesday, December 7, 0:26 2022, or the 13th of Jumada al-Awwal 0:29 1444 Hijri. As usual, Radio Silatim 0:32 Darasil TV via YouTube presents our 0:34 guest program. We are hosting a man 0:38 whom, God willing, you are already well 0:39 acquainted with. He was born on the 0:42 21st of November in the year 2. Then, 0:48 he went to elementary school in Parakan 0:50 . In Central Java, right? 0:51 Yes. 0:52 Then where did you go to junior high? 0:54 Temanggung or where? High school was 0:56 also in Temanggung. Um, where did you 0:58 go to college? 0:59 Eh, at IPB, Ma'am. 1:00 Oh, yes, yes, at IPB. At IPB, you 1:02 studied food science, right? 1:03 You have already heard his voice, right 1:05 ? 1:06 Um, if you have ever shopped using 1:11 dinar or dirham, well, this is the 1:12 father of the dinar. We will take on 1:17 the theme of what you need to know 1:20 about dinar, dirham, and fulus. It 1:23 turns out "fulus" isn't in the sense of 1:25 currency or money, but it does have a 1:27 definition. What is fulus? It will be 1:30 explained later by, uh, Ir. Zaim, Zaim 1:35 Saidi, MPA. But we'll just call him 1:38 Amir Zain, okay? 1:40 Peace be upon you, Amir Zain. And peace 1:42 be upon you, and Allah's mercy and 1:43 blessings. Okay, Amir Zain, what you 1:46 need to know about dinar, dirham, and 1:49 fulus. Now, I also don't know, because 1:52 there are Kuwaiti dirhams, there are 1:54 dirhams...eh... 1:55 What...Bahrain, how can they be 1:58 different like that? Can you explain 2:01 one? 2:02 Um, there is something that really 2:04 needs to be clarified regarding dinar, 2:06 dirham, and, um, fulus. Yes. 2:09 So, what we first need to know is that 2:12 dinar and dirham are gold coins for the 2:14 dinar, and dirham are silver coins, 2:16 while fulus are copper coins. 2:20 This is a legacy that was taught by the 2:22 Messenger, peace be upon him, and 2:24 actually, it’s not just from the 2:26 Messenger, peace be upon him, but all 2:28 messengers and prophets used currency 2:30 ...well, not currency, they used gold, 2:32 silver, and copper money. So, 2:34 historical records show that the one 2:36 who first made these coins was the son 2:39 of Prophet Adam. One of the sons of 2:41 Prophet Adam. 2:42 Oh, is that so? 2:43 Yes. And it was then used throughout 2:45 human history because this is fitrah ( 2:47 natural inclination). In fact, in the 2:49 Quran, it is mentioned about gold and 2:51 silver. Now, as for what is currently 2:55 used as names for paper currency, like 2:58 the Iraqi dinar, Moroccan dirham, or 3:01 the Yugoslav dinar. Even their currency 3:04 is called dinar because they used to 3:06 continue the tradition of the Ottoman 3:08 Empire, right? 3:09 Now, these are just names attached to 3:11 paper money, just like the rupiah. The 3:13 rupiah was a silver coin. 3:15 Yes. 3:16 Or the riyal, that was also a silver 3:18 coin. So, all 3:20 money that existed before the riba ( 3:22 usury) system was definitely made of 3:25 gold, silver, or copper. Depending on 3:28 the value 3:29 that was determined. And the one who 3:31 determines this value is Allah 3:32 Subhanahu wa ta'ala. Yes. 3:33 Gold cannot have its value confused 3:36 with silver or copper. So, if we open 3:40 the Quran, it is already determined 3:41 that whenever large values are 3:43 mentioned, gold is the standard. 3:45 So the price of a goat in the time of 3:46 the Prophet should be the same as it is 3:48 now. 3:49 The same, even before the Prophet, 3:50 peace be upon him, in the Roman era, it 3:52 was the same, it doesn't change, like, 3:54 for example, this 3:56 these glasses. 3:57 Yeah. Yes, glasses. 3:58 Do they ever change? 3:59 Uh-huh. 4:00 Ten years ago, today, and until ten 4:02 years from now. 4:03 Right? 4:05 So, the issue becomes what is used to 4:07 exchange them. 4:09 If what is used to exchange them is 4:11 silver, the silver also does not change 4:12 . 4:14 So, the goat and the dinar do not 4:15 change. But once it's replaced with a 4:17 piece of paper 4:18 uh 4:19 which we then call paper money, it has 4:21 no value. Uh. 4:23 Like that. Especially since, by 4:24 mechanism, it is continuously printed. 4:26 Uh-huh. 4:27 So it keeps declining, and declining, 4:28 and declining. 4:29 They even say paper money will be 4:30 replaced again with plastic money. 4:32 Well, soon it will be the end of it, 4:33 paper money will no longer exist. It 4:36 even passed plastic money, now it will 4:38 be digital money, right? 4:40 Digital money. 4:41 Digital money means it has no physical 4:43 form. 4:43 Hmm. 4:44 We use gadget instruments for that. 4:46 Yeah. Uh. 4:47 Like that. Well, that is where 4:49 this will also accelerate the return of 4:51 gold and silver. People will actually 4:54 have two choices. The choice is between 4:57 a virtual, fake medium of exchange with 5:00 no value, or a real medium of exchange, 5:02 namely gold and silver. That the 5:05 instruments used are the same. Yes, it 5:08 can be. 5:09 Like that. The difference is, as 5:11 mentioned, if it's cryptocurrency or 5:13 cryptofiat, like the one Bank Indonesia 5:15 will create, which was just announced 5:17 yesterday 5:19 it has no physical form. Uh-huh. 5:21 But we can make the technology the same 5:24 , using blockchain. Uh-huh. 5:27 But it's called a security token. Where 5:30 the dinar and dirham 5:32 contain gold and silver. 5:35 So this is just an intermediary in the 5:37 transaction. So if people say we are 5:39 going back 1,500 years, that is not 5:41 true. Gold and silver are the future. 5:45 Like that. And that is a choice that, 5:48 well, we'll see. Knowing religion, yes. 5:51 And knowing religion. 5:52 Gold and silver are recognized and used 5:55 by all religions. 5:56 Okay. 5:57 Now, that is another misconception, 5:59 that this is Islamic radicalism, using 6:01 gold and silver dinars; that is a big 6:03 mistake. That is a big mistake. 6:07 Zaim Saidi almost had legal trouble 6:09 with the police too for creating that 6:12 muamalah market, right? 6:14 Yes, that's correct. So, as I said, we 6:17 want to restore the function of gold 6:19 and silver as a medium of exchange and 6:21 payment. Because Allah Subhanahu wa 6:23 ta'ala prohibits gold and silver from 6:25 just being hoarded. 6:27 They must circulate as a means of 6:29 payment. Because of that, we facilitate 6:32 it by creating a market where people 6:35 are free to use their medium of 6:37 exchange. Well, certainly the best ones 6:40 are those made of gold and silver, and 6:42 they are called the dinar and the 6:44 dirham. Yeah. 6:45 Well, it turns out there were people 6:46 who provoked this. As if we were using 6:48 a foreign currency just because of the 6:49 name, right? 6:51 And then there were also those who even 6:53 claimed this was Islamic radicalism; 6:54 gold and silver have no religion, right 6:56 ? Well, in the end, the authorities 6:59 were indeed unwise. The authorities 7:02 were swayed by the provocation and just 7:04 went ahead with arrests. And it was 7:07 proven that the judges in court said 7:10 there were no violations, no laws were 7:13 broken, so they were proven innocent 7:15 and given an absolute acquittal. 7:18 Okay, Iwan Darwat, we are still talking 7:20 with Saidi, MPA. He is also an author. 7:28 He has written so many books. There are 7:30 16 books if I'm not mistaken, including 7:32 the gold euphoria, then the dinar and 7:35 dirham, and the just judge. This is the 7:37 defense plea for the Muamalah market 7:38 case. Then also the path to Allah. This 7:42 is also a work by 7:43 No, that one is by Sheikh Abdul Kadir. 7:45 Oh, Sheikh Abdul Qadir As-Sufi, right? 7:47 He is our teacher. 7:48 Okay. All right. Our theme today is 7:53 what you need to know about the dinar, 7:58 dirham, and fulus. Let's start with the 8:01 dinar first, okay? What is a dinar? 