Thursday, 18 July 2013

Random Reflection

Frankly, I got some thoughts that screws around in my mind lately. Most of them are random, but who cares, there is no mistake when you speak up your ideas or give statements. Here we go,
  1. I saw most of my classmates in M*DP class are religious, they read Al Quran fluently, moreover two of them have graduated from Al A*har University, Cairo, Egypt. We are in Islamic Bank, and we do religious things everyday during the class, we do morning pray, recite Al Quran, teaching Islamic's things, so on.  But, sadly, contrary, all of them cheat while examination except Mbak Tika from sharia compliance division.  They do everything just to pursue the higher score. Yes, only on surface.
  2. Business entities, banks included,  are profit oriented, whether Islamic or Conventional, utmost use all of tricks, sometimes dirty, to gain revenue. It tends to be worst. Believe me or not, I got some evidences.
  3. In Indonesia especially, science has a little space in business entity, moreover science has a long gap to be applicable in business. We are not welcome and familiar to complicated things called science but worth it. Paper only a paper. We need a bridge to connect and across the gap. I have been trying in my field, i give all my oxygen.
  4. Personally, I wondering why I still in hard liquidity even I have been work for 5 months. I guess, it is long transition from study period, or it is because my sister needs a huge amount of money in first class of senior high school. Hopefully it ends this month. :D    
  5. I think we live in a world of problems, we will always face it. I pointed in how we face it, that will determine who we are, mature, childish or ababil (just kidding). :D . Problems are the real learning institution.
Done for today, but I still have a lot in my arsenal. Those words are for me, the reflection of mine(d).

Wednesday, 10 July 2013

1st Ramadhan 1434 H

Boost up your ramadhan energy. If you usually do in a hundred percents of your energy, then raise it up to double. Imagine the reward, a huge merit, you won't got it in the other months, and who knows you will meet it holly month. Fulfill it, colour it, embrace it, grab it!!


Saturday, 15 June 2013

There Is No Free Lunch In This World

      Perhaps, everything has its own value, especially time value. Imagine that you have some money in this moment, and it has been expected to growth in the future time, some like bank deposit.  Besides, a value of things in the future time, it contains some risks, may be you can buy a car right now with its value, but who knows in future, may be it is not valuable as now. Or , if you have an apple now, then what will happen a week after. Or, if you invest to the stock market, then how much it will grow.  My words are messy right?:D.

    More over the value of time its self, no one could pricing its value. We have already known about that fact, about how precious time is, but most of us (especially me) don't and don't want realize. The perfect example is me :D. I used to plan for each day in early morning, but I never accomplish the whole plan through the day.
This is an example of my plan :


And I have to pay the cost. Currently, I should have been studying abroad in Europe, travelling around Holland, German, UK so on, playing snow balls, learning about the culture,  soooo ooooon, and the most,experiencing of living in Europe. Can you imagine the feeling? Awesome!. Such a kind of great, great, great joy.




Briefly, there are many things I want to write, but I have another duty. But this is the conclusion : there is no free lunch in this world. Everything we did, it cost some value. Depend on what we do, we will earn some return or loss out.


Friday, 14 June 2013

Debrief Operation Muamalat Officer Development Program

      Indeed, it was one of the most valuable experience I have got it. Debrief operation, semacam pendadaran dengan penguji tiga orang manajer operasional, baik dari kantor pusat (Jakarta Main Branch)  maupun dari berbagai kantor cabang di seluruh Indonesia. Skemanya mirip dengan pendadaran (sidang) bachelor thesis, kami diberi waktu 10 menit untuk preentasi setelah itu dibantai kering selama 2 jam dengan pertanyaan-pertanyaan dari debriefer. Bedanya, kami bukan mempertahankan hasil penelitian atau tulisan kami, namun kami diuji pengetahuan kami tentang operasional bank syariah.

Suasana Debrief Operation

       Yap, di sini kami diuji mengenai operasional bank syariah, jeroan bank, full dari depan sampai belakang, dari Teller, Customer Service (CS), Back Office sampai Unit Support Pembiayaan (USP). Kami sudah belajar 2.5 bulan mengenai perbankan syariah mulai dari fiqh, konsep, jenis-jenis akad, akuntansi dasar dan akuntansi syariah, operasional tiap bagian dan seterusnya, dari mulai teori dikelas sampai melihat proses secara langsung di kantor-kantor cabang. Pusing pokoknya (curcol :D), semacam file 500 Gb dimasukin ke kepala tanpa terlebih dahulu diformat, belum lagi over capacity. Ditambah lagi kami dilempar ke cabang-cabang di Jawa dan Sumatera dengan pesawat Singa Udara (read in english), feels like earthquake on the clouds.
Briefly, I have past it in such a good way (standard but without remedy :D). 

Suasana disalah satu kantor cabang
........to be continue

Sunday, 9 June 2013

SARLOG Part 2

Nah sekarang balik lagi ke Sarlog ya, untuk pembukuan UM dan BAD (Yadib)...bentar lagi (6 jam 15 menit) ada Debrief di kantor pusat sih, jadi harus belajar tuntas.
UM merupakan pembukuan terhadap transaksi yang penyelesaianya akan dilakukan kemudian dan nominal transaksi belum diketahui dengan pasti.
Misalkan Kantor cabang ingin membeli PC sebanyak 1 unit dengan perkiraan harga sebesar 5.000.000. Berikut pembukuaanya :

D. UM         5.000.000
K. Rek BO  5.000.000

Ternyata harga komputer sebesar 4.500.000, berikut pembukuannya,

D. Persediaan Komputer               4.500.000
D. Pendapatan Non Operasional      500.000
K. UM                                          5.000.000

Dropping (OP)

Dropping  merupakan salah satu istilah yang sering digunakan di dunia perbankan. Dropping dapat didefinisikan sebagai proses pencairan dana pembiayaan. Bagian yang bertanggung jawab terhadap proses dropping adalah bagaian OP.
Berikut proses dropping di bank kami :
OP menerima berkas-berkas dropping dari bagian USPD, yakni berupa :

  • Memmorandum Dropping.
  • Offering Letter.
  • Usulan Pembiayaan.
  • Jadwal Angsur.
  • Surat Kuasa Debet a.k.a SKD .
  • Covernote Notaris.
  • Kuitansi Notaris.
SKD terdiri atas kuasa debet untuk : biaya administrasi, notaris, taksasi dan materai.
Selanjutnya disajikan contoh pembukuan dropping pembiayaan dengan akad Murabahah sebagai berikut :
Misalkan plafond pembiayaan sebesar 1.000.000, dengan margin 2.00.000.

D. Piutang Murabahah Non bank
K. Persediaan Murabahah
K. margin Murabahah Ditangguhkan a.k.a MMD

Misalkan angsuran bulanan sebesar 100.000, pada saat angsuran dibukukan

D. Rek Nasabah
K. Piutang Murabahah
D. MMD
K. Pendapatan Murabahah Non Bank

Misalkan nasabah menunggak, (kolektibilitas 2, 1- 90 hari), dilakukan pembukuan

D. Piutang Murabahah Non Bank
K. Piutang Murabahah JT Non Bank
D. MMD
K. Pendapatan Murabahah Akru