Now that capitalism is showing its weak aspects, numerous international financial institutes, brokers and companies are approaching Islamic Banking principles, which could become a real surprise in terms of opportunities for the future.

The most general value which Islamic Banking is based on is perhaps the one about the responsibility in financial business that must be shared between/among the parts. This means that up to the end of a certain operation every part involved will take on its shoulders a part of responsibility, that is in proportion with one’s corresponding share.

Islamic investment
Let’s make a practical example: Hibah (free gift), is a very usual practice by means of which a person or a bank issues a loan and fixes together with the debtor the terms and conditions of refund, that can take place in several steps or just in a single instalment. What’s new? You would answer: Nothing, up to now! But, and here comes the amazing difference with capitalism, there are no interests to be repaid! Yes, it’s true, as interests are viewed as usury and consequently not permitted by Islamic Banking. On the contrary, a creditor can be given a free gift, (Hibah) that is selected by the debtor and can be of any kind. Not rarely can happen that the debtor is unable to offer his/her gift at the right time: he can delay Hibah or communicate that he/she has got some difficulties about it. No problem, he/she does not suffer any legal proceedings from the creditor, as nobody can be sure of getting Hibah.

Moreover, Islamic Banking rejects every form of business which it evaluates morally and socially prejudicial on the basis of its specific code of values.

Another firm concept in the “basic tissue” of Islamic Banking is wisdom: but how does this psychological aspect find a place in a financial system, where we have been steadily getting used to worry just about the best output by means of the least effort? Not in the case of Islamic Banking: here it comes to wisely administrating one’s possessions, which also means not to gather too much. Indeed, assets must circulate with a certain balance, i.e. charity is a fundamental obligation for Muslims, who, according to the Ku’ran, are to offer something periodically to the needy. Really, Islam tends to the benefit of the community by putting into practice
the Zakat (“charity to the poor”) process. Nevertheless it is possible to own one’s wealth, but one must manage it wisely.

This concept has a double aim: on one hand it targets at ensuring the community acceptable standards of life (thus fighting poverty) whereas, on the other hand, it strongly intends to avoid the excessive stockpiling of assets in the hands of a low number of individuals.

However, a number of precise technical examples of Islamic Banking’s regulations and their essential discrepancy in comparison with capitalism will be discussed in the following post.

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Do you believe that traders are born possessing these skills? Or do you think that most people can learn to trade precisely, if made enough time and effort? Traders were either born there or not, your thoughts on this question may vary depending on how the approach to the study of trade and how much you are tolerant to trading losses.

Psychologist Carol Dweck conducted several studies show that our assumptions about a certain ability, for example, with respect to trading skills, it affect our interpretation of events and reactions to them. Some people believe that ability, as a firm reality, while others believe that ability can be developed. A man who believes that children are born with trading opportunities associated to the first group. This belief entails significant impact. If someone is convinced that he inherited trading abilities, he is definitely focused on results. This happens subconsciously, on the back of my mind. People who believe that they are naturally inclined to trade, is trying to benefit from his talent. Such thinking fruitful involvement desired results, especially when each of the next financial transaction brings more profit (a common situation for the bull market in 90 thousand).

Expectations confirmed until traders start making losses. Many traders have described how they were treated while shopping obtains high profits during the bull market. They thought that they could not make a mistake, seeking that they have inherited these skills. Unfortunately, markets conditions have changed not provide traders with permanent income. When this happened, the results of trade do not correspond to expectations and the myth was born trader has dissipated. People began to think something like: “It seems I have no special talents, I` D soon to stop the trade. ”

Given these considerations, it is recommended to treat these skills as something that can be acquired and learned. In other words, it is better to assume that trade skills are not innate. When we look at trade as a discipline that can be taught through practice and effort, the failures appear to be objective feedback, but not as the level of natural ability to trade. These people do not care about the need for extremely high performance; they focus on the development of their skills. Despite all the difficulties, they are going to move. They believe that ultimately they will be masters of trading technology at a high level by focusing on the process of studying trade and experience. However, Forex Education is always necessary.

Born traders exist or not are questionable. Nevertheless, it is recommended to think that if you work hard, receiving and taking into account your mistakes, you get the best results. Assuming that you are able to learn the trade through practice and experience, you will show a high degree of perseverance, even when you face defeat. And in the end you will develop their skills in a profitable trade.