8:03 So the dinar is, and the dinar is 8:05 mentioned in the Qur'an, yes. The dinar 8:08 and dirham are mentioned in the Qur'an. 8:10 Fulus is not? 8:11 So the dinar is a gold coin that was 8:13 then established by the Messenger, may 8:14 Allah bless him and grant him peace, 8:16 following the previous existing 8:18 traditions. Yeah. 8:19 Namely 4 1/4 grams. So the one who 8:22 determined why a dinar is 4 1/4 grams 8:23 of gold, or what is called one misqal, 8:25 is the Messenger, may Allah bless him 8:27 and grant him peace. Yeah. Then the 8:29 Messenger also said that every seven 8:31 misqals is equal to 10 dirhams. And 8:34 from there, it was found that 1 dinar 8:37 is 4 1/4 grams of gold, while 1 dirham 8:40 is 2.975 grams of silver, 8:43 like that. That is it. So, throughout 8:45 the course of history, our context here 8:48 , especially for Muslims, is that since 8:51 the time of the Messenger, may Allah 8:53 bless him and grant him peace, they 8:56 have already been using gold coins, but 8:58 not the dinar. Yeah. 9:01 Right? Then starting with Caliph Abu 9:04 Bakr, it was still the same. Then, 9:07 Caliph Uthman started to have silver 9:11 coins. 9:11 Hm. Caliph Umar then established, so he 9:15 realized what was determined by the 9:17 Messenger, may Allah bless him and 9:19 grant him peace. The Messenger, may 9:21 Allah bless him and grant him peace, 9:21 had only provided the theory, 9:22 that 1 dinar is so much, 1 dirham is so 9:24 much, but he hadn't minted them yet, 9:26 because politically the power was still 9:28 with the Romans as the rulers of the 9:30 dinar. 9:31 What was the currency of the Romans at 9:32 that time? 9:32 Gold. 9:33 Gold. 9:33 And from the east, there was Persia, 9:35 whose currency was silver. 9:36 Silver. Now, the Prophet used both, but 9:38 then the provisions were changed 9:41 into a 7 to 10 ratio. And that is what 9:44 was later standardized by Umar ibn 9:46 al-Khattab. 9:47 And that is why we recognize the 9:49 standard currently in effect as the 9:50 standard of Caliph Umar. Well, but gold 9:54 still didn't exist because politics 9:55 were still controlled by the Romans. 9:57 Only after the era of Malik bin Marwan, 10:01 approximately, er, in the 700s or 10:05 er, basically the first dinar was 10:08 minted by Malik bin Marwan. Then he 10:11 said, "This is the Islamic gold 10:13 currency." 10:15 And thus, gold from the Romans was no 10:17 longer used. Now, since then throughout 10:21 the journey of all caliphs, all sultans 10:23 including in Indonesia, in this 10:25 Archipelago who used gold and silver 10:27 h 10:28 as their medium of exchange. And for 10:30 the small change, it was fulus. Now, 10:33 fulus is, er, specific because it is a 10:37 coin. 10:37 Fulus does not mean money, yeah, 10:38 no. That is modern Arabic that 10:42 that, er, slipped up 10:43 in saying that paper money is fulus 10:47 like that. It's true in the sense that 10:49 paper money has no value, just as fulus 10:51 has no value. 10:52 So, a person who is bankrupt is called 10:54 a muflis, right. Someone who only has 10:56 fulus and doesn't have gold and silver 10:58 is called a muflis. A bankrupt person. 11:01 So, if we apply it to everyone today, 11:03 even if they are a millionaire but 11:04 their money is paper money, they are 11:06 actually a muflis, bankrupt, they have 11:08 nothing, right. So, back to the 11:11 definition, er, this copper money is 11:14 for small change to buy crackers, to 11:16 buy candy, to pay for parking, for 11:18 example, in the current context. 11:21 What is the smallest value? 11:23 Well, now what we are applying here is 11:26 one fulus is 1/24 of a dirham. like 11:30 that. So if converted to rupiah, 1 11:32 dirham is now 73,500. So one fulus is 11:36 approximately 3,300. 11:38 Now, the coins available today are 2 11:40 fulus and 3 fulus 11:41 like that. So, if, er, you buy cheap 11:44 things, you use fulus. But once it 11:46 reaches 12 dirhams 11:48 meaning 12 fulus, there is already a 11:50 half-dirham coin. You must use a 11:51 half-dirham. 11:52 Hm. Like that 11:53 like that. Especially 1 dirham. So you 11:55 cannot buy a, eh, buy a chicken with 11:57 fulus. 11:58 Hm. like that. Because fulus is only 12:01 for true small change, that is the 12:02 difference with fiat money. Fiat money, 12:04 1,000 rupiah coins collected in a sack 12:06 can be used to buy a motorcycle. 12:08 Yes. 12:08 Well, fulus cannot. 12:09 Oh, 12:10 unless the value is equivalent. So, for 12:12 example, if the equivalent is five 12:14 sacks, then it must be five sacks of 12:16 copper for one motorcycle. And the 12:18 second is, er, dinar and dirham are 12:21 subject to zakat and must be used as a 12:24 means to pay zakat. Fulus is not 12:27 subject to zakat and cannot be used to 12:29 pay zakat. So, fulus is not wealth. 12:33 Fulus, in today's language, is currency 12:35 , just a medium of exchange but its 12:37 value is small 12:39 like that. 12:39 Okay. Then the emergence of paper money 12:42 like the dollar, rupiah, and others, 12:44 that's a long story. 12:45 Yes. This is a long history. It is a 12:47 long history but actually, er, its 12:50 emergence began when riba (usury) was 12:53 legalized. So, er, paper money is the 12:57 most systematic instrument of riba, yes 13:00 . So, it actually started at the same 13:04 time as the emergence of what is called 13:07 a central bank and the subsequent 13:09 emergence of, well, the framework for 13:11 it, which is the fiscal state. Where 13:14 this fiscal state is financed by debt, 13:17 and that debt bears interest. Now, so 13:21 to be able to inflate that wealth, 13:24 paper was created. Because if it were 13:27 gold, it would be limited. 13:28 Yeah. 13:29 So, 1 kilo of gold is just 1 kilo. 13:31 Yeah. 13:33 Now, meanwhile, in a usury system, or 13:35 in modern language, a capitalist system 13:38 , everything must be able to be 13:40 inflated indefinitely. Yeah. 13:43 So paper was created. 13:45 Yeah. 13:46 Now, but initially, paper was created 13:49 only to represent, to represent this 13:51 gold. So what is called a certificate. 13:54 So originally, money was gold and 13:56 silver, right? Then they said, "Ah, it 13:58 might get lost or be heavy, just 14:00 deposit it with us." It was deposited 14:02 with the... 14:04 uh, what we call bankers today. Then 14:07 they issued a receipt. 14:08 Yes, 14:09 like that. Now, that's why officially 14:11 paper money is called a promissory note 14:13 , 14:14 a debt promise. Because the debt was 14:16 the gold and silver that was deposited. 14:18 At one point, this was erased. They 14:21 said, "Fine, this is now guaranteed by 14:23 the government through law that this 14:25 paper has the same value as gold." 14:27 Yeah. 14:28 So initially, this could be claimed, 14:30 the gold retrieved, and the receipt 14:31 returned. Now, you can't. 14:33 Hmm. 14:34 But if we ask the central bank that 14:36 creates this paper money, what is this 14:38 paper money? They still say that this 14:40 is our debt to the public. 14:42 Yeah. 14:42 But when asked, if so, then return 14:45 my gold and silver. They say, well, 14:47 there isn't any. 14:48 In other words, paper money today is a 14:51 hollow promise that will never be 14:53 fulfilled. 14:54 Hmm. 14:55 Like that. Because from the moment it 14:58 was printed, it was printed as debt and 15:00 was never intended to be paid off. 15:02 Yeah. 15:03 Now, so it was even done through law. 15:06 So if we remember the year 1946, in the 15:11 context of Indonesia, there was Law 15:13 Number 19 of 1946, which stated that 15:16 the rupiah currency was valued at Rp10 15:19 = 5 grams of gold. 15:21 Yeah. 15:22 And to this day, this law is still in 15:24 effect. So if we have this Rp 100,000 15:29 note, 15:30 Yeah. 15:30 this means Rp 100,000/2 = 50,000 grams 15:34 of gold. 15:35 Hmm. So 50 kilos of gold. 15:38 That's high, right? 