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Jakarta (ANTARA) - Ekonom Universitas Padjadjaran Aldrin Herwany menilai merger bank syariah BUMN antara PT Bank BRIsyariah Tbk (BRIS), PT Bank Syariah Mandiri (BSM) dan PT Bank BNI Syariah (BNIS) akan memberikan efek berganda atau multiplier effect terhadap industri keuangan. "Jadi kalau bank syariah ini bisa optimal, maka ini akan mempunyai multiplier effect. Asuransi syariah berkembang, dana pensiun syariah berkembang, produk halal berkembang dan seterusnya.Jadi efeknya akan besar. Ini potensi, sangat-sangat potensi," ujar Aldryn dalam sebuah seminar daring di Jakarta, Senin. Proses penggabungan usaha ketiga bank syariah BUMN tersebut terus berjalan. Saat ini proses merger telah sampai pada tahap penandatanganan Akta Penggabungan, setelah masing-masing bank yang akan bergabung mendapat restu dari para pemegang saham melalui forum Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) untuk menuntaskan merger. Bank hasil penggabungan yang bernama Bank Syariah Indonesia itu nantinya ...

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Is it a Samsung warranty? The previous reviewer called Samsung and their rep said it isn't, but did their tech rep have correct information? HassleFreeCell says they provide a 90 day warranty. So I chatted with an Amazon rep, and he was quite clear, but did he know anything? You will have to judge. Here is his reply: You are now connected to Deepak from Amazon.com. Me:Concerning Samsung Galaxy Note GT-N7000 Unlocked Cellphone--US Warranty (Blue) What are the warranty details? Is this a Samsung warranty? Deepak :Hello, my name is Deepak. I'll be happy to help you. Me:OK Deepak :yes. it will be honored by the manufacturer. Me:Is it a one year warranty? Deepak :Yes. Me:That is all. thank you. Deepak :Thanks for visiting Amazon.com. We hope to see you again soon. Happy Holidays! Edit 1/12/2012 I noticed today that there seems to be an issue with this phone since price has jumped to $900 and there may be a 1-2 month delay on shipment. Maybe Amazon realized that they...

Samsung I9250 Galaxy Nexus 16GB Everyone needs to realize the price of this phone is average for a brand new phone that's unsubsidized. I paid this much for my Nexus One when it came out. You have an option here, either you can buy it from Verizon for $199.99 with a 2 year contract and only be able to use it on verizon (Not bad if you're already with verizon) however if you want to use this phone with AT&T or T-Mobile then you will have to buy the GSM unlocked version which is unsubsidized. Samsung I9250 Galaxy Nexus 16GB The benefit of this is you can use it on any carrier that has the correct bandwidths (Pretty much an GSM carrier) in any country. So if you're with AT&T now, you can buy the phone, have full data service but later if your decide to go to T-Mobile you can take your phone with you, exchange sim cards and ta-da...your phone works again, with full 4G data service on T-Mobile as well. Samsung I9250 Galaxy Nexus 16GB So, there's a...

Boost Mobile Blackberry Boost Mobile Blackberry Before I became a Boost user, I used to ask myself the question: "Can I use my Boost Mobile Blackberry as a modem for internet on my laptop?". The s hort answer is, yes. Using a telephone Internet capabilities is important for many people when choosing a phone service. The use of internet on mobile devices is only becoming more common and is not gone. Boost Mobile to bring your Blackberry as a modem should go a long way to help boost your life with a better service commitment. Here is an overview of how to boost your Blackberry as a modem. You may use any Boost Mobile Blackberry phone as a modem for your laptop, PC or Mac. The Blackberry phones offered by Boost is the Blackberry 8330 and Blackberry Curve 8530 by Boost Mobile - you can both boost phone as a modem for your laptop, PC or Mac.     This is HOT Product and Best-Selling Android phones 2012 tend to SELL OUT VERY FAST!!     If this is...

Straight Talk Cell Phones Straight Talk mobile phones are one of the many prepaid mobile phone deals currently on the market that many people are talking, literally. We have seen a change in recent years, the last two to be exact. This change took place in the way people talk on their mobile phones. To be more precise, the change has occurred in the way people pay for their mobile phones. More and more people are turning to prepaid phone plans as offered by Straight Talk Wireless and there are two reasons. The first is that people are very wary of large wireless companies charge a lot for too many minutes suspicious payments and termination clauses. Many people start asking themselves why they should be forced to sign a contract for two years.     This is HOT Product and Best-Selling Android phones 2012 tend to SELL OUT VERY FAST!!     If this is a MUST HAVE product, be sure to ORDER NOW- CLIK HERE to avoid disappointment The second reason i...

