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%

Numerical simulation and investigation of induction through-heaters in dynamic operation mode

Purpose - Because of their widespread use in industry, induction through-heaters of various metal products must be of high effectiveness not only in "quasi" steady-state operation but in different transient modes as well. Nowadays, they are usually designed to provide the required characteristics in "quasi" steady-state operation mode mainly. The purpose of this paper is to examine numerical simulation of transient processes in induction through-heating lines generally and investigate dynamic temperature fields during the first start of the heaters particularly. Design/methodology/ approach - The research methodology is based on coupled numerical electromagnetic and thermal analyses using FEM approach. ANSYS simulations are supported with the developed tools for imitation of mass transfer effects in continuous induction heating lines. Findings - The results show that transient temperature fields in the heated strip or slab significantly differ from their "quasi" steady-state descriptions. Local temperature variations acquired in longitudinal as well as transverse flux induction heaters during the first start have been predicted. Practical implications - The received results can be used for design of induction through-heaters and improvement of their characteristics in dynamic operation modes. Originality/value - Investigation of dynamic characteristics of the heaters in dynamic modes can be only done by numerical modelling based on special algorithms providing a time loop additional to coupling between electromagnetic and thermal analyses. Such algorithms have been developed and used for investigation of two types of induction installations: through-heaters of cylindrical billets for forging and heating lines of strip or thin slab for rolling mills. © 2011 Emerald Group Publishing Limited. All rights reserved

Blind trials of computer-assisted structure elucidation software

<p>Abstract</p> <p>Background</p> <p>One of the largest challenges in chemistry today remains that of efficiently mining through vast amounts of data in order to elucidate the chemical structure for an unknown compound. The elucidated candidate compound must be fully consistent with the data and any other competing candidates efficiently eliminated without doubt by using additional data if necessary. It has become increasingly necessary to incorporate an <it>in silico </it>structure generation and verification tool to facilitate this elucidation process. An effective structure elucidation software technology aims to mimic the skills of a human in interpreting the complex nature of spectral data while producing a solution within a reasonable amount of time. This type of software is known as computer-assisted structure elucidation or CASE software. A systematic trial of the ACD/Structure Elucidator CASE software was conducted over an extended period of time by analysing a set of single and double-blind trials submitted by a global audience of scientists. The purpose of the blind trials was to reduce subjective bias. Double-blind trials comprised of data where the candidate compound was unknown to both the submitting scientist and the analyst. The level of expertise of the submitting scientist ranged from novice to expert structure elucidation specialists with experience in pharmaceutical, industrial, government and academic environments.</p> <p>Results</p> <p>Beginning in 2003, and for the following nine years, the algorithms and software technology contained within ACD/Structure Elucidator have been tested against 112 data sets; many of these were unique challenges. Of these challenges 9% were double-blind trials. The results of eighteen of the single-blind trials were investigated in detail and included problems of a diverse nature with many of the specific challenges associated with algorithmic structure elucidation such as deficiency in protons, structure symmetry, a large number of heteroatoms and poor quality spectral data.</p> <p>Conclusion</p> <p>When applied to a complex set of blind trials, ACD/Structure Elucidator was shown to be a very useful tool in advancing the computer's contribution to elucidating a candidate structure from a set of spectral data (NMR and MS) for an unknown. The synergistic interaction between humans and computers can be highly beneficial in terms of less biased approaches to elucidation as well as dramatic improvements in speed and throughput. In those cases where multiple candidate structures exist, ACD/Structure Elucidator is equipped to validate the correct structure and eliminate inconsistent candidates. Full elucidation can generally be performed in less than two hours; this includes the average spectral data processing time and data input.</p

Peroral Endoscopic Myotomy in Diffuse Thickened Esophageal Wall in an Adolescent

Achalasia is an extremely rare pathology in children. Peroral endoscopic myotomy (POEM) is the gold standard for the surgical treatment of achalasia in adults, but only a limited number of cases of achalasia treatment using POEM in children have been published in the literature. Sometimes, high-resolution manometry signs of achalasia can mimic diffuse esophageal leiomyoma. This case report represents the first known successful performance of POEM on a 15-year-old female with diffuse thickening of the esophagus with signs and symptoms of achalasia and suspicion for Alport syndrome associated with diffuse esophageal leiomyoma

Optimasi Portofolio Resiko Menggunakan Model Markowitz MVO Dikaitkan dengan Keterbatasan Manusia dalam Memprediksi Masa Depan dalam Perspektif Al-Qur`an

Risk portfolio on modern finance has become increasingly technical, requiring the use of sophisticated mathematical tools in both research and practice. Since companies cannot insure themselves completely against risk, as human incompetence in predicting the future precisely that written in Al-Quran surah Luqman verse 34, they have to manage it to yield an optimal portfolio. The objective here is to minimize the variance among all portfolios, or alternatively, to maximize expected return among all portfolios that has at least a certain expected return. Furthermore, this study focuses on optimizing risk portfolio so called Markowitz MVO (Mean-Variance Optimization). Some theoretical frameworks for analysis are arithmetic mean, geometric mean, variance, covariance, linear programming, and quadratic programming. Moreover, finding a minimum variance portfolio produces a convex quadratic programming, that is minimizing the objective function ðð¥with constraintsð ð 𥠥 ðandð´ð¥ = ð. The outcome of this research is the solution of optimal risk portofolio in some investments that could be finished smoothly using MATLAB R2007b software together with its graphic analysis

Search for supersymmetry in events with one lepton and multiple jets in proton-proton collisions at root s=13 TeV

Peer reviewe

Measurement of the top quark forward-backward production asymmetry and the anomalous chromoelectric and chromomagnetic moments in pp collisions at √s = 13 TeV

Abstract The parton-level top quark (t) forward-backward asymmetry and the anomalous chromoelectric (d̂ t) and chromomagnetic (μ̂ t) moments have been measured using LHC pp collisions at a center-of-mass energy of 13 TeV, collected in the CMS detector in a data sample corresponding to an integrated luminosity of 35.9 fb−1. The linearized variable AFB(1) is used to approximate the asymmetry. Candidate t t ¯ events decaying to a muon or electron and jets in final states with low and high Lorentz boosts are selected and reconstructed using a fit of the kinematic distributions of the decay products to those expected for t t ¯ final states. The values found for the parameters are AFB(1)=0.048−0.087+0.095(stat)−0.029+0.020(syst),μ̂t=−0.024−0.009+0.013(stat)−0.011+0.016(syst), and a limit is placed on the magnitude of | d̂ t| &lt; 0.03 at 95% confidence level. [Figure not available: see fulltext.