SUKUK MUDHARABAH SEBAGAI INSTRUMEN KEUANGAN ISLAM IDEAL KONTEMPORER

ALQALAM ◽  
2013 ◽  
Vol 30 (1) ◽  
pp. 79
Author(s):  
Alimin Alimin
Keyword(s):  
Key Words ◽  
Islamic Banking ◽  
Fluctuation Phenomenon ◽  
High Return ◽  
Winning Number ◽  
Very High

The year 2012 and 2013 can be regarded as the mudaraba sukuk revival since winning number and the value as compared to previous years. Indonesian mudaraba  sukuk  attract  Islamic financial worlds'   attention,  because  he was the first Indonesian sukuk while abroad is more aitively issuing ijara sukuk. In addition, it is identified that the Indonesia mudaraba sukuk is very attractive to investors and seem to be consistent and honest, but why ultimately mudaraba sukuk like abandoned? Actually, the more appropriate format for sukuk is mudhrabah while it is difficult to be applied in Islamic banking. Indonesia mudaraba sukuk application is quite phenomenal because it provides a very high return even once reached 24.3%, the highest return compared to all the world's sukuk and more Islamic and even more consistent in many ways. However, according to the application in general, mudaraba sukuk is still not consistent in terms of  Shariah compliance, such as providing income and principal guarantees. Further, the fluctuation phenomenon of use of fixed return sukuk type and floating return in Indonesia is quite interesting to obseroe the high returns associated with these and also with the market desire to implement the shariah compliant sukuk. The authors analyze the problem in this paper qualitatively from two perspectives, namely through sharia compliance perspective and the perspective of investment effectiveness. Key words: mudaraba, sukuk, Islamic financial, Islamic banking  

اختلاف آراء الفقهاء حول تطبيق منتجات التورق المنظم، وبيع العينة، والدَّين في المصارف الإسلامية Differing views of Islamic jurists on the implementation of organized tawarruq products, bay‘ al-‘aynah, and credit by Islamic banks

2013 ◽  
Vol 9 (2) ◽  
pp. 1
Author(s):  
محمود بن محمد علي محمود (Al Mahmoud)
Keyword(s):  
Key Words ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financial Transactions

تهدف هذه الدراسة إلى بيان الطريقة التي تُطبّق بها منتجات المصارف الإسلامية الماليزيّة، ومعالجة تلك التطبيقات التي أدّت إلى الخلاف بين فقهاء ماليزيا والمشرق الإسلامي. ووضّحت الدراسة محلّ الإختلافات الفقهيّة مُبيّنة أنَّ ما يُثار من مثل هذه الخلافات يتركّز في طريقة تطبيق بعض صور المسائل الإجتهاديّة التي أخذت بها الهيئات الشرعيّة في ماليزيا، وهذه الأساليب في طريقها للترشيد إلى الثواب. وقد اعتمد الباحث على المنهجين الأساسيين وهما: المنهج التحليلي النقدي، والمنهج المقارن بغية الوصول إلى النتائج المرجُوّة. وأخيرًا، قد تحفّظ الباحث على طريقة بعض الأساليب التي تُطبّق بها منتجات المعاملات الماليّة، مُوضّحةً آراء الفقهاء المعاصرين، وحُكم الشرع فيها، مما يلزم النظر فيها ومُراجعة تطبيقها لتنضبط بالضوابط الشرعية. الكلمات المفتاحية: آراء الفقهاء، التورق المنظم، بيع العينة، الدين، المصارف الإسلامية**************************This study aims to describe how Malaysian Islamic banking products are implemented and how some of these implementations lead to disagreement between the Islamic jurists of Malaysia and Islamic East. The study pointed out the areas of juristic differences indicating that these differences are rooted in the process of applying some forms of ijtihÉdÊ issues that are accepted by the Malaysian religious bodies and these methods are in the process of improvement towards accuracy. The researcher maintained reservation on some methods applied in the products of financial transactions; in doing so, the researcher explained the relevant views of contemporary jurists and Share‘ah rulings that require re-consideration and review of their applications in order to modulate them with Share‘ah regulations. The researcher has relied on two primary approaches: critical cum analytical and comparative. Key words: views of jurists, organized Tawarruq, Bay‘ al-‘Aynah, Credit, Islamic banks.