The arrival of the Apple iPhone 4S is one of the most anticipated events in the mobile phone market. Although there is much speculation about the arrival of this latest model of the generation of smart phones from Apple, this new model is a device that loyal iPhone users are looking forward to buying because of the promise of a new and enhanced mobile phone experience. The revisions to the new Apple iPhone 4S The most notable features has been improved in this latest iPhone's hardware installation would. The processor is now a dual core A5 processor, which provides users with a faster and more reliable phone operation. You can effectively multitask on your smart phone without any fear that it might react to end, and will also be a great way to conserve battery life without much effort.     This is HOT Product and Best-Selling Android phones 2012 tend to SELL OUT VERY FAST!!     If this is a MUST HAVE product, be sure to ORDER NOW- CLIK HERE to...

The Apple iPhone 4 has proved phenomenally popular with both innovative hardware, software and very capable. These two factors together for a great smartphone experience. Perhaps the most important factor for many users is the iPhone AppStore. In this article I will give an overview of the AppStore, and take a look at a few best-selling apps from different categories. As the slogan says, "There is and App for that", and for the most part, it's true. Obviously this is not to be taken literally, but you would probably need an app, chances are it has already been developed and is available to download from the AppStore. Many apps are free, while premium apps range in price from £ 0.59, up to several hundred pounds. Both entertainment apps and focusing on productivity in the workplace are available, and everything in between. A good example of a gaming app is the best selling Angry Birds. It appears that his phenomenally popular, and recently the 500 millionth downl...

The launch of the Apple iPhone has changed the way people use mobile phones. While earlier cell phones were used only for calling up people and send and receive texts, now comes with Apple's mobile phones are mini computers themselves. They are equipped with any application or program that would help in communication and in the work. The development of technology has advanced so that mobile phones are always included with remarkable properties. With a number of applications and systems, these iPhones the world a simplified representation of the environment, with easy access by using the keys on their telephone sets. Not only for companies but also for fun use, Apple iPhone s are considered the best phones as they help in the communication needed on a daily basis and allow the operation of programs that assist in staying connected. With a large screen that a better understanding of applications and much more engaging media experiences allows iPhones are surely going ...

The Blackberry Bold 9790 is the latest mobile phones released by Research In Motion. This new model offers the features that we've grown to love each other BlackBerry devices with a number of interesting new introductions. The release of the device also coincides with an exciting promotion that is run by Blackberry that gives users access to a huge library of audio tracks. We have recently seen their wonderful Apple launch 12 Days of Christmas application that allows users to download free gifts and Blackberry have followed suit with a giveaway of their own. Blackberry offer six months free subscription to their own music service to users of the Blackberry Bold 9790 and all handsets that a version of the operating system is running 5.0 or higher. This new Blackberry Music service is a subscription-based platform that allows users to select up to 50 individual tracks per month. These are managed online and can be organized into playlists that suit you. Once the musi...

A BlackBerry smartphone is much more than a mobile phone business. It can help you improve your customer service, help increase productivity by means of keeping you organized and increase your sales if you can keep in touch with every aspect of your business while on the road. BlackBerry devices are equipped with features tailored for business use and can perform tasks that are useful for a wide range of different industries. Stay Connected Not only a mobile phone Blackberry will allow you to stay in touch with your office and your corporate data while away from the office. You can send and receive emails and messages, and surf the Internet. When in the field or on the road you can access the information of important working documents and do the necessary research online, without going back to the office. You are also able to instant chat with customers or employees through the use of Messenger and other applications. Stay Organized A big key to running a successful bu...

Blackberry mobiele telefoon heeft een reputatie opgebouwd als een toonaangevende smartphone met ongeëvenaarde messaging faciliteiten.">The Blackberry mobile phone has a reputation as a leading smart phone with unparalleled messaging facilities. These outstanding properties have seen that the handsets strike a chord with both business users and the younger market who regularly use messaging facilities. So what is the best Blackberry device for you? We take a brief look at the range and highlight the major differences between the models, including the excellent Blackberry Bold 9900. The Blackberry range can be divided into three different types of models that the Curve, Bold and Torch devices. The Curve is the entry-level devices within range and offer high functionality at an affordable price. One of the most popular phones in this series is the excellent Blackberry Curve 9360 which provides high-speed user with the 800Mhz processor it employs. The 9360 is equipped w...

After years of producing devices that are known for their excellent QWERTY keyboard, RIM finally have a full touchscreen device released as part of their supply curve models. The Blackberry Curve 9380 is the ideal phone for people who want the excellent messaging features traditionally associated with these devices, but with a larger screen is perfect for web browsing. Earlier in the year we saw a few new models released in the Blackberry Bold range saw a small capacitive touchscreen added to the traditional QWERTY keyboard. The new Blackberry Curve 9360 have gone a step further and completely eliminate the keyboard and with a high quality 3.2 inch screen capable of displaying a respectable resolution of 360 x 480 pixels. This screen shows a total of 188 pixels per inch, which is much lower than most premium models, but we must not forget that this is a budget smartphone, and this figure is far superior to models offered at a comparable price. There are four capacit...