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Manajemen Risiko Lembaga Keuangan Syariah: Konsep dan Penerapan pada Perbankan, Asuransi, Dana Pensiun, dan Perusahaan Pembiayaan Syariah di Indonesia Edisi ke-3

SUPLEMEN BUKU DAN KODE AKSES e-Book ini: Menyediakan Materi Suplemen Dosen (khusus untuk dosen atau tenaga/staf pengajar). Untuk men-download materi tersebut, klik tombol dosen dan gunakan Kode Akses yang telah dimiliki melalui proses pengajuan Kode Akses Dosen. Pelanggan diharuskan untuk membuat/memiliki akun (account) aktif di grup situs web (website group) Penerbit Salemba Empat dan melakukan login saat: Mengajukan Kode Akses Materi Suplemen Dosen dan men-download Materi Suplemen Dosen menggunakan Kode Akses Dosen. Kode Akses bersifat unik dan berlaku untuk jangka waktu tertentu sejak digunakan oleh Pelanggan/Pembeli Buku. Kode Akses Materi Suplemen Pembeli Buku (Umum) dan/atau materi pembelajaran daring (online) terkait hanya ada di buku asli (orisinal). Sementara itu, Kode Akses Dosen bukanlah Kode Akses yang tercantum pada buku (bukan didapatkan dari pembelian buku). Kode Akses Dosen tersedia secara khusus bagi dosen atau tenaga/staf pengajar dan dapat diperoleh dengan mengisi Formulir Pengajuan Kode Akses Dosen melalui situs web Penerbit Salemba Empat, www.penerbitsalemba.com (syarat & ketentuan berlaku). DESKRIPSI BUKU Perkembangan Lembaga Keuangan Syariah (LKS) di Indonesia telah mengantarkan industri ini pada kesadaran yang lebih tinggi mengenai pentingnya mengelola risiko. Berbagai kasus yang terjadi pada industri perbankan dan asuransi, serta perusahaan pembiayaan beberapa tahun terakhir semakin memberikan kesadaran pentingnya memitigasi risiko di masa depan. Kesadaran akan pentingnya implementasi manajemen risiko oleh lembaga keuangan syariah di Indonesia didorong oleh beberapa alasan. Pertama, kegiatan usaha lembaga keuangan syariah tidak terlepas dari risiko dalam pengelolaan bisnis sehari-hari. Risiko ini muncul karena fungsinya sebagai lembaga keuangan yang tidak terlepas dari perkembangan internal dan eksternal industri yang semakin kompleks apalagi di era digital. Kedua, karakteristik produk dan jasa lembaga keuangan syariah memerlukan fungsi identifikasi, pengukuran, pemantauan, dan pengendalian risiko yang sesuai dengan kegiatan usaha. Ketiga, setiap langkah yang dilakukan lembaga keuangan syariah dalam memitigasi risiko harus mempertimbangkan kesesuaian dengan prinsip syariah. Keempat, pengelolaan setiap aktivitas fungsional lembaga keuangan syariah harus terintegrasi sesuai dengan ketentuan yang ditetapkan otoritas. Berpijak dari empat alasan di atas, penerapan manajemen risiko Lembaga Keuangan Syariah (LKS) di Indonesia harus segera dikelola sesuai dengan ukuran dan kompleksitas usaha yang sesuai dengan prinsip syariah. Buku ini disusun oleh praktisi yang telah bekerja selama 23 tahun di LKS yang pernah mendesain, merumuskan, dan mengimplementasikan kebijakan bisnis perbankan syariah, termasuk bidang manajemen risiko. Dengan demikian, buku ini kaya dengan teori, penerapan, dan studi kasus. Buku ini sangat bermanfaat bagi praktisi dan akademisi yang tertarik dengan isu manajemen risiko LKS. Buku ini juga dapat digunakan sebagai buku teks Mata Kuliah Manajemen Risiko Perbankan Syariah, Manajemen Perbankan Syariah, Manajemen Risiko Lembaga Keuangan Syariah, dan Manajemen Pembiayaan Syariah yang diajarkan di Program Diploma III (D-3), Sarjana (S-1), dan Pascasarjana (S-2) di seluruh perguruan tinggi. Materi yang dibahas dalam buku ini mencakup: Bab 1 Islam dan Lembaga Keuangan Syariah Bab 2 Lembaga Keuangan Syariah, Risiko, dan Regulasi Bab 3 Perkembangan Regulasi Manajemen Risiko Bab 4 Penilaian Tingkat Kesehatan Lembaga Keuangan Syariah Bab 5 Penerapan Manajemen Risiko Perbankan Syariah di Era Digital Bab 6 Manajemen Risiko Strategis Bab 7 Manajemen Risiko Operasional Bab 8 Manajemen Risiko Kredit Bab 9 Manajemen Risiko Pasar Bab 10 Manajemen Risiko Likuiditas Bab 11 Manajemen Risiko Hukum Bab 12 Manajemen Risiko Kepatuhan Bab 13 Manajemen Risiko Reputasi Bab 14 Manajemen Risiko Imbal Hasil Bab 15 Manajemen Risiko Investasi Bab 16 Manajemen Risiko Teknologi Informasi di Era Digital Bab 17 Manajemen Risiko Lembaga Jasa Keuangan Non Bank Syariah Bab 18 Manajemen Risiko Asuransi Syariah Bab 19 Manajemen Risiko Perusahaan Pembiayaan Syariah Bab 20 Manajemen Risiko Dana Pensiun Syariah Bab 21 Tata Kelola Lembaga Keuangan Syariah Bab 22 Rentabilitas Lembaga Keuangan Syariah Bab 23 Permodalan Lembaga Keuangan Syariah