Relationship Analysis of Islamic Banking between Malaysia and Pakistan

2018 ◽  
Vol 5 (4) ◽  
pp. 1-6
Author(s):  
Khurram Faisal Jamal
Keyword(s):  
Large Range ◽  
Primary Objective ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Relationship Analysis ◽  
Banking Institutions ◽  
Qualitative Technique ◽  
Performance Problem ◽  
Very High ◽  
Product Preference

Islamic banking is basically a system of financial intermediation, its primary objective is to avoid receipt and payment of interest. Islam does not only prohibit dealing with interest but also with liquor, pork, gambling, pornography and any other thing which are considered haram according to Shariah. The objectives of the research is to study and describe the Islamic financing techniques used by Islamic banking institutions in Malaysia and Pakistan. For this research seven variables Promotion, Product, Preference, Knowledge, Performance, Problem and Infrastructure was taken. Qualitative technique was used to answer the research objective. The findings of research indicate that lack of awareness of Islamic banking is very high in Pakistan as compared to Malaysia. A few promotions were used by Islamic banks in Pakistan while in Malaysia customers are knowledgeable about Islamic banking because banks promote them aggressively. There is a need of government and education sector support to promote Islamic banking in both countries. The study also found that Islamic banks in Malaysia have large range of products as compared to Pakistan. The practitioners from both countries are agreed at this point that BBA, Ijarah and Murabaha are more profitable and less risky than Musharaka and Mudaraba. The Islamic banking products are almost used for same purposes in both countries while some differences are also exists.  Keywords: Islamic Finance, Comparative Study, Malaysia, Pakistan

scholarly journals Prevalence of amphistomes in Black Bengal goats in Mymensingh district

1970 ◽  
Vol 4 (2) ◽  
pp. 103-106 ◽  
Author(s):  
MZ Uddin ◽  
T Farjana ◽  
N Begum ◽  
MMH Mondal
Keyword(s):  
Key Words ◽  
Summer Season ◽  
Mixed Infections ◽  
Lower Prevalence ◽  
Gastrothylax Crumenifer ◽  
Control Procedures ◽  
Multiple Species ◽  
Paramphistomum Cervi ◽  
Very High

To investigate the prevalence of amphistome parasites in Black Bengal goats slaughtered at different slaughterhouses of Mymensingh district, a total of 144 gastro-intestinal tracts were examined during the period of July 1998 to June 1999 in the Department of Parasitology, Bangladesh Agricultural University, Mymensingh. Out of 144 Black Bengal goats, 105 (72.92%) were infected with a single or multiple species of amphistomes.  In present investigation, three species of amphistomes viz Paramphistomum cervi, Cotylophoron cotylophorum and Gastrothylax crumenifer were identified. The highest infection was observed with Paramphistomum cervi (65.28%) and lowest infection with Cotylophoron cotylophorum (36.11%). Mixed infections with two or more species of amphistomes were found in 60.42%. Age had a significant (p < 0.01) influence on the prevalence of amphistomes in goat. A higher prevalence (89.58%) was observed in older animals followed by young animals (78.57%), whereas a lower prevalence (45.0%) in growing animals. However, the prevalence increased with the increase of age. The females (75.0%) were found more (1.44 times) susceptible to amphistomes infection than the males (67.5%). The prevalence of amphistomes was very high all the year round and the rate of infection was 83.64%, 69.23% and 64.0% during monsoon, winter and summer season respectively. The present study concluded that Black Bengal goats are susceptible to amphistome infection irrespective of age, sex and season of the year. So, control of these parasites is essential and the further investigation is needed, focusing on control procedures of amphistomes infection in goats. Key Words: Amphistomes, prevalence, Black Bengal goats DOI = 10.3329/bjvm.v4i2.1292 Bangl. J. Vet. Med. (2006). 4 (2): 103-106

scholarly journals Customer Perception Regarding Car Loans in Islamic and Conventional Banking

