BSM Distributes Virtue Loans

From Sharing Magazine, edt 24. 2008
PT Bank Syariah Mandiri (BSM) via the Institute Amil Zakat (LAZ) BSM People virtue loans (qordul hasan) to 200 micro-enterprises in Denpasar, Bali, 4 November 2008.
LAZ BSM Director People, Nature Sani said hundreds of micro entrepreneurs in Bali when it's been selected to receive a loan of virtue.
Qordul Hasan is a program of corporate social responsibility (CSR) for working capital rather than investment. "This loan does not charge interest or for the results and will roll on. " He said weekends are channeled through 14 lalu.pinjaman foundation / micro-enterprise groups to each of at least Rp. 1 million. The funds will be returned for 50 weeks and the first installment immediately rolled out to entrepreneurs who have not enjoyed this loan.

City Macro Entrepreneurship Award, 2008; bestowed 4 Performer UKM

From Sharing Magazine, edt 24, 2008
City Macro Entrepreneurship Award this year to give awards to four micro-entrepreneurs, 14 November 2008. They are Lailatun Afifah, Edy Gunarta, Yatmi and Nurul Farida. The four businessmen are setting aside 20 other finalists at the annual awards Citigroup Indonesia in cooperation with the SME Center, University Isndonesia (UI).
The four micro business that won the award after able to pass an assessment from the jury. One criterion is the turnover of not more than Rp. 50 million per year and at least 2 years old. Lailatun Afifah won awards in the field of manufacturing, processed foods, beverages and agriculture. Products produced micro business from Wonosobo, Central Java it is opaque cassava.

The launch of Sharia Celling Center

From Sharing Magazine, edt 24, des 2008

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"The product is good, but no one can sell. Sales are currently wearing the traditional way, just focus on the target. There must be value in it share a much higher value than just reaching the target, helping people, "said Hassan Haikal, Managing Director of Grace Consulting to sharing on the sidelines of the launch and the first Sharia-Selling Training Center at the Hotel Nikko, Jakarta, 21 November 2008 .
Grace Consulting, one of the sales and marketing consultant in Jakarta in collaboration with Karim Business Consulting (KBC) and Duta Griya Sarana (DGS) to establish Sharia Selling Center (SCC). SCC is a training program Seles and marketing Islamic products that could be followed by industry practitioners from across the institution of sharia.

Kidney Donor

From: Muzakki Magazine, edt 67

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Humans have two kidneys. But humans can survive with just one kidney. With a record should apply a healthy lifestyle and not work too hard. This is the one who pushed the permissibility of kidney donor. This should be done before the donor kidney is doing some investigation relating to organ compatibility with the recipient or not, and donors. Only when otherwise healthy, pedonor may donate by an authorized physician.
Donation or an organ donor kidneys from people who are still alive and well does not provide significant effect in accelerating the death of the donor. However, kidney donors should pay attention to their health because they live had a single kidney.
This conclusion was drawn after a team of researchers analyzed 80 374 healthy American men who have donated one of her kidneys since 1 April 1994 and the researchers examined the donor's return after 12 years of operation.
The result is expected to convince people to donate one of her kidneys so that shortening the waiting lists are an organ donor. During this time the donor kidney is mostly done by people who have died. Because of the lack of people who like to donors, patients who need a donor must wait a long time yet to receive even hinga died of kidney donor.

Halal Eating, Healthy Eating

From Muzakki Magazine, edt 67

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Eating kosher food is a must for Muslims. Not only is the content of halal food only, but also how to obtain it must be kosher, and we must also consider how its processing. The food we eat should not only be processed in a clean but must also be processed in a place that is not mixed with the presentation of processing tools or equipment used to process food that is haram. How makanpun must be adapted to the teachings of the Prophet, for the food we eat in addition to filling is also good for our bodies.
Tips on how to eat foods that are kosher:
1. Eat when you feel hungry.
2. Make sure the food we eat, the content, how to obtain and how to kosher processing.
3. Before the meal, read the first prayer and say basmalah.
4. Eat with your right hand.
5. Stop eating before satiety.
6. Read the prayer after the meal and say hamdallah.

