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HALAL INDUSTRY IN INDONESIA: ROLE OF SHARIA FINANCIAL INSTITUTIONS IN DRIVING INDUSTRIAL AND HALAL ECOSYSTEM 印尼的清真产业:伊斯兰教法金融机构在推动工业和清真生态系统中的作用
Pub Date : 2019-11-21 DOI: 10.15408/aiq.v11i1.10221
M. Rachman
Halal market has emerged as a sector of new development and creating market potential in the global economy. Sharia Financial Institutions (SFI) has an important role as an intermediation between unit deficits and surpluses in the economy with sharia principles. As the development of halal products and industries make SFI have an important role in encouraging the growth, literacy and potential of the halal industry. In this paper we will present the ideas and roles of SFI in encouraging the potential of halal industry in Indonesia. The purpose of writing this paper is to provide an overview of the potential, prospects and literacy of the halal industry in Indonesia; and provide an overview and idea of the role of SFI sector in encouraging halal ecosystems and industries.Keywords: Islamic Financial Institutions, Halal Industry, Halal Ecosystem
清真市场已经成为一个新的发展领域,在全球经济中创造了市场潜力。伊斯兰教法金融机构(SFI)在符合伊斯兰教法原则的经济中,作为单位赤字和盈余之间的中介,发挥着重要作用。随着清真产品和行业的发展,SFI在鼓励清真行业的增长、识字和潜力方面发挥着重要作用。在本文中,我们将介绍SFI在鼓励印尼清真产业潜力方面的想法和作用。撰写本文的目的是概述印尼清真产业的潜力、前景和识字率;并提供了SFI部门在鼓励清真生态系统和产业方面的作用的概述和想法。关键词:伊斯兰金融机构、清真产业、清真生态系统
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引用次数: 11
ISLAMIC MUTUAL FUNDS PROMOTIONAL ACTIVITIES: NORMAL APPROXIMATION OF BINOMIAL DISTRIBUTION AND TYPE I ERROR 伊斯兰共同基金促销活动:二项分布的正态近似和I型误差
Pub Date : 2019-11-21 DOI: 10.15408/aiq.v11i1.9592
Mohd Yaziz Bin Mohd Isa
The paper applies normal approximation procedure to binomial probability distribution. A sample of 392 respondents are surveyed whether they agree or not agree that promotional activities determined the level of awareness of benefits of Islamic mutual funds. The paper hypothesizes the population mean µ of success effects of promotional activities at 68%, and attempts to reduce Type I error - the probability of rejecting null hypothesis when it is true.
本文将正态近似方法应用于二项式概率分布。对392名受访者进行了抽样调查,无论他们是否同意宣传活动决定了人们对伊斯兰共同基金利益的认识水平。该论文假设促销活动的成功效果的总体平均值µ为68%,并试图减少I型误差——当零假设成立时拒绝零假设的概率。
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引用次数: 0
AAV9 Edits Muscle Stem Cells in Normal and Dystrophic Adult Mice. AAV9 可编辑正常小鼠和肌营养不良成年小鼠的肌肉干细胞
Pub Date : 2019-09-04 Epub Date: 2019-07-03 DOI: 10.1016/j.ymthe.2019.06.012
Michael E Nance, Ruicheng Shi, Chady H Hakim, Nalinda B Wasala, Yongping Yue, Xiufang Pan, Tracy Zhang, Carolyn A Robinson, Sean X Duan, Gang Yao, N Nora Yang, Shi-Jie Chen, Kathryn R Wagner, Charles A Gersbach, Dongsheng Duan

CRISPR editing of muscle stem cells (MuSCs) with adeno-associated virus serotype-9 (AAV9) holds promise for sustained gene repair therapy for muscular dystrophies. However, conflicting evidence exists on whether AAV9 transduces MuSCs. To rigorously address this question, we used a muscle graft model. The grafted muscle underwent complete necrosis before regenerating from its MuSCs. We injected AAV9.Cre into Ai14 mice. These mice express tdTomato upon Cre-mediated removal of a floxed stop codon. About 28%-47% and 24%-89% of Pax7+ MuSCs expressed tdTomato in pre-grafts and regenerated grafts (p > 0.05), respectively, suggesting AAV9 efficiently transduced MuSCs, and AAV9-edited MuSCs renewed successfully. Robust MuSC transduction was further confirmed by delivering AAV9.Cre to Pax7-ZsGreen-Ai14 mice in which Pax7+ MuSCs are genetically labeled by ZsGreen. Next, we co-injected AAV9.Cas9 and AAV9.gRNA to dystrophic mdx mice to repair the mutated dystrophin gene. CRISPR-treated and untreated muscles were grafted to immune-deficient, dystrophin-null NSG.mdx4cv mice. Grafts regenerated from CRISPR-treated muscle contained the edited genome and yielded 2.7-fold more dystrophin+ cells (p = 0.015). Importantly, increased dystrophin expression was not due to enhanced formation of revertant fibers or de novo transduction by residual CRISPR vectors in the graft. We conclude that AAV9 effectively transduces MuSCs. AAV9 CRISPR editing of MuSCs may provide enduring therapy.

