Selasa, 23 Juni 2009

THE SERVICE

Haji Portion Bailout. The Hajj pilgrim can propose funding for hajj with the requirement of paying administration fund of Rp. 1,500,000,-, opening arofah account of Rp. 1,100,000,-, ATM sharE of Rp. 500,000,-, Assakinah saving account of Rp. 375,000,-, and "materai" stamp of Rp. 25,000,-. The amount of maximum funding is Rp. 19,000,000,-. It is to be refunded in a year with the amount of the primary amount (qordh)

Qordh Funding is intended for UKM with the amount of Rp. 500,000,- to Rp. 1,000,000,- and for sick people/ poeple who gets accident with maximum amount of Rp. 3,000,000,- and it is paid for 10 months with the amount the same as teh primary amount without giving the result division. The source of the fund is from Qordh fund of Bank Muamalat.

Mudharabah Funding is the funding for business with the system of result division of 50%:50%. For the mean time, it is intended for students who do credit refill business.

Murabahah Funding/buy and sell is where kopsyah serves the order from various things needed by customer and kopsyah will buy and pay cash to vendor, while the customer can pay to kopsyah maximally for three years. Thus, Kopsyah has gain administration and margnial benefit. The funding that is done is to buy: computer, printer, laptop, handphone, house construction and renovation material, etc, with the total amount of Rp. 600,000,000,-

Wadiah is an activity done by customer by saving an amount of money that can be withdrawn anytime.

Saving: assakinah, hikmah, qurban, idul fitri, etc.

Infaq, shodaqoh and zakat (alms): receive infaq, shodaqoh, and zakat (alms)

Muamalah club is syirkah for alumni with the early saving of Rp. 100,000,-.

Syirkah for students in which students can invest of Rp. 10,000,- and will get result division.

Graduation Saving is a saving account for students that can only be withdrawn when the graduation ceremony begins. The minimum saving account is Rp. 10,000,-.

Credit

THE COMMITTEE AND ORGANISATOR


As a requirement to fulfill the cooperative building rules, Kopsyah has committee as follows:

Head: Dra. Fien Zulfikarijah, MM., Secretary: Luluk Asmawati, S.Pd. -, Treasurer: Villaningrum, SE.. , Observer: Hj. Komariah, SH. Msi. Mhum., DR. Lili Zalizar, drh., MS., Juniar Endrawanto, SE., Organisator: Dra. Fien Zulfikarijah, MM. Irwan Sa’ban (Manajer and Account officer) and Uswatun Hasanah (worksheet)

VISSION AND MISSION


Vission : Implement Islam Economic Practice in campus area

Mission : a) Make the Financial Institute - syaria based similar to bank

b) Make it into the center of training, research, and service for people in academical environment.

c) Serve competent people who are ready to enter the work world.

d) Make it into the top of holding network with company.


ACKNOWLEDGEMENT

The fact shows that Indonesian people who are almost 80% moslem are still in back line in terms of economical problem. This results in a question: What is going on? We often talk, discuss, and have debate on Islam economical problems only as a view, while practically, we often neglect those problems.

Islam economy is one of ways to fulfill the needs of someone or a group which is based on: hajat needs, halal, thayyib, fair, and sincere (al-Jawziyyah:14), merit of Allah, wealth and wisdom. The basic of syaria is wisdom and benefit of human in the world and Hereafter.

Islam Economy as a logical consequence from the perfection of Islam must be trusted in kafah way and comprehensive by moslem.

Viewing on the lesson of Islam, that is implementing Islam economical concept in economical activity has proven to be able to save the economy, human being, and able to guide human in a fair justice.

According to Badrun (2007;36) distribute justice is the fair requirement on opportunity and social justice. Therefore, moslems should not do any economical activity which is completely different from Islam lesson.

So, What happens with the banking that has become a part in Indonesia Moslem Economical Activity? In accordance with MUI fatwa on 16 December 2003 that states that bank interest rate practice has become riba (interest), so it is the time for Moslem to move to Islam Bank.

The Sharia Banking asset in East Java towards the common bank is still low. Until December 2007, it still reached 1.33%. While the Sharia Banking Asses towards national is 6.12% (Kompas 20/2/08). Are we in the group of 1.33% in East Java or 6.12% in Indonesia? Hopefully we are, Amien.

As a responsive action and follow up of working program of Aisyiyah Economic Assembly which has been decided by Central Aisyiyah, basically directs to the building of institute that facilitates the economical activities in Aisyiyah members with the aim of moslem economy development, Aisyiyah Economic Assembly, special branch of UMM has owned Sharia Cooperative-legal institution based with one of the units is sharia micro finance institute of Baitul Syirkah Assakinah (BSA).