Venture Capital
Venture capital is the "inclusion", the business of financing providers to enable the formation and development of new ventures in various fields.
Factors underdeveloped venture capital business is because:
not known, risk, compliance, professional, capital markets, rules and regulations.
The benefits of venture capital
1. Increase the chances of success of business
2. Fluency in funding
3. Increased efficiency of business activities
4. Increased bankability
5. Business development capacity.
Types of venture capital
1. single-tier approach, which places a venture capital firm in the two functions at the same time as donor financing and as a management aid or fund management.
2. two tier approach, which allows a company's business partners to receive pembiayan assistance and management assistance from venture capital firms are different.
3. leverage venture capital venture capital is sourced from a venture capital firm with a majority of union funds in the form of agreement from many parties.
4. namely equity venture capital venture capital from venture capital firm with most of the collection of funds in their own capital in various forms.
5. private venture capital company that is venture capital firm that has not go public or sell its shares through the stock exchange.
6. public venture capital company that is venture capital firms that already go public or sell through the stock exchange sahmnya.
7. affiliate bank venture capital company
8. conglomerate venture capital company
Selasa, 22 Desember 2009
Senin, 21 Desember 2009
The difference with the conventional Islamic insurance
Islamic Banking Insurance
Islamic Insurance is a system where the participants / members / participants donate / granting part or all of the contributions that will be used to pay the claim, if the case of natural disasters experienced by some participants / members / participants. The role here was limited to companies managing the insurance operations and investments of dana-dana/kontribusi received / delegated to the company.
Shariah insurance referred to as a means insurance ta'awun please help or mutual help. Therefore we can say that insurance is essentially ta'awun basic principles of the Shari'a are mutually tolerant of fellow human beings to build togetherness in disaster relief experienced by the participants.
The difference with the conventional Islamic insurance
There are seven fundamental difference between Islamic insurance with conventional insurance.
The differences are:
1. Shariah insurance has a Shariah Supervisory Board (SSB) which oversee betugas marketed products and the management of investment funds. Shariah Supervisory Board is not found in conventional insurance.
2. Akad conducted based on Shariah insurance please help. Whereas conventional insurance based on selling
3. Investment funds based on Shariah insurance for the results (mudaraba). While in conventional insurance using interest (usury) as the basis for the calculation of investment
4. Ownership of funds in Shariah insurance is the right participants. Company only as a holder of trust to manage it. In the conventional insurance, funds collected from customers (premium) to be owned by the company. Thus, companies are free to choose their investment allocation.
5. In the mechanism, the insurance does not recognize Shariah as the funds have sunk to the conventional insurance. If the participants during the contract can not continue to pay premiums and want to resign before the reversing period, which included the funds can be taken back, except for some small funds that had been intended to tabarru '.
6. Payment of insurance claims taken from the fund Shariah tabarru '(benevolence funds) all participants who had early stage that there diikhlaskan funds will be used as helping fund among participants case of natural disasters. While in conventional insurance claim payment to be taken from company funds accounts.
7. Profit sharing in Shariah insurance is divided between the participating companies in accordance with the principle of proportion to the results that have been determined. While in conventional insurance all profits belong to the company.
Islamic Insurance is a system where the participants / members / participants donate / granting part or all of the contributions that will be used to pay the claim, if the case of natural disasters experienced by some participants / members / participants. The role here was limited to companies managing the insurance operations and investments of dana-dana/kontribusi received / delegated to the company.
Shariah insurance referred to as a means insurance ta'awun please help or mutual help. Therefore we can say that insurance is essentially ta'awun basic principles of the Shari'a are mutually tolerant of fellow human beings to build togetherness in disaster relief experienced by the participants.
The difference with the conventional Islamic insurance
There are seven fundamental difference between Islamic insurance with conventional insurance.
The differences are:
1. Shariah insurance has a Shariah Supervisory Board (SSB) which oversee betugas marketed products and the management of investment funds. Shariah Supervisory Board is not found in conventional insurance.
