About Us
Built on belief, guided by values.
Bismillahirrahmanirrahim.
Assalamualaikum Wa Rahmatullah Wa Barakatuh
Zeed is a business unit engaged in sharia investment management and brokerage, where Zeed acts as a reliable link between investors who want to channel their funds and business managers who need capital to develop their business. We believe that every investment made with good intentions and in accordance with sharia principles will bring blessings to all parties involved.
The name “Zeed” is derived from the Arabic زد, which means 'to increase' or 'to grow'. The name reflects our vision to help every business we work with to grow and reach its full potential, as well as provide wider benefits to society.
Zeed comes from Arabic (زيد), a word that carries the spirit of growth and increase.
Our Business Approach
In running its business, Zeed focuses on project financing, which is the financing or funding of business projects. For example, PO gamis projects, PO negligee projects, fabric procurement projects, and others. This project financing is easier to manage with sharia contracts, namely shirkah mudhorobah and murabahah. Zeed does not channel investment funds under the invoice financing scheme.
Zeed selects, analyzes the risk and feasibility of investment project candidates, ensures that the investment scheme is 100% pure sharia by fulfilling all the pillars and conditions of the contract, and gathers investors to meet the capital needs. In addition, Zeed educates Muslims about fiqh muamalah maaliyah on its website and social media accounts.
Background
Those who consume interest will stand ˹on Judgment Day˺ like those driven to madness by Satan's touch. That is because they say, “Trade is no different than interest.” But Allah has permitted trading and forbidden interest.
( Quran 2:275 )
There are several problems that Zeed has identified:
Fiqh Muamalah Illiteracy
Most Muslims do not really understand fiqh muamalah maaliyah, which is fiqh that regulates financial transactions. In fact, fiqh muamalah maaliyah is something that is encountered in everyday life. Buying and selling, lending and borrowing, debts, salaries, are vital things that are done almost every day by all humans. Islam regulates all of them in fiqh muamalah maaliyah. Unfortunately, not many Muslims really understand how Islam regulates this.
Scale-Up without Equity Sharing
It turns out that many fast-growing SME owners are offered partnerships with investors. They are interested in scaling-up their business but do not want to share shares or ownership with investors. An alternative to this is to open up project financing, so that investors can invest in just a few business projects managed by the SME, without having to invest in the company. The investor can keep investing, and the SME still has the opportunity to scale-up.
Where are the Sharia parts of this contract?
The Zeed team reflected that there are many sharia financial units and institutions such as sharia banks, sharia insurance and sharia institutions that do not explain and educate their customers or members on the sharia part of their contracts or business processes. In fact, this education and da'wah is important so that customers and members really understand where the sharia of their contracts is and what distinguishes Islamic and conventional financial institutions.