Teknis Pendirian Perbankan Syariah di Indonesia

Syariah banking as an important component of banking law in Indonesia is currently experiencing rapid growth. The existence of Shariah banking is expected to help solve various problems in Indonesia, especially poverty. In the midst of its development, Shariah banking has not been able to handle the market share where the majority of the market share comes from people from the middle class. In addition, the education and socialization of Shariah banking is insufficient, so there is a diversity of public perceptions regarding Shariah banking. Pros and cons occur in society regarding the establishment of Sharia banks, where the benefits of Sharia banking are enormous, both in the economic world and in the future. This research uses literature review. Review using a qualitative approach. Primary data sources in this research were obtained from observations or research observations on problems that occur with Sharia banking management. Meanwhile, secondary data was obtained from good literature and books, journals and other sources related to current materials.

Synthesis and Characterization of Cobalt Ferrite Nanostructures

Coprecipitation method was used to prepare pure and doped CoFe 2 O 4 nanoparticles. Ferric and cobalt salts were used as precursors while oleic acid was used as surfactant. X- ray Diffraction and Transmission Electron Microscopy analysis confirmed single phase of nanoparticles with particle size ~20 nm. Electron transport in CoFe 2 O 4 nanoparticles was investigated using impedance spectroscopy from 300 K to 400 K over wide frequency range (20 Hz - 2 MHz). Impedance spectroscopy of CoFe 2 O 4 nanoparticles revealed a semiconductor to metal transition at ~330 K. The semiconductor to metal transition was attributed to existence of mixed valance states of Fe cations, reverse cation distribution among octahedral and tetrahedral sites and various types of interactions between these cations. Variation of exponent “s” with temperature suggested that overlapping large polaron tunneling was the dominant conduction mechanism in cobalt ferrite nanoparticles. The Mössbauer spectroscopy demonstrated the mixed inverse spinel structure of the CoFe 2 O 4 nanoparticles. X-ray Photoelectron Spectroscopy analysis was carried out to study the oxidation states and environment of Fe and Co cations. Electrical properties of Sn 2+ and La 3+ doped CoFe 2 O 4 nanoparticles were studied in detail. The change in dielectric constant and ac conductivity of CoFe 2 O 4 nanoparticles were observed with dopant concentration. The temperature induced delocalization of charge carriers and metallic phase in Co 0.6 Sn 0.4 Fe 2 O 4 nanoparticles was explained using M(H) loops and impedance spectroscopy. Metallic nature of Co 0.6 Sn 0.4 Fe 2 O 4 nanoparticles above 360 K was attributed to dominancy of delocalized charge carriers Fe 3+ –Fe 2+ /Co 3+ – Co 2+ interactions over localized charge carriers Fe 3+ –O 2− –Fe 3+ /Co 2+ –O 2− –Co 2+ interactions. This was suggested that the wasp - waist magnetic hysteresis loop was due to simultaneous existence of ferromagnetic and antiferromagnetic domains in the system. The M(H) loops of Co 0.6 Sn 0.4 Fe 2 O 4 nanoparticles indicated that at lower temperatures the superexchange interaction was dominant as compared to double exchange interaction while at higher temperatures double exchange interaction becomes more strong. The open M(H) loops of Co 0.6 Sn 0.4 Fe 2 O 4 nanoparticles indicated the absence of magnetic saturation. The temperature dependent electrical behavior of the grain boundaries was reported and discussed in terms of depletion space-charge layer in the vicinity of grain boundaries.