we know you want a bolder paper season

Jakarta banjir lagi.. hal ini sudah menjadi seperti tradisi bagi warga ibu kota.. karena hampir setiap tahun setiap musim hujan selalu terjadi banjir. entah itu banjir kiriman dari bogor atau jakarta sendiri dilanda hujan terus menerus sehingga sungai-sungai di jakarta menjadi penuh dan meluap. hal tersebut juga di picu karena tingkat kekumuhan kota jakarta sudah sangat parah sekali di topang aliran sungai yang mendangkal dan sampah-sampah yang menjadi sumber utama penyebab terjadinya banjir di jakarta.. sebagai ibu kota negara harusnya jakarta lebih bisa bersih dan tertata rapi..

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JAKARTA: Sales of sharia bonds (SBSN / sukuk) retail until the third day has reached Rp2, 05 trillion, approaching the indicative target of the government set Rp3 trillion.

Ministry of Finance Debt Management Director General Rahmat Waluyanto expressed optimism the sale of securities retail sharia series 02 (SR-002) exceeds the indicative target.

"Some agents have asked upsize [target] but we have not considered it because it still has many instruments to be issued this year. So the maximum target indikatifnya still Rp3 trillion," he said via short message service yesterday.

Rahmat explained until yesterday, as many as 3981 investors who had ordered the retail sukuk. The SR-002 coupons that the government set the level of 8.7% and will mature within the next 3 years with the offering period until February 18.

Wealth Management Group Head PT Bank Mandiri Tbk Inkawan D. Jusi said the company was getting requests around Rp500 billion until the third day of sales. The amount is equivalent to 62.5% from the initial target set for a state bank was Rp800 billion.

He explained no restrictions on purchases by the government became one of the factors that made the company optimistic to reach the target set. Bank Mandiri plans to ask for an increased sales to the government's target of 2 days.

The PT Reliance Securities Tbk Sukuk Retail sales target 002 series at least Rp100 billion following the belief that investment bonds are sharia-based state predicted market demand.

Nicky Hogan, Vice President Director of Reliance, said today it continues to disseminate to the public. Request to purchase Sukuk is still not there.

"In the second week sales are usually crowded, even more than the quota for Reliance which reached Rp100 billion," he said, on the sidelines of the show talks about the Sukuk Retail 002 in Malang, yesterday.

Retail Sukuk prediction would be interested in 002 communities, he added, because the coupon or ijaroh higher than deposit rates that banks currently range from an average of 6%, while the coupon or sukuk ijaroh reaches 8.7%

During the Islamic Golden Age, early forms of proto-capitalism and free markets were present in the Caliphate,^[1] where an early market economy and an early form of mercantilism were developed between the 8th-12th centuries, which some refer to as "Islamic capitalism".^[2] A vigorous monetary economy was created on the basis of the expanding levels of circulation of a stable high-value currency (the dinar) and the integration of monetary areas that were previously independent.

A number of innovative concepts and techniques were introduced in early Islamic banking, including bills of exchange, the first forms of partnership (mufawada) such as limited partnerships (mudaraba), and the earliest forms of capital (al-mal), capital accumulation (nama al-mal),^[3] cheques, promissory notes,^[4] trusts (see Waqf), startup companies,^[5], transactional accounts, loaning, ledgers and assignments.^[6] Organizational enterprises similar to corporations independent from the state also existed in the medieval Islamic world, while the agency institution was also introduced during that time.^[7][8] Many of these early capitalist concepts were adopted and further advanced in medieval Europe from the 13th century onwards.^[3]

Riba

The word "Riba" means excess, increase or addition, which correctly interpreted according to Shariah terminology, implies any excess compensation without due consideration (consideration does not include time value of money). The definition of riba in classical Islamic jurisprudence was "surplus value without counterpart." or "to ensure equivalency in real value" and that "numerical value was immaterial." During this period, gold and silver currencies were the benchmark metals that defined the value of all other materials being traded. Applying interest to the benchmark itself (ex natura sua) made no logical sense as its value remained constant relative to all other materials: these metals could be added to but not created (from nothing).

Applying interest was acceptable under some circumstances. Currencies that were based on guarantees by a government to honor the stated value (i.e. fiat currency) or based on other materials such as paper or base metals were allowed to have interest applied to them.^[9] When base metal currencies were first introduced in the Islamic world, no jurist ever thought that "paying a debt in a higher number of units of this fiat money was riba" as they were concerned with the real value of money (determined by weight only) rather than the numerical value. For example, it was acceptable for a loan of 1000 gold dinars to be paid back as 1050 dinars of equal aggregate weight (i.e., the value in terms of weight had to be same because all makes of coins did not carry exactly similar weight).

Uh, you know the difference between male marketing with marketing women?" he asked Amin to the Safe, her friend the former director of the insurance company. "Easy's house. Sales of men wear a tie and the women wear skirts," said Aman. The Amen laughed, then replied, "One, Mas. All right, if the sales guy that thick soles because many streets looking for customers, while sales of women back thick as many 'serve' customers."

Hahahaha. Amin convulsion. But, the only safe response with a thin smile. And he said, "Sorry, I'm marketing sharia, Mr." "Marketing sharia? What's that? Marketing 'Syoriah', maybe."

Thus some of the footage in the world of behavioral marketing bahlul. The stories like that which was appointed by Mr. Shakir Sula in his latest book, "Marketing Bahlul". These stories are part of his experiences in the world for active and business insurance. It seems so commonplace in the world of marketing, to make closing, the customer must be entertain in places with a certain atmosphere: dim salon, spa plus-plus, and karaoke plus. There is another term "apartment include" in the property business world, the package "2 in 1", unbutton strategy, and others. If guns so, the target will be achieved guns.

it's real? It's so dreadful in ways that made by marketers in carrying out his work? How marketing world seems to be completely immoral? All lawful means to achieve maximum target?