Disclosures to promote Transparency and market discipline for institutions offering Islamic financial services (excluding Islamic insurance (takaful) institutions and Islamic mutual funds. . 2005. Guiding Principles of Risk Management ...

Public Administration

Balancing Power and Accountability

A presentation of public administration as a tension between the necessary exercise of power and the search for accountability by public servants. The authors focus on middle- and lower-class managers, positions which they believe students will occupy for the bulk of their professional careers.

A presentation of public administration as a tension between the necessary exercise of power and the search for accountability by public servants.

Ensiklopedi teknologi digital

mengetahui sejarah perkembangan komputer dan teknologi digital terkini

Dictionary of information technology.

E - Banking Pelayanan perbankan melalui jalur elektronik ( internet ) . Aplikasi e - banking ini dilengkapi dengan berlapis pengaman privasi dan sekuriti . Beberapa komponen pengaman perangkat ini adalah Secure Sockets Layer , Public ...

Islamic Finance and Global Capitalism

An Alternative to the Market Economy

This book examines whether Islamic finance and Islamic economics is challenging the orthodoxy of the money markets. Can ethical finance combined with the prohibition on interest and speculation really work in the global economy? With a political economy approach, the book explores how the industry has grown in modern times - from a short-lived bank in an Egyptian city in the 1960s through to a global industry that is today valued at US$2.05 trillion. From the revelation as articulated by the Prophet Muhammed in the seventh century through to the gleaming 21st century skyscrapers of Dubai and Kuala Lumpur, the book covers the end of European colonialism, the controversial utterances of self-styled religious leaders, the impact of Islamophobia, and the efforts to end poverty through Islamic microfinance. The book uncovers an industry that is both profitable and changing the face of contemporary capitalism. James Simon Watkins is a Lecturer at Regent's University London, UK. He was the Political Adviser at the Embassy of Japan in London and he has worked in the UK Houses of Parliament. He was the Chief Executive of a business group and was a UK Labour Party candidate for the 2014 European Parliament election.

The book uncovers an industry that is both profitable and changing the face of contemporary capitalism. This book examines whether Islamic finance and Islamic economics is challenging the orthodoxy of the money markets.

