We need to know that the credit structure of Islamic financing is using the murabaha principle, so that in the course of the transaction fee payable no more that arise after all the price and margin requirements have been agreed by both parties.
There is no fee if we want to change the payment due from the date of receipt of goods if the deadline one week from the date of receipt of goods. This is very different from the way the credit system with the conventional structure in which any changes due will be charged the current rate of change of name the date of receipt of goods. Date of receipt of goods here is the date of maturity of the financing system.
Many of the benefits that would be obtained if the credit structure of Islamic finance with this murabaha principle if we want credit, and this seems to apply comprehensively in the principles of Islamic economic practice that is growing. With no fee after the loan agreement would be more attractive and profitable recipients. Imagine if in the middle period of our credit surcharge again or structure of interest rates up and down, of course it will hurt us when compared with murabaha practices that do not exist anymore after the fee structure agreed upon credit.
In times of credit that has not run out if we want our debt to be paid before the tenor finished then no more fees imposed in this Islamic principles. Administrative fee or penalty in case of repayment in the face of conventional credit system is a matter that must be met obviously very different from Islamic credit scheme that no fee, and penalty fees imposed on the range of 7.5% of the remaining principal debt. It is very large if the administration fee is charged if still in the early installments.
Why administration fee to cover this settlement of the conventional credit schemes? because the conventional structure for the early repayment of debt principal portion and the portion paid slightly larger rates. The installment is the part where some, including to pay principal and some other people to pay interest. The conventional way assume that the upfront payment is detrimental to his side so as to prevent that so as not to be so high repayment charges so that customers will think about it for not repaid. As for the credit scheme with the Islamic murabaha Principles There are no administrative fees, and repayment is done if things suck in customers have the fortune.
Minggu, 12 Desember 2010
Senin, 06 Desember 2010
Secular Reason guide to The Direction of Spirituality.
Towards the end of the 20th century reappear in various circles passionate spirituality. This is caused by the emergence of crisis and sorrow that struck the man. Start the crisis itself, alienation, depression, stress, family rift and other psychological illnesses. All this is compounded by the political crisis, economic and security that hit various parts of the world. Such fears appear in human beings is now in a life full of terror, conflict, violence, economic instability, political and security. This is among others that cause longing for spiritual fulfillment in order to appease themselves from multiple crises that occur.
Longing for spiritual meaning is realized with a variety of ways. For those who are bound by certain religious institutions, they will return to the teachings of their religion. For example, attending religious lectures, recitation, remembrance, worship, meditation, and so forth. In contrast to those who do not believe in or be bound by formal religious institutions prefer no religion or spiritual movement as dislogankan by John Naisbitt and Patricia Aburdene in their book Megatrend 2000 "Spirituality yes! No organized religion! "This group later known as the New Agers and a fairly wide acclaim, particularly in North America.
Things like this also penetrated into the world of business and organization. More and more people are fed up with business practices that are not based on ethics and makes capital accumulation as much as a primary goal. People increasingly question the victory of the capitalist and sue their responsibilities to the various environmental destruction and accumulation of wealth in the hands of a small world of human beings in time millions more suffer from hunger, poverty and underdevelopment in the real world rich in natural resources.
Jesper Kunde in his book Corporate Religion (2000) says that in the field of management there is such a need for spiritual-based management in many companies the world;
.... To have the desire and ability to keep people in order to stay on the right path and lead the right way, without looking at the part where he worked in the company. At the present time, which is considered the most successful company is a company that is managed by several people who have a very charismatic personality. At the time the companies guiding philosophy that they are very clear and everyone can understand and contribute to it.
In recent years we have witnessed many of the executives who change their outlook on life with their closer on the values of a more profound and long-lasting and build a more productive working community. Among them were successful doing that when they still can be in touch with the spiritual dimension in their daily work. They also continue to improve the productivity and effectiveness of organizations that become their responsibility.
However, the executives who experienced a spiritual drought still plural encounter. In conducting its business, for example, they just view it from a business perspective. They think in terms of Cartesian dualism by separating the physical world and spiritual realism. They also think using the method of Newtonian thinking and see the world as a machine composed of various components are separate and different. Wal result they view people as objects, parts or components of an economic engine. Such perspective can not see the reality of man as a whole despite using a variety of sophisticated techniques.
More than that business is not done to serve the interests of humans and nature in general. No wonder then if the business that do not allow us to become what we can actually accomplish. We can not meet the deepest needs of all our stakeholders. We fail to have a commitment to issues such as hunger, environmental damage, personal dysfunction, but not because of our inability as a world view that is used, resulting in a conflict between the desires, values and priorities.
