Not Agree NU ulama Islamic Banking Problem
Bank October 6th, 2009
The scholars Nahdlatul Ulama (NU) has not one word or do not have the same opinion concerning the existence of Islamic banks, at least so that Halaqah raised in the Pre-Congress-32 NU Commission Waqi Maudlu “ iyah iyah.
The meeting was followed by the area manager NU envoy in Indonesia as well as institutional administrators, committee, and autonomous bodies NU, in Jakarta, Tuesday.
Vice Chairman of the Institute Takmirul Masajid Indonesia (LTMI) NU Mukhlas Syarkun rate, in some cases, Islamic banks were no different from conventional banks. In fact, he mentioned there was a violation of sharia in practice.
Mukhlas said Islamic banks are not familiar with flowers, but in practice the provision of credit, for example, introduced a system of collateral. Meanwhile, not all people, especially the poor, who can provide collateral to obtain credit.
“This is where Islamic banks could be called not shar` i because only people who can provide collateral to receive credit. While the very poor, no nothing, could not provide collateral, can not take credit, “he said.
Mukhlas was more in agreement with the concept of Grameen Bank in Bangladesh that developed the concept of micro credit which gives small loans to poor entrepreneurs who are unable to borrow from commercial banks.
Financial institutions was initiated by Muhammad Yunus is different from conventional banks because it does not use the collateral system.
To ensure repayment, Grameen Bank uses a system of “solidarity groups”. The groups applying for a loan together, and each member serves as a guarantor of the other members, so they can develop together.
“The concept of a bank like this, in my opinion, more than a shar` i Islamic bank itself, because it can lift the poor economy the poorest, “said Mukhlas.
The dissenting opinion stated Commission Chairman Waqi Maudlu “ iyah iyah KH Masyhuri Naim. According to him, banks generally do not conflict with Sharia Islamic law. One reason is the lack of bank interest that is forbidden in Islam.
“It’s just that in practice it is not entirely well as in his own theory. But it’s only natural. We are not not agree with Islamic banks. We only criticize the weaknesses in the practice Islamic banks themselves,” said NU was rais Syria.
According to Masyhuri, various issues surrounding the economy and Islamic banking in Halaqah raised will be discussed and examined in more detail in congress in Makassar, South Sulawesi, in January 2010.
Stay Safe with Credit Cards When Mudik
Finance October 6th, 2009
Forth season has arrived. Of course all the necessities needed cash and credit cards were certainly not small. How to manage our finances during the forth?
Hotman Simbolon Vice President, Customer Care Head, Citi Indonesia explains, communities should make a special budget in order to really know the expectations that spending will occur during the trip going home, from departure to return to the city home.
What are tips for using credit cards going home? Here are tips from Citi, which cited detikFinance, Monday (14/9/2009).
Credit Card Utilization During Mudik
To support your journey, credit cards can be used for the primary needs such as transportation, accommodation and consumption. If you use a plane and stay at the hotel, then the payment to the travel agent, airline or hotel can be done by credit card. It is now more and more tourism services offered through online, but always be careful. Use only the company’s official site has a good reputation and can be contacted for additional information.
By the time you berlebaran, there may be some transactions that you can pay by credit card. For example to eat in restaurants, shopping in stores or leisure time with relatives. Prioritize payment using credit card. Thus, you do not need to reduce the amount of cash in your hands so you will not run out of cash and no need to always go back and forth to the ATM to take money.
How to safely use credit cards
Before you travel make sure your credit card does not expire. Know the number of pending charges for the current and the amount of credit you can use during the journey, not until you can not use cards simply for forgetting to pay bills before.
To be safe, write out your credit card number, expiration date and note the phone number that can be reached from the issuer of the card and store in a safe place separate from your card. Completeness of this data is important, if at any time your card is lost, stolen or fraud occurs. However, never once time to include the PIN.