15:39 Oh yes. But then this promise couldn't 15:42 be fulfilled because their gold was no 15:43 longer there. And secondly, the value, 15:46 which was originally Rp2 for 1 gram of 15:48 gold, is now completely out of control. 15:51 Yeah. 15:51 Right, the form of the Rupiah no longer 15:53 even exists. Yeah. 15:55 Like that. So because of that, what we 15:57 feel as a society is that day by day, 16:00 prices just keep rising. 16:02 Yeah. 16:02 People call it inflation. Yeah. 16:05 Now, that is the result of this 16:08 paper money system, and now it has 16:09 changed again to digital. It doesn't 16:11 even have a physical form anymore. So, 16:12 because of that, return to what was 16:14 taught by the Prophet sallallahu alaihi 16:16 wasallam. Use gold dinars and silver 16:18 dirhams, and fulus for small change, 16:20 then the society will never become poor 16:22 . 16:23 As Mas Krishna said, from the Roman era 16:25 and the Prophet’s time, one gold 16:27 dinar could get you one to two goats. 16:30 Depending on the size. H 16:32 The big one gets you one, the small one 16:33 gets you two, like that. Today it is 16:35 the same, and this has been circulating 16:38 for 20 years, it's been the same for 20 16:40 years. 16:40 Masyaallah. 16:41 In the year 2000, early 2001, 2002, the 16:44 price of a goat was 400,000 Rupiah. 16:48 1 dinar was 400,000 Rupiah. Today, one 16:51 very large goat is 4 million Rupiah. 16:53 Now, 1 dinar is roughly 4 million 16:54 Rupiah. 16:56 Masyaallah. 16:56 Like that, you see. So, as long as 16:58 society continues to use only paper, 17:02 they will get poorer every day. 17:07 Okay, Iwan and Awat, we are still 17:09 talking with Mr. Ir. Zaim Saidi, MPA. 17:14 He is a person who cares deeply about 17:18 the dinar and dirham. Because the title 17:21 is also what you need to know about the 17:24 dinar, dirham, and fulus. Uh, uh there 17:29 is a question from a listener. Peace be 17:32 upon you, Mr. Zaim Saidi. Why did paper 17:38 money come to exist? Why can't it last 17:42 until now? 17:44 Yes, because paper money is a deception 17:47 . 17:47 Paper money is a deception. Just look 17:49 at what the difference is between these 17:51 two pieces of paper. Right? It’s just 17:54 a different picture. 17:55 Yeah. But one is said to have no value. 17:57 The other is said to have a value of 17:58 100,000 Rupiah. Heh. 17:59 And 100,000 Rupiah means two chickens, 18:02 right? Uh, 6 kilos of rice 18:06 or maybe, uh, 5 gallons of water, right 18:09 ? Now, this still can't be used for 18:11 anything, 18:12 like that. So, basically, we are just 18:14 made to believe. We are made to believe 18:19 that this has value, and it was 18:21 continuously printed and then entered 18:24 into a system called 18:26 banking. Society, even people who work 18:29 at banks, don't understand how banks 18:32 work. 18:32 We are always taught, what is the work 18:34 of a bank? A bank's job is to collect 18:36 public funds and then distribute those 18:38 funds to those who need them. We are 18:40 taught that, but that is a lie. 18:42 Actually, 18:43 actually, a bank's job is to collect 18:45 100,000 Rupiah in funds from the public 18:47 , 18:49 but then it lends that money out to the 18:51 public tenfold. 18:53 Hm. 18:54 So, a bank's job is to print money. If 18:57 someone borrows money, they print money 19:00 . Now, here is the explanation so it's 19:02 easier to understand. I have 100,000 19:03 Rupiah here. 19:04 Okay. 19:05 Then Mas Krishna borrows it. Do I still 19:06 have my money? 19:07 No. 19:08 It's gone. Only when it's returned does 19:10 it exist again. Now, if 19:12 someone borrows money from a bank, the 19:14 bank has 100,000 Rupiah here. 19:15 Then it's borrowed by a customer for 19:17 100,000 Rupiah. 19:18 Yes. 19:19 Does the bank's money still exist? 19:20 It still does. 19:21 Yeah. 19:22 It even increases because the bank then 19:23 has a receivable of 100,000 Rupiah. 19:25 Right? 19:25 Yeah. 19:26 becoming 200,000 Rupiah. 19:27 Uh-huh. 19:28 Right? So what was initially 100,000 19:30 Rupiah instead becomes 200,000 Rupiah. 19:31 So if someone else comes to borrow 19:33 money, they can even lend out 200,000 19:35 Rupiah. So when they lend out 200,000 19:39 Rupiah, does their money increase? It 19:41 adds 300,000 to become 500,000 Rupiah. 19:44 100 + 200 + 200 and so on. 19:47 Like that. But does the money exist? 19:50 The money is only 100,000 Rupiah. 19:52 That's why today we keep seeing people 19:54 lose their money at the bank. 19:56 Yeah. 19:57 The money isn't there, or it suddenly 19:58 becomes empty, or when you want to 20:00 withdraw it, it's gone. So I always say 20:02 that it's the most unsafe place to keep 20:04 your wealth. Banks are the most unsafe 20:06 places to store wealth. 20:08 Where is the insecurity? 20:09 Before we even go there, our money is 20:11 already gone. 20:12 Uh. 20:13 Well. Then if we come and withdraw 20:15 money, whose money is being given to us 20:18 ? 20:18 Someone else's. 20:19 Money from other people who came to 20:20 deposit it is given to us. 20:21 It's a different account number. 20:22 A different number, you see. So, 20:24 banking is essentially a chain scheme 20:26 or a money game. But because it's so 20:30 huge and always supported by the 20:32 government, if anything happens, they 20:34 bail it out, bail it out, as if there's 20:36 no problem at all, right? So, that is 20:41 what causes the value to keep 20:43 plummeting because it really doesn't 20:45 have any value. Now, let's go back and 20:49 compare it with gold and silver; those 20:51 are real. If my one gold piece is 20:54 borrowed, it's gone and can't be lent 20:56 to someone else. 20:58 Because it's already empty with paper 21:01 money, since it's just a book, it's 21:03 only a record of debts and receivables. 21:06 From 100, it can become 10,000 or 21:09 100,000 Rupiah. In other words, banking 21:12 lends out money that isn't theirs. One. 21:16 And second, it's even created out of 21:18 thin air. 21:20 Just a record in their balance sheet, 21:22 in their books. That's it. 21:24 Okay. Alright, let's answer the 21:26 questions first. Peace be upon you, Mr. 21:29 Zaim Saidi. 21:31 Peace be upon you too. Mr. Zaim Saidi, 21:33 what if I sell my house and get a large 21:36 amount of money, but I want to convert 21:39 it to dinars, how do I do that and 21:41 where do I store it safely? 21:45 Well, first, of course, you just 21:46 exchange it. Nowadays, there are 21:48 already many dinar coins in circulation 21:50 , right? Now, it's also important to 21:53 understand that if it's a large amount, 21:58 you'll surely store it, and if it 22:01 exceeds 20 dinars, it must be zakat-ed 22:04 every year. 22:07 Now, as for where to store it, store it 22:09 in a place that only you and Allah know 22:11 about. 22:13 There is no special bank for that, 22:14 certainly. 22:15 Not at the moment. It doesn't exist yet 22:17 . Later, there will be something called 22:18 wadiah. You can deposit it in a wadiah 22:20 place. 22:21 Well, before this wadiah (custody) 22:23 existed, it was kept by oneself in a 22:25 safe place. Because, of course, it’s 22:28 in physical form. 22:30 In the form of physical coins that must 22:32 be kept very carefully. 22:33 Okay. Peace be upon you, Rasil. I am 22:37 very happy that Rasil has invited Mr. 22:39 Zaim Saidi. I have been looking forward 22:41 to this, Mr. Zaim. I want to ask, what 22:45 is the difference between a dinar and 22:47 regular gold, or gold bars? 22:50 Well, the difference is like this. We 22:52 must first realize that God created 22:54 everything with a purpose. 22:55 Yes. 22:57 With a purpose intended by Allah 22:58 Subhanahu wa ta'ala Himself. Allah 23:01 Subhanahu wa ta'ala created teak wood 23:03 because it was given to us for wooden 23:05 items, tables, chairs, and so on. Allah 23:08 Subhanahu wa ta'ala created goats so we 23:10 could eat goat meat and use their hides 23:12 for various things. 