Wednesday, March 27, 2013

Together Everlasting



Dalam doa dalam nada
Ku persembahkan cintaku
Ku persembahkan anganku
Dalam harap takkan hilang
Nada-nada terindah
Rasa-rasa terdalam
Mungkinkah dirimu
Merasa anganku
Tuhan sampaikan kita
Pada lembar yang sama
Sejuknya hawaku
Bila didekatmu
Kuingin berada selalu bersama
Berikan semua restuMu adakah
Lindungan
Izinkan kita melewati segala suka dan duka bersama
Jaga dia saat ku tak disampingnya
Ku persembahkan cintaku
Rasa-rasa terdalam




♬ Raisa-Bersama
♥ AIES:*
 

Saturday, March 23, 2013

HIJAB ITU PENYELAMAT



Benar..
Berhijab belum tentu baik imannya.
Akan tetapi wanita yang baik iman sudah pasti berhijab bukan?

Benar..
Menutup aurat bukan jaminan nggak pernah berbuat dosa.
Akan tetapi menutup aurat sudah pasti mengurangi dosa.
Minimal telah menggugurkan dosa kewajiban menutup aurat.!

Benar..
Berhijab nggak jaminan selalu dekat dengan Allah.
Akan tetapi yang pasti ia ingin mendekat kepada Allah.

"MENDING NGGAK BERHIJAB KALAU KELAKUAN MASIH PENUH MAKSIAT!"

Nah..
Ini kalimat yang menyesatkan.
Serupa dengan ajakan setan.
Yang baik diperlihatkan jelek.
Yang jelek diperlihatkan baik.

Hijab itu adalah untuk memperjelas jati diri.
Melindungi kehormatan dan kemuliaan yang tak akan terganti

Kelak..
Hijabmu menentukan pasangan hidupmu.
Karena wanita yang taat sangat berhak punya pendamping yang taat.
Itu janji Allah.
Bukan hanya pemanis kata-kata tanpa makna.

Hijab itu adalah penjaga diri bagi lelaki yang jahat.
Dan hijab adalah perhiasan terindah bagi lelaki yang taat.

Kenapa mesti berhijab?
Karena itu adalah perintah-Nya.
Karena itu akan melindungi wanita dari lelaki yang suka maksiat.

Source:
https://www.facebook.com/TutorialHijabModern?ref=ts&fref=ts

Wednesday, March 20, 2013

SUMMARY


Febriyani - Islamic Banking Strategies In Order To Expand Market Segmentation Competition Facing Global Banking

After Mu'amalat Bank Indonesia began to operate as a bank that applies the principles of sharia in Indonesia (1990), the frequency of excitement muslims to establish the sharia system and practice in daily economic life is high. After the birth of Mu'amalat Bank Indonesia, is now in a period of reform, has also operated conventional banking institutions that apply the principles of sharia, both government owned and private. The emergence of Islamic banking true that new events can not be separated from a severe financial crisis of 1998 or the post-liquidation of hundreds of conventional banks because its management is distorted.

The banking industry has undergone major changes in recent years. The industry has become more competitive due to deregulation legislation. Currently, the bank has flexibility in the services they offer, the location where they operate, and the rates they pay on savings depositors.

Until this year, Islamic banking shows an increasing trend in terms of both quantity and quality. The development of Islamic banking in Indonesia has become a benchmark for the success of the existence of Islamic finance in Indonesia. However, still a lot that must be addressed by banks in Indonesia for more Islamic banks increase market segmentation. Islamic Banking has spread to almost all regions of Indonesia. Commercial banks also have a lot to get products with a principled Islamic bank, but as time passes Islamic banking itself is not purely based on Islamic principles, it can be said half sharia. Many factors may be why people are reluctant to have a good relationship with Indonesia Islamic banks as a whole. This is certainly a homework banks in Indonesia to discover proven strategies that Islamic banking is better than conventional banking. So that Islamic banking can be improved and developed rapidly as expected.

The purpose of writing this paper is to collect and analyze the scientific study of the strategy of Islamic banks in order to expand the market segment for banks to face global competition. The methodology used in the writing of this paper is the selection of themes through problem identification, tracking of secondary data and literature, as well as analysis and synthesis.

In accordance with the comparisons that have been found, it appears that Islamic banks are much better and even more profitable than conventional banks. Expected Islamic banks in Indonesia in the future should be able to have its own power in Indonesia attract customers, both in terms of innovative products, profit margins to its customers as well as for competitive results. For this reason, an effort to compete with foreign banks need for specific strategies Indonesia sharia banks to increase the expansion of its market segments such as forming Resources Insani quality, acceleration products, technology, monitoring, network expansion as well as education and communication. Thus, Islamic banks will be expected to contribute fully to support the implementation of national development in order to improve equity, economic growth and national stability towards improving the welfare of the people.

2gether4ever


Saturday, March 2, 2013

Islamic Banking Strategies In Order To Expand Market Segmentation Competition Facing Global Banking




After Mu'amalat Bank Indonesia began to operate as a bank that applies the principles of sharia in Indonesia (1990), the frequency of excitement muslims to establish the sharia system and practice in daily economic life is high. After the birth of Mu'amalat Bank Indonesia, is now in a period of reform, has also operated conventional banking institutions that apply the principles of sharia, both government owned and private. The emergence of Islamic banking true that new events can not be separated from a severe financial crisis of 1998 or the post-liquidation of hundreds of conventional banks because its management is distorted.

The banking industry has undergone major changes in recent years. The industry has become more competitive due to deregulation legislation. Currently, the bank has flexibility in the services they offer, the location where they operate, and the rates they pay on savings depositors.

Until this year, Islamic banking shows an increasing trend in terms of both quantity and quality. The development of Islamic banking in Indonesia has become a benchmark for the success of the existence of Islamic finance in Indonesia. However, still a lot that must be addressed by banks in Indonesia for more Islamic banks increase market segmentation. Islamic Banking has spread to almost all regions of Indonesia. Commercial banks also have a lot to get products with a principled Islamic bank, but as time passes Islamic banking itself is not purely based on Islamic principles, it can be said half sharia. Many factors may be why people are reluctant to have a good relationship with Indonesia Islamic banks as a whole. This is certainly a homework banks in Indonesia to discover proven strategies that Islamic banking is better than conventional banking. So that Islamic banking can be improved and developed rapidly as expected.

The purpose of writing this paper is to collect and analyze the scientific study of the strategy of Islamic banks in order to expand the market segment for banks to face global competition. The methodology used in the writing of this paper is the selection of themes through problem identification, tracking of secondary data and literature, as well as analysis and synthesis.

In accordance with the comparisons that have been found, it appears that Islamic banks are much better and even more profitable than conventional banks. Expected Islamic banks in Indonesia in the future should be able to have its own power in Indonesia attract customers, both in terms of innovative products, profit margins to its customers as well as for competitive results. For this reason, an effort to compete with foreign banks need for specific strategies Indonesia sharia banks to increase the expansion of its market segments such as forming Resources Insani quality, acceleration products, technology, monitoring, network expansion as well as education and communication. Thus, Islamic banks will be expected to contribute fully to support the implementation of national development in order to improve equity, economic growth and national stability towards improving the welfare of the people.