Pendahuluan Industri perbankan syari’ah di Indonesia tengah memasuki fase growth (pertumbuhan) xxx sangat membutuhkan kepercayaan xxx loyalitas masyarakat untuk terus meningkatkan produktivitasnya. Kepercayaan xxx loyalitas mutlak dibutuhkan untuk memasuki fase maturity perbankan syariah dalam menghadapi kompetisi global. Kepercayaan xxx loyalitas tidak dapat diperoleh tanpa adanya produk- produk yang mampu menjawab kebutuhan masyarakat. Produk bank syariah sudah semestinya mampu memenuhi seluruh komponen masyarakat, baik dalam produk funding, financing, xxx services. Oleh karenanya, inovasi produk bank syariah menjadi syarat mutlak sebagai indikator bahwa bank syariah mampu beradaptasi dengan kebutuhan manusia modern. Inovasi produk merupakan salah satu unsur penting untuk dapat menjaga sustainabilitas perusahaan. Inovasi produk merepresentasikan kemampuan perusahaan untuk dapat memenuhi kebutuhan pasar sekaligus sebagai upaya untuk memperoleh keuntungan perusahaan. Bank syariah pada dasarnya telah melakukan serangkaian upaya inovasi, salah satunya adalah dengan melakukan “rekayasa” (engineering) terhadap akad- akad dalam fiqh muamalah. Beberapa akad dalam fiqh muamalah tidak begitu saja diadopsi oleh perbankan syariah, namun juga “diadaptasikan” dengan kebutuhan masyarakat terhadap xxxx-xxxx perbankan. Rekayasa xxx adaptasi ini memang sebuah keniscayaan, karena jika adopsi dilakukan secara apa adanya maka produk bank syariah diragukan dapat memberikan manfaat yang tepat bagi masyarakat. Prinsip keleluasan bermuamalah dalam Islam merupakan modal utama untuk menghadapi kompleksitas permasalahan ekonomi serta besarnya tuntutan masyarakat akan peran perbankan syariah.1 Dalam rangka memenuhi kebutuhan masyarakat xxx mengembangkan industri perbankan xxx keuangan xxxx xxxx kompetitif, inovasi dalam berbisnis yang dilakukan oleh perbankan syariah melalui serangkaian adaptasi tersebut memang sudah menjadi tuntutan bisnis. Sebagai contoh dapat dikemukakan xxxxxx xxxx kartu kredit syariah, asuransi syariah, obligasi syariah, FX iB, xxx Islamic Swap. Produk-produk dalam kegiatan keuangan syariah tersebut mengandung beberapa akad. Sebagai contoh, dalam transaksi kartu kredit syariah terdapat akad ijarah, qardh, xxx kafalah. Obligasi syariah mengandung sekurang-kurangnya akad mudharabah (atau ijarah) xxx wakalah, serta terkadang disertai kafalah atau wa’d. Islamic swap mengandung beberapa kali akad tawarruq, bay‘, wakalah, xxxxx, xxx terkadang disertai wa’d.2 Dalam setiap transaksi, akad-akad tersebut dilakukan secara bersamaan atau setidak-tidaknya setiap akad yang terdapat dalam suatu produk tidak bisa ditinggalkan, karena kesemuanya merupakan satu kesatuan. Transaksi seperti 1 Xxxxxx Xxxxx Xxxxxx, “Konstruksi Akad dalam Pengembangan Produk Perbankan Syariah di Indonesia”, Al-‘Adalah, Vol. 12, No. 3 (Juni, 2015), 493. 2 Xxxxxxxxx Xxxxxxx, “Multiakad dalam Transaksi Syariah Kontemporer pada Lembaga Keuangan Syariah di Indonesia”, Al-Iqtishad, Vol. 3, No. 1 (Januari, 2011), 156. inilah yang dikenal dengan istilah multiakad (Indonesia) atau hybrid contract (Inggris) atau al-’uqud al-murakkabah (Arab). Hybrid contract merupakan perbincangan yang masih hangat dikalangan para cendikiawan muslim untuk menentukan keabsahan hukumnya. Pendapat pertama mengatakan hukumnya mubah berdasar kaidah fiqh al-ashlu fi al-mu’amalat al-ibahah (hukum asal muamalah adalah boleh). Pendapat kedua mengharamkan berdasarkan dengan hadits-hadits yang mengharamkan dua jual beli dalam satu jual beli (bai’ataini fi bai’atin), atau mengharamkan dua akad dalam satu akad (shafqatain fi shafqatin).3 Sebagai entitas bisnis yang menjadi bagian penting dalam sistem ekonomi syariah sebagai induknya, tentunya industri perbankan syariah tidak boleh keluar dari nilai-nilai syariah. Melakukan inovasi memang tuntutan bisnis, namun menjaga shariah compliance juga menjadi kewajiban