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"Pada skripsi ini terdapat pembahasan untuk mengetahui bagaimana penerapan kesesuaian syariah dalam produk iB Hasanah Card agar sesuai dengan aturan dawabith wa hudud serta bagaimana konsekuensi yang diberikan apabila terjadi penggunaan iB Hasanah Card yang tidak sesuai dengan aturan yang berlaku. Dengan metode yuridis normatif skripsi ini menjelaskan hubungan antara aturan dawabith wa hudud yang terdapat pada Fatwa DSN No.54/DSN-MUI/X/2006 dengan kesesuaian produk iB Hasanah Card yang menjadikan iB Hasanah Card memilik sistem reject otomatis untuk menjaga kesesuaian syariah guna mematuhi aturan dawabith wa hudud. Pembahasan ini berkesimpulan bahwa iB Hasanah Card BNI Syariah yang merupakan produk yang berasaskan syariah telah berusaha menyesuaikan produknya dengan aturan syariah melalui jenis akad, mekanisme produk, pagu yang dimiliki hingga fitur yang ditawarkannya.

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There are discussion in this thesis to see how the application of sharia compliance in the product iB Hasanah Card according to rule dawabith wa hudud and how given the use of consequences if there is any iB Hasanah Card is not in accordance with the prevailing regulations .With the methods of juridical normative this thesis define the connection between dawabith wa hudud rules which is found in National Sharia Board Rules No.54 DSN / DSN-MUI /X / 2006 with the compliance of iB Hasanah Card who made this card has a system to keep reject automatic due to the compliance towards dawabith wa hudud rules. This discussion concludes that iB Hasanah Card BNI Syariah which is a product that is based on sharia has tried to adapt its products to the rule of sharia by type of contract , the mechanism of the product , the ceiling of which is owned by the features it offers."

"Terhambatnya pengembangan pasar perbankan syariah di lndonesia diakibatkan berbagai faktor utama diantaranya adalah permasalahan yang berkaitan dengan image, terbatasnya promosi dan komunikasi menyebabkan kurangnya pemahaman masyarakat akan bank syariah. Menindak lanjuti permasalahan pencitraan di masyarakat, bentuk komunikasi pemasaran yang dipilih udalah dengan mengadakan iB blogger Competition event yang dilakulom secare online dan diharapkan efek dari event ini adalah penyebaran pesan dengan jangkau yang luas dan waktu yang relative lebih cepet melalui viral marlieting yang diukur melalui audience reach, diffusion of speed dan peer-to-peer transmission. Metode komunikasi melalui viral marlieting ini diharapakan terjadi sebagi salah satu solusi meningkatkan awareness masyarakat akan image perbankan syariah. Hasil penelitian ini menunjukan bahwa penyebatnn viral marketing secara efektif dilakukan dengan penyebaran artikel lomba yang ditulis olah peserta di iB Blogger Competition di social network, kemudian mereka membaca selalu artikel terbaru dan menyebarluaskan artikel yang dibaca pada orang lain. Image perbankan syariah yang ditangkap oleh respouden udaiah bank yang memiliki keunggulan sistem secara syariah yang berarti image perbankan syariah sebagai bank yang syariah dengan nilai keagamaan.

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Delays in the development of Islamic banking market In Indonesia due to various /actions including the major problems associated with the image. limited promotion and lack of communication led to public understanding of Islamic banks. Follow-up imaging problems in society forms of marketing communication is selected l1y holding IB Blogger Competition even/ conducted online and the expected efficient of this event is to spread the message to reach a brood and relatively times faster through viral marketing, as measured by audience reach. diffusion of speed and peer-to-peer transmission. Methods of communication through viral marketing is expected ID happen as one o/the solutions will incre(13e public awareness of shmia banldng image. These results indicate that the spread of viral marketing effectively done by the spread of race articles written by participants in iB Blogger Competition in social networks. then they always read the latest articles and distribute articles for Others to read Islamic banking image cap used by the respondents is that banks have the advantage of a sharia system which means the image as the Islamic banking requirements of banks with religious values."

"Using the non-parametric method of Data Envelopment Analysis (DEA) and the parametric method of Stochastic Frontier Approach (SPA), this study investigates the efficiency of the Islamic Banking recent operations in Indonesia over the period 2005 to 2007. In specifying input-output variables of Islamic banks, the intermediation approach is selected as it is in line with the principle of Islamic financial system. The attributions of technical efficiency (utilization of capacity) and scale efficiency (optimality of scale achieved) are identified. The principal findings for the period under study indicated that technical and scale efficiency scores are improving but 100 percent optimal during research period. According to SFA approach, closer to 100 percent means a bank acts efficiently. Overall, the result shows that Islamic banks suffer slight inefficiencies during the period 2005-2007, and tend to be increasing. The study has several important policy implications to offer, one of which is that it could be taken as a guideline for the Indonesian government to chart a policy on banking deregulation and mergers. Moreover, the study provides some information and identifies the source of inefficiency, vyhich could, in turn, be used to assist banks? managements to overcome the problems of inefficiency."