2. Akad conducted based on Shariah insurance please help. Whereas conventional insurance based on selling
3. Investment funds based on Shariah insurance for the results (mudaraba). While in conventional insurance using interest (usury) as the basis for the calculation of investment
4. Ownership of funds in Shariah insurance is the right participants. Company only as a holder of trust to manage it. In the conventional insurance, funds collected from customers (premium) to be owned by the company. Thus, companies are free to choose their investment allocation.
5. In the mechanism, the insurance does not recognize Shariah as the funds have sunk to the conventional insurance. If the participants during the contract can not continue to pay premiums and want to resign before the reversing period, which included the funds can be taken back, except for some small funds that had been intended to tabarru '.
6. Payment of insurance claims taken from the fund Shariah tabarru '(benevolence funds) all participants who had early stage that there diikhlaskan funds will be used as helping fund among participants case of natural disasters. While in conventional insurance claim payment to be taken from company funds accounts.
7. Profit sharing in Shariah insurance is divided between the participating companies in accordance with the principle of proportion to the results that have been determined. While in conventional insurance all profits belong to the company.
Business Activities of Islamic Banks
Business Activities of Islamic Banks
1. Hiwalah
transfer of customer accounts receivable covenant (muhil) to the bank (muhal'muhil) from other customers (muhal).
2. Ijarah
covenant of the lease of goods between the bank (Muaajir) with tenants (Mustajir) after the end of the lease rental items returned to Muaajir.
3. Ijarah Wa Iqtina
covenant of the lease between tenant premises banks followed the promise that at the time of the specified property rented to the tenant will move.
4. Istishna
akad sale of goods (Mashnu ') between buyer (Mustashni') with a orders recipient (Shani).
5. Kafalah
covenant granting of guarantees (Makful alaih) provided one party to another party where the guarantor (kafiil) is responsible for repayment of a debt that is due to security recipients (Makful).
6. Mudharaba
covenant between the owners of capital (Shahibul Maal) with managers (mudarib) to earn revenue or profits.
7. Murabaha
covenant between the bank's sale to customers.
8. Musharaka
covenant of cooperation joint venture between two parties or more owners of capital to finance a business type of lawful and productive.
9. Qard
akad loans from banks (Muqridh) to certain parties (Muqtaridh) which must be returned with the same amount as loan.
10. Qard ul-Hassan Al
akad loans from banks to certain parties to the social goals must be returned with the same amount as loan.
11. Al Rahn
delivery akad property (Marhun) and client (Rahin) to the bank (Murtahin) as collateral for some or all debts.
12. Sharf
akad trading currency with other currencies.
13. Ujr
rewards given or asked for a job done.
14. Wadiah
akad care goods or money between parties who have goods or money to the party entrusted with the aim of maintaining safety, security, and integrity of goods or money.
1. Hiwalah
transfer of customer accounts receivable covenant (muhil) to the bank (muhal'muhil) from other customers (muhal).
2. Ijarah
covenant of the lease of goods between the bank (Muaajir) with tenants (Mustajir) after the end of the lease rental items returned to Muaajir.
3. Ijarah Wa Iqtina
covenant of the lease between tenant premises banks followed the promise that at the time of the specified property rented to the tenant will move.
4. Istishna
akad sale of goods (Mashnu ') between buyer (Mustashni') with a orders recipient (Shani).
5. Kafalah
covenant granting of guarantees (Makful alaih) provided one party to another party where the guarantor (kafiil) is responsible for repayment of a debt that is due to security recipients (Makful).
6. Mudharaba
covenant between the owners of capital (Shahibul Maal) with managers (mudarib) to earn revenue or profits.
7. Murabaha
covenant between the bank's sale to customers.
8. Musharaka
covenant of cooperation joint venture between two parties or more owners of capital to finance a business type of lawful and productive.
9. Qard
akad loans from banks (Muqridh) to certain parties (Muqtaridh) which must be returned with the same amount as loan.
