For many, Islamic Fintech is a phrase that doesn’t pop up very often in their day-to-day reading. This article aims to explain the groundings of the industry, as well as how it factors into Yielders’ offering to investors. This article forms part of our weekly blog series, where we aim to bring you interesting and relevant news from across industries such as Real Estate, Economics and Finance. The Groundings of Islamic Finance Islamic Finance is a method of doing business which essentially has groundings in Islamic Law, principles from which have existed for many hundreds of years. Given that the … Continue reading A Brief Introduction to Islamic Finance and Islamic Fintech
The UK Housing Market – June 2020 Update As part of our weekly blog series, we have looked at lockdown measures put in place as a result of the Covid-19 pandemic and the subsequent effect on various industries and economic indicators. In the UK, we are now into the fourth month of lockdown measures, and with this, economic data is starting to pick up on the effects of the drop in commercial activity in the UK. Reopening of the Housing Market Communities Minister Robert Jenrick announced the reopening of the housing market in line with an easing of lockdown measures … Continue reading UK Housing Market June Update
There are many things unprecedented about the times we are currently living in. Never before has the government provided such substantial and comprehensive financial support to the British public, nor have we been confined to our homes like this since the Spanish Influenza of 1919. The challenges presented by this pandemic have required drastic and innovative action across areas of policy, planning and engagement. Two areas of policy are particularly crucial at this time, known as fiscal and monetary policy. The government is responsible for fiscal policy, setting the appropriate rates of taxation and spending on different projects. Ultimately, the … Continue reading Economic Downturn – What Can Be Done to Mitigate the Shock?
As the lock-down continues, we thought it would be interesting to gain a view on the current state of the UK property market, as well as some interesting potential for innovation in the sector. Current Market Trends At the end of April, real estate intelligence company Zoopla published an estimation that £82bn worth of property transactions were on hold due to Coronavirus restrictions.1 The extensive barriers posed by lockdown measures are expected to halve the number of completed property sales for 2020; unsurprising given the many moving parts which govern property transaction.2 The Government also issued specific guidance, advising people in the middle of the … Continue reading UK Property Sales in the Time of Covid-19 – The Yielders Perspective
A number of users have been in touch to ask about their Zakat commitments on their investments with us now that Ramadan is underway. As always, we are keen to help provide guidance on fulfilling the obligations on your investments with us. This year, we also wanted to talk about the Series A shares on Seedrs, as this is not something we have covered with our investors before. We have broken out specific guidance for each type of share associated with Yielders below. Shares in Retail Assets (2-5 Year Investment Term, Monthly Dividends + Capital Appreciation Share) [Assuming a 3 year term] For retail … Continue reading Zakat and Yielders Investments
As a result of the spread of COVID-19, life has changed significantly for everyone over the past few weeks. Across the world, governments have instituted strict curbs on movement in order to halt the spread of the virus, leaving many unable to work. The reality of the situation pervades almost every area of life, and the economy is certainly not isolated, economist unfortunately already predicting a slowdown akin to 2008. It has been, however, heartening to see the response of many who have valiantly stepped in to help the more vulnerable among us in society, especially in the UK where … Continue reading Covid-19 and the UK Economy
An Important Message from Yielders’ CEO To our valued customers, The stringent process by which we acquire assets contains a significant number of moving parts, involving many individuals whose jobs are considered by the government to be ‘non-essential’ such as … Continue reading COVID-19 UPDATE
Given the rather grim news that has hit the headlines over the past few weeks, you might be inclined to ask what this all means for Yielders and your investment. This post serves to give you the inside track on our view of things here at Yielders, as well as a reminder of the key fundamentals of our assets. The truth is, nobody knows exactly when the market will right itself, however we are almost certainly going to see a significant slowdown in global economic activity over the next few months. Nerves surrounding trade, geopolitics and supply chains are prompting … Continue reading Corona Volatility: How Might You Be Affected as a Yielders Investor?
Sometimes, our users ask us if they are able to use their credit cards to invest on our platform. Our sophisticated payments provider, MangoPay, is able to facilitate payment via three methods: debit card; bankwire transfer; and credit card. Our investors are free to use whichever method they like, however we would like to clarify our stance on using credit cards with us. We always do our best to discourage the use of interest-bearing products such as credit cards for a number of reasons. First, as an ethical investment platform, we take pride in offering competitive investment products that are entirely free from debt or … Continue reading Using a Credit Card with Yielders
Recent changes to student visa rules could significantly benefit investors in UK property, strengthening demand for an already highly subscribed asset class. The new rules mean that foreign students will have a two-year period in which to look for employment after receiving their diploma, able to seek employment in any number of the UK’s world-leading industries. The change applies to those starting courses beginning late next year. A number of educational consultancies in traditionally strong feeders of foreign students into the UK such as China and India[i] have reported a flood of enquiries about Undergraduate and Postgraduate applications, showing the UK … Continue reading Student Visa Changes and Demand for Student Property in the UK