Mudaraba

The current economic situation in Mexico requires companies to adopt the strategies that allow them to acquire competitive capacity, reduce their costs and increase their productivity by managing agile and slender processes all to stay in the market and provide their products and services. To this end, large companies began to adopt manufacturing methods developed in Japan that help competes in the international market, national or local, known as Lean Manufacturing. Everything starts by drawing a diagram of the value chain of the process showing all the activities carried out to obtain the product or service, costs but not value delaying the completion of the same and for that reason should be eliminated. Lean defines these activities as waste, which is presented in the production and service processes, but through the use and application of the Lean tools will allow us to eliminate them. This article proposes an improvement model based on lean manufacturing for the service process of the SME, also taking into account the literature reviewed in the state of the art, which will allow us to reduce its total time of process and as a consequence is the decrease in costs, increase in productivity, increase in profits, all this in order to place it in a competitive state, thus ensuring its permanence in the business. In the beginning, the waste identified in the process is presented to later determine the appropriate Lean tools for its elimination and finally the present VSM (current) and a future (desired) VSM of the process are traced together with a cost-benefit analysis for the implementation of the proposed tools.

The purpose of this study is to explore the opportunities of integrating Islamic Philanthropy and Corporate Social Responsibility Management (CSRM) with Brand Personality concept for enhancing Mudarabah Family Takaful Model. The application of CSRM with the best practice in Islamic Philanthropy has been circulating in recent years. Since Takaful services are only provided to those, who have affordability with a good health condition. But supposedly those have inadequate and suffering from a variety of chronic illnesses, and health problems need more medical and health services. The current practice of this study is to review a practical approach in establishing Islamic Philanthropy and Social Responsibility Concept to Enhance Mudarabah Family Takaful Model in Malaysia. This study is called upon to examine how these marginalized groups can enjoy the same facilities as those who are qualified to get the services and benefits of the Takaful. The CSR Theories refer to the implementation of this model in Malaysian Takaful Industry. It is used to establish the conceptual framework of this study. Theoretically, the current study is perhaps one of the first to explore Islamic Philanthropy and Social Responsibility concept to improve the Mudarabah Family Takaful Model. Practically the study proposes to develop a new model and plan based on the dimensions of the Halal brand personality concept of Purity, Secure, Quality, Beneficial and Religious Compliance for beneficial to all people in Malaysia.

Konvansiyonel bankacılığın maddi refahın adaletli şekilde dağıtılması ve sürdürülebilir bir ekonomik canlılığın sağlanması noktasında yeterince başarılı olamadığı artık kabul edilen bir gerçektir. Şu anki haliyle İslam bankacılığının faizci bankacılığa ciddi bir alternatif olabilmesi ise uzak görülmektedir. Bunun için İslam bankacılığının etkin finansman yöntemleri geliştirmesi gerekmektedir. İslamî bankacılığın ciddi bir alternatif olmasının önündeki en büyük engel ise onun murâbaha sistemine sıkışıp kalmasıdır. İslamî bankacılığın ruhuna ve tarihi gelişimine daha uygun olmasına rağmen Mudârabe finansman yönteminin hemen hemen hiç uygulan(a)madığı görülmektedir. Güvene dayalı bu finans yönteminin önündeki en büyük engel ise güvenilir ve yetenekli girişimcilerin bulunamaması/ yetiştirilememesidir. Bu bağlamda MÜSİAD, ASKON gibi sivil toplum örgütlerinin, tarihte çok sayıda örneğini gördüğümüz sivil toplum örgütleri gibi aktif bir rol oynayıp güvenilir/yetenekli girişimcilerin bulunması, yetiştirilmesi hatta bankalara karşı onlar adına bazı sorumluluklar üstlenmesi ve böylece İslam bankacılığının finansman yöntemlerinin çeşitlenmesine katkı sunmaları kanaatimizce mümkün olabilir. STK’ların bir nevi İslam bankacılığına entegre olması anlamına gelen bu sürecin üç aşamalı olarak yürütülmesi mümkün olabilecektir. STK’ların bu süreçte üstlenebilecekleri roller, kolaydan zora, reelden ideale doğru şu şekilde sıralanabilir: 1- Güvenilir Girişimcilerin Bulunması/Yetiştirilmesi Sürecine Dahil Olması. 2-  Finanse Edilen Girişimin Faaliyetlerini Takip Etmesi. 3- Kar ve Zarar Sürecine Dahil Olmaları.

Today, it is commonly accepted fact that conventional banking fails in the fair distribution of economic wealth and in the provision of sustainable  economic development. It seems almost impossible for Islamic Banking to be a strong alternative to interest-based banking with its current practice.  That is the reason why the alternative financing methods of Islamic Finance should be improved. In this context, the major obstacle for Islamic Banking to be an alternative to conventional counterpart is that it confines itself to murâbaha financing. Although the Mudaraba financing model suits better to the spirit of Islamic Banking and its historic advancement, it is observed that it is nearly not practiced or cannot be practiced. The reason behind this and major problem of Mudaraba model is having lack of enough entrepreneurs and not being able to raise them. In this sense, we believe that NGOs like MUSIAD and ASKON can contribute for the enhancement of the Islamic Banking as we have witnessed that many NGOs had considerable contributions by taking important roles in the past. This process which sort of means the integration of NGOs and Islamic Banking can be carried out in three stages.