Towards ubiquitous requirements engineering through recommendations based on context histories

The growing technological advance is causing constant business changes. The continual uncertainties in project management make requirements engineering essential to ensure the success of projects. The usual exponential increase of stakeholders throughout the project suggests the application of intelligent tools to assist requirements engineers. Therefore, this article proposes Nhatos, a computational model for ubiquitous requirements management that analyses context histories of projects to recommend reusable requirements. The scientific contribution of this study is the use of the similarity analysis of projects through their context histories to generate the requirement recommendations. The implementation of a prototype allowed to evaluate the proposal through a case study based on real scenarios from the industry. One hundred fifty-three software projects from a large bank institution generated context histories used in the recommendations. The experiment demonstrated that the model achieved more than 70% stakeholder acceptance of the recommendations.

Assistance in the administration system of the Pelangi Waste Bank, Siak Regency

Pelangi Waste Bank is a foster from the Siak Regency Government under the coordination of the Environmental Service (DLH). The activities of the waste bank are quite good, but they still need assistance in marketing by making brochures and bookkeeping administration in the form of savings books. This activity is supported by PT Chevron's CSR funds, which encourage modern institutional governance that is in line with current needs. With a participatory discussion approach, investigation and assistance, the process of preparing brochures and passbooks can run smoothly and according to needs. Even administratively, it has an impact on strengthening the organization, namely the waste bank institution.

Problematic issues of identification of a person as the main tool of combating money laundering in the circulation of electronic money

The article investigates some problematic issues concerning identification of persons that perform financial operations as the main way to combat money laundering in the cycle of e-cash. It draws readers’ attention to the speedy development of the Internet technologies that results in the increasing popularity of new payment systems including e-cash. It is emphasized that the advantages provided to some people by the use of e-cash in their economic operations can be used by other persons for certain criminal purposes. In this aspect e-cash has found its extensive application in the grey sector of the world economy and as such requires a more intensive control over its use. The authors of the investigation prove that identification of the persons using payment tools is currently one of the most effective ways to prevent e-cash from being used in illegal activities. International organizations whose purpose is to combat money laundering always recommend different states to improve their mechanisms of the identification of the persons involved in financial operations. The analysis of person’s identification applied to the customers of financial operations proves that the basic mechanism of reliable identification is the list of documents that identify a person being fixed in the national laws. The range of these documents and their quality vary in different countries, thus proving the peculiar features of these states. The issue of the identification of financial operation customers is in Ukraine in the phase of its intense formation. The laws establish only the main documents to identify a person. At the same time, in our opinion, the legislation currently in effect must foresee complete lists of the documents that a bank institution has the right and possibility to ask for with view of person’s identification. Such lists must take into consideration not only average situations but also cases of natural disasters, socio-political changes in the society, presence of the person on the territory of another country, etc. The approval of such lists should allow banking institutions to duly observe the provisions of our national legislation designed to prevent money laundering.

EVOLUTION OF CENTRAL BANKS

Introduction. Throughout the centuries there took place a process of central banks’ development that reflected on the area of target defining, establishing the relationship with government, interconnection with financial market participants, inner management processes. This institute’s evolution from the first bank of issue creation till the modern central bank, including the supranational central bank in the European Union, is characterized by complicated tools of the change of policy, practice, institutional structure, aims and status. Nowadays the next stage of central banks’ development occurs and is characterized by expanding the mandate, reforming the policy, developing innovative aims. This stage is outlined with the global financial and economic crisis and the post-crisis period of the world financial system’s recovery. Under these circumstances, the central banks’ role tends to increase in terms of overcoming the consequences on the global financial and economic crisis that prompts actualizing the issues of integration of unconventional measures in the monetary policy tool, coordination of work of central bank and government concerning debt management, cooperation between the central bank and international financial institutions within the framework of debt management, cooperation between the central banks and international financial institutions within the framework of banking management. Purpose. Generalization of stages and systematization of the causes of emergence, formation and development of a central bank institution through the study of their creation’s evolution and functions’ transformation. Method (methodology). In order to investigate the historical processes, logical sequence of central banks’ development both historical and logical methods of scientific researches were applied. Results. The reasons of central banks’ emergence were generalized, the evolution of central banks’ creation was studied, stages of emergence and development of central banks were further developed and systematized. The peculiarities of the modern stage of central banks’ functioning, role’s change and transformation of functions under the influence of global financial and economic crises.

IMPLIKASI BANK ASI TERHADAP KETENTUAN HUKUM RADHA’AH SEBAGAI WUJUD DINAMIKA ISLAM DI INDONESIA

Officially, there is no ASI Bank institution in Indonesia. But in practice, the legal facts are found in the community in the form of breastfeeding donors (donor ASI). In principle, the performance process of distributing breast milk banks and breast milk donors has many similarities. However, the breastfeeding donors in the community are not always redeemed by payment, in contrast to the concept of Bank ASI which is clear and clearly trades breast milk. From an Islamic legal perspective, these two legal facts have the same legal effect on the provisions of radha'ah (mahram sepersusuan). If the process of distributing breastfeeding donors is not carried out according to the provisions of Islamic law, then the practice of breastfeeding donors can violate the provisions of radha'ah so that Islam cannot justify it. AbstrakSecara resmi, belum ada lembaga Bank ASI di Indonesia. Namun secara praktek, fakta hukumnya ditemukan di masyarakat dalam bentuk donor ASI. Pada prinsipnya, proses kinerja pendistribusian Bank ASI dan donor ASI punya banyak kesamaan. Hanya saja, donor ASI di masyarakat tidak selalu ditebus dengan pembayaran, berbeda dengan konsep Bank ASI yang terang dan jelas memperjualbelikan ASI. Ditinjau dari perspektif hukum Islam, kedua fakta hukum tersebut memiliki akibat hukum yang sama terhadap ketentuan radha’ah (mahram sepersusuan). Apabila proses pendistribusian donor ASI itu tidak dilakukan menurut ketentuan hukum Islam, maka praktek donor ASI tersebut dapat melanggar ketentuan radha’ah sehingga Islam tidak dapat membenarkannya.

Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Yang Berkeadilan Kajian Peraturan Otoritas Jasa Keuangan Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan

Abstrak Peranan internet dalam teknologi informasi telah digunakan untuk mengembangkan industri keuangan (financial industry) melalui modifikasi dan efisiensi layanan jasa keuangan yaitu dikenal dengan istilah Financial Technology atau Fintech. Fintech jenis pinjam-miminjam uang berbasis teknologi atau peer to peer lending (P2P-lending) merupakan jenis Fintech yang tumbuh pesat di Indonesia, kelebihan pinjam meminjam uang melalui layanan P2P-lending lainnya adalah syarat yang sangat mudah dan proses yang cepat dibandingkan meminjam uang melalui Lembaga Bank. Namun kemudahan transaksi yang ditawarkan oleh layanan P2P- lending justru memperlemah posisi dari konsumen. Permasalahan Bagaimanakah Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Fintech. (Financial Technology) Yang Berkeadilan, Tujuan untuk mengetahui bagaimanakah penerapan konsep utilitarianisme untuk mewujudkan perlindungan kosnumen fintech ( finansial technology yang berkeadilan . Kata kunci : utilitarianisme, perlindungan konsumen, berkeadilan Abstrak The role of the internet in information technology has been used to develop the financial industry through the modification and efficiency of financial services, known as Financial Technology or Fintech. Fintech borrows money based on technology or peer to peer lending (P2P-lending) is a fast-growing type of Fintech in Indonesia, the advantages of lending and borrowing via other P2P-lending services are very easy conditions and a fast process compared to borrowing money through Bank Institution. But the ease of transactions offered by P2P-lending services actually weakens the position of consumers. Problems How to Implement the Utilitarianism Concept to Realize Fintech Consumer Protection. (Financial Technology) that is just, the aim is to find out how the application of the concept of utilitarianism is to realize the protection of fintech consumers (equitable technology finance. Keywords: utilitarianism, consumer protection, justice

Etika Profesi Dewan Pengawas Syariah

<p><em>Among distinction between conventional banking and Islamic banking is the organizational structure. At Islamic banking and other islamic financial institutions should have a sharia supervisory board. The Shari'ah supervisory board is located in the central office and its function is to oversee the business activities of the bank in accordance with the principles of shari'ah. In carrying out its functions, the Shari'a supervisory board must follow the DSN fatwa. </em><em></em></p><p><em>In the early days, members of the DPS banking were only proposed by the bank institution to DSN-MUI to obtain a decree as a ligality of their membership. Therefore at that time the syari'ah bank to propose candidates for the Shari'ah supervisory board simply chose someone who became a religious leader, cleric and ulama in the place of work of the bank.</em></p><p><em>After issuing the DSN-MUI Decree No. 02 of 2000, DPS membership is made an extension of the DSN whose legality is improved in the membership mechanism through competency testing, which is in the DSN Language to attend "invitation to prospective DPS member friendship". Members of the Shari'ah Supervisory Board will get DSN certification if it has been considered to meet the standards set.</em><em></em></p>

Promoting Islamic Private Equity Fund As An Ideal Financial Intermediary Institution

The existence of financial intermediation institution is quite necessary to support the economic activity. It serves both surplus unit and deficit unit to meet their wants whereby the former wants to invest his money in the lack of skill, while the latter wants to develop their businesses but does not have adequate capital. Bank institution is the most common institution serving the people’s need of financial intermediation. However, bank has several weaknesses that may harm and hamper the economic development. This paper aims to explore the weaknesses of banks as financial intermediary institutions and then promote Islamic Private Equity Fund as alternative. The result showed that the weaknesses of banks are: 1) fractional reserve banking, 2) fiat money, 3) debt-based investment, 4) risk averse. Furthermore, the study also found that Islamic Private Equity Fund can serve as an ideal financial intermediary institution due to some strengths: 1) no fractional reserve banking, 2) equity-based investment and 3) risk taker

The effect of financial institution ownership on firm value

This research aims to examine the effect of financial institution ownership (bank institution and non-bank institution) on firm value and also whether there is a difference of the effect between financial institution ownership in form of bank institution and non-bank institution on firm value. Total observations are 270 listed firms on Indonesia Stock Exchange in 2012-2014, resulting to 809 observations. The result of this research shows that financial institution ownership in the form of bank institution has no influence on firm value while financial institution ownership in the form of non-bank institution has a positive influence on firm value. This research shows that the influence of financial institution ownership in form of non-bank institution is greater than influence of financial institution ownership in form of bank institution on firm value. Regulator of financial institution could create new rules to encourage investment by non-bank institutions in public companies for effective monitoring and increase firm value. This research reveals the effect on financial institution ownership in form of bank and non-bank institution rather than institutional ownership on firm value in Indonesia that has not been discussed by other researches.