In addition, pay all your regular bills before leaving forth. Routine bills here means the cost of electricity, water, mobile phone or a monthly fee your fitness center. Thus, this bill does not interfere with your mind during the trip
If you are traveling out of town, then it should inform the card issuer so that your transactions are not suspected of fraud / irregularities in the transaction.
We’re on the way, do not leave your card in the hotel room, recreation area or on the vehicle. If necessary use a safe deposit box to put valuables.
Save evidence of your transactions, when reached at home again check whether the bill in accordance with the transaction that you do. If there is a difference or mistake, report it immediately in the period in accordance with the rules of credit card issuer.
The Import Fabrics Flood Local Markets
Economy October 6th, 2009
Since the opening of free markets, various types of imported fabrics with good quality and cheap now easily obtained by consumers. As happened in the Pasar Badung that become the center of textile sales in Denpasar, Bali. From monitoring SCTV, Tuesday (5 / 1), various types of fabrics from China, India, Japan, and Korea more easily found with a very affordable price. This course is hitting the local garment products are more expensive but the quality was better than the garment imports.
Japanese brocade for example, cost only USD 25 thousand per meter, while the local brocade over USD 50 thousand. Satin from China sold at Rp 30 thousand per meter, while the local fabric 35 to 50 thousand dollars.
Garment imports are expected to increasingly flood the domestic market. Thus only a matter of time for the local textile industry to die which will result in more and more unemployment.
PLN become buyer Gas from LNG Storage Terminal
Company Info October 6th, 2009
PT Perusahaan Listrik Negara decided only as a buyer of gas from the terminal liquid natural gas storage. Companies that country will not be involved in the construction of terminal storage of liquefied natural gas or LNG that will be built in the Gulf of Jakarta and Medan.
Director General of Oil and Natural Gas Ministry of Energy and Mineral Resources (ESDM) Evita Legowo mention it, Tuesday (5/1/10), when found in the Office of the Ministry of Energy and Mineral Resources, Jakarta.
Originally a consortium that consists of PLN, PT Pertamina and PT Perusahaan Gas Negara intend to build LNG terminals and storage of purchased gas produced. Later PLN decided only as a purchaser of gas in the consortium and does
PLN remained in the consortium, but merely acting as purchaser of gas supplied from the storage terminal – Evita Legowo
not included in the construction of the storage terminal.
“Pertamina and PGN have agreed. The government itself has approved because it’s a business to business agreements,” he said. Thus, PLN is still in the consortium, but merely acts as a buyer of gas supplied from the storage terminal.
Boediono reject review on Problem Bank Century
Bank October 6th, 2009
Former Governor of Bank Indonesia (BI) Boediono only confirmed case of smiles when the Bank Century. “It’s later,” he said briefly as a reporter after attending confirmed breaking of fast with President Susilo Bambang Yudhoyono at the TNI Headquarters Cilangkap, Friday night.
Even when pressed further, vice president-elect of RI 2009-2014 period once again just smiled as he removed President Yudhoyono left Cilangkap TNI.
Former Governor of Bank Indonesia Boediono and Minister of Finance Sri Mulyani Indrawati to surface behind the rescue PT Bank Century Tbk on November 21, 2008.
The two officials assessed the country’s economy is responsible for saving and capital injections Century who jumped from Rp630 billion initially be Rp6, 7 trillion.
Head of BNI economist Tony Prasetiantono rate, instead Century needs to bail out to save the national economy. He confirmed that the rescue effect, the largest depositor’s benefit because the savings in the Century to be safe.
“But this is a normal and natural because all depositors to be saved,” he said.
Tony believes that the government did bail out without pretensions impartial Century a major customer.
“I’m sure once the integrity Boediono and Sri Mulyani. They’re not the adventurous type who wants to benefit large depositors,” he said.
According to him, in the case of Century, the same position of all depositors. However, the most disadvantaged are the biggest depositors. “But, it’s to save the financial system, not to save certain individuals,” he said