From www.syakirsula.com

JAKARTA - The need for human resources within the next five years could reach 40 thousand people. To meet these needs should also not only from college, but also from secondary school level.

Chairman of Islamic Economic Society (MES), Muliaman D Hadad, said that with the development of Islamic financial industry will also need human resources will continue to grow. At present, he added, Islamic banking industry to absorb a limited amount of resources for less than 15 thousand people. But with the potential Indonesian market with a large Muslim majority and the emergence of new Islamic financial institutions to make this industry have the ability to absorb more labor in the future.

"If the fast-growing industry of labor absorption is also rapid. According to calculations in the next 5 years there is a need for 40 thousand per year growth in SDM 23 percent," said Muliaman in Early Years Seminar Ekonomi Syariah themed MES reliable preparation of human resources as the foundation Flourishing Economy Sharia, Wednesday (20 / 1). To meet the needs that human resources, he added, it is also necessary human resource development in employment levels of high school graduates in vocational or high school level it is required curriculum in Islamic economics education level.

Muliaman tells Indonesian Islamic finance industry today is still rudimentary. The reason, he explained, the Islamic financial enrich and optimized untapped because the business is still 70 percent based on purchase and sale simple, but the products and culture of Islam which is extraordinary. "I have a suspicion this is not developed because the demand is still too small," said Muliaman.

While in the realm of Islamic finance, he said, also do not have associated with SMEs because of sharia banking has been able to finance such a large ship financing, helicopter and dock. That's why he stressed the need for human resource personnel who know the development of Islamic instruments. "Islamic Finance is not only business but there is a moral and covenant agreement, that is what enriches the substance," said Muliaman.

He also encouraged the Islamic financial players to make joint training institutions, so as to meet human needs does not take resources that have been 'so'. Currently there are four Islamic banks are awaiting permission from the BI solution, ie BNI Syariah, Islamic BCA, Victoria Banks and Bank Jabar Syariah Islamic Banten. Until now there has been no filing of foreign Islamic banks to enter.

Marketing is a strategic business discipline that leads to the creation, supply and changes in the value of an initiator to steakholder her. Marketing activity is actually a very noble activity for the dikegiatan always bring ideas and creativity to change and renewal.

However, when these activities tend to be disoriented and instant profits, then sometimes a noble marketing activities and management ethics that has changed with kebahlulan and kebusukkan. The phenomenon that often makes our view this Salama in doing marketing to offer products that we offer.

The story and the story of the world kebahlulan that marketing and ternarasikan recorded in the book "Marketing Bahlul" by Muhammad Shakir Sula, Secretary General of Islamic Economics Society (MES).

Opened thick contains 33 stories directly experienced by the author, that entertain teryata in doing this for marketing executives conducted by doing a lot of distortions in the ethics and morals. If this phenomenon continues to be maintained will destroy civilization marketing world.

www.syakirsula.com

Chairman of the Chamber of Commerce Industry (Kadin) Indonesia, MS Hidayat, said that after the economic crisis hit, the United States (U.S.) and a number of countries in Europe began to show interest in the Islamic economic system.

"The crisis has forced the U.S. to find an alternative model. October 2008, when George W. Bush was named president and before the implementation of the High Conference (Summit) G-20 at Washington 15 November 2008, Bush sent a deputy financial secretary Robert M Kimmit visited Saudi Arabia," MS Hidayat said here Tuesday.
Aim of the visit, he added, to assess the effectiveness of Islamic banking system. The arrival of this Kimmit crowded some media reported Saudi Arabia.
MS Hidayat said that, although the summit did not recommend the application of Islamic economic system, as the world economic system, the arrival of the team that showed the U.S. economy and the recognition that the state interest of the Islamic economic system.

In fact, the U.S. had not much to be on the development of Islamic economics in the world.

According to MS Hidayat, interest in European countries against the Islamic economy in fact has been revealed since a few years ago. England has expressed readiness to become the world center of Islamic finance. This statement came out at British Prime Minister, Gordon Brown still be finance minister in 2007.

Based on international reports Financial Services London (IFSL), the development of Islamic financial industry in the UK in recent years grown rapidly. In fact, the country is now a western country with the largest Islamic banks in the world because the government had strong dukuangan.

Until last February, there are five pure Islamic banks and Islamic business units of 17 conventional banks in the UK such as HSBC, Barclays, RBS, and LIoyds Banking Group.

Islamic banking assets in the country reached 18 billion U.S. dollars or exceed the Islamic bank assets such as Pakistan, Bangladesh, Turkey, and Egypt. In this country, the development of Islamic financial businesses also supported universities and 55 institutions that have Islamic education and financial.
MS Hidayat said, France is also interested in developing the Islamic financial system. December last year, French Finance Minister, Christine Lagarde, said his country would make adjustments to the Paris law to the major Islamic financial markets.
In addition, MS Hidayat said, there are a number of Islamic banks which will open a branch in the capital of the country. Even last March, the French central bank to enter the Islamic financial management issues in the discussion forum.

France's interest was triggered Islamic economic system resilience in the face of the global financial crisis.
In Asia, he said, claims to be Islamic financial center of the world also expressed Singapore several years ago.

"This country has long mengamademen a number of laws to support the development of Islamic financial business. The same is done Malaysia," said MS Hidayat