Tips for Preventing Flu and Colds Without Medication

From Muzakki Magazine, edt 67

el_ghamar
Flu and Colds are two diseases that often come in the rainy season or the season transition like this now. But apparently there are ways to avoid and cure the flu and common cold without drugs. Here are some tips to prevent and treat flu without medicine.
1. Maintain hygiene by always washing hands after every trip and before eating.
2. Eat an orange every day.
3. Try to keep your body warm, always wearing a thick jacket or clothing if out of the house when it rains.
4. Drink plenty of water at least 8 glasses a day.
5. Eat garlic every day because they contain quercetin, a compound that fight viruses and bacteria to neningkatkan immunity.
6. Get plenty of rest.
7. Avoid stress to reduce stree immunity.
8. Exercise can strengthen the immune system, at least walk for 30 minutes.
9. If not a cold, drops a few drops of eucalyptus oil into a container of boiling water, cover head with towel and inhale its steam.
10. Do not smoke, because smoking causes a strain on the respiratory system.
11. Pray always to be avoided from health and disease.

7 Tips Instilling Child Seeing no Parent Facility

From Muzakki Magazine, edt 67.
el_ghamar
First, ask for the love of Allah and His Messenger and to execute commands of Allah and His Messenger.
Second, guiding children to learn more passion and not much play.
Third, inform / explain that wealth is not everything and that principal, but the main science, because science is the mother of success look for treasure.
Fourth, provide enough pocket money, so that children are not extravagant in buying something
Fifth, teach saving. Because saving is a plan for the future.
Sixth, membeikan advice if the child feel wrong in doing actions.
Seventh, always control the activities of children, so children do not fall into the hole disobedience and extravagance in buying anything.

Islamic Finance at James Bond’s Country

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Sumber: Majalah Muzakki eds 67.

The financial crisis affected many countries in the world especially the adherents of the capitalist State. It was in the spotlight important economic experts worrying the country's economy. Conventional Banks once considered important in the role of the banking industry is now increasingly faded. While Islamic banks are still standing strong after the storm blows of the crisis. Islamic banks have increased slowly.
Similarly, the existence in England. Countries with systems of this kingdom in general life of the service sector, especially financial services. Such as banking, insurance and so forth. The development of Islam was also a significant economic impact on the establishment of sharia in there. Is IBB (Islamic Bank of Britian). The first commercial bank in the UK who berdir since 2004. One study noted that Britain has the largest Islamic bank in the other State. Britain was ranked eighth in the world in Islamic banking assets. Asep UK Islamic banking has reached 18 billion U.S. dollars (12 Billion Pounds) in excess of assets of Islamic banking in Muslim countries like Pakistan, Bangladesh, Turkey and Egypt. CEO of UK Trade & Investment, Sir Andrew Chan, said that while Islamic economics does not originate from England, but Islamic finance has found its place in the UK.

Serupa Namun Berbeda antara Bank Syariah dan Bank Konvensional

         Bank merupakan salah satu urat nadi perekonomian sebuah negara, tanpa Bank, bisa kita bayangkan bagaimana kita sulitnya menyimpan dan mengirimkan uang, memperoleh tambahan modal usaha atau melakukan transaksi perdagangan Internasional secara efektif dan aman. Saat ini banyak orang memperbincangkan tentang perbankan syariah, yang merupakan salah satu perangkat ekonomi syariah. Sebenarnya apa definisi dari Bank syariah itu? Bagaimana cara kerja Bank Syariah? Dan apa bedanya Bank Syariah dengan Bank Umum yang banyak berkembang di masyarakat saat ini atau yang sering disebut juga dengan Bank Konvensional? Disini akan dibahas sekilas satu per satu tentang perbankan syariah.