bagi setiap pelaku bisnis syariah, tidak terkecuali perbankan syariah. Profit-oriented hanya boleh dijadikan sebagai media (tool) untuk mencapai tujuan (goal), yaitu benefit-oriented. Produk bank syari’ah seyogyanya memiliki multi benefit, yaitu: material benefit, emotional benefit, xxx spiritual benefit.4 Mengacu pada kondisi tersebut, maka inovasi produk perbankan syariah setidaknya memerhatikan inovasi dalam dua dimensi, yaitu dimensi ekonomi xxx dimensi sosial. Inovasi dalam dimensi ekonomi artinya bahwa produk perbankan syariah harus mampu menghadirkan produk yang sesuai dengan kebutuhan masyarakat, sehingga bank syariah menjadi pilihan utama masyarakat. Jika hal ini dapat dilakukan, maka fungsi-fungsi bank syariah akan mampu memainkan perannya sebagai intermediary institution. Pada dimensi sosial, sebagai produsen jasa keuangan syariah, bank syariah bertanggung jawab untuk melakukan edukasi terhadap perilaku masyarakat. Bank syariah xxx masyarakat xxxxxx melekat xxx memengaruhi satu dengan yang lain. Pada satu sisi, bank syariah melalui pola inovasinya harus mampu “men-syariah- kan” perilaku masyarakat, khususnya yang berhubungan dengan lembaga 3 Najamuddin, “Al-‘Uqud Al-Murakkabah dalam Perspektif Ekonomi Syariah”, Jurnal Syariah, Vol. 2, No. 2 (Oktober, 2013), 6.
Welding Welding and use of cutting torches or cutoff saws will be permitted only in areas that have been cleared or are free of all material capable of carrying fire. Flammable debris and vegetation must be removed from within a minimum 10-foot radius of all welding and cutting operations. A shovel and a 5-gallon standard backpack water container filled and with handpump attached shall be immediately available for use in the event of a fire start. C8.64 – DEBARMENT AND SUSPENSION CERTIFICATION (3/18). Pursuant to 2 CFR 180 and 2 CFR 417, Purchaser shall certify and obtain certifications from its Subcontractors regarding debarment, suspension, ineligibility, and voluntary exclusion, including additional Subcontractors obtained after award of this contract. “Subcontractors” are participants in lower tier covered transactions. Purchaser may rely upon a certification of a prospective Subcontractor that it is not proposed for debarment under 48 CFR 9.4, debarred, suspended, ineligible, or voluntarily excluded from participating in covered transactions or timber sales, unless Purchaser knows that the certification is erroneous. Purchaser shall keep the certifications of its Subcontractors on file until timber sale Termination Date and any extensions thereof, and will provide a copy at the written request of Contracting Officer. Nothing contained in the foregoing shall be construed to require establishment of a system of records in order to render in good faith the certification required by this Subsection. The knowledge and information of Purchaser is not required to exceed that which is normally possessed by a prudent person in the ordinary course of business dealings. If Purchaser knowingly enters into a timber sale transaction with a person who is proposed for debarment under 48 CFR 9.4, suspended, debarred, ineligible, or voluntarily excluded from participation in covered transactions or timber sales, in addition to other remedies available to the Government, Forest Service may pursue available remedies, including suspension and/or debarment. Contracting Officer shall provide a copy of Forms AD-1047 Certification Regarding Debarment, Suspension and Other Responsibility Matters – Primary Covered Transactions and AD-1048 Certification Regarding Debarment, Suspension, Ineligibility and Voluntary Exclusion – Lower Tier Covered Transactions to the Purchaser. Purchaser shall complete form AD-1047 and provide to the Contracting Officer upon request. Purchaser shall require each subcontractor to complete form AD-1048 and provide to the Contracting Officer upon request.
