ANALISIS KELAYAKAN INVESTASI DANA HAJI UNTUK PEMBANGUNAN PROYEK INFRASTRUKTUR JALAN TOL JAKARTA - CIKAMPEK II ELEVATED

Increasing the welfare of the Indonesian people, especially Muslims, encourages religious activities that require financial readiness, namely the Hajj. The high enthusiasm of Indonesian Muslims to register is not balanced with the quota of prospective pilgrims who depart each year, making the waiting list for the pilgrimage longer. The number of recipients of prospective pilgrims continues to grow from year to year. Registrants who want to perform the Hajj until June 2018 are 3,797,376 while the annual Indonesian Hajj quota is around 210,000 people. This creates an accumulation of initial deposit funds, in March 2018 total of hajj fund Rp. 105,191,372,936,614 were collected. This study aims to assess whether the Hajj funds are worth investing in toll road infrastructure projects. Starting from identifying problems to calculating investment feasibility to cooperation agreements Management of Hajj funds with Islamic banks under musyarakah mutanaqishah agreement to investing in toll road infrastructure projects. The capital budgeting method is used to calculate the feasibility of investment, NPV value of Rp. 54,805,724,000,000, then IRR value is 62%, BCR is 3.61, and payback period is 12 years. The conclusion is Hajj fund is worth to investing in the toll road infrastructure project Jakarta - Cikampek II Elevated.

Archives and Classification: A Methodological Approach

The attention paid to the original position (initial deposit) of archive material in the phase of reordering is a sensitive subject within the archival praxis. This is the basis from which takes form the reorganization model proposed in this contribution takes form. Keeping in mind this solicitation comes therefore exposed the criteria utilized for the treatment of information deriving from material preserved in a university building archive.

RENT TO OWN AS VALUE-BASED FINANCIAL INTERMEDIATION: LEGAL AND SHARIAH ANALYSIS

Generally, Rent to Own (RTO) is a financial scheme offered by financial institutions to help those who cannot afford the 10% initial deposit and access to financial schemes. One value-based intermediation (VBI) initiative is the RTO Islamic financing product. The market segment of this product is for the new generation whereby they can own a house without paying any deposit on account of the fact that housing estates are increasingly expensive. This paper starts with the background concept of VBI, then it discusses on the modus operandi of RTO offered by financial institutions. This paper also discusses legal and Shariah aspects related to RTO. Adopting a qualitative method, the data were collected through semi-structured interviews with relevant parties involved with the RTO product. In addition, some preliminary information had been accessed through the financial institution’s website. This paper found that RTO has played important roles as one viable VBI initiative and it is approved as a Shariah compliant product

Rekomendasi Pemilihan Produk Simpanan Tabungan Bank Menggunakan Metode Weighted Product (WP)

Many banks in Indonesia, both public and private banks, offer different advantages to the customers. As a result, it is often difficult for the public to decide where to save their money. For this reason, the writer propose a decision support system to help recommend a bank as a smart solution for saving. This study employed the Weighted Product (WP) with seven criteria, namely initial deposit, subsequent deposits, administrative costs, depositional balances, interest rates, age range, and facilities. This system can help the prospective customers determine the ideal savings place for the future needs. This study shows that the highest final value after calculation is 0.0320 for Batara of BTN bank, and the lowest value is 0.0132 for Tapres of BCA bank.

Model Pengambilan Keputusan Garbage Can dan Dana Talangan Haji

Hajj Bailout Funds is a consumpetive financing aimed at customers to fulfill the initial deposit costs of the Hajj Implementation Costs (BPIH) determined by the Indonesian Ministry of Religion through the Integrated Hajj Computerized System (SISKOHAT), to obtain the seat number for the pilgrimage using the Qard contract and Ijarah. The Government's basis for issuing financing products for the Hajj Bailout Fund is based on the fatwa of the National Sharia Council (DSN) MUI No.29 / DSN-MUI / VI / 2002 dated June 26, 2002 concerning Financing of Hajj Arrangements by LKS (Islamic Financial Institutions). This study found that the garbage can method used only solves various problems that are on the surface, not solving a variety of other more complex problems. Among them is the problem of the pilgrimage interest which is increasing every year not accompanied by the improvement of Hajj supporting facilities; lodging, catering, passport and visa management which are often hampered by poor bureaucracy, separation of operators and regulators in carrying out hajj and the like. Overall the process of organizing the pilgrimage from year to year increasingly shows significant changes.

The Review of Opening Procedures of Sharia Based Saving in Sharia Financial Services Cooperation BMT Mitra Sadaya Branch of Purwakarta

This article describes the variation of syariah savings in the institution of the temple al-Maal wa al-Tamwil (BMT) Mitra sadaya. The approach used in this study is a qualitative approach and the type of data used in this study is descriptive. The object of this research is the analysis of the opening procedure of sharia savings at the institution of bait al-Maal wa al-Tamwil (BMT) Mitra Sadaya Purwakarta branch. The subject of the research is the source of data asked for the information according to the research problem. This study aims to determine the form of procedures, implementation procedures, the benefits of procedures and factors in running procedures in the opening of syariah savings. The results of this study are: Variations of Islamic savings at the institution of the temple al-Maal wa al-Tamwil (BMT) Mitra sadaya there are three contracts used: (1) principle akad wadi'ah, (2) Mudharabah contract principle, (3) Qard. Then for the opening procedure of syariah savings as follows: (1) Prospective customers / members come to the office or hold an appointment with marketing bait al-Maal wa al-Tamwil (BMT); (2) The prospective customer / member meets with the Customer Service section bait al-Maal wa al-Tamwil (BMT) Mitra sadaya; (3) Prospective customers / members fill out the application form of syariah account opening or savings account; (4) Prospective client / member shall sign the approval for opening of syariah saving account; (5) Entered and checked by the teller section; (6) Print sharia savings book in accordance with customer / member application; (7) The signing of officials related to the institution of al-Maal wa al-Tamwil (BMT) Mitra sadaya; (8) Calculate and give the first deposit money to the teller; (9) Input of initial deposit and deposit of deposit; (10) Re-check the nominal deposit with the amount of balance and stamp teller; (11) Account opening is completed and customers / members are welcome to go home. Shariah-compliant profit sharing of bait al-Maal wa al-Tamwil (BMT) Partners sadaya partner, if the form of ordinary sharia savings (other than deposits) gifts or profits are given equivalent to 35% of office income. However, if included in the category of gift deposits granted equivalent to 9% -13% per year. As well as deposits that fall into the category of capital of the institution of bait al-Maal wa al-Tamwil (BMT). Sadaya Partners that last from 4-5 years, the profits are equal to 30% -110%.

SPK: ANALISA REKOMENDASI BANK KONVENSIONAL DENGAN PROMETHEE SEBAGAI SOLUSI CERDAS UNTUK MENABUNG

Many banks in Indonesia, both government and private offer different advantages to customers, so there are still many common people who are hesitant in deciding where to save. The reasearch proposes a decision support system to recommend conventional banks as a savvy solution for saving. The promethee method generates decisions by comparing alternatives based on different preference functions and weights of each criterion in which the decision result is determined from the promethee II (net flow) rating. The criteria used as the valuation for conventional bank are savings interest rate (C1), number of ATM machine (C2), initial deposit of saving (C3), monthly administration fee (C4) and bank service (C5). This developed system resulted Bank Mandiri as recommendation of conventional bank as smart solution to save with net value 0,725. With this system can help prospective customers in determining the ideal saving place to prepare for future needs.