"AbstractIndonesia is among the few countries that adopts dual banking system where Islamic banks run in parallel and compete with conventional banks. Although under such a system banking competition would be expected to be high, data tend to show the opposite case, as three Islamics banks acquired 65 percent of market share in Indonesia. This study, therefore, attempts to determine the degree of banking competition in Indonesia by employing the Panzar-Rosse Model for 2003-2008 period. The study also analyses the competitive behaviors of Islamic banks and compares it with those of its conventional counterparts. The estimated model suggests that monopolistic competition exists in the overall banking industry?the degree is even slightly higher for Islamic banking, where the market is characterized by aggressive competition for funding, quality human resources, and financing. Such competition occurs due to, among others, small market size, low consumer base, lack of product variations, and lack of competent human resources. These should be a major concern for all Islamics banking stakeholders for developing a better Islamic banking industry, particularly in Indonesia."

"Positive correlation between concentration and profitability is not always a result of collusion. Market concentration can be a proxyfor efficiency and product differentiation that have done by company. The company that can be mentioned efficient and have done product differentiation can improve market share, and industry that consist of the company has tendency to be concentrated.This research tries to prove whether market share and concentration in Islamic and conventional banking industry as proxy to efficient. If it is proven, so there is no relationship between market share and concentration with profitability. it is appropriate with efficient structure hypothesis.Using pool data for Islamic and conventional banking industiy at period January 2002 until November 2005. Model that had been used in this research is adjusted Smirlock model with fixed effect method From this research, is hoped that Islamic banking industry can support efficient structure hypothesis, moreover conventional banking industry can support differentiation hypothesis."

"There are two purposes that want to be assessed in this paper. The first purpose is to indicate whether the moral hazard problems are occurred in the Indonesian Sharia Bank (The moral hazard in this paper is the Indirect Moral Hazard which is the negligence of bank in the financing process influencing the moral hazard problems of the debtor in the other side. The second purpose is to assess whether the financing policies in the Sharia Banking are influenced by profit sharing system. The data for assessing this paper are acquired from the monthly financial reports published by Sharia Banks such as BSM and BM] from January 2001 to December 2004. The research based on the Error Correction Model in the long term shows that the increasing of allocation ratio of Murabahah to Musyarakah and Mudharabah results the increasing of non performing financing ratio. It indicates that the moral hazard problems are occurred in BM]. The moral hazard indication demonstrates that bank is both less careful in financing and less incentive in monitoring process. It also demonstrates the weakness of the Sharia bank ?s operational system in countering the debtor's moral hazard. The Granger Causality Test proves that profit sharing ratio (nisbah) between bank and debtor influences return ratio, however it does not ?influence financing allocation). On the other hand, financing allocation ratio influences nisbah ratio, furthermore in BSM case, return ratio influences nisbah ratio. This description shows that nisbah ratio is not only an instrument for calculating revenue/return distribution but also an instrument for Sharia bank in synchronizing profit sharing level with the interest rate in conventional bank."

"Penelitian ini bertujuan untuk mengetahui kesesuaian dari kegiatan usaha dan kondisi keuangan PT. XYZ, Tbk. (Persero) atas aktivitas penetapan efek berupa saham syariah yang direalisasikan oleh PT. XYZ, Tbk setelah proses penawaran umum terhadap prinsip – prinsip yang berlaku di pasar modal syariah Indonesia. Penelitian ini merupakan penelitan hukum yang bersifat yuridis normatif dengan menggunakan data sekunder,diantaranya peraturan perundang – undangan, dan buku. Dari hasil penelitian diperoleh kesimpulan yang menjawab permasalahan, yaitu bahwa terdapat beberapa kegiatan usaha yang dijalankan oleh Perseroan yang bersinggungan dengan kegiatan usaha yang tidak sesuai dengan prinsip – prinsip syariah. Dalam hal ini, Peraturan BAPEPAM – LK Nomor II.K.1 tentang Kriteria dan Penerbitan Daftar Efek Syariah serta Fatwa DSN – MUI No. 40/ DSN-MUI/X/2013 memiliki peranan penting dalam mengakomodir kegiatan pasar modal syariah khususnya dalam menyeleksi efek yang masuk, akan tetapi keselarasan antara kedua peraturan tersebut nampaknya masih belum tercapai sehingga menjadi sangat samar untuk dilakukan penilaian terhadap saham yang seperti apakah yang layak untuk masuk ke dalam bursa syariah dan kegiatan usaha apakah yang tidak sesuai dengan prinsip syariah."