23:13 Now, Allah Subhanahu wa ta'ala created 23:15 gold and silver as a medium of exchange 23:16 , 23:17 as money. 23:18 And because of that, hoarding gold is 23:20 forbidden. 23:21 Yeah. 23:22 That's it. There is a zakat obligation 23:24 and so on. So, what is the difference 23:27 between gold and a dinar? Gold is 23:30 a form of wealth hoarding forbidden by 23:33 Allah Subhanahu wa ta'ala. And why is 23:36 it made into bars? So it can be hoarded 23:38 . So that paper money continues to be 23:40 used. Yes. 23:42 Like that. So, our task now is to take 23:45 this gold, mint it into coins, and use 23:48 it as a medium of exchange. If someone 23:52 has excess wealth and saves it, 23:53 that’s no problem. But gold should 23:56 not just be hoarded. And why are we 24:01 using paper money now? We are addicted 24:06 and don't realize that the result is we 24:11 all become poor. 24:14 Like that. That is why whoever owns 24:16 gold bars, turn them into gold dinar 24:19 coins. Yeah. 24:20 Like that. Imam Ghazali said, "A person 24:24 who has gold and silver wealth and does 24:27 not use it, does not spend it, does not 24:30 circulate it, is an ungrateful person." 24:34 Hmm. 24:35 And those who turn these dinars and 24:38 dirhams into jewelry. Jewelry is halal, 24:41 right? But Imam Ghazali said that those 24:43 who turn dinars and dirhams into 24:45 jewelry are evil people. 24:47 Why? Because they prevent it from 24:50 circulating, from being exchanged for 24:52 goods and services. 24:54 But this can still circulate, it can be 24:55 sold. 24:57 Even if it's sold, the tool to pay for 25:00 it must be in the form of dinar and 25:02 dirham coins. 25:04 That's it. Moreover, if it's in the 25:05 form of bars, it means it will 100% 25:07 never circulate. 25:09 Hmm. 25:10 It becomes a commodity, and what is 25:12 used as money is paper. This alone is 25:15 already a deception. Just imagine. Gold 25:18 from the Roman era has not changed in 25:20 value, exchanged for paper that was 25:22 worthless in the past and will be 25:24 worthless tomorrow. Yes. 25:26 It only has value right now. 25:28 Yes. 25:28 And its value keeps changing. You could 25:30 get 50 kilos of eggs. Remember back 25:33 when Mr. Harto stepped down, you could 25:35 get 50 kilos. 1 kilo of eggs was only 25:38 2,000 rupiah. 25:39 Today, if you use that money to buy 25:41 eggs, you only get 3 kilos. 25:43 Yeah. The same 20,000 Rupiah. Where did 25:45 the other 40 kilos go? So, that 25:50 happened because we forgot that Allah 25:53 Subhanahu wa ta'ala has given us a 25:55 medium of exchange that will not lose 25:58 its value, namely gold and silver. 26:01 Okay. From Mrs. Wati. Assalamu'alaikum. 26:07 Wa'alaikumussalam. Um, Mr. Saidi, I 26:10 want to ask, why doesn't Saudi Arabia 26:12 use the dinar and dirham? 26:15 Well, they used to, because back then, 26:17 all Muslim and non-Muslim countries 26:19 used gold and silver as their currency. 26:23 When the riba system was later enforced 26:25 , Saudi Arabia became a fiscal state, 26:27 just as I explained. So the riyal 26:30 was originally a silver coin. Yeah. 26:33 A silver coin weighing 11 grams. 26:35 It was all the same, then it was 26:37 replaced with paper. 26:38 Right? And even more so when oil was 26:40 discovered. 26:41 Yeah. 26:42 When oil was discovered back then, the 26:44 Saud family still said, "I will only 26:46 hand over my oil if I am paid in gold." 26:49 Yeah. 26:50 Right? Now, the oil traders from 26:52 America, especially, wouldn't have that 26:54 . Why should I pay 26:55 for your oil with gold? Eventually, 26:57 they created what is known as the 26:58 petrodollar. 27:00 Like that. So that now, for oil, the 27:02 only payment method that can be used is 27:05 the United States dollar. That is what 27:09 later influenced the Saudi Arabian 27:11 state system, which also adopted a 27:13 fiscal state system and even pegged the 27:15 riyal to the US dollar. 27:18 Yeah. 27:18 It's just that the values are different 27:20 , but it's fixed. So the riyal and the 27:23 American dollar are just different 27:24 faces, different pictures. Yeah. 27:25 But every 1 American dollar is equal to 27:28 3.8 or how much, around 3, if I'm not 27:33 mistaken, 3 riyals. So to answer the 27:36 question of why Saudi Arabia 27:38 does not use them 27:38 well, it's because they use the same 27:40 system as other countries all over the 27:42 world. 27:43 Like that. They no longer use the 27:45 principles of Islamic Sharia. 27:47 Like that. Okay. Then, where was the 27:50 next one Oh, this one disappeared from 27:55 YouTube, it was a question from Mr. 27:57 Budi. Mm. Assalamu'alaikum, Mr. Zaim 28:01 Saidi. Can 28:02 Wa'alaikumussalam. 28:03 the dinar and dirham be used for 28:04 investment? 28:06 Now, we need to clear up this 28:08 definition of investment. Investment is 28:10 toxic. Investment is a terminology 28:14 within the riba system. Because what is 28:17 understood as investment today is: let 28:19 your money sit, sit back and relax, and 28:21 let your money make more money. 28:23 So, money breeding money. In the past, 28:25 people used to call that "babi ngepet"( 28:26 a mythical wealth-generating demon). 28:28 Right? So, gold and silver are not 28:30 investment tools. Gold and silver are 28:32 payment tools, mediums of exchange, 28:35 tools to pay Zakat, to buy goods, and 28:37 so on. You can save them. But 28:40 investment implies that you are making 28:43 something productive to generate money. 28:46 So, 28:47 income. 28:48 Passive income. But we are now taught 28:52 that 99%or 95%of passive income is riba 28:57 . 28:57 H 28:59 The only halal passive income is when 29:01 we rent out assets, rent out cars, rent 29:03 out machines, rent out houses, 29:06 owning a hotel, right? Now, that is 29:08 passive income. That is halal because 29:10 it is part of trade. 29:12 Everything else, passive income in the 29:15 form of deposits, stock trading, or 29:17 mutual funds, is all riba. H 29:20 like that. So, gold and silver are not 29:23 meant for usurious investments like 29:25 that, but their value does not change. 29:30 Yes, that's right. In other words, 29:32 holding gold and silver doesn't make us 29:35 rich, 29:36 it doesn't change, but it won't make us 29:38 poor, 29:41 because we aren't holding the tool that 29:43 makes us poor, which is paper money, 29:45 that's roughly it. 29:47 Okay, next is a question from YouTube, 29:49 Mr. Faris Fatur. The best book on dinar 29:54 and dirham so far is "Eforia Emas," 29:57 published by Pustaka Adina and written 30:00 by Mr. Zaim Saidi. It can be purchased 30:04 at Tokopedia Pustaka. Then from Fori, 30:08 um, 30:10 systemic and massive poverty exists 30:12 because paper money is a usurious 30:14 system. Then Ahmad Saiful asks, what 30:18 makes storing dinars and dirhams haram, 30:20 Ustaz Zaim? What is my answer? What, 30:25 what is the answer? I would like to 30:28 thank Mr. Ahmad Saiful, 30:29 yes. So, we must distinguish between 30:33 saving, storing, and hoarding. Right? 30:37 Storing means we keep it for a time 30:40 um, to be used. 30:42 like that. Likewise, saving is to be 30:44 used for specific needs. For example, 30:47 saving for education fees, or 30:48 preparation for health expenses in old 30:51 age, and so on. The third is hoarding. 30:54 Hoarding has no purpose. Just keeping 30:56 it, piling it up, stacking it, stacking 30:57 it. Now, regarding gold and silver, 31:01 there is already a provision that if 31:04 someone owns 20 dinars or 200 dirhams, 31:07 then every year, zakat must be paid, 31:10 like that. So, legally, it no longer 31:13 falls into the category of hoarding, 31:16 like that. Now, there is a second issue 31:19 that the public must understand: 31:21 storing or saving dinars and dirhams is 31:23 certainly halal, as long as zakat is 31:25 paid if it reaches the nisab. but it 31:27 must not be converted back into paper 31:29 money, 31:31 like that. Right now, because people 31:32 are wrongly taught that gold is an 31:34 investment tool as mentioned earlier, 31:37 they hoard gold, 31:38 which will one day be converted back 31:40 into rupiah. 