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Silber Dirham Silbermünze

Ebenso wie der Islamische Gold Dinar folgt der Islamische Silber Dirham seinem historischen Vorbild aus dem 7. Jahrhundert nach Christus, als das erste rein islamische Währungssystem eingeführt wurde, das sich als langlebig und äußerst stabil erwiesen hatte. Der Wert eines Islamischen Silber Dirhams liegt zwar deutlich unter dem der Gold Dinar, weist aber dennoch Vorteile auf. Silber wird in großen Mengen in der industriellen Fertigung verarbeitet und es ist davon auszugehen, dass die Produktionsmengen absehbar nicht mehr zur Deckung dieses Bedarfs aufreichen werden. Damit wird Feinsilber als Anlageobjekt sicherlich in der Zukunft weiter interessant bleiben.

NennwertMünzgewichtFeingoldMaterialpreis*AbmessungFeinheit
1 Dirham2.975 g2.972 g1,83 €
(2,14 $)
Ø 22 mm999 ‰
2 Dirham5.95 g5.94 g3,66 €
(4,28 $)
Ø 25 mm999 ‰
5 Dirham14.875 g14.86 g9,15 €
(10,72 $)
Ø 32 mm999 ‰
10 Dirham29.75 g29.72 g18,30 €
(21,44 $)
Ø 41 mm999 ‰
20 Dirham59.5 g59.44 g36,60 €
(42,87 $)
Ø 51 mm999 ‰

Der Standard für den Islamischen Silber Dirham wird von der World Islamic Mint (WIM) festgelegt. Die WIM ist jedoch nicht für die Prägung der Silber Dirham zuständig, die je nach ausgebendem Staat in dessen Münzprägeanstalten zwar nach den Vorgaben der WIM aber einzelstaatlich in ihrer Prägezahl ausgegeben werden. Nachdem die Dubai Islamic Bank und der Staat Malaysia als Befürworter der Idee eines neuen islamischen Währungssystems nach dem spanischen Professor Umar Ibrahim Vadillo bereit waren, erfolgte die erste Prägung 2001 durch die Dubai Islamic Mint. Der Islamische Silber Dirham wird zwar allgemein gehandelt, ist aber nicht als Währung oder Anlagemünze international anerkannt. Im westlichen Wirtschaftsraum gilt er demnach als Medaillen und unterliegt dem üblichen hohen Mehrwertsteuersatz.

Islamische Silber Dirham bestehen aus 999er Feinsilber und werden in einer Stückelung von 1 Dirham, 2, 5, 10 und 20 Dirham geprägt. Aufgrund des festgelegten Standards ist die Motivseite mit der Schahada geprägt, dem islamischen Glaubensbekenntnis. Dabei bildet ein Teil der Symbole zunächst einen äußeren Ring, der durch eine geschlossene Kreislinie vom Mittelpunkt der Fläche getrennt ist. Unterbrochen werden die Symbole im oberen Bereich vom Prägezeichen der World Islamic Mint, das aus einem Ornamentkreis und dem Buchstabenkürzel besteht. In der Innenfläche finden sich wiederum die Symbole der Schahada.

In Abweichung von den Traditionen des historischen Silber Dirham, der auf die bildliche Darstellung verzichtete, ist die Wertseite des Islamischen Silber Dirham der freien Gestaltung des aufgebenden Staates überlassen, solange die Darstellung nicht gegen Glaubensgesetze verstößt. Neben dem Nennwert des Dirham kann dort das Siegel eines Herrscherhauses, ein bekanntes Wahrzeichen oder das Staatswappen dargestellt sein. Das Ganze ist von einer umlaufenden Schrift eingefasst, die den Nennwert des Dirham und den ausgebenden Staat angibt. Der malayische Bundesstaat Kelantan, der aktuell den Silber Dirham als Edelmetall-Währung einführte, hat für diese Angaben auf die arabische Schrift verzichtet und das lateinische Alphabet gewählt. Unabhängig von einem bestimmten Staat gehört zum WIM-Standard die Ausgabe einer Hadj-Medaille, die auf einer Seite die Kaaba vor der al-Haram-Moschee in Mekka abbildet.

Die Prägemengen sind bislang nicht sehr hoch, steigen aber langsam durch den Einsatz gerade in Malaysia an. Bis Mitte 2010 sind lediglich Gold- und Silbermünzen mit einem Materialwert von 630.000 USD geprägt worden. Ein eher bescheidener Betrag orientiert man sich am zurzeit hohen Goldwert. Trotz der geringen Menge ist der Silber Dirham als Sammlermünze noch nicht sehr attraktiv, eher als Anlageobjekt im Rahmen eines ausgewogenen Bestandes an Gold- und Silberwerten.

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