Bank di Indonesia terbagi menjadi dua, yaitu bank syariah dan bank konvensional. Menurut UU RI No.7 Tahun 1992 Bab I pasal 1 ayat 1, “Bank adalah badan usaha yang menghimpun dana dari masyarakat dalam bentuk simpanan, dan menyalurkannya kepada masyarakat dalam rangka meningkatkaan taraf hidup rakyat banyak”. Perbankan syariah atau Perbankan Islam adalah suatu sistem perbankan yang dikembangkan berdasarkan syariah (hukum) islam. Usaha pembentukan sistem perbankan syariah ini didasari oleh larangan dalam agama islam untuk memungut maupun meminjam dengan bunga atau yang disebut dengan riba serta larangan investasi untuk usaha-usaha yang dikategorikan haram (usaha yang berkaitan dengan produksi makanan/minuman haram, usaha media yang tidak islami, dll), dimana hal ini tidak dijamin oleh sistem perbankan konvensional.

Ekonomi Syariah Lebih Fundamental

Oleh: Dr. Muliaman D. Hadad

Dikutif dari majalah Sharing Edisi 47 Tahun V November 2010

Di sela-sela pelantikan pengurus Masyarakt Ekonomi Syariah (MES) Yogyakarta (15/10), Ketua Umum MES, Dr. Muliaman D. Hadad berkomentar tentang currency wars dari sudut pandang ekonomi sayrriah.

"Masalah currency wars ini 'kan cuma simbol-simbol atau gejala-gejala yang timbul karena persoalan kultural ekonomi dunia yang lemah. ekonomi syariah menurut saya lebih fundamental. ekonomi syariah mampu menata kembali aturan main, misalnya tiap bisnis harus ada underlyning asetnya. nah, ini yang membuat ekonomi syariah tidak mudah bubble.

real and nominal Price of Commodities

Every man is rich or poor according to the degree in which he can afford to enjoy the necessaries, conveniences, and amusements of human life. But after the division of labour has once thoroughly taken place, it is but a very small part of these with which a man's own labour can supply him. The far greater part of them he must derive from the labour of other people, and he must be rich or poor according to the quantity of that labour which he can command, or which he can afford to purchase. The value of any commodity, therefore, to the person who possesses it, and who means not to use or consume it himself, but to exchange it for other commodities, is equal to the quantity of labour which it enables him to purchase or command. Labour, therefore, is the real measure of the exchangeable value of all commodities. The real price of everything, what everything really costs to the man who wants to acquire it, is the toil and trouble of acquiring it. What everything is really worth to the man who has acquired it, and who wants to dispose of it or exchange it for something else, is the toil and trouble which it can save to himself, and which it can impose upon other people. What is bought with money or with goods is purchased by labour as much as what we acquire by the toil of our own body. That money or those goods indeed save us this toil. They contain the value of a certain quantity of labour which we exchange for what is supposed at the time to contain the value of an equal quantity. Labour was the first price, the original purchase-money that was paid for all things. It was not by gold or by silver, but by labour, that all the wealth of the world was originally purchased; and its value, to those who possess it, and who want to exchange it for some new productions, is precisely equal to the quantity of labour which it can enable them to purchase or command.

Division of Labour 3

When the division of labour has been once thoroughly established, it is but a very small part of a man's wants which the produce of his own labour can supply. He supplies the far greater part of them by exchanging that surplus part of the produce of his own labour, which is over and above his own consumption, for such parts of the produce of other men's labour as he has occasion for. Every man thus lives by exchanging, or becomes in some measure a merchant, and the society itself grows to be what is properly a commercial society.

But when the division of labour first began to take place, this power of exchanging must frequently have been very much clogged and embarrassed in its operations. One man, we shall suppose, has more of a certain commodity than he himself has occasion for, while another has less. The former consequently would be glad to dispose of, and the latter to purchase, a part of this superfluity. But if this latter should chance to have nothing that the former stands in need of, no exchange can be made between them. The butcher has more meat in his shop than he himself can consume, and the brewer and the baker would each of them be willing to purchase a part of it. But they have nothing to offer in exchange, except the different productions of their respective trades, and the butcher is already provided with all the bread and beer which he has immediate occasion for. No exchange can, in this case, be made between them. He cannot be their merchant, nor they his customers; and they are all of them thus mutually less serviceable to one another. In order to avoid the inconveniency of such situations, every prudent man in every period of society, after the first establishment of the division of labour, must naturally have endeavoured to manage his affairs in such a manner as to have at alltimes by him, besides the peculiar produce of his own industry, a certain quantity of some one commodity or other, such as he imagined few people would be likely to refuse in exchange for the produce of their industry.