31:42 Now, in the case of dinars and dirhams, 31:43 we 31:44 should not convert them back because 31:46 they must be used so that they continue 31:48 to circulate from hand to hand. The 31:50 primary use is first for zakat, like 31:52 that. So, paying zakat al-mal is 31:55 mandatory only with gold dinars or 31:57 silver dirhams, like that. that is the 32:00 provision. 32:01 But the zakat recipient will convert it 32:03 —which is why there must be a 32:05 muamalah market, or rather, markets 32:07 that accept payments in dinars and 32:10 dirhams, 32:11 so it doesn't turn back into rupiah. So 32:13 , the muamalah market for which I was 32:15 wrongly imprisoned before being tried, 32:18 the sequence of events was because we 32:20 were collecting zakat and distributing 32:22 zakat 32:23 to the mustahik (eligible recipients). 32:24 Now, the mustahik must be able to spend 32:26 it, so we created 32:27 a muamalah market. So this is a 32:29 sequence of using dinars and dirhams 32:31 according to the sunnah as a means to 32:33 pay zakat, which is distributed and 32:35 then used for, uh, buying and selling 32:37 in the market, 32:39 like that. The judge even said, "In 32:41 judging Mr. Zaim, I read the Quran 32:43 every day and consult with religious 32:45 scholars (kiai). I don't want to make a 32:48 mistake because this is a matter of 32:50 zakat, you know." And thank God, it was 32:52 finally clear that the judge stated 32:54 that there was indeed nothing wrong. 32:57 This is in accordance with religious 32:59 provisions, and there are no laws that 33:01 were violated. 33:02 Why, the wisdom is that it also becomes 33:03 educational, 33:04 right, so it was a free verdict. 33:06 Okay. Peace be upon you, Mr. Zaim Saidi 33:09 . I want to ask, isn't transacting via 33:13 dirhams and dinars something utopian in 33:16 this day and age? 33:18 Well, it has been in effect for 20 33:19 years. What is utopian? A utopia is 33:21 something that has never existed and 33:23 can never be brought into existence. 33:25 Huh. 33:26 Right? Well, dinars and dirhams existed 33:29 for thousands of years, 33:31 then they went missing for a while. Heh 33:32 . 33:33 Only 100 years, and now they exist 33:35 again. 33:36 Hmm. 33:36 This is not a utopia. This is something 33:39 that was lost and is now back, you see. 33:42 So, it's just that our experience has 33:44 had a 100-year gap. So we have to start 33:47 from the beginning again, learn again, 33:49 start from zero, and so on. But it's 33:51 not a utopia, right. 33:53 Mm. If I pay zakat on my gold bar (LM) 33:58 investments every year, is that allowed 34:00 ? Where is this from? Fakal Almaidani. 34:04 Yes, of course, gold in any form must 34:06 be zakatable except for jewelry. 34:09 Jewelry has no zakat. But anything in 34:11 the form of gold in any shape is 34:13 obligated for zakat. But what must be 34:15 understood is where those gold bars 34:17 came from. As I explained earlier, 34:19 those gold bars come from paper money. 34:22 Because paper money was created, gold 34:24 is being hoarded, and that violates the 34:27 provisions of Allah Subhanahu wa ta'ala 34:29 . Yes, it must be zakatable, but the 34:31 point is that these gold bars should be 34:33 minted into dinar coins so that 34:35 everything is in a form that accords 34:37 with what is willed by Allah Subhanahu 34:39 wa ta'ala. 34:40 Okay. Next from Es Sri Yuni. Peace be 34:43 upon you. 34:44 And peace be upon you too. Mr. Zaim 34:46 Saidi, where do we buy dinars and 34:49 dirhams and how is the price determined 34:52 ? 34:52 Yes, so firstly, dinars and dirhams are 34:54 not commodities to be traded, 34:56 you see. So, they are money, 34:59 money issued according to the Prophet's 35:03 sunnah by emirs or sultans who maintain 35:07 the measures and weights and who 35:10 establish their validity, right. Uh, 35:15 now there is what is called a wakala. 35:18 So, the best way to get dinars and 35:20 dirhams is not by using paper money. 35:22 So, 35:23 so go to the aforementioned market, 35:25 bring your trade goods. Later, people 35:28 will buy with dirhams, and you will go 35:29 home with dirhams, right. 35:31 So you have to trade first. 35:32 First, it means exchanging it for goods 35:34 or services, right? Second, "Oh, I'm an 35:36 employee, I don't trade." Well, ask to 35:38 be paid by your boss. "Boss, I want to 35:40 be paid in dinars and dirhams." At 35:42 least a portion of it, right? Like that 35:44 . Third, as mentioned earlier, for the 35:46 poor through the distribution of zakat. 35:48 So, thank God, from our Baitul Mal, we 35:50 have already distributed about 40,000 35:52 dirhams. 35:53 Yes. 35:54 Because as an amir, I collect zakat, 35:56 and I distribute zakat. I collect zakat 35:58 , and I distribute zakat. Right now, 36:00 most zakat isn't being distributed 36:02 like that. Now, one of the benefits of 36:04 the return of the dinar and dirham is 36:06 that zakat gets distributed. That's 36:08 just the fourth point. "Oh, I only have 36:10 paper money." Well, go to the wakalah 36:13 and exchange your paper for dinars and 36:15 dirhams. Then what happens to the paper 36:17 ? The paper is used to mint new coins 36:20 again, like that. So every day, it's 36:22 hoped that dinars and dirhams in 36:24 society will increase and circulate on 36:26 their own through zakat, through...Now, 36:28 the second point is the dowry. 36:31 Nowadays, people paying dowry is also 36:34 unclear. 36:35 Yes. 36:36 What the terms are. It's even changed 36:39 into a set of prayer tools or even 36:41 flip-flops, right? Yet, the sunnah of 36:45 dowry is to use dinars and dirhams. 36:47 Yes. 36:47 Gold and silver or other forms of 36:49 wealth. 36:50 Like that. So, the dowry is actually a 36:53 form of compensation from a man who 36:56 takes a woman as his wife. 36:59 Her freedom is taken, compensated with 37:02 wealth, not just a symbol. Today, dowry 37:05 seems merely symbolic. Yes. 37:08 Using prayer tools or even flip-flops. 37:13 It's valid. It is valid, but it has 37:15 changed 37:16 the essence of the dowry, which is a 37:19 material compensation to a woman. Imam 37:22 Malik says this is similar to someone 37:25 who steals 37:27 yes. 37:27 someone else's rights. That is why, 37:29 according to Imam Malik, the dowry 37:31 should be at least a quarter of a dinar 37:34 . 37:34 Because this is like the nisab set by 37:36 the Messenger (peace be upon him). If 37:38 someone steals goods worth more than a 37:40 quarter of a dinar, their hand is cut 37:42 off. Like that. So, one sunnah 37:45 requirement for the dowry is that it 37:47 must be wealth, specifically dinars and 37:49 dirhams. Second, the value should be 37:51 about a quarter of a dinar or more. 37:53 Yes. 37:54 Like that. It's still quite light, not 37:56 too expensive; today it's about 13 37:58 dirhams, less than one million rupiah 38:00 if converted. 38:01 Like that. So, now we mostly use these 38:05 dinars and dirhams as dowries as well. 38:09 It's called a bridal gift. It's called 38:10 a bridal gift, isn't it? "Mr. Zaidi, 38:13 I'm getting married, I'm going to ask 38:15 for my bridal gift to be in dirhams and 38:18 dinars." 38:20 It's better that way, and many have 38:22 done it; even some celebrities, who was 38:24 it...Dewi Ayu, who used to be the wife 38:29 ... 38:30 who was married to Gery Fadli. 38:32 When she got married, and then... 38:34 Sandra Dewi, Sandra became a Muslim and 38:36 married... 38:38 Uh, the prospective groom's dowry was a 38:40 dinar, right? 