Analisis Aplikasi Akad Tabarru\u27 Dalam Asuransi Syariah: Studi Kasus Pada AJB Bumiputera 1912 Syariah Cabang Kudus

The purpose of this research is to (1) know of products of Islamic insurance at AJB Bumiputera 1912 Syariah Cabang Kudus; (2) know how procedure and mechanism of application of akad tabarru\u27 in Islamic insurance at AJBBumiputera 1912 Syariah Cabang Kudus; (3) analyse the application of akadtabarru\u27 in Islamic insurance at AJB Bumiputera 1912 Syariah CabangKudus.This research including field research with qualitative approach. Dataanalysis using descriptive analysis.Result of this research indicate that (1)products at AJB Bumiputera 1912 Syariah Cabang Kudus are products withsaving system; individual insurance (Mitra Sakinah, Mitra Mabrur and MitraIqra\u27) and group insurance; (2) in executing daily activity of AJB Bumiputera1912 Syariah Cabang Kudus, premium which step into the company groupedto become the Tabarru\u27 (benefaction fund), Premium of Saving and Premiumof Cost; (3) application of Akad tabarru\u27 at AJB Bumiputera 1912 SyariahCabang Kudus as according to religious advices of Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 21/DSN-MUI/X/2001 about common guidance of islamic insurance expressed that akad tabarru\u27 is all form akad done with benefaction purpose and help mutually, not for the commercial purpos

Faktor-faktor Yang Berpengaruh Terhadap Penyaluran Kredit Perbankan (Studi Pada Bank Umum Swasta Nasional Devisa)

Problems in this study are based on the phenomenon of not optimal lending and Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and the interest rate of Bank Indonesia Certificates (SBI) to the movement of credit. The population in this study is all Devisa National Private Commercial Bank (BUSND). The number of BUSND in 2012 is 34 banks. This study uses observations from January 2011 to February 2012. The method for data analysis method is factor and path analysis. The factors being predicted to have influence to the ability of banks to credit lending is profit, CAR, KAP, ROA, ROA, Liquidity, LDR, NPL, Deposits, Credit and Interest. Based on the analysis, it can be concluded that the impact of independent variables to the amount of loans are: Profit 1.2%, KAP 0.3%, ROA 0.1%, LDR 30.9%, NPL 1.2%, deposits 72.4%, interest -2.1%, and all variables simultaneously 100%

Algorithm of automated annotation of areas of roads with increased accidents

The paper describes the methodology of annotating of road accidents centres of interactive accidents map. Based on the statistical analysis of the traffic accidents database the range of accident risk zones of a roadmap of the city are allocated as well as cause of accidents. These information in the form of text messages is applied to a vector map of a geographical area, in this paper – the map of Nizhny Novgorod. The annotation algorithm also takes into account the data of the road infrastructure, the weather, the driver (the user of the interactive crash map). The method was tested during the creation of e-cards of Nizhny Novgorod

Additional file 1: Table S1. of Convergence of retrotransposons in oomycetes and plants

Diversity and distribution of aRNH-containing repetitive elements identified in the Repbase Update v. 20.08 (08-30-2015) database [21]. Table S2. Diversity, distribution and selected representatives of identified aRNH-containing retrotransposons in the studied oomycete genomes. Table S3. Individual aRNHs identified in the free-living Stramenopiles species. (XLSX 40 kb

Additional file 5: Figure S4. of Convergence of retrotransposons in oomycetes and plants

Multiple amino acid sequence alignment of CHDs from LTR-RTs and human Chromodomain Protein Y-Like 2 (PDB accession number 5JJZ_A). Additional information about the amino acid conservation is shown as a sequence Logo generated from the alignment, which is positioned at the bottom. (PDF 1096 kb

Additional file 2: Figure S1. of Convergence of retrotransposons in oomycetes and plants

The complete Maximum-likelihood and Bayesian phylogenetic trees reconstructed based on the amino acid sequences of RT domain of LTR-RTs (see Additional file 6 for the alignment). Statistical support was evaluated using aBayes aLRT (unit fractions) and 100 bootstrap replicates (% after a slash), and MCMC runs (%) in Maximum-likelihood and Bayesian reconstructions, respectively, and are shown at the corresponding nodes of the tree. Bootstrap values are shown only for the main indicated clusters. Chromodomain-containing clade names are underlined, and the names of the aRNH-containing clades are indicated in blue and green for plant and oomycete LTR-RTs, respectively. The names of the oomycete LTR-RT sequences identified in the present study correspond to those in Additional file 1: Table S2. Unless otherwise stated, the names of other LTR-RTs correspond to those in GyDB [39]. (PDF 779 kb

Additional file 4: Figure S3. of Convergence of retrotransposons in oomycetes and plants

