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Praktek gadai emas di Bank Syariah Mandiri Madiun: Perspektif DSN-MUI no.26/DSN-MUI/III/2002 tentang rahn emas dan surat edaran Bank Indonesia no.14/7/DPbS
INDONESIA:
Muamalah merupakan bagian dari hukum Islam yang mengatur hubungan antar seseorang dengan orang lain, baik seseorang itu pribadi tertentu maupun berbentuk badan hukum. Keberadaan lembaga perbankan syariah menjadi tantangan tersendiri dalam sendi-sendi perekonomian masyarakat, dalam kegiatan ekonominya, sehingga Lembaga perbankan syariah ini menjadi pilot projek dalam menjawab tantangan zaman. Gadai menjadi fasilitas Bank yang disediakan untuk masyarakat dalam meningkatkan suatu kebutuhan transaksi yang memberikan pinjaman dengan adanya agunan. Berdasarkan ini siatif penulis dalam penelitian ini yaitu mencoba mengintegrasikan dua aspek hukum dalam praktek Gadai emas di Bank Syariah Mandiri Madiun.
Sehingga dalam penelitian ini terdapat dua rumusan masalah yaitu: Bagaimana Praktek gadai emas di Bank Syariah Mandiri Madiun? Bagaimana praktek gadai emas perspektif DSN MUI No.26/DSN-MUI/III/2002 tentang Rahn Emas dan Surat Edaran Bank Indonesia No.14/7/DPbS. Untuk mengetahui praktek Gadai yang terjadi di Bank Syariah Mandiri Cabang Madiun, maka dalam penelitian ini penulis menggunakan jenis penelitian Yuridis Empiris sebagai pisau analisis dalam menjawab permaalahan di atas.
Adapun hasil penelitian ini yaitu Dalam menangani pembiayaan ini dikelola dan dikerjakan khusus oleh officer gadai yang bertanggung jawab penuh atas segala sesuatu yang berhubungan dengan produk gadai emas BSM. Dalam prakteknya, akad yang digunakan dalam pembiayaan gadai di BSM ini adalah akad Qardh dalam rangka Rahn. Qardh dalam rangka Rahn adalah akad pemberian pinjaman dari bank untuk nasabah. Perspektif DSN-MUI No.14/7/DPbs Berdasarkan isi dari fatwa yang telah disepakati oleh MUI dan dituangkan oleh Dewan Syari’ah Nasional, bahwa praktik al-rahn diperbolehkan. Dalam mekanismenya, dalam praktik gadai menggunakan akad al-rahn dan dalam penyimpanan barang gadai (marhun) menggunakannya akad ijarah. Akad ijarah disini diartikan bahwa penggadai (rahin) menyewa tempat di bank untuk menyimpan atau menitipkan barang gadainya, kemudian bank menetapkan biaya sewa tempat. Secara umum Bank syaria’ah mandiri telah menyesuaikan sistem dan prosedur gadai emas syari’ah berdasarkan Surat edaran Bank Indonesia No 14/7/DPbs.2012
ENGLISH:
Muamalah is part of Islamic law which regulate the relationship of someone with others, whether it is a person or a legal entity. The existence of sharia banking institution has become a specific challenge in the joints of society economy, within its economic activities, so this sharia banking institution has become a pilot project in answering the challenge of time. Pawn has become the bank facility provided for the community in improving a transactional need that provides loan with collateral. Based on the initiative of the author in this research namely to try to integrate the two aspects of law in the practice of gold pawn in Bank Syariah Mandiri Madiun.
Thus in this research there were two formulation of problems namely: How the Practice of gold pawn in Bank Syariah Mandiri Madiun? How the practice of gold pawn in the perspective of DSN MUI No.26/DSN-MUI/III/2002 on Gold Pawn and Circullar Letter of Bank of Indonesia No. 14/7/DPbS. To understand the practice of Pawn occuring in Bank Syariah Mandiri Madiun Branch, then in this research the author used Juridical Empirical research type as the blade analysis in answering the above problems.