Division of Labour 2

As it is the power of exchanging that gives occasion to the division of labour, so the extent of this division must always be limited by the extent of that power, or, in other words, by the extent of the market. When the market is very small, no person can have any encouragement to dedicate himself entirely to one employment, for want of the power to exchange all that surplus part of the produce of his own labour, which is over and above his own consumption, for such parts of the produce of other men's labour as he has occasion for.

There are some sorts of industry, even of the lowest kind, which can be carried on nowhere but in a great town. A porter, for example, can find employment and subsistence in no other place. A village is by much too narrow a sphere for him; even an ordinary market town is scarce large enough to afford him constant occupation. In the lone houses and very small villages which are scattered about in so desert a country as the Highlands of Scotland, every farmer must be butcher, baker and brewer for his own family. In such situations we can scarce expect to find even a smith, a carpenter, or a mason, within less than twenty miles of another of the same trade. The scattered families that live at eight or ten miles distance from the nearest of them must learn to perform themselves a great number of little pieces of work, for which, in more populous countries, they would call in the assistance of those workmen. Country workmen are almost everywhere obliged to apply themselves to all the different branches of industry that have so much affinity to one another as to be employed about the same sort of materials. A country carpenter deals in every sort of work that is made of wood: a country smith in every sort of work that is made of iron. The former is not only a carpenter, but a joiner, a cabinet-maker, and even a carver in wood, as well as a wheel-wright, a plough-wright, a cart and waggon maker. The employments of the latter are still more various. It is impossible there should be such a trade as even that of a nailer in the remote and inland parts of the Highlands of Scotland. Such a workman at the rate of a thousand nails a day, and three hundred working days in the year, will make three hundred thousand nails in the year. But in such a situation it would be impossible to dispose of one thousand, that is, of one day's work in the year.

Division of Labour

This division of labour, from which so many advantages are derived, is not originally the effect of any human wisdom, which foresees and intends that general opulence to which it gives occasion. It is the necessary, though very slow and gradual consequence of a certain propensity in human nature which has in view no such extensive utility; the propensity to truck, barter, and exchange one thing for another.

Whether this propensity be one of those original principles in human nature of which no further account can be given; or whether, as seems more probable, it be the necessary consequence of the faculties of reason and speech, it belongs not to our present subject to inquire. It is common to all men, and to be found in no other race of animals, which seem to know neither this nor any other species of contracts. Two greyhounds, in running down the same hare, have sometimes the appearance of acting in some sort of concert. Each turns her towards his companion, or endeavours to intercept her when his companion turns her towards himself. This, however, is not the effect of any contract, but of the accidental concurrence of their passions in the same object at that particular time. Nobody ever saw a dog make a fair and deliberate exchange of one bone for another with another dog. Nobody ever saw one animal by its gestures and natural cries signify to another, this is mine, that yours; I am willing to give this for that. When an animal wants to obtain something either of a man or of another animal, it has no other means of persuasion but to gain the favour of those whose service it requires. A puppy fawns upon its dam, and a spaniel endeavours by a thousand attractions to engage the attention of its master who is at dinner, when it wants to be fed by him. Man sometimes uses the same arts with his brethren, and when he has no other means of engaging them to act according to his inclinations, endeavours by every servile and fawning attention to obtain their good will. He has not time, however, to do this upon every occasion. In civilised society he stands at all times in need of the cooperation and assistance of great multitudes, while his whole life is scarce sufficient to gain the friendship of a few persons. In almost every other race of animals each individual, when it is grown up to maturity, is entirely independent, and in its natural state has occasion for the assistance of no other living creature. But man has almost constant occasion for the help of his brethren, and it is in vain for him to expect it from their benevolence only. He will be more likely to prevail if he can interest their self-love in his favour, and show them that it is for their own advantage to do for him what he requires of them. Whoever offers to another a bargain of any kind, proposes to do this. Give me that which I want, and you shall have this which you want, is the meaning of every such offer; and it is in this manner that we obtain from one another the far greater part of those good offices which we stand in need of. It is not from the benevolence of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their own interest. We address ourselves, not to their humanity but to their self-love, and never talk to them of our own necessities but of their advantages. Nobody but a beggar chooses to depend chiefly upon the benevolence of his fellow-citizens. Even a beggar does not depend upon it entirely. The charity of well-disposed people, indeed, supplies him with the whole fund of his subsistence. But though this principle ultimately provides him with all the necessaries of life which he has occasion for, it neither does nor can provide him with them as he has occasion for them. The greater part of his occasional wants are supplied in the same manner as those of other people, by treaty, by barter, and by purchase. With the money which one man gives him he purchases food. The old clothes which another bestows upon him he exchanges for other old clothes which suit him better, or for lodging, or for food, or for money, with which he can buy either food, clothes, or lodging, as he has occasion.