The complete Maximum-likelihood and Bayesian trees reconstructed based on different type I RNH amino acid sequences (see Additional file 8 for the alignment). Statistical support was evaluated using aBayes aLRT (unit fractions) and 100 bootstrap replicates (% after a slash), and MCMC runs (%) in Maximum-likelihood and Bayesian reconstructions, respectively, and the results are shown at the corresponding nodes of the tree. Bootstrap values are shown only for the main indicated clusters. The names of the RNH clades from plant and oomycete genomes are highlighted in green and blue, respectively. The names of oomycete non-LTR-RT and LTR-RT RNH sequences identified in the present study correspond to those in Additional file 1: Table S2. Names of RNHs of other LTR-RTs and non-LTR-RTs correspond to those in GyDB [39] and Repbase Update [21], respectively. NCBI accession numbers are indicated to the right of other RNH sequences. (PDF 863 kb

DEP1 gene in wheat species with normal, compactoid and compact spikes

Abstract Background In rice, a variant of DEP1 gene results in erect panicle architecture, well-developed vascular bundles, an increase in the number of grains per panicle and a consequent increase in the grain yield. Interestingly, DEP1 homologs are present in the other cereals including species of wheat and barley (Hordeum vulgare), even though they do not produce panicles but spikes. In barley, HvDEP1 alleles do not differ between strains of various ear types and geographic origins, while in at least three OsDEP1 variants have been described. Results In this work, we have studied the DEP1 gene from eight accessions which belong to four wheat species, T. monococcum, T. durum, T. compactum, and T. spelta, with either compact, compactoid or normal spike phenotypes. The nucleotide sequences of the 5th exon of DEP1 were determined for all eight accessions. Obtained sequences were species specific. Despite the interspecies diversity, all wheat sequences encoded polypeptides of the same size, similarly to the 5th exons of the DEP1 homologs in T. aestivum, T. urartu, and H. vulgare. For further study, the full-length sequences of the DEP1 gene for all four species were studied. The full-length DEP1 genomic copies were isolated from the genomic sequences of T. aestivum, T. urartu, and Aegilops tauschii. The genome of tetraploid wheat T. durum contains two variants of the DEP1 originating from A and B genomes. In the hexaploid wheats T. aestivum, T. compactum, and T. spelta, three variants of this gene originating from A, B, and D genomes were detected. DEP1 genes of the diploid wheats T. monococcum and T. urartu differ. It seems that a precursor of the DEP1 gene in T. monococcum originates from the wild progenitor T. boeoticum. Conclusion No DEP1-related differences of nucleotide sequences between the compact (or compactoid) and normal spike phenotypes in the tested wheat species were detected. Therefore, DEP1 gene does not directly participate in the control of the spike architecture in wheats

VRN1 genes variability in tetraploid wheat species with a spring growth habit

Abstract Background Vernalization genes VRN1 play a major role in the transition from vegetative to reproductive growth in wheat. In di-, tetra- and hexaploid wheats the presence of a dominant allele of at least one VRN1 gene homologue (Vrn-A1, Vrn-B1, Vrn-G1 or Vrn-D1) determines the spring growth habit. Allelic variation between the Vrn-1 and vrn-1 alleles relies on mutations in the promoter region or the first intron. The origin and variability of the dominant VRN1 alleles, determining the spring growth habit in tetraploid wheat species have been poorly studied. Results Here we analyzed the growth habit of 228 tetraploid wheat species accessions and 25 % of them were spring type. We analyzed the promoter and first intron regions of VRN1 genes in 57 spring accessions of tetraploid wheats. The spring growth habit of most studied spring accessions was determined by previously identified dominant alleles of VRN1 genes. Genetic experiments proof the dominant inheritance of Vrn-A1d allele which was widely distributed across the accessions of Triticum dicoccoides. Two novel alleles were discovered and designated as Vrn-A1b.7 and Vrn-B1dic. Vrn-A1b.7 had deletions of 20 bp located 137 bp upstream of the start codon and mutations within the VRN-box when compared to the recessive allele of vrn-A1. So far the Vrn-A1d allele was identified only in spring accessions of the T. dicoccoides and T. turgidum species. Vrn-B1dic was identified in T. dicoccoides IG46225 and had 11 % sequence dissimilarity in comparison to the promoter of vrn-B1. The presence of Vrn-A1b.7 and Vrn-B1dic alleles is a predicted cause of the spring growth habit of studied accessions of tetraploid species. Three spring accessions T. aethiopicum K-19059, T. turanicum K-31693 and T. turgidum cv. Blancal possess recessive alleles of both VRN-A1 and VRN-B1 genes. Further investigations are required to determine the source of spring growth habit of these accessions. Conclusions New allelic variants of the VRN-A1 and VRN-B1 genes were identified in spring accessions of tetraploid wheats. The origin and evolution of VRN-A1 alleles in di- and tetraploid wheat species was discussed