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Abstrak :
Pada umumnya dalam penyaluran kredit atau pembiayaan bank akan mensyaratkan pengikatan agunan. Agunan dapat berupa agunan perorangan maupun agunan kebendaan. Pada perkembangan terkini, muncul jenis hak jaminan lain, yang bukan merupakan jaminan perorangan maupun jaminan kebendaan. Misalnya jaminan dalam wujud ijazah, surat pensiun, dan Sertifikat Pendidik. Sertifikat pendidik adalah bukti formal sebagai pengakuan yang diberikan kepada guru dan dosen sebagai tenaga profesional. Sertifikat pendidik yang tidak memiliki nilai ekonomis bagi orang lain bila dijadikan sebagai agunan tambahan tentu akan mengalami sebuah kesulitan jika debitur wanprestasi, mengingat terhadap sertifikat pendidik tidak dapat dilakukan ekseskusi. Adapun permasalahan yang diangkat dalam penelitian ini adalah (1) Pengaturan mengenai lembaga jaminan dalam perjanjian pembiayaan bank syariah menurut peraturan perundang-undangan yang berlaku di Indonesia, dan (2) Upaya hukum yang dapat ditempuh PT BPRS Dana Mulia jika perjanjian pembiayaan dengan agunan sertifikat pendidik mengalami kemacetan. Untuk menjawab permasalahan tersebut digunakan metode penelitian hukum yuridis normatif, dengan tipe penelitian diagnostik. Hasil penelitian adalah (1) Pengaturan mengenai lembaga jaminan dalam perjanjian pembiayaan bank syariah sampai saat ini belum diatur secara khusus, sehingga pengaturan mengenai lembaga jaminan dalam perjanjian pembiayaan bank syariah berpedoman kepada ketentuan-ketentuan yang berlaku dalam hukum konvensional. Sertifikat Pendidik yang diaggap sebagai agunan dalam perjanjian pembiayaan di PT BPRS Dana Mulia tidak memenuhi unsur sebagai agunan, karena tidak dapat dialihkan, tidak dapat dinilai dengan uang, tidak memiliki nilai ekonomis bagi pihak lain, dan tidak dapat dilakukan eksekusi jika debitur wanprestasi. (2) Upaya hukum yang dapat ditempuh PT BPRS Dana Mulia jika perjanjian pembiayaan dengan agunan sertifikat pendidik mengalami kemacetan adalah dengan penyelesaian secara damai atau persuasif. ......In general, credit agreement or financing agreement are often required a collateral. Types of collateral can be material guarantee nor personal guarantee. Recent developments, there is other guarantee which are neither material guarantee nor personal guarantee. For example, diploma certificate, pension letters, and certificates of educators. Educator certificate is formal evidence as an acknowledgment given to teachers and lecturers as professionals. Educator certificates are not easy to value and turn into cash, if accepted as a collateral will be unsecured loans that don’t give bank any form of assurance or protection that the money will be returned. Considering that bank can not seize the certificates of educator and sell it to recoup its losses. Therefore Educator certificates cannot regarded as a secondary source of repayment if the borrower defaults. The research conducted in this thesis is to analyze (1) the arrangements of guarantee institutions in financing agreements in syariah bank according to Indonesia’s regulations. and (2) find out about the settlement process will be taken by PT BPRS Dana Mulia in case of funding with Educator Certificate as a collateral having default. To answer this problem, a normative juridical legal research method is used, with a research typology of diagnostic research. The results of the research are (1) The arrangements of guarantee institutions in financing agreements in syariah bank according to Indonesia’s regulations is have not yet been specifically regulated, therefore accordance with the applicable (law and) regulation. Educator certificate do not qualify as an eligible collateral, because cannot be assessed with money, have no economic value for others, and cannot be executed if the debtor defaults. (2) The settlement process will be taken by PT BPRS Dana Mulia in case of funding with Educator Certificate as a collateral having default is by discussion or compromising.

Abstrak :
This book will present a comprehensive view of the risk characteristics, risk-adjusted performances, and risk exposures of various hedge fund indices. It will distinguish itself from other books and journal articles by focusing solely on hedge fund indices and emphasizing tail risk as a predictor of hedge fund index returns. The three chapters in this short book have not been previously published.

Abstrak :
[Financial decisions across the lifespan brings together the work of scholars from various disciplines (family and consumer sciences, economics, law, finance, sociology, and public policy) to provide a broad range of perspectives on financial knowledge, financial decisions, and policies. For consistency across the volume each chapter follows a similar format : (1) what individuals know or need to know (2) how what they know or need to know affects financial decisions and outcomes (3) ways in which policies or programs or financial innovations can enhance their knowledge, or decisions, or outcomes. Contributors will provide both new and existing research to create a valuable picture of the state of financial literacy and how it can be improved., Financial decisions across the lifespan brings together the work of scholars from various disciplines (family and consumer sciences, economics, law, finance, sociology, and public policy) to provide a broad range of perspectives on financial knowledge, financial decisions, and policies. For consistency across the volume each chapter follows a similar format : (1) what individuals know or need to know (2) how what they know or need to know affects financial decisions and outcomes (3) ways in which policies or programs or financial innovations can enhance their knowledge, or decisions, or outcomes. Contributors will provide both new and existing research to create a valuable picture of the state of financial literacy and how it can be improved.]

Abstrak :
How will the funds of hedge funds (FoHF) business have to change to survive in the wake of the 2008-2012 financial crisis? This new research provides valuable insight. Reconsidering Funds of Hedge Funds presents the first comprehensive views of UCITS as well as recent trends in due diligence, risk management, and hedge fund deaths and survivors. The book contains original chapters by 22 academics and 16 hedge fund professionals, and includes two sections on performance: one that looks at UCITS FoHF and one that deals with traditional FoHF performance. Most chapters examine aspects of the 2008-2012 financial crisis, and almost every chapter addresses fund of hedge funds' management process before, during, and after the crisis.