10. Qard ul-Hassan Al
akad loans from banks to certain parties to the social goals must be returned with the same amount as loan.
11. Al Rahn
delivery akad property (Marhun) and client (Rahin) to the bank (Murtahin) as collateral for some or all debts.
12. Sharf
akad trading currency with other currencies.
13. Ujr
rewards given or asked for a job done.
14. Wadiah
akad care goods or money between parties who have goods or money to the party entrusted with the aim of maintaining safety, security, and integrity of goods or money.
Types and Benefits of Bank Guarantees
Types and Benefits of Bank Guarantees
Types of bank guarantees and benefits are basically in accordance with the type and function of agreements guarantee bank guarantee in the agreement. some types of existing bank guarantees, among others:
1. Bank guarantee purchases
bank guarantees given to the supplier / manufacturer as a guarantee of payment for the purchase of goods by the customer or guaranteed by the bank.
2. Bank guarantees tobacco excise ribbon
given to the customs office as a guarantee of payment of tobacco customs tape on cigarettes sold by the cigarette manufacturers.
3. Bank guarantees suspension of import duties
given to the customs office as a guarantee of payment of import duty on goods released from the port's customers.
4. Bank guarantees tender
given to the project owner for the benefit of contractors or suppliers who will participate in a tender for a project.
5. Bank guarantees implementation
given to the project owner for the benefit of the contractor or supplier to ensure the implementation of work / projects by contractors.
6. Bank deposit guarantee
given to the project owner for the benefit of the contractor or supplier of cash advances received by the contractor.
7. Bank guarantees maintenance
given to the project owner for the benefit of the contractor or supplier to ensure the maintenance of the project has been completed by the contractor.
Types of bank guarantees and benefits are basically in accordance with the type and function of agreements guarantee bank guarantee in the agreement. some types of existing bank guarantees, among others:
1. Bank guarantee purchases
bank guarantees given to the supplier / manufacturer as a guarantee of payment for the purchase of goods by the customer or guaranteed by the bank.
2. Bank guarantees tobacco excise ribbon
given to the customs office as a guarantee of payment of tobacco customs tape on cigarettes sold by the cigarette manufacturers.
3. Bank guarantees suspension of import duties
given to the customs office as a guarantee of payment of import duty on goods released from the port's customers.
4. Bank guarantees tender
given to the project owner for the benefit of contractors or suppliers who will participate in a tender for a project.
5. Bank guarantees implementation
given to the project owner for the benefit of the contractor or supplier to ensure the implementation of work / projects by contractors.
6. Bank deposit guarantee
given to the project owner for the benefit of the contractor or supplier of cash advances received by the contractor.
7. Bank guarantees maintenance
given to the project owner for the benefit of the contractor or supplier to ensure the maintenance of the project has been completed by the contractor.
The Types of Credit on The Basis of Intended Use of
The Types of Credit on The Basis of Intended Use of
1. Working Capital Loans (WCL)
WCL is the credit used to meet working capital financing needs of customers. There are two kinds of working capital loans: WCL-Revolving and WCL-Einmaleg.
2. Investment Credit
investment credit is the credit used for the procurement of long-term capital goods to customer's business activities. investment credit is usually medium or long term due to the relatively large value and how to repayment by the borrowers through installments.
3. Consumer Credit
consumption credit is a loan that is used in the context of procurement of goods or services for consumption purposes, and not as capital goods in the customer's business activities. This type of credit is often given names are usually multipurpose loans, which means can be used to various purposes by the customer.
1. Working Capital Loans (WCL)
WCL is the credit used to meet working capital financing needs of customers. There are two kinds of working capital loans: WCL-Revolving and WCL-Einmaleg.
2. Investment Credit
investment credit is the credit used for the procurement of long-term capital goods to customer's business activities. investment credit is usually medium or long term due to the relatively large value and how to repayment by the borrowers through installments.