2012 ◽  
Vol 2 (6) ◽  
pp. 174
Author(s):  
M. Taimoor Hassan ◽  
Mehtab Ahmed ◽  
Muhammad Imran ◽  
Azhar Naeem ◽  
Mudassir Waheed ◽  
...  
Keyword(s):  
Key Words ◽  
Statistical Technique ◽  
Primary Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Chi Square ◽  
Customer Perception ◽  
Conventional Banks ◽  
Corporate Customers

Purpose: To see the customer perception regarding car loans in Islamic and conventional banking. Methodologies: This study is based on primary data. These followed by only Bahawalpur corporate customers are taken as the sample research. Firstly the persons have been identified of the selected banks that are the financial affairs of those banks. When these people show their willingness then questionnaire has been filled by them and the required data has been collected. The statistical technique chi-square had been adapted for analysis the data. Findings: Total 120 questionnaires have been distributed among different banks and out of which 104 were get completed and returned. Peoples prefer conventional banks for car loans as compared to Islamic banks.   Key Words: Islamic Banking, Corporate Customer, Car Financing.

scholarly journals Inexpensive Intelligence Using Procedural Propositional Logic

2009 ◽  
Vol 13 (2) ◽  
Author(s):  
Richard C. Hicks ◽  
Keith Wright
Keyword(s):  
Propositional Logic ◽  
Inference Engine ◽  
External Costs ◽  
High Return ◽  
Order Of Magnitude ◽  
Inference Systems ◽  
The Cost ◽  
Engine Systems ◽  
Logic Rule ◽  
Very High

Implementations of inference engine systems invoke many costs, including the cost of the inference engine itself, the cost of integrating the inference engine, and the cost of specialized personnel needed to create and maintain the system. These costs make a very high return on investment a criterion for incorporating these systems into the corporate portfolio of applications and technologies. Recently, the No Inference Engine Theory (NIET) [8] has been developed for creating procedural propositional logic rule-based systems. The NIET systems are implemented in traditional procedural languages such as C++ and do not need an inference engine or proprietary languages, thus eliminating the cost of the inference engine, the cost of integrating the system, and the cost for knowledge of a proprietary language. In addition, these procedural systems are an order of magnitude faster [8] than inference systems and maintain linear performance. For problems using propositional logic, the procedural systems described in this paper offer dramatically lower costs, higher performance, and ease of integration. Lowering the external costs and eliminating the need for specialized skills should make NIET systems more profitable and lead to the wider use of propositional logic systems in business.

scholarly journals ANALISIS KOMUNITAS MANGROVE DI KECAMATAN SEKOTONG LOMBOK BARAT NTB

2019 ◽  
Vol 19 (1) ◽  
Author(s):  
Lalu Japa ◽  
Didik Santoso
Keyword(s):  
Cluster Analysis ◽  
Species Composition ◽  
Key Words ◽  
Tree Density ◽  
Mangrove Tree ◽  
Rhizophora Apiculata ◽  
Percentage Similarity ◽  
Percentage Covering ◽  
Very High ◽  
Program Version