"Econometric models have been played an increasingly important role in empirical analysis in economics. This paper provides an overview on some advanced econometric methods that increasingly used in empirical studies.

A panel data combines features of both time series and cross section data. Because of increasing availability of panel data in economic sciences, panel data regression models are being increasingly used by researcher. Related to panel data model, there are some methods that will be discussed here such as fixed effect and random effect. A new approach to panel data that developed by Im, Shin, and Pesaran (2002) for testing unit root in heterogenous panel is included in this overview.

When we work with time series data, there are many problems that we must handle, most of them are unit root test, cointegration among non stationary variables, and autoregressive conditional heteroscedasticity. Provided these problems, author also review about ADF and Philips-Perron test. An approch to cointegration analysis developed by Pesaran (1999), ARCH and GARCH model are also interesting to be discussed here.

Bayesian econometric, that less known than classical econometric, is includcd in this overview. The genctic algorithm, a relatively new method in econometric, has bcen increasingly employed the behavior of economic agents in macroeconomic models. The genetic algorithm is based on thc process of Darwin?s Theory of Evolution. By starting with a set of potential solutions and changing them during several iterations, the Genetic Algorithm hopes to converge on the most ?fit? solutions."

"Penelitian ini bertujuan menganalisis tugas dan tanggung jawab Dewan Pengawas Syariah pada Bank Islam, yaitu Unit Usaha Syariah Bank AEK berdasarkan Peraturan Bank Indonesia. Penelitian ini merupakan penelitian kualitatif dengan desain deskripstif. Pendekatan yang dilakukan yaitu menggunakan metode studi pustaka serta melakukan wawancara kepada staf Dewan Pengawas Syariah di Unit Usaha Syariah Bank AEK, dan partner Kantor Akuntan Publik EXP. Dari hasil penilitian ini ditemukan bahwa secara umum implementasi peran yang dijalankan dewan pengawas syariah telah sesuai dengan tugas dan tanggung jawab yang dijalankan DPS yang tertera dalam Peraturan Bank Indonesia, namun masih memerlukan beberapa catatan penyempurnaan dan proses pengawasan kepatuhan syariah oleh DPS pada bank Islam dapat dianalogikan dengan fungsi audit.Kata kunci:Auditor; Audit Syariah; Bank Islam; Pengawasan Kepatuhan Syariah.

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AbstractThe study aimed to analyze the implementation of of duties and responsibilities that performed by Sharia Supervisory Board on Islamic Bank, named Sharia Business Unit of Bank AEK based on Bank Indonesia rsquo s regulation.This research is a qualitative research with descriptive design. The approach taken is using literature study method and conducting interview with Sharia Supervisory Board staff of Sharia Business Unit of Bank AEK, and partner of Public Accountant Office EXP. The analysis show in general the implementation of duties and responsibilities that performed by Sharia Supervisory Board has in accordance with the Bank Indonesia rsquo s regulation, but still needs some notes to improvements and the process of supervision sharia compliance by Sharia Supervisory Board on Islamic bank can be analogized with the function of the audit.Keywords Auditor Islamic Bank Sharia Audit Supervision of Sharia Compliance."

"AbstractA civil servant selection attributes transaction cost. Aim of this conceptual paper is to explain behavior of transaction cost payment from perspective theory of the rationale of economics. This study was conducted by understanding various theories regarding a phenomena of transaction cost payment. This study revealed transaction cost payment as typical self interest and utility maximization (neo-classic rationality), to behave as Al-Nafs Al-Ammarah (Islamic rationality). The transaction cost payment was encouraged by perception, understanding and prior experiences (Keynes rationality), environment (psychology rationality). However, there was a limited scope of information for transaction cost payment (bounded rationality). AbstrakSeleksi pegawai negeri sering kali memunculkan biaya transaksi. Tujuan dari artikel konseptual ini adalah menjelaskan perilaku membayar biaya transaksi tersebut dalam perspektif teori rasionalitas ilmu ekonomi. Studi dilakukan dengan memaknai berbagai perdebatan teori rasionalitas dan menghubungkannya dengan fenomena membayar biaya transaksi. Hasil studi menunjukkan membayar biaya transaksi sebagai bentuk self interest dan maksimalisasi utilitas (rasionalitas neo-klasik), sebagai perilaku Al-Nafs Al-Ammarah (rasionalitas Islam). Membayar biaya transaksi juga dibentuk oleh persepsi, pemahaman, dan pengalaman perilaku sebelumnya (rasionalitas Keynes), lingkungan (rasionalitas sosiologi), dan kepribadian (rasionalitas psikologis). Di samping itu, terdapat keterbatasan informasi dalam membayar biaya transaksi tersebut (bounded rationality)."