Dewatering (a) Where the whole of a site is so affected by surface water following a period of rain that all productive work is suspended by agreement of the Parties, then dewatering shall proceed as above with Employees so engaged being paid at penalty rates as is the case for safety rectification work. This work is typically performed by Employees engaged within CW1, CW2 or CW3 classifications. When other Employees are undertaking productive work in an area or areas not so affected then dewatering will only attract single time rates.
(b) Where a part of a site is affected by surface water following a period of rain, thus rendering some areas unsafe for productive work, consistent with the Employer’s obligations under the OH&S Act, appropriate Employees shall assist in the tidying up of their own work site or area if it is so affected. Where required, appropriate Employees will be provided with the appropriate PPE. Such work to be paid at single time rates. Productive work will continue in areas not so affected.
(c) To avoid any confusion any ‘dewatering’ time which prevents an Employee from being engaged in their normal productive work is not included in any calculation for the purposes of determining whether an Employee is entitled to go home due to wet weather (refer clauses 32.4 and 32.5)
Lockers Where working conditions or weather requires regular employees to have additional clothing available at their regular point of assembly, the Employer shall provide appropriate secure individual lockers within the assembly room building.
Intake Intake begins when you, or someone on your behalf, contacts the LIFE Provider or the Independent Enrollment Broker expressing interest in services. If it appears from this first conversation that you are potentially eligible, a LIFE Provider and Independent Enrollment Broker representative will contact you to explain the program, obtain further information about you, and to schedule in person or tele-visits. During these visits: • You will learn how the LIFE Program works, the services LIFE offers, and the answers to any questions you may have about LIFE. • The LIFE Provider and/or Independent Enrollment Broker will explain that if you enroll, you must agree that all of your healthcare services will be provided and/or coordinated by LIFE, including primary care and specialist physician services (other than emergency services). • The LIFE Provider will have you sign a release allowing the LIFE Provider to obtain your past medical records so the LIFE health team can fully assess your health conditions. You will be encouraged to visit the LIFE Center to see what it is like. If you are interested in enrolling, a LIFE Provider representative and the Independent Enrollment Broker will assist you with the enrollment process. You should be prepared to participate in phone calls and/or visits with both the LIFE Provider and Independent Enrollment Broker in order to complete your enrollment process.
