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Why Is Kutu Emas Dinar?

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Why Is Kutu Emas Dinar?
Issues in Wang Kutu Scheme
Recently, instead of playing the traditional duit kutu as we have discussed it above, some people has innovated it into something modern, commercialize and profit-based transaction, such as kutu emas dinar and kutu pintar. Further explanations of these two examples are as follows:-
Kutu Emas Dinar
Kutu emas dinar is more or less the same with the traditional wamg kutu. Here is the how-to-play kutu emas dinar as accordance to http://segunungemas.blogspot.com/2011/06/eh-betul-ke-student-pun-mampu-beli-emas.html.
Step 1: Form a group of people
Step 2: Decide the turn of each member in the group.
Step 3: The payment (in cash) of each member must be collected according to the current price of emas dinar divided by the
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Step 5: The emas dinar bought will be given to that specified member.
Step 6: Repeat step 3 to step 5 until all the members have the emas dinar.
Based on the procedures in playing kutu emas dinar above, there are nothing much different between this wang kutu scheme and the traditional wang kutu. However, the payment collected from each member might be different each month due to the floating price of the emas dinar in the market. The floating price of emas dinar is an uncertainty (gharar) element and clearly prohibited in Islam. In addition, it also consists of an injustice element because different members might get different amount of money. Although in the end they get the same thing, which is dinar emas, but the money value is different.
Kutu Pintar
Kutu pintar is a commercialize wang kutu scheme. It is different with the traditional wang kutu and the kutu emas dinar. It usually started, operated and managed by a company or organization. The procedures to play this kutu scheme as accordance to http://forum.putera.com/tanya/index.php?/topic/64901-main-kutu-cara-wangpos/, are as
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The total amount will be incurred is rm121.

Step 2: Write the participant’s name in the ‘Bayar kepada’ space on 8 pieces of the money order, and write the introducer’s name in the other 2 pieces of the money order, and in the last piece, write the company’s name.
Step 3: Insert the money order that have written the participant’s name together with the money order that have written the company’s name in the medium pos express envelop, whereas the rest will insert in the small envelope.

Step 4: Post both envelope to the company’s

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