Abstrak:Komunitas mangrove di kawasan Sekotong Lombok Barat telah diteliti untuk mengetahui komposisi spesies, kerapatan  individu setiap spesies,dan  persentase tutupannya. Total sebanyak 28 plot (kudrat) berukuran 10m x 10m dibuat pada 9 transek di lima stasiun. Foto tutupan kanopi mangrove dan parameter komposisi komunitas dianalisis menggunakan software ImageJ dan template spreadsheet. Data kerapatan pohon dan persentase tutupan mangrove dianalisis dengan ANOVA. Persentase kesamaan antara stasiun menggunakan Biodiversity Program Version 2 berdasarkan the Bray Curtis Cluster Analysis. Komunitas mangrove di Kecamatan Sekotong Lombok Barat teridenfikasi 8 spesies, meliputi 5 genus, dan 4 famili. Rhizophora apiculata tersebar disemua transek penelitian. Transek SKTM02B memiliki kerapatan pohon tertinggi sebesar 2800 pohon/ha. Tiga transek dengan persentase tutupan tertinggi berturut-turut SKTM04T, SKTM04, dan SKTM01A. Persentase kesamaan antar stasiun sangat tinggi mencapai 82,503 –  95,423%. Persentase kesamaan tertinggi (95,423%) terjadi antara stasium SKTM04 dan SKTM05. Kata kunci : mangrove, Sekotong, komposisi spesies, kerapatan, dan persentase tutupan Abstract: Community of mangrove in the area of Sekotong West Lombok has been researched to know the species composition,  individual density of each species, and percentage covering. Total number of 28 plots of 10 m x 10 m in size were set in 9 transects in 5 station. Photographs mangrove canopy covering and parameter of mangrove community composition were analyzed by using the software ImageJ and  template spreadsheet. ANOVA was applied for analyzing the data of mangrove  tree density and percentage covering. The Bray Curtis Cluster Analysis. using Biodiversity Program Version 2 was also used for analyzing the percentage similarity among station. The community of mangrove of Sekotong West Lombok consists of 8 species, 5 genera, dan 4 family. Rhizophora apiculata was recorded in all transects. The highest density (2800 trees/ha) of mangrove was recorde in ransect SKTM02B.. The three transects with the highest percentage covering were SKTM04T, SKTM04, dan SKTM01A, respectively. Percentages similarity among station were very high (82,503%  –  95,423%). SKTM04 and SKTM05 were the two station with  the highest percentage similarity (95,423%). Key words : mangrove, Sekotong, species composition, density, and percentage covering 

Practicing for Business Intelligence Application with SQL Server 2008

2010 ◽  
Vol 20-23 ◽  
pp. 1499-1503
Author(s):  
Zhi Jun Ren
Keyword(s):  
Best Practices ◽  
Business Intelligence ◽  
Return On Investment ◽  
Sql Server ◽  
High Return ◽  
Successful Business ◽  
Intelligence Application ◽  
Very High

Successful business intelligence application used by an enterprise often produces a very high return on investment. This paper introduces the application of best practices to business intelligence infrastructure with SQL Server 2008.

scholarly journals PENGEMBANGAN BUSANA FANTASI DENGAN SUMBER IDE BUSANA TRADISIONAL DAYAK

2019 ◽  
Vol 10 (2) ◽  
pp. 116
Author(s):  
Kadek Onny Swastini ◽  
I Gede Sudirtha ◽  
Ketut Widiartini
Keyword(s):  
Data Collection ◽  
Research And Development ◽  
Key Words ◽  
Design Development ◽  
Product Testing ◽  
Is Research ◽  
Product Test ◽  
Validity Criteria ◽  
Very High