We have long had the view that business is business or business is as usual. We separate the business affairs of the spiritual and moral values. According to this view, business and spirituality are two entities that can not be reconciled. Furthermore, incorporate elements of spirituality or religiosity in business can cause ketidakluwesan in business. Religious teachings have a set of rules that could restrict business activities. For example, the prohibition element RIBA (usury) in economic activity in religions such as Judaism, Christianity and Islam. Though these elements are widely used in the business world.
Some people also think that spirituality or religiosity has nothing to do with business activities. Religion is only dealing with things that are rituals (worship mahdah) such as ceremonies of birth, marriage, death and the rituals of daily worship. Religion is only in the places of worship are open in the centers of business.
Longing for spiritual meaning is realized with a variety of ways. For those who are bound by certain religious institutions, they will return to the teachings of their religion. For example, attending religious lectures, recitation, remembrance, worship, meditation, and so forth. In contrast to those who do not believe in or be bound by formal religious institutions prefer no religion or spiritual movement as dislogankan by John Naisbitt and Patricia Aburdene in their book Megatrend 2000 "Spirituality yes! No organized religion! "This group later known as the New Agers and a fairly wide acclaim, particularly in North America.
Things like this also penetrated into the world of business and organization. More and more people are fed up with business practices that are not based on ethics and makes capital accumulation as much as a primary goal. People increasingly question the victory of the capitalist and sue their responsibilities to the various environmental destruction and accumulation of wealth in the hands of a small world of human beings in time millions more suffer from hunger, poverty and underdevelopment in the real world rich in natural resources.
Jesper Kunde in his book Corporate Religion (2000) says that in the field of management there is such a need for spiritual-based management in many companies the world;
.... To have the desire and ability to keep people in order to stay on the right path and lead the right way, without looking at the part where he worked in the company. At the present time, which is considered the most successful company is a company that is managed by several people who have a very charismatic personality. At the time the companies guiding philosophy that they are very clear and everyone can understand and contribute to it.
In recent years we have witnessed many of the executives who change their outlook on life with their closer on the values of a more profound and long-lasting and build a more productive working community. Among them were successful doing that when they still can be in touch with the spiritual dimension in their daily work. They also continue to improve the productivity and effectiveness of organizations that become their responsibility.
However, the executives who experienced a spiritual drought still plural encounter. In conducting its business, for example, they just view it from a business perspective. They think in terms of Cartesian dualism by separating the physical world and spiritual realism. They also think using the method of Newtonian thinking and see the world as a machine composed of various components are separate and different. Wal result they view people as objects, parts or components of an economic engine. Such perspective can not see the reality of man as a whole despite using a variety of sophisticated techniques.
More than that business is not done to serve the interests of humans and nature in general. No wonder then if the business that do not allow us to become what we can actually accomplish. We can not meet the deepest needs of all our stakeholders. We fail to have a commitment to issues such as hunger, environmental damage, personal dysfunction, but not because of our inability as a world view that is used, resulting in a conflict between the desires, values and priorities.
We have long had the view that business is business or business is as usual. We separate the business affairs of the spiritual and moral values. According to this view, business and spirituality are two entities that can not be reconciled. Furthermore, incorporate elements of spirituality or religiosity in business can cause ketidakluwesan in business. Religious teachings have a set of rules that could restrict business activities. For example, the prohibition element RIBA (usury) in economic activity in religions such as Judaism, Christianity and Islam. Though these elements are widely used in the business world.
Some people also think that spirituality or religiosity has nothing to do with business activities. Religion is only dealing with things that are rituals (worship mahdah) such as ceremonies of birth, marriage, death and the rituals of daily worship. Religion is only in the places of worship are open in the centers of business.
Senin, 08 November 2010
Why choose Syaria Scheme
No fee will be found in every transaction in this syaria. Almost every transaction using the principle of transparent sharia, no mixing, no fee and profit sharing for the acquisition.
Akad Mudharabah in saving money with revenue sharing as agreed by both parties would be very advantageous compared with conventional schemes that are still widely used in banking or finance on which no fee for the conventional scheme is the thing that is not possible because no fee was a loss.
Peace of mind for every customer for every transaction it does because it is free of usury because it is managed entirely by mudharabah muthalaqah or share the results. Usury-free, soothing.
Wide access has become an absolute requirement for transaction banking. Need cash? Make withdrawals with a limit of no less with the conventional scheme automatic teller machines across the network without frequency limit withdrawals.
