Islamic Banking

Islamic banking (Arabic : al-Islamiyah al-Mashrafiyah) is a banking system whose implementation is based on Islamic law (Syari'ah). Establishment of this system is based on the prohibition in Islam to lend or collect loans with loan interest rates (Riba), as well as the prohibition to invest in businesses categorized forbidden (haram). Conventional banking system can not guarantee the absence of these things in investments, such as in businesses associated with the production of food or drink unlawful, media or entertainment business that is not Islamic, and others.
Although these principles may be applied in the economic history of Islam, but only at the end of the 20th century began to stand up Islamic banks which apply for private commercial institutions or semi-private in the Muslim community in the world.

Principles of Islamic banking :
Islamic banking has the same purpose as conventional banking, the banking institutions in order to generate capital gains by way of loan, deposit funds, to finance business activities, or other appropriate activities.
Principles of Islamic law forbids the elements below in banking transactions.

• Commerce over the forbidden goods,
• Interest (riba),
• Gambling and speculation that intentional (maisir), and
• Ambiguity and manipulative (gharar).

Comparison between Islamic banks and conventional banks are as follows:

Islamic Banks

• Perform only lawful investments according to Islamic law
• The principle of profit-sharing, buying and selling, and leasing
• Profit-oriented and falah (happiness of the world and the hereafter according to the teachings of Islam)
• Relationships with customers in the form of partnership
• Collection and disbursement of funds according to the Sharia Supervisory Board fatwas

Conventional Banks

• Invest either lawful or unlawful according to Islamic law
• Wearing the interest rate
• Profit-oriented
• Relationships with customers in the form of creditor-debtor
• Collection and disbursement of funds are not regulated by the board of a kind

Afzalur Rahman in his book on Islamic Banking and Insurance Doctrine (1980) argues that the principles of Islamic banking aims to bring benefit to our customers, because the promise of justice in accordance with the Islamic economic system.

Islamic banking products

Deposits

•     Al-wadi'ah (care services)
•     Deposits Mudhorobah

For the

•     Al-Musharaka (Joint Venture)
•     Al-Mudaraba
•     Al-muzara'ah
•     Al-Musaqah

Buying and selling

•     Bai 'Al-Murabahah
•     Bai 'As-Salam
•     Bai 'Al-Istishna'

Lease

•     Al-Ijarah
•     Al-Ijarah Al-Bit-Tamlik Muntahia

Service

•     Al-Wakalah
•     Al-Kafalah
•     Al-Eve
•     Ar-Rahn
•     Al-Qardh

Big success of Islamic banking in Turkey

Turkey since 1985 has implemented the Islamic banking, is now the country is immune from the global crisis of Islamic banking forbids usury system reaps huge success in Turkey. In recent years, several Islamic Bank began popping up in the country, although some others are still embodied in the "name" conventional, but is "secretly" anti-usury apply.
Fruit, the Union of Non-Usury Bank Turkey is now believed to be the ideal example of a credible financial system capable of overcoming the current global economic crisis.
Necar Yunus, head of the Majlis Unity Bank declared Turkish Non-Riba, Islamic banks in the system was already implemented in Turkey since 1985 ago. This system proved successful in every respect, both the law, management, and finance.
"Bank with non-usury system proved a great success in our country," said Necar while giving a speech at the event in memory of the death of the father of the Turkish Islamic Bank Prof. Dr. Sabahuttin, as reported by the Turkish newspaper, Zaman.
Meanwhile, Prof. Dr. Uzsavi Ismail, professor of economics at al-Fatih University of Turkey, said if the bank with non-usury system is believed to be the perfect solution for the future of the world economic system.
Analysis Uzsavi not an exaggeration, because the Vatican Pope Benedict XVI called on the entire world just to use the Islamic banking system is non-usury as a solution to the global financial crisis.
(taken from www.wahdah.or.id/baru/wis/index.php/index-info-dunia-islam/1963-perbankan-islam-sukses-besar-di-turki)

Heal cancer with rosella

red rosella
Rosella actual plant that is well known in Indonesia. First, the petals of these plants are known as frambozen and is often used for material for the red syrup that distinctive smell. Only now, the rosella flower petals known as a drink called roselle tea.

Rosella plants grown in many countries, like Sudan, Mexico, Jamaica, Brazil, Panama, up to several U.S. states and Australia. Many people call the plant it comes from Africa. Because, these plants are found there. Its spread can not be separated from the slaves who were sent to several parts of the world.

Plants are known in various names, such as jamaican Sorell (West India), oseille rouge (France), quimbombo chino (Spanish), karkade (North Africa), and bisap (Senegal). While in Indonesia, the plant is more commonly known as green mrambos (Central Java), Jarot acid (Padang), Rejang acid (Muara Enim), etc..

At the plant, which merit rather than flowers, but the petals are red. Indeed, it is shaped like flower petals, especially if it is dried. The petals can be consumed in fresh form as well as tea steeping. Rosella flower petals in fresh form can be used to make foods such as pudding, mixed salad, juice, sweets, jams, and syrups. In addition to good taste, it's petals have a pharmacological effect is complete.