38:40 Yes. Indra Bekti's dowry was also a 38:43 dinar. 38:44 Yeah. 38:45 And several other celebrities as well. 38:48 Cici Tegal also used a dinar, you know. 38:50 So it’s actually becoming quite 38:52 common. 38:52 Cici Tegal didn't invite us, though. 38:55 Peace be upon you, Afan. Ustaz, I’d 38:58 like to ask, what if we currently 39:00 invest in the form of gold bars? 39:03 Because now, gold is not a medium of 39:06 exchange but a commodity whose price 39:08 fluctuates constantly, from Mr. Wahyu 39:11 Witono. 39:12 Yes, that’s what we have corrected, 39:14 that gold is not an investment tool. It 39:17 must be in the form of, uh, gold dinar 39:19 currency, right? Even if you save it, 39:22 that’s fine, but the point is it’s 39:24 not an investment tool. And what was 39:27 mentioned earlier about the value 39:28 fluctuating, that’s the paper money. 39:31 100 grams of gold is 100 grams for a 39:33 lifetime. Why does its value change? 39:36 What changes is the paper money. Back 39:39 then, one 100,000 rupiah note could get 39:42 you 50 kilos of eggs. The eggs stay the 39:45 same, the currency stays the same. But 39:47 now you can only get 3 kilos of eggs. 39:51 So, where did the other 47 kilos go? 39:52 The paper note is the same, the eggs 39:54 are the same. Yeah. Heh. 39:55 That’s it. That is the theft from the 39:58 process of, uh, 39:59 usurious economic transactions today. 40:02 So, in the context of this dinar, there 40:05 is no inflation, none. 40:06 There is no inflation; that’s a lie. 40:08 There is no inflation. What exists is 40:10 depreciation, the decline in the value 40:13 of paper money. But goods, as I 40:15 explained earlier, from the time of 40:17 Prophet Adam, a chicken is still a 40:19 chicken until the Day of Judgment. 40:22 Because of that, its exchange for other 40:23 items will also remain the same. 40:26 It would be so beautiful if, like that, 40:28 there's no rush to spend it. 40:29 Nothing changes. Nothing changes. 40:31 It’s not complicated. 40:34 Someone is suggesting, "Wow, Mr. Zaim 40:35 Saidi should just be the Minister of 40:37 Economy of Indonesia." Okay. If I were 40:41 the minister of economy or finance, the 40:43 first thing I would do is nationalize 40:45 the central bank. 40:46 Oh. So banking must be returned to 40:49 government control. 40:51 H 40:51 Today, banking is 100%privately owned. 40:55 Hm. 40:56 Exactly. In the whole world, there is 40:59 only one country where the banks are 41:01 controlled by the government, and that 41:04 is China. 41:05 Hm. And because of that, in China, 41:08 credit is in line with government 41:10 programs. Yeah. 41:12 We used to have a little bit of this 41:14 during the Suharto era, where credit 41:16 was directed to 41:17 uh, specific things like BIMAS, INMAS, 41:20 Inpres, and so on. Because Mr. Suharto 41:22 was still influential at the time. 41:24 The central bank was still under Mr. 41:26 Suharto, right? As soon as Mr. Suharto 41:28 fell and the IMF took power, the 41:30 central bank was removed from the 41:32 government, making it independent. So, 41:34 because of that, it cannot be 41:36 controlled. Now, today, uh, if we want 41:40 to improve the situation, first, the 41:43 central bank 41:45 must be nationalized, 41:47 returned to be under government control 41:49 . Second, the government program will 41:52 direct credit. 41:53 to useful things, not like today, to 41:56 speculative things, the stock market, 41:59 property. Property is actually very 42:01 speculative. Because it goes ups and 42:03 downs, ups and downs. If it crashes, it 42:05 really crashes because it is a 42:06 speculative sector. So, it should be 42:08 directed towards productive credit. 42:10 Okay. Now, Amir Zin yourself, how about 42:12 in daily life, for example, buying a 42:14 car, buying a house, buying expensive 42:16 things like that. Do you use dinars or? 42:19 Yes. So first, our foundation must be 42:21 mutual consent. 42:22 So, first we must negotiate. I want to 42:25 buy this item but I will pay with gold, 42:27 or I want to sell this item and I ask 42:29 to be paid in gold. What is the most 42:31 expensive example? 42:32 I once bought a car and I paid with 42:34 dinars. At that time, I paid 25 dinars 42:37 for the car, if I'm not mistaken, when 42:40 1 dinar was still around 42:42 the seller understood this as well. 42:44 Oh yes, of course there must be an 42:45 understanding, right. 42:47 And we agreed on that. In daily life, 42:50 we have a market every two weeks. I 42:53 shop at the market starting from buying 42:56 rice to salted fish to jengkol. 42:58 Yes, in the market we can pay with 43:01 dirhams. Conversely, if I sell, I sell 43:04 honey—I forgot to bring the honey, 43:06 it's called Rihlah honey. I also put a 43:09 price tag on that. If you want to pay 43:12 with rupiah, of course we cannot refuse 43:15 , but we prefer to be paid with dirhams 43:17 . 43:18 Okay. I will read out the phone number 43:22 of Mr. Zaim Saidi, Ir. Zaim Saidi, M.B. 43:26 , M.P.A., who wrote the book "Eforia 43:29 Emas"(Gold Euphoria), which uncovers 43:32 errors while guiding how to treat gold 43:35 according to the Qur'an and Sunnah, 43:38 written by Ir. H. Zaim Saidi, M.P.A. 43:43 Here is his phone number, please 43:44 prepare a pen and paper, we will read 43:46 it. Ir. Zaim Saidi, M.P.A., 0812 done, 43:56 then 23 then 79 18 32, we repeat again. 44:06 0812 79 182. You may ask about dinars. 44:18 what else, what are dinars, dirhams, 44:23 and fulus? Please go ahead and ask. 44:27 Okay, those of you who want to ask at 44:29 Rasil are welcome, we are waiting for 44:32 calls at 02184515. For WA, at 44:36 0811999720. Mr. Zaim, mm the wakala 44:48 system certainly gets profit as well. 44:52 How is that profit obtained? 44:55 If you want to get profit, sell eggs 44:58 or sell honey like me, or sell books, 45:00 right. Now, wakala is a service to the 45:03 community. So, actually, the wakala 45:06 acts as an intermediary for the public, 45:07 since the public currently only has 45:09 paper money. Hmm. 45:10 So, how do you get dinars and dirhams? 45:12 Then they must contact the party that 45:14 already has the stock. 45:16 So that is it, the wakala provides the 45:18 bridge, they already have the stock 45:20 first. If there is someone exchanging 45:22 their paper money, they are given those 45:24 coins and dirhams. Then where is the 45:26 paper money taken? The paper money is 45:28 brought to 45:29 the main wakala which then uses it to 45:32 shop for materials, pay for printing, 45:36 and then recirculates it. Yeah. 45:39 We actually don't recognize the term 45:40 buying and selling, we only recognize 45:41 the term exchange. H 45:43 like that. Now, of course, this wakala 45:45 is by nature a form of preaching, 45:47 da'wah, and struggle, you know. So, 45:50 because of that 45:51 we create certain methods so that it 45:53 doesn't end up losing money. If one is 45:56 already struggling, already preaching, 45:57 already doing da'wah, and still has to 45:59 lose money. Already fronting the costs 46:00 and still losing money, right? 46:02 That's not fair. And because of that, 46:04 there is a small distribution fee, but 46:07 it's not buying and selling, not taking 46:09 a profit. That is why we say there is 46:11 no buying and selling of dinars and 46:13 dirhams. Once you exchange paper money 46:15 for gold and silver coins, that's it. 46:17 Use it 46:18 in transactions, in muamalah. It's not 46:22 sold back as rupiah, and we take a 46:24 profit like buying and selling gold in 46:26 general. Now, but at the moment it's 46:29 still in transition 46:32 for dirhams, because it's already easy 46:33 to spend, we have no buyback at all. 46:36 Hm. 46:36 Like that. Now, in the case of dinars, 46:38 in a very desperate situation, 46:40 we do indeed still tolerate it 46:43 like that. But the first thing that 46:45 must be done is to offer it first to 46:47 relatives or friends who want to own a 46:48 dinar and exchange it for rupiah. So it 46:50 stays in circulation and doesn't return 46:52 to the wakala. If it returns to the 46:53 wakala, it gets stuck in the wallet 46:54 again. 