With comprehensive features that will facilitate transactions that bring benefits and other benefits for customers syaria, such as;
- No minimum balance
- No monthly administration fee for balance
- No fee for closing accounts
- No fee for the card and the card validity period without limit
- For a competitive monthly results
- Facilities mobile banking and SMS banking
- Choice of payment of zakah, infaq and automatic shodaqoh.
And many other features options that are very transparent and principles that make no fee scheme syaria definitely more profitable than conventional schema. And will be more deeply felt when we will close the debt that each long-term tenor syaria using this scheme.
Akad Mudharabah in saving money with revenue sharing as agreed by both parties would be very advantageous compared with conventional schemes that are still widely used in banking or finance on which no fee for the conventional scheme is the thing that is not possible because no fee was a loss.
Peace of mind for every customer for every transaction it does because it is free of usury because it is managed entirely by mudharabah muthalaqah or share the results. Usury-free, soothing.
Wide access has become an absolute requirement for transaction banking. Need cash? Make withdrawals with a limit of no less with the conventional scheme automatic teller machines across the network without frequency limit withdrawals.
With comprehensive features that will facilitate transactions that bring benefits and other benefits for customers syaria, such as;
- No minimum balance
- No monthly administration fee for balance
- No fee for closing accounts
- No fee for the card and the card validity period without limit
- For a competitive monthly results
- Facilities mobile banking and SMS banking
- Choice of payment of zakah, infaq and automatic shodaqoh.
And many other features options that are very transparent and principles that make no fee scheme syaria definitely more profitable than conventional schema. And will be more deeply felt when we will close the debt that each long-term tenor syaria using this scheme.
Kamis, 28 Oktober 2010
Self Leadership and Stress Management
One common problem that many people face today are related to self-leadership is a matter of stress. Whether stress is good for us? Is it just stress can make us the best show?
One of the benefits of an effective self-leadership is the emergence of courage in a broad sense which means daring to have great dreams and dare to step out and dare to face all risks facing. One of the secrets of the emergence of courage is to manage the dynamics of the inner as well as reduce the fear of losing.
Many executives believe that stress is beautiful. According to stress at a certain limit will encourage us to improve performance. More than that is that we should not be satisfied with the performance we have achieved because satisfaction will weaken the spirit to do better.
Working hard every day to reach targets set itself or by the company, but gradually began to feel tired both physiologically and psychologically. Is there another way to succeed but still satisfied and happy at the same time?
There is a missing link between success and happiness that is loss of consciousness of one's inner dynamics. It is important to understand and learn how to manage and lead the dynamics of one's inner self in order to achieve sustainable peak performance and continuous inner satisfaction. Often, successful people reach the summit but largely obtained harbored fear losing. That fear of losing something of what has been achieved now and what will be achieved which will come though still unseen.
Fear can indeed improve one's performance by generating adrenaline, a highly energized and cause addiction. But adrenaline is also self-consuming and can not survive long. To achieve sustainable peak performance, motivation to learn and change us from fear of losing it to be happy doing that have a different chemistry.
There are three basic laws of how someone would do something that is:
1. Someone will do something new when love and happy to do it.
2. People may be doing something because of compulsion or fear of the threat.
3. Someone will do something because it is the duty, but he lost his enthusiasm in doing so.
This becomes very important because the essence of leadership is to identify, locate and identify the real self.
Leadership is how someone in the habit of proactive and creative. In fact, most of us are reactive. Why is that? Since we usually identify ourselves with the body, mind and emotions, which in fact is very narrow and is called ego identity. The nature of the ego is self centered and reactive.
How is the way to overcome this trait? Do it through a simple exercise to perform outer journey in order to experience a sense of distance, regardless of the body, mind, emotions and positioned the awareness and experience more deeply into the inner self which is also a proactive and creative.
How practical is a form of meditation or yoga. Lessons of all that among other things is to find oneself completely, to calm emotions and so forth. This exercise not only lead to positive feelings and fun but also can enable a cheerful and proactive self through the ego, not the egos of self-reactive.
One of the benefits of an effective self-leadership is the emergence of courage in a broad sense which means daring to have great dreams and dare to step out and dare to face all risks facing. One of the secrets of the emergence of courage is to manage the dynamics of the inner as well as reduce the fear of losing.
Many executives believe that stress is beautiful. According to stress at a certain limit will encourage us to improve performance. More than that is that we should not be satisfied with the performance we have achieved because satisfaction will weaken the spirit to do better.
Working hard every day to reach targets set itself or by the company, but gradually began to feel tired both physiologically and psychologically. Is there another way to succeed but still satisfied and happy at the same time?