The content of active ingredient and Rosella flower petals

The active ingredient of the grossypeptin rosella flower petals, anthocyanins, gluside hibiscin, and flavonoids. Every 100 grams of roselle petals contain 260-280 mg of vitamin C, Vitamin D, B1 and B2. The content of vitamin C, 3 times a black grape, citrus 9 times, 10 times larger than the star fruit and 2.5 times more than vitamin C in guava (kelutuk). In addition Rosella Tea contains High Calcium (486mg / 100 gr), Magnesium and Omega 3. Rosella tea also diperkasya Vitamin A, Iron, Potassium, Beta Caroteen & Essential Acids.

Flavonoids in flower petals are very useful for preventing cancer. In fact, some scientists called flavonoids that can cure cancer, mainly due to free radicals, such as stomach cancer and leukemia. In addition, rosella tea can be used for patients with hypertension, heart disease, osteoporosis and diuretic (a diuretic), blood flow (to reduce blood viscosity), prevent infection (as an antibacterial, antiseptic, and anti-inflammatory), treat thrush (due to content of vitamin C), reducing blood cholesterol levels, etc.. Particular people with diabetes mellitus, in addition to lowering blood sugar levels, rosella flower petals can cure disease (probably due to the role of flavonoids in neutralizing free radicals that cause damage to pancreatic beta cells that produce insulin).

The Red Rosella recipe

The plants flower petals dark red, thick, and juicy. The more intense red color, taste more sour with properties that are also getting bigger. Rosella tea can be made in the following way. Take three to four fresh rosella flowers, wash, then pour in enough hot water (one cup). After a while, tap water until the petals are red, then strain. The water can then be taken. A day, drinking one to three cups of the infusion. To be more comfortable, you can add honey or lemon juice. To dry rosella flower petals, pour three to five petals with a glass of boiling water. Wait three to ten minutes. Then, the infusion can be drunk as much as one to three times per day. To be more enjoyable, you can add honey or sugar, then serve with ice cubes.

Turmeric

Turmeric (Curcuma Longa Linn. syn. Curcuma domestica Val.) is one of spices and medicinal plants native to Southeast Asia region. These plants then spread into the Malaysia, Indonesia, Australia and even Africa. Almost everyone Indonesia and the Asian nations generally been consuming this spice plants, either as a complement to a cooking spice, herb or to maintain health and beauty.
Turmeric is considered in the ginger, Zingiberaceae. Turmeric is known in various regions with few local names, such as Turmeric (English), Kurkuma (Netherlands), Kunyit (Indonesia and Malaysia).

Contained in the plant turmeric curcuminoid compounds consisting of curcumin, and bisdesmetoksikurkumin desmetoksikumin substances and other benefits, such as mnyak asiri / volatile oil, fat, carbohydrate, protein, starch, vitamin C, iron, phosphorus, and calcium.
Turmeric root is believed to cure rheumatism and swelling in your body.

There are various ways to use turmeric health, turmeric also has a myriad of benefits. In addition to herbs, saffron is also capable of being used for traditional medicine to maintain good health and beauty

Because turmeric has a high content of antioxidants, turmeric is believed to lower cholesterol, and narrows the arteries, other than that turmeric can prevent sudden cardiac arrest.

Turmeric, which has vitamin C and E are high as well karatenoid this is a kind of herbal foods that may hinder the entry of excess oxygen in the body. Hence, in addition to increasing endurance, turmeric can prevent colds.

Turmeric can treat various diseases such as diabetes mellitus, Typhus, Appendicitis, dysentery, hospital discharge, menstruation is not smooth, stomach pains during menstruation, tonsillitis and Streamlining milk.

Not only that, turmeric was also able to cope with Alzheimer's disease, a type of dementia disease that commonly occurs in people who begin to enter old age in which the physical condition of his brain began to decline. But the condition can be slowed by eating curry spice turmeric in the form.

The results conclude the researchers reported in the American Journal of Epidemiology Issue 1 November 2006, states that the curry spice is potentially preventing Alzheimer's disease as viewed from its efficacy and non-toxic. These results represent the first evidence indicating a link between curry consumption by the brain's cognitive abilities.

Secret power of turmeric as a cure of Alzheimer's disease, is located on a yellow dye (curcumin) present in the rhizome of turmeric is used in making the curry spice. Curcumin in turmeric has a very important function in treating various types of diseases because the compound can function as anti-tumor promoter, antioxidant, anti-microbial, anti inflammatory and anti virus. Addition of curcumin in turmeric was also instrumental in enhancing the immune system.

attention:
Excessive use of elderly people can cause effects abdominal pain, liver or kidney disorders.

AUTOMOTIVE

Consciously or not we should be honest if our lives are now supported by Japanese technology, for example vehicles.
Japanese vehicles dominate the production of more than 75% of the total number of vehicles in Indonesia (in addition to buses and trucks).
BPS (Central Bureau of Statistics)data we see that records the total number of vehicles in Indonesia in 2010, then we compare it with the vehicle sales data in the same year. What percentage of automotive manufacturers outside Japan?