46:54 Okay. Alright, let's take a call first. 46:56 Hello. Assalamu'alaikum. 46:58 Wa'alaikumussalam warahmatullahi 46:59 wabarakatuh. 47:00 Yes. Who is this? Sorry. 47:01 Mr. Asmiati. Krisna. 47:03 Go ahead. Hajjah Asmiati. 47:05 Mr. Zain Saidi. Yes. Assalamu'alaikum, 47:08 Sir. 47:08 Wa'alaikumussalam warahmatullahi. 47:10 Please lower the volume so there is no 47:12 feedback, Hajjah. 47:14 H 47:17 that's it now. 47:18 Please, Hajjah. 47:21 We want to participate in this. How do 47:24 we popularize it, Sir? And how do we 47:27 exchange our money, Ustadz? 47:29 Yes. Already, Ma'am. 47:33 Yes. I mean, as the public. 47:35 Alright. First, if you want to exchange 47:37 , contact an official wakala. Because 47:40 right now in the market, there are so 47:42 many people who claim to sell gold 47:44 dinars and silver dirhams, but their 47:46 goal is just for business and making 47:48 money. Now, how much is 1 dirham worth, 47:51 Sir? Well, today 1 dinar is already 47:54 around 3,890,000 thousand, Ma'am. 47:57 Almost 47:58 1 million for 1 dinar and 3,500 for 1 48:00 dirham. 48:03 And for one piece, it's 4 grams, right, 48:04 Sir? 48:05 4 1/4 grams. Now, there are larger ones 48:08 of 2 dinars, and smaller ones, which 48:10 are 1/2 dinar and 1/4 dinar. So it 48:12 depend 48:13 yeah, it depends on your needs, which 48:14 one you want, right? Yeah. 48:16 Now, the second question regarding how 48:18 we participate in socializing and using 48:20 it, we have to gather together. 48:22 Gathering in communities now exists in 48:24 Bekasi, in Depok, in Medan, in Ketapang 48:27 , Tanjungpura, in Bintan, in many 48:29 places there are already communities 48:31 like that, which among others held 48:33 muamalah markets. So, you have to look 48:37 for these communities. If there isn't 48:39 one yet, then gather, form one. where 48:41 you live. 48:42 Well, slowly we transact there. 48:45 Where is the address in Bekasi, Sir? 48:48 Uh, in Bekasi, oh, I don't recall 48:50 exactly, Ma'am. Later you can just 48:53 check. There are many Instagrams, there 48:56 are Facebooks, communities for this 48:58 dirham. 48:59 Okay. So, 49:00 Hajjah, just call, that person later, 49:02 okay? 49:02 Oh, yes. That Sir. Peace be upon you, 49:06 and Allah's mercy and blessings. Okay, 49:07 thank you Hajjah. There are many asking 49:13 here. Mm. From Mrs. Habibah. Peace be 49:16 upon you. 49:17 And peace be upon you too. 49:18 I am interested in his book. How to get 49:20 his book from Mrs. Habibah? 49:23 That is, you can go to Pustaka Adina 49:25 Bookstore. It's on Tokopedia, Ma'am. In 49:27 the marketplace, there is the bookshop, 49:29 Pustaka Adina Bookstore Tokopedia. 49:32 Hm. I want to get married. I want to 49:37 tell my future husband to just use 49:40 dinar for the dowry. Wow, inspired. 49:45 If not 49:45 that's right, yes. 49:46 Right. If not dinar, then dirham. So 49:49 uh 49:50 how small is the smallest? 49:51 Yes, earlier it was 1/4 dinar. Why is 49:53 there a 1/4 dinar coin now? Because to 49:55 fulfill the needs of people who really 49:57 want to pay their dowry. 49:58 He. 49:59 In accordance with, what is it called, 50:00 the sunnah. 50:01 And there are the coins. After we 50:03 receive the dowry, can it be kept just 50:05 as a keepsake? 50:06 Of course you can. You can. You can. 50:08 Not spent? 50:09 That's fine. That's fine. No problem. 50:11 What is the minimum requirement? 50:13 Uh, for dowry, according to Imam Malik, 50:15 it is at least 1/4 dinar. 50:17 If in dirhams, it means currently it's 50:19 about 13 dirhams. 50:20 13 dirhams. 50:21 Okay. Peace be upon you, Ustaz. Uh, 50:25 Zaim Saidi. How should I currently 50:28 position my rupiah money that is still 50:30 being used? While the exchange medium 50:33 is still that from Mr. Catur Sayogo. 50:36 yes. Earlier, slowly convert it, slowly 50:39 convert it into gold and silver. If 50:41 there is no dinar-dirham there, it can 50:44 be converted to raise goats, to farm 50:46 animals, or for rice fields; just make 50:49 it productive. So, the blessing of 50:51 wealth is in its circulation, in its 50:54 productivity, not in the amount that is 50:56 just kept stored. that is not a 50:58 blessing instead. 51:00 Mr. Zaim Saidi. I am imagining how 51:04 beautiful it would be if everyone used 51:06 dirham and dinar so there is no 51:08 inflation, no price bargaining. 51:11 Right. 51:12 So it's flat like that, isn't it? 51:14 Right. That is one thing that is not 51:16 understood by society today, yes. 51:19 uh, that why we trade, if bargaining, 51:22 that is actually allowed by nature. 51:24 What does not exist is "change"(small 51:26 change). So, that model of "change" is 51:28 because we use the riba system, using 51:30 paper money. If we use muamalah as 51:33 taught by the Prophet, the Prophet said 51:36 that in buying and selling, it must be 51:38 equivalent for equivalent, 51:40 equal to equal. So there is no change. 51:43 How can there be no change? If the 51:45 price is cheaper than a dinar, 51:47 there is no story of change. If, uh, 51:50 it's cheaper than a dirham, for example 51:52 , a big goat is 1 dinar, pay with 1 51:54 dinar. A small one is half a dinar, pay 51:57 with half a dinar. 51:58 But goat sizes are different. 52:00 Yes, but it will follow the available 52:03 money. 52:04 Oh, 52:05 for example, okay, 1 dinar is too cheap 52:06 , uh, half a dinar is too cheap, half a 52:08 dinar plus 2 dirhams, okay add 2 52:10 dirhams. The seller says no, add 3 52:12 dirhams. Okay, 1/2 dinar plus 3 dirhams 52:14 . So there is no change. It's the same 52:17 if, for example, I want to buy your 52:19 chicken for the price of 1 liter of 52:21 rice, 52:22 yes, 1 liter of rice for one chicken. 52:24 Hm. 52:24 There is none. Then paid with, uh, 2 52:28 liters of rice then change 1 liter of 52:30 rice. If the chicken is bigger, the 52:32 rice is increased, like that. That is 52:34 the correct way to buy and sell. 52:35 Okay. Masyaallah, Mr. Zaim Saidi. 52:40 Suppose I have 1 billion in cash and I 52:43 want to convert it into dinars and 52:45 dirhams, how do I store it when no bank 52:48 stores dinars and dirhams? 52:51 Well, if it's "suppose," I cannot 52:52 answer. If you really have 1 billion, 52:54 only then I will answer. But if it's 52:57 only "suppose," me answering it is also 52:59 "suppose," it's useless. 53:01 Like that. So if you, sir or madam, 53:03 really have 1 billion, tell me, then I 53:05 will tell you how. 53:06 Masyaallah. Okay, Mr. Kna, please read 53:10 the phone number again. Okay. This is 53:13 the phone number of Mr. Ir. Zaim Saidi, 53:16 MPA. If you want to order books, you 53:18 can. There is the Gold Euphoria book, 53:20 yes. And there are 16 other books that 53:22 he authored, that he compiled. Okay, 53:26 here is the number, uh, 0812 done. Then 53:33 2 3 79. Then at the end 18 3212 2379 18 53:49 32. Ir. Zaim Saidi, MPA. He is a 53:55 graduate of IPB. 53:58 Hm. Assalamualaikum, Mr. Zaim. So, if 54:02 we want to fly, can we buy the ticket 54:05 using dinar currency? 54:06 You can if I end up selling tickets. 54:10 Well, so it must be gradual, right. Uh, 54:12 right now, uh, most people don't 54:15 understand Dinars and Dirhams, and 54:18 because of that, uh, they are still 54:21 only paid with paper. If they already 54:24 knew, try asking them, would they 54:26 choose to be paid with paper or paid 54:28 with gold? If 100 people were asked to 54:32 choose between paper or gold, which one 54:34 would they choose, right? If the choice 54:38 is made rationally and freely, it is 54:40 almost certain people would choose gold 54:42 . That was proven in the past. Back 54:46 then, when gold and non-gold existed, 54:49 everyone chose gold. 54:50 Hm. 54:51 Well, now because that knowledge has 54:53 been erased and our behavior has been 54:55 changed, we no longer love gold, but 54:57 love paper. 