Accelerating Customer Relationships

Using CRM and Relationship Technologies

Preface Corporations that achieve high customer retention and high customer profitability aim for: The right product (or service), to the right customer, at the right price, at the right time, through the right channel, to satisfy the customer's need or desire. Information Technology—in the form of sophisticated databases fed by electronic commerce, point-of-sale devices, ATMs, and other customer touch points—is changing the roles of marketing and managing customers. Information and knowledge bases abound and are being leveraged to drive new profitability and manage changing relationships with customers. The creation of knowledge bases, sometimes called data warehouses or Info-Structures, provides profitable opportunities for business managers to define and analyze their customers' behavior to develop and better manage short- and long-term relationships. Relationship Technology will become the new norm for the use of information and customer knowledge bases to forge more meaningful relationships. This will be accomplished through advanced technology, processes centered on the customers and channels, as well as methodologies and software combined to affect the behaviors of organizations (internally) and their customers/channels (externally). We are quickly moving from Information Technology to Relationship Technology. The positive effect will be astounding and highly profitable for those that also foster CRM. At the turn of the century, merchants and bankers knew their customers; they lived in the same neighborhoods and understood the individual shopping and banking needs of each of their customers. They practiced the purest form of Customer Relationship Management (CRM). With mass merchandising and franchising, customer relationships became distant. As the new millennium begins, companies are beginning to leverage IT to return to the CRM principles of the neighborhood store and bank. The customer should be the primary focus for most organizations. Yet customer information in a form suitable for marketing or management purposes either is not available, or becomes available long after a market opportunity passes, therefore CRM opportunities are lost. Understanding customers today is accomplished by maintaining and acting on historical and very detailed data, obtained from numerous computing and point-of-contact devices. The data is merged, enriched, and transformed into meaningful information in a specialized database. In a world of powerful computers, personal software applications, and easy-to-use analytical end-user software tools, managers have the power to segment and directly address marketing opportunities through well managed processes and marketing strategies. This book is written for business executives and managers interested in gaining advantage by using advanced customer information and marketing process techniques. Managers charged with managing and enhancing relationships with their customers will find this book a profitable guide for many years. Many of today's managers are also charged with cutting the cost of sales to increase profitability. All managers need to identify and focus on those customers who are the most profitable, while, possibly, withdrawing from supporting customers who are unprofitable. The goal of this book is to help you: identify actions to categorize and address your customers much more effectively through the use of information and technology, define the benefits of knowing customers more intimately, and show how you can use information to increase turnover/revenues, satisfaction, and profitability. The level of detailed information that companies can build about a single customer now enables them to market through knowledge-based relationships. By defining processes and providing activities, this book will accelerate your CRM "learning curve," and provide an effective framework that will enable your organization to tap into the best practices and experiences of CRM-driven companies (in Chapter 14). In Chapter 6, you will have the opportunity to learn how to (in less than 100 days) start or advance, your customer database or data warehouse environment. This book also provides a wider managerial perspective on the implications of obtaining better information about the whole business. The customer-centric knowledge-based info-structure changes the way that companies do business, and it is likely to alter the structure of the organization, the way it is staffed, and, even, how its management and employees behave. Organizational changes affect the way the marketing department works and the way that it is perceived within the organization. Effective communications with prospects, customers, alliance partners, competitors, the media, and through individualized feedback mechanisms creates a whole new image for marketing and new opportunities for marketing successes. Chapter 14 provides examples of companies that have transformed their marketing principles into CRM practices and are engaging more and more customers in long-term satisfaction and higher per-customer profitability. In the title of this book and throughout its pages I have used the phrase "Relationship Technologies" to describe the increasingly sophisticated data warehousing and business intelligence technologies that are helping companies create lasting customer relationships, therefore improving business performance. I want to acknowledge that this phrase was created and protected by NCR Corporation and I use this trademark throughout this book with the company's permission. Special thanks and credit for developing the Relationship Technologies concept goes to Dr. Stephen Emmott of NCR's acclaimed Knowledge Lab in London. As time marches on, there is an ever-increasing velocity with which we communicate, interact, position, and involve our selves and our customers in relationships. To increase your Return on Investment (ROI), the right information and relationship technologies are critical for effective Customer Relationship Management. It is now possible to: know who your customers are and who your best customers are stimulate what they buy or know what they won't buy time when and how they buy learn customers' preferences and make them loyal customers define characteristics that make up a great/profitable customer model channels are best to address a customer's needs predict what they may or will buy in the future keep your best customers for many years This book features many companies using CRM, decision-support, marketing databases, and data-warehousing techniques to achieve a positive ROI, using customer-centric knowledge-bases. Success begins with understanding the scope and processes involved in true CRM and then initiating appropriate actions to create and move forward into the future. Walking the talk differentiates the perennial ongoing winners. Reinvestment in success generates growth and opportunity. Success is in our ability to learn from the past, adopt new ideas and actions in the present, and to challenge the future. Respectfully, Ronald S. Swift Dallas, Texas June 2000

This book is written for business executives and managers interested in gaining advantage by using advanced customer information and marketing process techniques.