Abstrak Penelitian ini bertujuan untuk mendeskripsikan hasil pengembangan busana fantasi dengan sumber ide busana tradisional Dayak. Jenis penelitian yang digunakan adalah penelitian pengembangan (Research and Development) dengan model pengembangan ADDIE yang terdiri dari 5 tahap, yaitu : analisis, (analyze), desain (design), pegembangan (development), implementasi (implementation), dan evaluasi (evaluation). Metode pengumpulan data dalam penelitian ini dilakukan dengan penilaian instrumen pengembangan busana fantasi dengan sumber ide busana tradisional Dayak. Instrumen ini diuji oleh dua ahli isi, yang dihitung dengan rumus Gregory, sehingga validitas instrumen diperoleh sebesar 0,90 dengan kriteria validitas sangat tinggi sehingga dapat digunakan untuk uji produk. Hasil pengembangan busana fantasi terdiri dari 2 busana, yaitu busana fantasi dengan siluet L, dan busana fantasi dengan siluet A yang bersumber ide busana tradisional Dayak. Hasil produk busana fantasi ini memiliki kualifikasi sangat baik dengan presentase 94,54% pada uji produk busana. Kata Kunci : Busana Fantasi, Pengembangan, Sumber Ide Abstract The research aims is to describe the results of fantasy fashion development, which the ideas come from the traditional Dayak fashion. The type of this research is Research and Development and it is used the model of ADDIE development which consists of 5 stages, namely : analyze, design, development, implementation, and evaluation. The method of data collection in this study was carried out by assessing the instruments of fantasy fashion development with sources of Dayak tradisional fashion ideas. This instruments was tested by two content experts, which ware calculated by Gregory‟s formula, so the instruments validity was 0,90 with very high validity criteria so that it could be used for product testing. The results of the development of fantasy fashion consisted of 2 fashions, namely fashion fantasy with L silhouette, and fantasy fashion with A silhouette sourced from traditional Dayak fashion ideas. The results of this fantasy fashion product have very good qualifications with a percentage is 94,54 % in the fashion product test. Key words : fantasy fashion, development, source of ideas.

scholarly journals Peran Masyarakat dalam Pengendalian Kebakaran Hutan di BKPH Slarang KPH Pemalang

2021 ◽  
Vol 12 (2) ◽  
pp. 78-85
Author(s):  
Bambang Hero Saharjo ◽  
Yulia Eka Nurjanah
Keyword(s):  
Key Words ◽  
Community Participation ◽  
Forest Fire ◽  
Forest Fires ◽  
Forest Disturbance ◽  
Fire Control ◽  
Central Java ◽  
Causative Factors ◽  
Very High

Forest fires are a form of forest disturbance that often occurs. Every year, forest fires in Indonesia occur during the dry season. The causes of forest fires in Indonesia are natural and human factors. Forest fires cause an enormous loss in properly controlling forest fires. This study aims to analyze the factors that cause forest fires and examine the efforts to control forest fires and the role of community participation in forest fire control at BKPH Slarang, KPH Pemalang, Central Java. The highest forest fires occurred in 2015 with a frequency of 4 times that the total area of land burned was 11,10 hectares. Forest fire in BKPH Slarang caused a loss of costing IDR 50,234,000. The form of control exercised by BKPH is socialization or counseling about fires. Direct socialization or counseling is given to the community in various activities. Community participation is very high in prevention and blackout activities at BKPH Slarang KPH Pemalang. Key words: BKPH Slarang, causative factors, community participation, control of forest fire

AZIDE EFFECTS UPON N2O EMISSION AND TRANSFORMATIONS OF N IN SOILS

1985 ◽  
Vol 65 (1) ◽  
pp. 205-212 ◽  
Author(s):  
M. S. AULAKH ◽  
D. A. RENNIE
Keyword(s):  
Key Words ◽  
Inhibitory Effect ◽  
N2o Emission ◽  
Effective Inhibitor ◽  
Physiological Basis ◽  
General Inhibitor ◽  
Key Words Denitrification ◽  
Oxidation Of No ◽  
Very High ◽  
Stimulation Of

N2O emissions from soils under aerobic conditions were severalfold higher in the presence of azide (1 mM) than in its absence. Nitrogen, added either as NH4+ or NO3−, had no effect on the azide’s induced N2O production. Although the physiological basis by which azide induces the very high evolution of N2O remains unknown, it cannot be attributed to nitrification as a source of N2O emission in the presence of azide, the inhibitory effect of azide on the reduction of N2O to N2, or to the extensive destruction of azide by nitrite under the conditions of the present study. A possible explanation may lie in the stimulation of denitrification processes due to the azide’s role in the synthesis of denitrifying enzymes. This study has reconfirmed that, like N-serve and C2H2, azide (1 mM) is a very effective inhibitor of nitrification. However, azide had no effect on the oxidation of NO2− to NO3−, and was also shown not to be a general inhibitor of microbial activity. Key words: Denitrification, nitrification, dissimilatory nitrase reductase, denitrifying enzymes

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