54:58 Hm. Okay, 54:59 like that. So if you buy an airline 55:01 ticket, unless you already understand, 55:03 well, you'll definitely ask for rupiah. 55:07 Okay. Zaim Saidi, uh now in which 55:10 country have they consistently 55:11 implemented the dinar and dirham? 55:14 Well, that question is wrong. The 55:16 question must be reversed. 55:18 In which country did they not use the 55:20 dinar and dirham when there was no riba 55:21 system? 55:23 Hm, 55:24 that’s the question. Only then can we 55:26 answer that in every country, wherever, 55:28 Muslims and non-Muslims used gold and 55:30 silver. 55:31 Yes. 55:32 After changing to a riba system like 55:35 today with banks, paper money, and so 55:38 on, there is none. 55:40 Like that. So the question is wrong in 55:42 my opinion. 55:46 Oh Mr. Zaim, I’m getting scared 55:47 hearing that. Oh my, so that means 55:49 I’ve been committing riba all this 55:51 time? He said, 55:52 well, the Prophet has indeed said that 55:54 a time will come 55:56 where you will not find anyone who does 55:59 not consume riba. The companions asked, 56:02 "All of them, O Messenger of Allah?" 56:04 The Prophet said, "The answer is not 56:06 all of them." The Prophet even answered 56:08 , "Even those who refuse will still be 56:10 affected by riba." 56:12 Refuse, what do you mean? 56:13 Those who reject riba will certainly be 56:14 affected too. Riba will reach them too. 56:17 Well, today we know why the Prophet 56:19 said everyone is affected by riba. The 56:21 companions didn't understand. How could 56:23 everyone be affected by riba? Now we 56:27 know that because of money, paper, and 56:29 its system, it makes us all affected by 56:32 riba. 56:33 Yes. 56:33 Because of that, we now have a way out. 56:36 Of course, it’s not as easy as 56:37 flipping a hand. 56:39 Slowly, we free ourselves from this 56:41 addiction 56:44 to this paper money. 56:45 Hm. Okay. Uh, greetings Mr. Zaim Saidi. 56:51 Why don't the ustadz ever popularize 56:53 this issue to their congregation? Uh, I 56:56 think there are a few things. First, 56:59 perhaps the understanding hasn't 57:01 reached them because the issue of 57:02 muamalah is indeed rarely discussed. In 57:06 Islamic boarding schools, it's still 57:08 taught but only as a theory. Something 57:11 that is only a theory cannot be 57:12 understood. When it is practiced, then 57:15 it can be understood. 57:16 So, first, perhaps the understanding 57:18 hasn't reached them. Second, uh, 57:21 because even if it has reached them, if 57:23 they don't practice it, they won't be 57:25 able to speak. 57:26 Okay, 57:27 like that. Then from Mr. Ahmad Saiful, 57:30 has Ustadz Zaim Saidi ever invited 57:33 Islamic organizations to return to 57:35 muamalah using dinars and dirhams, 57:37 especially to major organizations like 57:40 NU and Muhammadiyah, and how was the 57:42 response from the kiai and ulama? 57:47 Uh, yes, I have been trying to do this 57:49 for 20 years and yes, I have contacted 57:51 many, including Nahdlatul Ulama and 57:53 Muhammadiyah. I have even invited them; 57:56 I have even made the design for the 57:58 Muhammadiyah dinar and dirham. Uh, but 58:01 at that time, indeed, in Muhammadiyah, 58:03 they had just recently held their 58:05 congress and changed management. 58:07 Hopefully, it can be continued later; 58:09 it was decided not to proceed at that 58:11 time. So, hopefully now with this new 58:15 management, they are willing to 58:17 continue so that Muhammadiyah can issue 58:20 its dinar, dirham, and fulus. Because 58:23 in Muhammadiyah, there is an 58:25 extraordinary amount of wealth 58:26 circulating. So, at that time there 58:29 were 13 chairmen, and now 13 new 58:31 chairmen have also been elected. In 58:34 Muhammadiyah, if not all 13 agree, it 58:37 doesn't move forward. So, at that time 58:41 I knew the majority were okay with it, 58:43 but there were two or three people who 58:45 disagreed, in my opinion, due to a 58:48 misunderstanding or wrong perception, 58:50 so it wasn't implemented. But it had 58:53 been discussed in Muhammadiyah up to 58:56 the board level at that time that there 58:59 was a proposal for Muhammadiyah to 59:01 issue and use dinar and dirham for its 59:04 charitable businesses. Let's just pray 59:08 that the new management is willing to 59:10 continue that. 59:12 Okay. Okay. We are limited by time. 59:17 There are actually so many questions 59:19 that we must ask. Once again, I will 59:23 read the phone number of Amir Zain or 59:27 Ir. Zaim Saidi. Ir. Zaim Saidi, MPA. 59:34 The number is 0812 then 23, then 79, 59:42 then 18. 32 0812 2379 18 32. Okay. 59:56 Lastly, what would you like to convey? 59:59 Yes, what I want to convey is that the 1:00:01 Prophet sallallahu alaihi wasallam has 1:00:04 prophesied that a time will come when 1:00:06 everyone will need these dinar and 1:00:08 dirham for their worldly needs and 1:00:11 their afterlife needs. Yes. And what is 1:00:14 meant, I think, is that, especially 1:00:16 regarding zakat, zakat is not valid 1:00:18 unless it is paid in gold and silver. 1:00:20 Zakat mal, that is. That is the first 1:00:23 point. And secondly, the Prophet 1:00:24 sallallahu alaihi wasallam said that a 1:00:27 time will come where everything you own 1:00:29 has no value, no worth, except for the 1:00:31 gold dinar and silver dirham. Why did 1:00:33 the Prophet sallallahu alaihi wasallam 1:00:34 say that? We understand now. Because 1:00:36 when all wealth is attributed to these 1:00:39 nominal figures, it becomes worthless. 1:00:41 Hmm. 1:00:43 Yes, a concrete example is this. Back 1:00:45 in our grandfather's generation 1:00:47 they didn't have this, it didn't exist. 1:00:49 Yeah. 1:00:49 But he had 5 hectares of rice fields, 1:00:52 10 buffaloes, a fish pond, yes 1:00:54 thousands of meters. That is wealth. 1:00:56 Once the banking system came, the usury 1:00:58 system arrived, our father's generation 1:01:00 saw their wealth start to shrink. But a 1:01:03 1000m house was common, 1:01:05 a 3,000 to 5,000 m garden was common. 1:01:07 Once our generation came 1:01:09 Hm. 1:01:11 we hold paper 1:01:13 Hm. 1:01:13 and own no rice fields. 1:01:15 Hm. 1:01:16 If you have a type 45 house, it's 1:01:18 already good, right? Now, our 1:01:20 children's generation, Mas Krishna, our 1:01:22 children's generation will certainly 1:01:23 not be able to buy a house. 1:01:25 Hm. 1:01:26 They certainly won't buy a house as 1:01:27 long as they are still using this, and 1:01:29 later it will become digital 1:01:30 like that. Therefore, it is a necessity 1:01:33 for all of us, Muslim or non-Muslim, to 1:01:35 return to what God has ordained by 1:01:38 nature, that wealth and the medium of 1:01:40 exchange should be gold and silver, and 1:01:43 copper for small change. So my appeal 1:01:46 is to start, even if it is just owning 1:01:48 one dirham, and use these dinars and 1:01:51 dirhams. It is fine if we still use 1:01:54 paper money for 99.9%of our 1:01:55 transactions, as we are just starting 1:01:57 out, but we must start from there. 1:02:00 Very well. Mashallah, we now understand 1:02:04 what dinars, dirhams, and also fulus 1:02:07 are. Thank you, Ustaz Ir. Zaim Saidi, 1:02:12 MPA, for the extraordinary explanation 1:02:14 regarding these dinars, dirhams, and 1:02:16 fulus. Hopefully, this broadcast is 1:02:18 beneficial. 1:02:19 Thank you. I am Muhammad Krishna Niza, 1:02:21 and Anis Mualim, we bid you farewell. 1:02:23 Wabillahi taufik. Assalamualaikum 1:02:25 warahmatullahi wabarakatuh. 1:02:26 Waalaikumsalam. 