用9号血清型腺相关病毒(AAV9)对肌肉干细胞(MuSCs)进行CRISPR编辑,有望实现肌肉萎缩症的持续基因修复疗法。然而,关于 AAV9 是否能转导肌肉干细胞的证据并不一致。为了严格解决这个问题,我们使用了肌肉移植模型。在肌肉干细胞再生之前,移植的肌肉已经完全坏死。我们将 AAV9.Cre 注入 Ai14 小鼠。这些小鼠在 Cre 介导下去除一个缺失的终止密码子后会表达 tdTomato。在移植物前和再生移植物中,分别约有 28%-47% 和 24%-89% 的 Pax7+ MuSCs 表达了 tdTomato(p > 0.05),这表明 AAV9 能有效地转导 MuSCs,并且 AAV9 编辑的 MuSCs 能成功更新。将AAV9.Cre注射到Pax7-ZsGreen-Ai14小鼠体内进一步证实了MuSC的稳健转导,在这种小鼠体内,Pax7+ MuSCs被ZsGreen基因标记。接下来,我们将 AAV9.Cas9 和 AAV9.gRNA 联合注射到肌营养不良 mdx 小鼠体内,以修复突变的肌营养蛋白基因。CRISPR处理过和未处理过的肌肉被移植到免疫缺陷、肌营养不良的NSG.mdx4cv小鼠身上。从经过 CRISPR 处理的肌肉中再生的移植物含有经过编辑的基因组,产生的肌营养不良症+细胞增加了 2.7 倍(p = 0.015)。重要的是,dystrophin 表达的增加并不是由于逆转纤维的形成增强或移植物中残留的 CRISPR 载体的重新转导所致。我们的结论是,AAV9 能有效转导 MuSCs。对MuSCs进行AAV9 CRISPR编辑可提供持久的治疗。
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引用次数: 47
Cover Vol. 10 (2), July 2018 《Cover》第10卷(2),2018年7月
Pub Date : 2018-07-01 DOI: 10.15408/aiq.v10i2.7996
Jurnal Al-Iqtishad
Cover Vol. 10 (2), July 2018
《Cover》第10卷(2),2018年7月
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引用次数: 0
Back Matter Vol. 10 (2), July 2018 Back Matter Vol. 10(2), 2018年7月
Pub Date : 2018-07-01 DOI: 10.15408/AIQ.V10I2.7999
Jurnal Al-Iqtishad
Back Matter Vol. 10 (2), July 2018
Back Matter Vol. 10 (2), July 2018
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引用次数: 0
Corrigendum / Erratum / Retraction 勘误表/勘误表/撤回
Pub Date : 2018-07-01 DOI: 10.15408/aiq.v10i2.7998
Jurnal Al-Iqtishad
Retraction to:Sukmana, R. (2018). Determinantf of Credit and Financing Risk: Evidence of Dual Banking System in Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics). Vol. 10 (1): 189-206. doi: 10.15408/aiq.v10i1.5903.This article has been retracted by the publisher based on the following reasonThis is based on the author's recognition to the editor that the author has committed acts of violation of publication ethics. The author has published a double publication by submitting the same article to two journals at the same time. The author admits that he forgot to have submitted the same article to another journal. This article also has published in the Journal of Islamic Financial Studies (Publisher: University of Bahrain) Vol. 3 (2), December 2017 (http://journals.uob.edu.bh/jifs/contents/volume-1115/articles/article-5448)This article has followed with the procedures that apply to journal management. The author has received the review results, and has improved the article according to the review result.One of the conditions of submission of a paper for publication in this journal is that authors declare explicitly that their work is original and has not appeared in a publication elsewhere, and also not considered by another journal. As such this article represents a severe abuse of the scientific publishing system. The scientific community takes a very strong view on this matter, and apologies are offered to readers of the journal that this was not detected during the submission process.
