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M. Umer Chapra,Towards a Just Monetary System

The development of Islamic economics has been profound over the last twenty years. The excellent survey of Muslim Economic Thinking by Mohammad Nejatullah Siddiqi (Ahmad 1980) demonstrates the progress that has been made in every avenue of economic thought; the recent work by M. Khan and A. Mirakhor on Islamic Banking in Pakistan and Iran represents the first major study to quantify the effectiveness of an Islamic monetary system. The book by Dr. Umer Chapra, Towards a Just Monetary System, which is the subject matter of this review article, is an attempt, or so we are told by Khurshid Ahmad in the preface, to provide a "comprehensive and interpretative study of the Islamic monetary system" (P. 12), to "integrate theory and practice" and to "give a vigorous analysis of some key concepts" (P.13) in Islamic monetary economics. The reader is therefore given very high expectations of the book as the beginning of the fourth phase of Islamic economies - "a more integrative as well as more critical approach to the entire theory and practice of money and banking in Islam" (P.11). If these expectations are fulfilled Chapra has claim to pioneering work in Islamic macroeconomics but is this the case?

The book by Dr. Umer Chapra, Towards a Just Monetary System, which is the subject matter of this review article, is an attempt, or so we are told by Khurshid Ahmad in the preface, to provide a "comprehensive and interpretative study of the ...

PENGEMBANGAN MODEL MEDIA PEMBELAJARAN BERBASIS MULTIMEDIA

PENGEMBANGAN MODEL MEDIA PEMBELAJARAN BERBASIS MULTIMEDIA

Teknologi yang semakin berkembang, menghadirkan berbagai kemudahan. Dalam konteks pendidikan, teknologi sangat membantu sebagai penunjang proses pembelajaran. Secara umum, sekolah memiliki fasilitas pembelajaran berbasis teknologi. Namun, tidak semua guru dapat mengoptimalkan teknologi yang ada, khususnya dalam pembelajaran tematik. Hal tersebut, tentu belum sesuai dengan Peraturan Pemerintah Nomor 32 tahun 2013 yang menyebutkan bahwa proses pembelajaran pada suatu pendidikan diselenggarakan secara interaktif, insipratif, menyenangkan, menantang, memotivasi siswa untuk berpartisipasi aktif, serta memberikan ruang yang cukup, baik prakarsa, kreativitas, kemandirian, bakat, minat, perkembangan fisik dan psikisnya. Berangkat dari hal tersebut, hasil riset yang disajikan dalam buku ini memberikan penjelasan tentang bagaimana merancang dan menerapkan pengembangan media pembelajaran berbasis multimedia, melalui tema pengalamanku di sekolah dasar kelas awal.

Teknologi yang semakin berkembang, menghadirkan berbagai kemudahan.

Analysis of Islamic Banking Efficiency Using Maqashid Shariah Approach (Study on Islamic Banks in Indonesia and Malaysia).

Objective - This research aims to analyse the efficiency of Islamic banking in Indonesia and Malaysia based on the maqashid shariah approach.Methodology/Technique - This research uses individual education, creation of justice, and achievement of welfare to measure the efficiency variable. The research period covers the period from 2011 to 2015, using data envelope analysis (DEA).Findings - The result show that there are three (3) Islamic banks that achieve maximum efficiency in Malaysia. These are: Affin Islamic Bank Berhad, which achieved maximum efficiency in terms of distribution and profitability output, CIMB Islamic Bank, which achieved maximum efficiency in terms of distribution output, and RHB Islamic Bank Berhad, which achieved maximum efficiency in terms of distribution output. Meanwhile, two (2) Islamic banks which were considered to be efficient, although not at the maximum level.Novelty - This study shows that Bank Panin Syariah achieves maximum efficiency with respect to distribution output, and that Bank Mega Syariah is considered efficient with respect to profitability output and personal revenue output.

These are: Affin Islamic Bank Berhad, which achieved maximum efficiency in terms of distribution and profitability output, CIMB Islamic Bank, which achieved maximum efficiency in terms of distribution output, and RHB Islamic Bank Berhad, ...

The Role of Islamic Financial Technology (FinTech) Start-Up in Improving Financial Inclusion in Indonesia Case

Angsur

Nowadays, there is less than 50 % adult population of Indonesia who has access to banking service. This problem is caused by several factors as well as (1) concentrated banking financial services in Java and Bali (2) unequal distribution of infrastructure development in several regions. There are several strategies conducted by the bank to increase financial inclusion in Indonesia in terms of lending. However, most of Bank only accept physical goods as consumer collateral. We need an innovative and novel approach to address this problem. This paper describes analysis and implementation of Islamic Financial Technology (FinTech) Start-up called Angsur. Angsur brings a new innovative product by giving microlending service to undergraduate students who do not have a credit card by buying the product now, paying later. As digitally active users, undergraduate students produce huge amount data on their social media. Angsur uses social media data analysis to determine their credit score based on digital presence. Instead of using interest terms, Angsur adopts murabahah principal by taking profit margin and gives a chance to customers to pay by instalments from 1 until 12 months. In order to redistribute the wealth and decrease social problem, Angsur takes 2.5 % from sales margin for sadaqah which will be distributed to orphan and people who lives in the slum area. Sadaqah is a voluntary charity by giving some money to someone. A questionnaire, interview, and prototype have been developed to test start-up assumption. The test was conducted to see undergraduate students behaviour and product usability. The preliminary research showed that the students are interested in this service because of its simplicity and innovativeness. More than 80 % of users appreciate the presence of the Angsur Student Partners who act as financial literacy agent. Almost 84% early adopters said that they are happy to shop while doing sadaqah. With their innovative characteristic, Islamic FinTech start-up plays an important role in fostering financial inclusion and decreasing social problem in Indonesia by developing a new technology and new business model. Also, the social media data can be used as an option to evaluate borrower profile.

Nowadays, there is less than 50 % adult population of Indonesia who has access to banking service.

Live-stock Industry of the United States...report Prepared for the Commission of the United States of America to the Brazil Centennial Exposition, 1922-1923