3. Consumer Credit
consumption credit is a loan that is used in the context of procurement of goods or services for consumption purposes, and not as capital goods in the customer's business activities. This type of credit is often given names are usually multipurpose loans, which means can be used to various purposes by the customer.
Cash Loans From Banks
Cash Loans From Banks
lending is one form of business that can be done by a bank. credit is the provision of money or bills that can be equated with that, by agreement or approval of borrowing and lending between banks by another party that requires the borrower to repay the debt after a certain period by giving flowers.
Consideration in the granting of loans banks are the things as follows:
1. licensing and legality
forms of licensing and legal aspects that must be met debtor varies depending on the field of activity or business customers.
2. characters
to assess the character of a customer and predict behavior in the future banks can only use a few indicators such as profession, appearance, social environment, experiences, and actions or behaviors in the past.
3. experience and management
experiences that are not in accordance with field activities will reduce the customer's business performance. management of business customers who are not in accordance with the requirements will also reduce the customer's performance.
4. technical skills
customers regarding the technical capabilities of factors that can support the smooth running of business activities in a technical customer.
5. marketing
If the customer can not sell their products, customers will have difficult to meet its obligations to the bank.
6. social
existence of activities funded banks will take a little more specific impacts to the community.
7. financial
healthy and unhealthy state of a customer can be seen one of them through their financial circumstances, and the customer's financial condition was can be seen from the financial reports.
8. collateral
anticipation of the possible breakdown of the fulfillment of obligations by the customer is the delivery of collateral obligations before funds are provided to customers.
lending is one form of business that can be done by a bank. credit is the provision of money or bills that can be equated with that, by agreement or approval of borrowing and lending between banks by another party that requires the borrower to repay the debt after a certain period by giving flowers.
Consideration in the granting of loans banks are the things as follows:
1. licensing and legality
forms of licensing and legal aspects that must be met debtor varies depending on the field of activity or business customers.
2. characters
to assess the character of a customer and predict behavior in the future banks can only use a few indicators such as profession, appearance, social environment, experiences, and actions or behaviors in the past.
3. experience and management
experiences that are not in accordance with field activities will reduce the customer's business performance. management of business customers who are not in accordance with the requirements will also reduce the customer's performance.
4. technical skills
customers regarding the technical capabilities of factors that can support the smooth running of business activities in a technical customer.
5. marketing
If the customer can not sell their products, customers will have difficult to meet its obligations to the bank.
6. social
existence of activities funded banks will take a little more specific impacts to the community.
7. financial
healthy and unhealthy state of a customer can be seen one of them through their financial circumstances, and the customer's financial condition was can be seen from the financial reports.
8. collateral
anticipation of the possible breakdown of the fulfillment of obligations by the customer is the delivery of collateral obligations before funds are provided to customers.
Minggu, 20 Desember 2009
The types of banks and their activities
The types of banks and their activities
a. banks
1. collects funds from the public in the form of deposits
2. give credit
3. issuing debt
4. buy, sell or guarantees for the risk itself or to the interests and on the orders of its customers.
5. move good money for their own benefit or for the benefit of customers.
6. placing funds, borrowed funds from, or placing of the other party, either by using the mail or telecommunications facilities with sight draft, checks and other means.
7. receive a bill for payment of securities.
8. provide a place to store goods and securities.
9. conduct activities factoring, effort credit card and activities trustees.
10. care activities for the benefit of another piahk based on a contract.
b. people's credit banks
1. collects funds from the public in the form of savings deposits, savings and other
2. give credit
3. provide financing and placement of funds based on sharia principles in accordance with the provisions stipulated by Bank Indonesia
4. placing funds in Bank Indonesia certificates, time deposits, or savings account with another bank.
a. banks
1. collects funds from the public in the form of deposits
2. give credit
3. issuing debt
4. buy, sell or guarantees for the risk itself or to the interests and on the orders of its customers.
5. move good money for their own benefit or for the benefit of customers.