As for the results of this research it is found that in handling the financing, it has been managed and carried out specially by the pawnshop officer who is in full charge of all matters related with the product of BSM gold pawn. In practice, the agreement (akad) used in financing pawn in this BSM is contract of Qardh in order of Rahn. Qardh in order of Rahn is a contract that gives loan from the bank to customers. Perspective of DSN-MUI No.14/7/DPbs Based on the content of fatwa which have been agreed upon by MUI and poured by the National Sharia Board, practice of al-rahn is allowed. In the mechanism, in practice of pawn uses contract of al-rahn and storing the collateral (marhun) uses the contract of ijarah. Contract of ijarah here is interpreted that the pawner (rahin) hires a place in the bank to save or entrust their collateral, then the bank set cost of renting the place. In general, Bank Syariah Mandiri has adjusted the system and procedure of sharia gold pawn based on the Circular Letter of Bank of Indonesia No. 14/7/DPbs.201
Going Beyond Counting First Authors in Author Co-citation Analysis
The present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
We provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Dispelling the Myths Behind First-author Citation Counts
We conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
koamabayili/VECTRON-author-checklist: VECTRON author checklist
We have done our best to complete the author checklist relating to the use of animals in the hut study. Note that the objective for the hut study was to evaluate the IRS treatment applications for residual efficacy against Anopheles mosquitoes, including the local An. coluzzii mosquito population. Cows were only used to attract mosquitoes into the huts and no tests were carried out directly on the cows. The author checklist is intended for use with studies where experiments are carried out on animals, which is why we have had such difficulty in completing this for the hut study, as many of the questions do not relate to how the cows were used
Author-wise bibliometric analysis based on entropy.
Author-wise bibliometric analysis based on entropy.</p
Author Under Sail The Imagination of Jack London, 1893-1902
In Author Under Sail, Jay Williams offers the first complete literary biography of Jack London as a professional writer engaged in the labor of writing. It examines the authorial imagination in London's work, the use of imagination in both his fiction and nonfiction, and the ways he defined imagination in the creative process in his business dealings with his publishers, editors, and agents. In this first volume of a two-volume biography, Williams traverses the years 1893 to 1902, from London's "Story of a Typhoon" to The People of the Abyss. The Jack London who emerges in the pages of Author Under Sail is a writer whose partnership with publishers, most notably his productive alliance with George Brett of Macmillan, was one of the most formative in American literary history. London pioneered many author models during the heyday of realism and naturalism, blurring the boundaries of these popular genres by focusing on absorption and theatricality and the representation of the seen and unseen. London created an impassioned, sincere, and extremely personal realism unlike that of other American writers of the time. Author Under Sail is a literary tour de force that reveals the full range of London as writer, creative citizen, and entrepreneur at the same time it sheds light on the maverick side of machine-age literature.Intro -- Title Page -- Copyright Page -- Dedication -- Contents -- Acknowledgments -- Introduction -- 1. Spirit Truth -- 2. From Absorption to Theatricality and Back Again -- 3. "I Will Build a New Present" -- 4. Sons as Authors -- 5. Fathers as Publishers -- 6. The Daughter as Author -- 7. Lovers as Authors -- 8. At Sea with the Family -- 9. Yellow News, Yellow Stories -- 10. The Return Home -- Notes -- Bibliography -- Index -- About Jay WilliamsIn Author Under Sail, Jay Williams offers the first complete literary biography of Jack London as a professional writer engaged in the labor of writing. It examines the authorial imagination in London's work, the use of imagination in both his fiction and nonfiction, and the ways he defined imagination in the creative process in his business dealings with his publishers, editors, and agents. In this first volume of a two-volume biography, Williams traverses the years 1893 to 1902, from London's "Story of a Typhoon" to The People of the Abyss. The Jack London who emerges in the pages of Author Under Sail is a writer whose partnership with publishers, most notably his productive alliance with George Brett of Macmillan, was one of the most formative in American literary history. London pioneered many author models during the heyday of realism and naturalism, blurring the boundaries of these popular genres by focusing on absorption and theatricality and the representation of the seen and unseen. London created an impassioned, sincere, and extremely personal realism unlike that of other American writers of the time. Author Under Sail is a literary tour de force that reveals the full range of London as writer, creative citizen, and entrepreneur at the same time it sheds light on the maverick side of machine-age literature.Description based on publisher supplied metadata and other sources.Electronic reproduction. Ann Arbor, Michigan : ProQuest Ebook Central, YYYY. Available via World Wide Web. Access may be limited to ProQuest Ebook Central affiliated libraries
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