Agenda Relevance: A Study in Formal Pragmatics

Agenda Relevance is the first volume in the authors' omnibus investigation of the logic of practical reasoning, under the collective title, A Practical Logic of Cognitive Systems. In this highly original approach, practical reasoning is identified as reasoning performed with comparatively few cognitive assets, including resources such as information, time and computational capacity. Unlike what is proposed in optimization models of human cognition, a practical reasoner lacks perfect information, boundless time and unconstrained access to computational complexity. The practical reasoner is therefore obliged to be a cognitive economizer and to achieve his cognitive ends with considerable efficiency. Accordingly, the practical reasoner avails himself of various scarce-resource compensation strategies. He also possesses neurocognitive traits that abet him in his reasoning tasks. Prominent among these is the practical agent's striking (though not perfect) adeptness at evading irrelevant information and staying on task. On the approach taken here, irrelevancies are impediments to the attainment of cognitive ends. Thus, in its most basic sense, relevant information is cognitively helpful information. Information can then be said to be relevant for a practical reasoner to the extent that it advances or closes some cognitive agenda of his. The book explores this idea with a conceptual detail and nuance not seen the standard semantic, probabilistic and pragmatic approaches to relevance; but wherever possible, the authors seek to integrate alternative conceptions rather than reject them outright. A further attraction of the agenda-relevance approach is the extent to which its principal conceptual findings lend themselves to technically sophisticated re-expression in formal models that marshal the resources of time and action logics and label led deductive systems. Agenda Relevance is necessary reading for researchers in logic, belief dynamics, computer science, AI, psychology and neuroscience, linguistics, argumentation theory, and legal reasoning and forensic science, and will repay study by graduate students and senior undergraduates in these same fields. Key features: . relevance . action and agendas . practical reasoning . belief dynamics . non-classical logics . labelled deductive systems

He also possesses neurocognitive traits that abet him in his reasoning tasks. Prominent among these is the practical agent's striking (though not perfect) adeptness at evading irrelevant information and staying on task.

TEACHING ENGLISH AS A SECOND LANGUAGE, Second Edition

A NEW PEDAGOGY FOR A NEW CENTURY

English Language Teaching (ELT), especially English as a Second Language (ESL) and English as a Foreign Language (EFL), has been witnessing unprecedented changes in curriculum, teaching methodology, and the application of learning theories. This has created a demand for teachers who can teach English to learners of varied cultural, socio-economic and psychological backgrounds. The book, in its second edition, continues to discuss the modern trends, innovations, as well as the difficulties and challenges in teaching and learning ESL in a non-native context. The book, with contributions from many experts (each one specializing in a particular field) from countries such as UK, USA, Australia, New Zealand, India, Nigeria, Sri Lanka, China, and Japan, provides new methods, strategies and application-oriented solutions to overcome the problems in a practical way. The book deals with all topics pertinent to English as a Second Language or English for the non-native speakers, and these are further reinforced by a large number of examples and quotations from different sources. The new edition comes along with thoroughly improvised chapters on Narrative Inquiry for Teacher Development (Chapter 13) and Mass Media, Language Attitudes and Language Interaction Phenomena (Chapter 23): to provide an insight on the innovative approaches in Teacher training and in classrooms, and new approaches and changing language dimensions in the world of media, and in general. What distinguishes the text is its focus on modern innovations and use of technology in ELT/CLT (Communicative Language Teaching). Postgraduate Students of English, teachers, teacher-trainees (B.Ed./M.A. Education/M.Ed.), and teacher-educators who are concerned with teaching English as a Second Language (ESL) should find this book immensely helpful.a

Postgraduate Students of English, teachers, teacher-trainees (B.Ed./M.A. Education/M.Ed.), and teacher-educators who are concerned with teaching English as a Second Language (ESL) should find this book immensely helpful.a