The Wealth of Nations

The greatest improvement in the productive powers of labour, and the greater part of the skill, dexterity, and judgment with which it is anywhere directed, or applied, seem to have been the effects of the division of labour.

The effects of the division of labour, in the general business of society, will be more easily understood by considering in what manner it operates in some particular manufactures. It is commonly supposed to be carried furthest in some very trifling ones; not perhaps that it really is carried further in them than in others of more importance: but in those trifling manufactures which are destined to supply the small wants of but a small number of people, the whole number of workmen must necessarily be small; and those employed in every different branch of the work can often be collected into the same workhouse, and placed at once under the view of the spectator. In those great manufactures, on the contrary, which are destined to supply the great wants of the great body of the people, every different branch of the work employs so great a number of workmen that it is impossible to collect them all into the same workhouse. We can seldom see more, at one time, than those employed in one single branch. Though in such manufactures, therefore, the work may really be divided into a much greater number of parts than in those of a more trifling nature, the division is not near so obvious, and has accordingly been much less observed.

HISTORY OF ISLAMIC BANKING

Although the establisment of Islamic banks only became a reality in the 1960s, this does not mean that banking activities did not exist in Islamic history. activities which are regarded as practice of modern banking, such as receipt of deposits, loans issuance, money exchange and bills of exchange, existed since the early years of Islam and during the spread of Islam.

Before the birth of Islam, Mecca was the centre of trade and was used as a transit point by traders passing through the city from the north and south borders. Hence, deposit and loand activities depolved rapidly and transaction revolving money exchange became one of the main activities. These activities continued even after Islam became rooted in Mecca and Medina. From the historical point of view, Islamic banking can be devided into three eras. The first era began from the early years of Islam when it was firet born in the city of Mecca up until the period of Caliph as-Rashidin. The second era stretches from the era of the calihates until the fall of the Uthmaniyah Empire. This is folowwed by the third era, which is the era of modern Islamic banking.

(INDONESIAN VERSION)

Meskipun pendirian bank syariah hanya menjadi kenyataan di tahun 1960, ini tidak berarti bahwa kegiatan perbankan tidak ada dalam sejarah Islam. kegiatan yang dianggap sebagai praktek perbankan modern, seperti penerimaan uang jaminan, penerbitan pinjaman, pertukaran uang dan bill of exchange, ada sejak tahun-tahun awal Islam dan selama penyebaran Islam.

Sebelum kelahiran Islam, Mekah adalah pusat perdagangan dan digunakan sebagai titik transit oleh para pedagang yang melewati kota dari utara dan perbatasan selatan. Oleh karena itu, deposito dan loand kegiatan depolved cepat dan transaksi penukaran uang bergulir menjadi salah satu kegiatan utama. Kegiatan ini terus bahkan setelah Islam menjadi berakar di Mekkah dan Madinah. Dari sudut pandang sejarah, perbankan syariah dapat dibagi menjadi tiga era. Era pertama dimulai dari tahun-tahun awal Islam ketika Firet lahir di kota Mekah sampai periode khalifah as-Rashidin. Era kedua membentang dari era calihates sampai jatuhnya Kekaisaran Uthmaniyah. Hal ini folowwed oleh era ketiga, yang merupakan era perbankan Islam modern.

Posted by el_ghamar.