6. placing funds, borrowed funds from, or placing of the other party, either by using the mail or telecommunications facilities with sight draft, checks and other means.
7. receive a bill for payment of securities.
8. provide a place to store goods and securities.
9. conduct activities factoring, effort credit card and activities trustees.
10. care activities for the benefit of another piahk based on a contract.
b. people's credit banks
1. collects funds from the public in the form of savings deposits, savings and other
2. give credit
3. provide financing and placement of funds based on sharia principles in accordance with the provisions stipulated by Bank Indonesia
4. placing funds in Bank Indonesia certificates, time deposits, or savings account with another bank.
Health Assessment Bank
Health Assessment Bank
The bank's health can be defined as the ability of a bank to conduct banking activities in a normal operational and able to meet all its obligations properly, in a manner consistent with applicable banking regulations.
Bank soundness assessment includes an assessment of Camels factors consisting of:
1. Capital
2. Asset quality
3. Management
4. Profitability
5. Liquidity
6. Sensitivity to market risk
The bank's health can be defined as the ability of a bank to conduct banking activities in a normal operational and able to meet all its obligations properly, in a manner consistent with applicable banking regulations.
Bank soundness assessment includes an assessment of Camels factors consisting of:
1. Capital
2. Asset quality
3. Management
4. Profitability
5. Liquidity
6. Sensitivity to market risk
Jumat, 18 Desember 2009
functions and role of banks and other financial institutions
Functions and role of banks and other financial institutions
Bank functions
1. institutions that are the foundation of trust
2. institutions to mobilize funds for economic development
3. intermediaries in the financial sector
The role of banks
1. transfer funds
2. providing ease of transaction
3. liquidity management
4. efficiency of each unit
Function of other financial institutions
1. institution that connects the surplus units and deficit units
2. ready to be mobilized funds from surplus units to deficit units
Bank functions
1. institutions that are the foundation of trust
2. institutions to mobilize funds for economic development
3. intermediaries in the financial sector
The role of banks
1. transfer funds
2. providing ease of transaction
3. liquidity management
4. efficiency of each unit
Function of other financial institutions
1. institution that connects the surplus units and deficit units
2. ready to be mobilized funds from surplus units to deficit units
The role of money
The role of money
As a means of exchange
Instrument used for measuring the value
Standard means of payment in the future
Means to store wealth or tools to be used as purchasing power
Conditions as the money is
Can be accepted by the public
Stable value
Sufficient numbers
Easy to carry anywhere
Durable and durable
Classification of money is
Money in the form of giral
Money in the form of deposits
As a means of exchange
Instrument used for measuring the value
Standard means of payment in the future
Means to store wealth or tools to be used as purchasing power
Conditions as the money is
Can be accepted by the public
Stable value
Sufficient numbers
Easy to carry anywhere
Durable and durable
Classification of money is
Money in the form of giral
Money in the form of deposits
History of the development bank
History of the development bank
Banking history has started from the time of Babylon, Greece and Rome. initially banking practices of the exchange of money, gradually developed into a business to accept savings, deposit or lend money with interest fee.
In the modern era started from England, Holland, and Belgium. with the introduction of the term Goldsmith's note. term storage is evidence of gold deposits is indicated by a letter.
At the beginning of the modern era of credit arrangements are divided into three loan sales, loan money orders and the sea. This is now the main problem that emerged in the banking practice is the financial system related to the mechanism of determining the volume of money circulating in the economy.
Banking history has started from the time of Babylon, Greece and Rome. initially banking practices of the exchange of money, gradually developed into a business to accept savings, deposit or lend money with interest fee.
In the modern era started from England, Holland, and Belgium. with the introduction of the term Goldsmith's note. term storage is evidence of gold deposits is indicated by a letter.
At the beginning of the modern era of credit arrangements are divided into three loan sales, loan money orders and the sea. This is now the main problem that emerged in the banking practice is the financial system related to the mechanism of determining the volume of money circulating in the economy.
Langganan:
Postingan (Atom)
.jpg)