There is a missing link between success and happiness that is loss of consciousness of one's inner dynamics. It is important to understand and learn how to manage and lead the dynamics of one's inner self in order to achieve sustainable peak performance and continuous inner satisfaction. Often, successful people reach the summit but largely obtained harbored fear losing. That fear of losing something of what has been achieved now and what will be achieved which will come though still unseen.
Fear can indeed improve one's performance by generating adrenaline, a highly energized and cause addiction. But adrenaline is also self-consuming and can not survive long. To achieve sustainable peak performance, motivation to learn and change us from fear of losing it to be happy doing that have a different chemistry.
There are three basic laws of how someone would do something that is:
1. Someone will do something new when love and happy to do it.
2. People may be doing something because of compulsion or fear of the threat.
3. Someone will do something because it is the duty, but he lost his enthusiasm in doing so.
This becomes very important because the essence of leadership is to identify, locate and identify the real self.
Leadership is how someone in the habit of proactive and creative. In fact, most of us are reactive. Why is that? Since we usually identify ourselves with the body, mind and emotions, which in fact is very narrow and is called ego identity. The nature of the ego is self centered and reactive.
How is the way to overcome this trait? Do it through a simple exercise to perform outer journey in order to experience a sense of distance, regardless of the body, mind, emotions and positioned the awareness and experience more deeply into the inner self which is also a proactive and creative.
How practical is a form of meditation or yoga. Lessons of all that among other things is to find oneself completely, to calm emotions and so forth. This exercise not only lead to positive feelings and fun but also can enable a cheerful and proactive self through the ego, not the egos of self-reactive.
Consumer Finance Scheme
Billions of people may be living below the poverty line as it gets below the standard wage or salary, so they do not have recourse to debt to cover the needs of everyday life.
Its very possible they do is go to funding institutions or cooperatives to earn some money. They argued with everything money can be fulfilled, but is it true with a lot of money then we will get everything?
Depending on the way how we get that money whether by way of a lawful or unlawful manner.Here is a comparison of gains and losses when we are forced to borrow money from financial institutions or the like, by way of Islamic or conventional.
Conventional credit financing scheme.
Conventional credit financing scheme has been so long entrenched in the bank in the world even though there was already a way of sharia. Credit this conventional
has the following characters;
- Interest Rate is set very high.
- High administrative costs and is often not mentioned.
- If we're going to shut down our debt before the tenor finish would bear administrative costs for the repayment of our credit.
- Conventional credit schemes that can be regulated solely by financial institutions without being noticed by the credit applicant, so that we advance registration is not deposited what's in the brochure, we will certainly advance into smaller and this is the cause why the debt principal become very large when we advance deposit may have been a lot.
Syaria financing scheme.
If forced to borrow money then with syaria financing scheme is the choice and the right solution. Because all of the loans will be mentioned at the beginning of the credit agreement.
The principle of openness will be felt by either financing schemes syaria administrative costs or profits to be taken by the company.
This certainly would be more advantageous borrowing money because it would be much better to know how big the debt principal and profit to be taken.
Similarly, in case of payment in advance before a tenor completed. There will be no administrative costs with this syaria financing scheme.
Few know syaria financing will certainly open a discourse that was very detrimental to the conventional credit financing peminjan mentingkan money and only financial
institution that.
Its very possible they do is go to funding institutions or cooperatives to earn some money. They argued with everything money can be fulfilled, but is it true with a lot of money then we will get everything?
Depending on the way how we get that money whether by way of a lawful or unlawful manner.Here is a comparison of gains and losses when we are forced to borrow money from financial institutions or the like, by way of Islamic or conventional.
Conventional credit financing scheme.
Conventional credit financing scheme has been so long entrenched in the bank in the world even though there was already a way of sharia. Credit this conventional
has the following characters;
- Interest Rate is set very high.
- High administrative costs and is often not mentioned.
- If we're going to shut down our debt before the tenor finish would bear administrative costs for the repayment of our credit.
- Conventional credit schemes that can be regulated solely by financial institutions without being noticed by the credit applicant, so that we advance registration is not deposited what's in the brochure, we will certainly advance into smaller and this is the cause why the debt principal become very large when we advance deposit may have been a lot.
Syaria financing scheme.
If forced to borrow money then with syaria financing scheme is the choice and the right solution. Because all of the loans will be mentioned at the beginning of the credit agreement.
The principle of openness will be felt by either financing schemes syaria administrative costs or profits to be taken by the company.
This certainly would be more advantageous borrowing money because it would be much better to know how big the debt principal and profit to be taken.
Similarly, in case of payment in advance before a tenor completed. There will be no administrative costs with this syaria financing scheme.
Few know syaria financing will certainly open a discourse that was very detrimental to the conventional credit financing peminjan mentingkan money and only financial
institution that.
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