WATERBEDS The Tenant: (check one)
Vessels (A) All of the vessels described in the Registration Statement, the General Disclosure Package and the Prospectus, except for the Contracted Vessels (each of which a Subsidiary has contracted to acquire), are owned directly by Subsidiaries); each of the vessels listed on Schedule F-1 (the “Owned Vessels”) hereto has been duly registered as a vessel under the laws and regulations and flag of the jurisdiction set forth opposite its name on Schedule F-1 in the sole ownership of the Subsidiary set forth opposite its name on Schedule F-1 and no other action is necessary to establish and perfect such entity’s title to and interest in such vessel as against any charterer or third party; each such Subsidiary has good title to the applicable Owned Vessel, free and clear of all mortgages, pledges, liens, security interests and claims and all defects of the title of record except for those liens arising under Credit Facilities, each as disclosed in the Registration Statement, the General Disclosure Package and the Prospectus, and such other encumbrances which would not, in the aggregate, result in a Material Adverse Effect; and each such Owned Vessel is in good standing with respect to the payment of past and current taxes, fees and other amounts payable under the laws of the jurisdiction where it is registered as would affect its registry with the ship registry of such jurisdiction except for failures to be in good standing which would not, in the aggregate, result in a Material Adverse Effect. Upon delivery to and acceptance by the relevant Subsidiary under the MoAs and the Newbuilding Contracts described in the Registration Statement, General Disclosure Package and Prospectus, each of the vessels listed on Schedule F-2 hereto and specified as being under contract (the “Contracted Vessels”) for delivery to and acceptance by a Subsidiary will be duly registered as a vessel under the laws of the jurisdiction set forth opposite its name on Schedule F-2, or under the laws of a generally accepted shipping industry flag jurisdiction, in the sole ownership of the Subsidiary set forth opposite its name on Schedule F-2, on such date, each such Subsidiary will have good title to the applicable Contracted Vessel, free and clear of all mortgages, pledges, liens, security interests, claims and all defects of the title of record, except for any mortgages, pledges, liens, security interests or claims arising from any financing arrangement which the Company or Subsidiary may enter to finance the acquisition of the Contracted Vessel and except such encumbrances which would not, in the aggregate, result in a Material Adverse Effect; and each such Contracted Vessel will be in good standing with respect to the payment of past and current taxes, fees and other amounts payable under the laws of the jurisdiction where it is registered as would affect its registry with the ship registry of such jurisdiction.
(B) Each Owned Vessel is, and the Company will use reasonable commercial efforts to ensure that each Contracted Vessel will be, operated in compliance with the rules, codes of practice, conventions, protocols, guidelines or similar requirements or restrictions imposed, published or promulgated by any Governmental Authority, classification society or insurer applicable to the respective vessel (collectively, “Maritime Guidelines”) and all applicable international, national, state and local conventions, laws, regulations, orders, Governmental Licenses and other requirements (including, without limitation, all Environmental Laws), except where such failure to be in compliance would not have, individually or in the aggregate, a Material Adverse Effect. The Company and each applicable Subsidiary are, and with respect to the Contracted Vessels will be, qualified to own or lease, as the case may be, and operate such vessels under all applicable international, national, state and local conventions, laws, regulations, orders, Governmental Licenses and other requirements (including, without limitation, all Environmental Laws) and Maritime Guidelines, including the laws, regulations and orders of each such vessel’s flag state, except where such failure to be so qualified would not have, individually or in the aggregate, a Material Adverse Effect.
(C) Each Owned Vessel is, and each Contracted Vessel will be, classed by any of Lloyd’s Register of Shipping, American Bureau of Shipping, Det Norske Veritas or a classification society which is a full member of the International Association of Classification Societies and each Owned Vessel is, and the Company will use reasonable commercial efforts to ensure each Contracted Vessel will be, in class with valid class and trading certificates, without any overdue recommendations.
Drainage Systems (1) Clear culvert inlets, outlets, and sediment catching basins.
(2) Maintain waterbars, drainage dips, and other water diversion measures.
(3) During active use, patrol and maintain functional drainage.
(4) Repair damaged culvert ends.
As-Builts Seller shall provide final as-built drawings of the Seller-Owned Interconnection Facilities within 30 Days of the successful completion of the Acceptance Test.
Baggage For the transportation of checked baggage and cargo THE CARRIER’s liability shall be limited to ten grams of pure gold per kilo of checked baggage or cargo per person, unless a special declaration of value has been made by the sender at the time cargo is of delivered to THE CARRIER and by paying a supplementary fee, if applicable. With respect to items under the Passenger’s custody, THE CARRIER’s liability shall be limited to two hundred grams of pure gold per person for all carry-on items.