撤回:Sukmana,R.(2018)。信贷和融资风险的决定因素:印尼双重银行体系的证据。Al-Iqtishad:Jurnal Ilmu Ekonomi Syariah(伊斯兰经济学杂志)。第10卷(1):189-206。doi:10.15408/aiq.v10i1.5903。这篇文章已被出版商撤回,原因如下。这是基于作者向编辑承认作者有违反出版道德的行为。作者通过同时向两份期刊提交同一篇文章,发表了双重出版物。作者承认,他忘了把同一篇文章提交给另一家杂志。这篇文章也发表在《伊斯兰金融研究杂志》(出版商:巴林大学)第3卷(2),2017年12月(http://journals.uob.edu.bh/jifs/contents/volume-1115/articles/article-5448)本文遵循了适用于期刊管理的程序。作者收到了评审结果,并根据评审结果对文章进行了改进。提交论文在本期刊上发表的条件之一是,作者明确声明他们的作品是原创的,没有出现在其他地方的出版物上,也没有被其他期刊考虑。因此,这篇文章代表了对科学出版体系的严重滥用。科学界对此事持非常强烈的看法,并向该杂志的读者表示歉意,因为在提交过程中没有发现这一点。
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引用次数: 0
Front Matter Vol. 10 (2), July 2018 前沿问题第10卷(2),2018年7月
Pub Date : 2018-07-01 DOI: 10.15408/aiq.v10i2.7997
Jurnal Al-Iqtishad
Front Matter Vol. 10 (2), July 2018
Front Matter第10卷(2),2018年7月
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引用次数: 0
Asymmetric Information and Non-Performing Financing: Study in The Indonesian Islamic Banking Industry 信息不对称与不良融资:印尼伊斯兰银行业研究
Pub Date : 2018-05-10 DOI: 10.15408/aiq.v10i2.7392
A. Rodoni, B. Yaman
The purposes of this study are: First , to analyze the indications of moral hazard and adverse selection on Indonesian Islamic commercial banks. Second , to analyze the influence of moral hazard and adverse selection on the Non Performance Financing of Indonesian Islamic banks. Two methods were used for this purpose, a qualitative content analysis approach derived from the results of interviews with the banker from the Islamic commercial banks. Besides that this study also uses Error Correction Model (ECM), with data taken from these listed Islamic banking from 2010 to June 2016. The results show that the indications of moral hazard have a positive effect on the non-performing financing (NPF) in the short run. The indication of the presence of moral hazard occurs at the long run on GDP variable, and the allocation of Murabaha financing (RM) has a positive effect on the mudharabah (FM) profit and loss sharing. The test results also show that adverse selection that represented by the profit sharing rate (PSR) has a positive effect on the level of risk sharing toward non-performing financing (NPF) in the long run. DOI:  10.15408/aiq.v10i2.7392
本研究的目的是:首先,分析印尼伊斯兰商业银行的道德风险和逆向选择迹象。其次,分析道德风险和逆向选择对印尼伊斯兰银行不良融资的影响。为此使用了两种方法,一种是根据对伊斯兰商业银行银行家的采访结果得出的定性内容分析方法。此外,本研究还使用了误差校正模型(ECM),数据取自这些上市伊斯兰银行2010年至2016年6月的数据。研究结果表明,道德风险指标在短期内对不良融资有积极影响。道德风险存在的迹象发生在GDP变量的长期,Murabaha融资(RM)的分配对mudharabah(FM)损益分担有积极影响。测试结果还表明,从长远来看,以利润分担率(PSR)为代表的逆向选择对不良融资的风险分担水平有积极影响。DOI:10.15408/aiq.v0i2.7392
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引用次数: 9
A New Paradigm in Islamic Housing: Non-Bank Islamic Mortgage 伊斯兰住房的新范式:非银行伊斯兰抵押贷款
Pub Date : 2018-03-07 DOI: 10.15408/aiq.v10i2.7274
E. Firmansyah, A. Gunardi
