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Produk dan Akad Perbankan Syariah di Indonesia (Implementasi dan Aspek Hukum)

Sejak dikeluarkannya Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan yang kemudian diubah dengan Undang-Undang Nomor 10 Tahun 1998, sistem perbankan nasional Indonesia telah mengenalkan dual banking system, di mana lembaga perbankan dapat menjalankan kegiatan usaha berdasarkan prinsip syariah atau tanpa bunga di samping menjalankan kegiatan usaha secara konvensional (berdasarkan sistem bunga). Di bawah Undang-Undang Nomor 7 Tahun 1992, dual banking system tersebut dilaksanakan oleh bank umum dan bank perkreditan rakyat. Pada waktu itu di bawah Undang-Undang Nomor 7 Tahun 1992 masih belum diperkenalkan istilah "bank syariah" atau "perbankan syariah" seperti saat ini, tetapi menggunakan istilah "bank berdasarkan prinsip bagi hasil" sebagai padanan istilah dari "bank Islam". Kini melalui perubahan oleh Undang-Undang Nomor 10 Tahun 1998 terhadap Undang-Undang Nomor 7 Tahun 1992 secara tegas diperkenalkan istilah "bank berdasarkan prinsip syariah", "bank syariah", atau "perbankan syariah" yang dapat dipraktikkan, baik oleh bank umum maupun bank perkreditan rakyat. Dalam perubahan oleh Undang-Undang Nomor 10 Tahun 1998 diberikan kemungkinan kepada bank umum yang melaksanakan kegiatan usaha secara konvensional untuk membuka kantor bank tersendiri, yang dapat melaksanakan kegiatan usaha berdasarkan prinsip syariah. Jika dibandingkan dengan Undang-Undang Nomor 7 Tahun 1992, Undang-Undang Nomor 10 Tahun 1998 telah "melegitimasi sistem islamic windows bagi bank umum konvensional. Sebaliknya, bagi bank umum syariah tidak diberikan "keleluasaan" seperti halnya bank umum konvensional yang dapat pula melakukan praktik sistem islamic window secara berdampingan dengan praktik perbankan konvensional. Dengan diperkenalkannya perbankan nasional berdasarkan sistem islamic window, maka diharapkan secara bertahap industri perbankan nasional dapat membuka, mengubah, dan meningkatkan status kantor bank konvensionalnya dalam rangka untuk melaksanakan kegiatan usaha berdasarkan prinsip syariah. Buku persembahan penerbit PT CITRA ADITYA BAKTI

Sejak dikeluarkannya Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan yang kemudian diubah dengan Undang-Undang Nomor 10 Tahun 1998, sistem perbankan nasional Indonesia telah mengenalkan dual banking system, di mana lembaga perbankan ...

Ekonomika Indonesia

dinamika lingkungan bisnis di tengah krisis global

Economic development and policies in Indonesia.

Economic development and policies in Indonesia.

Photoshop CS3 Channels and Masks Bible

Add sizzle to your images with these invaluable tools. If you're using Photoshop without working with channels and masks, you're missing out on some of the most powerful and creative features Photoshop CS3 has to offer. Let this comprehensive reference teach you to use these valuable tools the way professionals do. Create dazzling composites, speed your workflow, get awesome color--it's all here and more with step-by-step instructions, techniques, and examples. If you want to tap the full potential of Photoshop channels and masks, this striking full-color Bible is the book you need to succeed.You'll learn to: Harness channels and masks for faster workflow. Unravel the secrets of creating, mixing, and converting digital color. Add lighting effects, 3D, and other channel pyrotechnics. Create composite layer content with advanced blending. Reveal, conceal, and refine your images with layer masks. Combine selections from single and multiple documents. Posterize, create textures, correct faded images, and more. Use type masks to add an artist's sparkle to the text. Work with soft-edged selections. Select and composite transparent shadows. Blend layers. Inside, you'll find brilliant full color throughout, including hundreds of color screen shots and examples. Order your copy today!

Building Data Mining Applications for CRM

How data mining delivers a powerful competitive advantage! Are you fully harnessing the power of information to support management and marketing decisions? You will, with this one-stop guide to choosing the right tools and technologies for a state-of-the-art data management strategy built on a Customer Relationship Management (CRM) framework. Authors Alex Berson, Stephen Smith, and Kurt Thearling help you understand the principles of data warehousing and data mining systems, and carefully spell out techniques for applying them so that your business gets the biggest pay-off possible. Find out about Online Analytical Processing (OLAP) tools that quickly navigate within your collected data. Explore privacy and legal issues...evaluate current data mining application packages...and let real-world examples show you how data mining can impact -- and improve -- all of your key business processes. Start uncovering your best prospects and offering them the products they really want (not what you think they want)!

Alex Berson, Stephen Smith, Kurt Thearling. ' - t ' Chapter 2: Data Mining and
Data Warehousing Figure 2-4 Multi-tiered Data Warehouse Architecture
Application Servers. 33. Warehouse Server Clients •GUl/ Presentation logic •
Query ...

Spatial Information Theory A Theoretical Basis for GIS

International Conference COSIT '97, Laurel Highlands, Pennsylvania, USA, October 15-18, 1997. Proceedings

This book constitutes the refereed proceedings of the 1997 International Conference on Spatial Information Theory, COSIT'97, held in Laurel Highlands, Pennsylvania, USA, in October 1997. The 31 revised full papers presented were carefully selected from a total of 66 submissions. Also included are seven posters. The volume is divided into sections on representations of change, structuring of space, boundaries and gradations, topological models of space, formal models of space, cognitive aspects of spatial acquisition, novel use of spatial information, wayfinding and map interpretation, representations of spatial concepts, new approaches to spatial information.

Identification of Fuzzy Objects from Field Observation Data Cheng Tao, Martien
Molenaar, Theo Bouloucos (International Institute for Aerospace Survey and
Earth Science - ITC) Phone: 31 53 4874 454 Fax: 31 53 4874 335 Email: {cheng,
 ...

Instructor's Manual and Test-item File

Macroeconomics, Fifth Edition

Regular Expressions Cookbook

This cookbook provides more than 100 recipes to help you crunch data and manipulate text with regular expressions. Every programmer can find uses for regular expressions, but their power doesn't come worry-free. Even seasoned users often suffer from poor performance, false positives, false negatives, or perplexing bugs. Regular Expressions Cookbook offers step-by-step instructions for some of the most common tasks involving this tool, with recipes for C#, Java, JavaScript, Perl, PHP, Python, Ruby, and VB.NET. With this book, you will: Understand the basics of regular expressions through a concise tutorial Use regular expressions effectively in several programming and scripting languages Learn how to validate and format input Manage words, lines, special characters, and numerical values Find solutions for using regular expressions in URLs, paths, markup, and data exchange Learn the nuances of more advanced regex features Understand how regular expressions' APIs, syntax, and behavior differ from language to language Write better regular expressions for custom needs Whether you're a novice or an experienced user, Regular Expressions Cookbook will help deepen your knowledge of this unique and irreplaceable tool. You'll learn powerful new tricks, avoid language-specific gotchas, and save valuable time with this huge library of proven solutions to difficult, real-world problems.

With this book, you will: Understand the basics of regular expressions through a concise tutorial Use regular expressions effectively in several programming and scripting languages Learn how to validate and format input Manage words, lines, ...