Mohamad Zamri Bin Musa
Salam :-
Hari ini harga 1gram raw silver mengikut nilaian fiat adalah MYR4.60 (www.nubex.com.my/pricetag/php)
Harga 1kg kilobar yang termahal di pasaran adalah MYR6205.00 menjadikan MYR6.20 per gram.
Nilaian fiat bagi 1Dirham adalah MYR30.00, menjadikan nilaian 1gram adalah MYR10.08.
Sekiranya MYR10.08 ditolak MYR6.20, menjadikan kos untuk mengeluarkan sekeping Dirham adalah MYR3.88 ( 39% ).
Pada pandangan anda, adakah wajar kos sebanyak 39%.
Hari ini harga 1gram raw silver mengikut nilaian fiat adalah MYR4.60 (www.nubex.com.my/pricetag/php)
Harga 1kg kilobar yang termahal di pasaran adalah MYR6205.00 menjadikan MYR6.20 per gram.
Nilaian fiat bagi 1Dirham adalah MYR30.00, menjadikan nilaian 1gram adalah MYR10.08.
Sekiranya MYR10.08 ditolak MYR6.20, menjadikan kos untuk mengeluarkan sekeping Dirham adalah MYR3.88 ( 39% ).
Pada pandangan anda, adakah wajar kos sebanyak 39%.
Penerangan Islamic Mint tentang harga Dirham merekea, nak translate panjang sgt so baca sendiri la ye:
ReplyDeleteIn formulating the standardized valuation, taking into account all of the above, WIM applies a certain premium above and beyond the typical market-based ‘spot price’ of the base precious metal (silver for dirham). Although the premium covers both minting & non-minting costs, the contributions of the above-mentioned factors for features in a functioning currency are critical considerations towards this premium. For example, achieving a linear ratio of valuation for the various denominations requires a balancing act between the higher cost of minting for small denomination coins, and, the economies of scale inherent in minting coins of larger denominations. A separate discussion is available on the other detailed aspects of this premium. The application of this premium, in deriving at the pricing structure and resulting in the final price of WIM coins—which, specifically for the dirham, is typically higher than for other silver products—is a condition for the WIM-authorized coins to be recognized & usable as money (e.g. in trade, zakat, etc.)
It follows that, making possible the usage of WIM coins necessitates a viable ‘muamalat system’ – which calls for a sustainable trading environment, or markets, where the coins can be used. This goes back to the core concept of a halal medium of exchange – as money/ currency, with which to trade for goods and services with mutual consent. In consideration for this role of the coins as a halal medium of exchange, WIM also takes into account the welfare of the users, particularly in the aspect of valuation, to achieve this consensual condition
This is where the concept of the ‘Purchasing Power’ is applied for WIM coins. Thus, WIM coins come with official rates that represent the purchasing power of the coins. For example, a 1 dirham obtained at $8 can be used to buy something valued at $8. In markets where shops accept payment using WIM Dinar dirham, valuations of the coins (i.e. its purchasing power) are reflective of the official rates. Failure to recognize such valuations goes against the principles of the muamalat system and breaks the intention of providing functionality for the coins; therefore WIM also plays a role in regulating such markets (through recognition of regulation-respecting trade establishments accepting WIM Dinar and dirham through registration, use of identifiable insignias such as “We Accept Dinar and Dirham” stickers, etc.).
The purchasing power valuation example shown above should also be seen in the relative context of time. Due to market-based ‘spot price’ movements of the inherent base precious metal, valuations used must reflect current rates as determined by WIM for the coins (i.e. in the example above, it may no longer be $8 at a future date). In addition to that, apart from the standardized valuation mechanism, a rate stabilization mechanism may also apply for certain local implementations of the WIM coins. The rate stabilization mechanism essentially fixes the price of the coin at a determined rate, as long as the internally calculated rate of the standardized valuation mechanism remains within a certain band of value. Stabilization facilitates use of the coins in trade by providing a non-volatile value of the purchasing power and is typically applied for the more commonly used lower valued dirhams as opposed to the higher valued Dinars......
Baca selanjutnya: http://www.islamicmint.com/news_articles/articles/valuation.html