AISI recent data indicates  total 7,398,644 units of motorcycle were sold during 2010, Honda led the national motor market with sales of 3.42 million print volumes and control units 46.2% market share.
Yamaha ranked second with sales volume of distribution during 2010 as many as 3.3 million units 4, earned 45.22% market share. Suzuki survive in third place with sales volume of only 526 003 units, followed by 87 004 units of Kawasaki.

Based on Gaikindo's data, 2010 is the highest achievement in the automotive manufacturers in Indonesia. It can be seen from the sales of each company, namely Toyota, which ranks first, with sales of 280.680 units (Indonesia with a market share of 36.7 per cent), followed by Daihatsu as many as 118.590 units (15.5 percent) and Mitsubishi with sales of 106.483 units (13.9 percent), Suzuki as 71.210 units (9.3 percent), Honda as much as 61.330 units (8 percent), Nissan 37.542 units (4.9 percent), Isuzu as much as 24.020 units (3.1 percent), Hino as many as 21.290 units (2.8 percent), Ford as much as 8.870 units (1.2 percent), KIA as much as 6.550 units (0.9 percent), Mazda as much as 6.012 units (0.8 percent). Of the 10 major vehicle manufacturers in Indonesia are described, eight of whom are Japanese automakers.

How could we not like Japan, how do you think?

OUTSOURCING

Yesterday on the 1st of May I happened to hear OUTSOURCING theme in celebration of Labor Day, my fellow workers demanded the abolition of outsourcing in his oration.
quite a long time since the enactment of laws on OUTSOURCING, this should be a material that has been stale for debate.
if outsourcing to public welfare, then it should have happened.
if outsourcing hardship on the community, then the first should have been excluded from or never even existed.

Public research institute, Sabang-Merauke Circle (SMC) proposes the removal of the enforcement mechanisms of energy transfer (outsourcing) in the employment system can be done by Presidential Decree to follow up the decision of the Constitutional Court.
"The practice of 'outsourcing' clearly inhumane and undermine the existence of labor or workers, but does not guarantee future at the same time ignoring the basic rights to decent living," said Chairman of the Board of Directors of SMC Syahganda Nainggolan on Tuesday, warning related to the International Labor Day May 1 .
He said the government should immediately follow the decision of the Constitutional Court January 17, 2012 on the elimination of "outsourcing" or a system of contract labor for the workers / employees through Presidential Decree (Presidential Decree).
Constitutional Court ruling set the imposition of "outsourcing contrary to the Act of 1945 section 27 subsection (2), which states that every citizen has equal rights to get a decent job.(www.antaranews.com/berita/308675/smc-penghapusan-outsourcing-bisa-dengan-perpres)

The Government recognizes the outsourcing has made workers miserable.
It is said Minister of Manpower and Transmigration (minister) Muhaimin Iskandar encountered after the Postal Workers Union National Workshop on Implementation of Ideal Basic Salary, in Jakarta, Monday (30/4).
He acknowledged that outsourcing had affected workers. "But the economic laws are sometimes beyond our grasp," said Muhaimin.
Muhaimin argues that the labor system is the ideal that does not include outsourcing systems in it. Therefore, Manpower will strengthen surveillance systems for outsourcing (www.mediaindonesia.com/read/2012/04/30/316530/4/2/Muhaimin-Akui-Sistem-Outsourcing-Buat-Buruh-Sengsara)

Outsourcing Survey
To get a complete and objective information before making a decision to outsource, it helps you explore data about outsourcing are widely available on the internet. Various international organizations have published the results of their survey of outsourcing on their website. To maintain objectivity, the data will be discussed are the results of a survey by Ernst & Young, an accounting firm and an international professional services based in London.
In 2008, Ernst & Young conducted a survey to see a picture of the trend of outsourcing in Europe involving 600 people with decision makers at large European companies.
The survey results showed that 7 out of 10 companies in Europe have shifted at least one function of their business.

Outsourcing by country

The main focus of outsourcing is a business support functions to the functions of care (maintenance) in the first position with a value of 76%, while the human resource function occupies the fourth position.
Important functions that relate directly to customers the company occupies the last position, namely product development / manufacturing and sales / marketing / communications. This illustrates that the majority of companies still have not been able to shift important functions of the company's advantage to be handled by other companies.

Outsourcing by function

Cost savings and increased productivity to be the main reason of the decision to outsource, that is equal to 49%.

 Benefits Outsourcing

Issues relating to staff the greatest obstacle (12%) in the early implementation of outsourcing. As in the previous explanation, it is likely to occur due to lack of good strategies and ways of communicating the plan to employees so that the emerging outsourcing of employee resistance. One reason is because of concerns the company's employees will be laid off because their position is threatened replaced by outsourced employees. (www.jmt.co.id/outsourcing/index.php?option=com_content&view=article&id=44&Itemid=7)

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outsourcing generates huge profits for the company, but what about the workers?