An increasing demand for a sharia-compliant housing has resulted in a new initiative where the mortgage can presently be directly handled by the developer without involving the bank. This is called non-bank Islamic mortgage. This paper is aimed at portraying the consumer’s profile of non-bank Islamic mortgage and the issues of this practice. We disseminated questionnaires to the respondents in several cities in West Java who bought the house-using non-bank Islamic mortgage scheme. Subsequently, we synthesized the answers regarding their profiles and issues of the scheme for the betterment in the future. One of the issues of this scheme is the higher fraud because there is no rigorous credit scoring as conducted by the bank. The research of non-bank Islamic mortgage is still scant so this paper is expected to shed the light by contributing to the literature of Islamic home financing. DOI:  10.15408/aiq.v10i2.7274
对符合伊斯兰教法的住房的需求不断增加,这导致了一项新的举措,即目前可以由开发商直接处理抵押贷款,而无需银行介入。这被称为非银行伊斯兰抵押贷款。本文旨在描绘非银行伊斯兰抵押贷款的消费者形象以及这种做法的问题。我们向西爪哇几个城市的受访者发放了问卷,这些受访者使用非银行伊斯兰抵押贷款计划购买了这所房子。随后,我们综合了关于他们的概况和未来改善计划问题的答案。该计划的问题之一是欺诈率更高,因为银行没有进行严格的信用评分。对非银行伊斯兰抵押贷款的研究仍然很少,因此本文有望通过对伊斯兰住房融资文献的贡献来阐明这一点。DOI:10.15408/aiq.v0i2.7274
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引用次数: 8
Causal Relationship Between Islamic Bonds, Oil Price and Precious Metals: Evidence From Asia Pacific 伊斯兰债券、油价和贵金属的因果关系:来自亚太地区的证据
Pub Date : 2018-03-07 DOI: 10.15408/aiq.v10i2.7171
Metadjer Widad, Boulila Hadjer
Sukuk or Islamic bonds as new “Halal” securities had wildly expanded in Muslim and non-Muslim capital markets. So, this study aims to investigate the causal relationship between Islamic bonds (sukuk), oil and precious metals “silver and gold” prices in Asia pacific. This study used VAR model relying on daily data. The findings of Granger causality test and impulse-responses analysis results provide substantial evidence in favor of the relation between sukuk and the commodity market variables (oil, gold, and silver) meanwhile and unlike many empirical studies, don’t we have found that oil doesn’t cause changes in precious metals prices. Therefore, the idea that Islamic financial markets provide diversification benefits and they are safe havens during oil crisis cannot be supported empirically. DOI:  10.15408/aiq.v10i2.7171
伊斯兰债券作为一种新的“清真”证券,在穆斯林和非穆斯林资本市场上迅速扩张。因此,本研究旨在探讨亚太地区伊斯兰债券(sukuk)与石油及贵金属“白银和黄金”价格之间的因果关系。本研究采用基于日常数据的VAR模型。格兰杰因果检验和脉冲响应分析结果为支持伊斯兰债券与大宗商品市场变量(石油、黄金和白银)之间的关系提供了大量证据,同时,与许多实证研究不同的是,我们不是发现石油不会引起贵金属价格的变化吗?因此,伊斯兰金融市场在石油危机期间提供多元化利益和避风港的观点无法得到实证支持。DOI: 10.15408 / aiq.v10i2.7171
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引用次数: 7
期刊
AlIqtishad Jurnal Ilmu Ekonomi Syariah
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