edited by Yafeng Shan.
Along with the development of the Islamic banking in Indonesia. The need for the development of its products is also increasing and demanding. This is of course aimed to fulfil the Islamic banking market that needs such products. The development of the Islamic banking products must be in live with the market need as well as in accordance with shariah principle and in the form of fatwa that is p…
The innovation of artifacts it somewhat can bee seen as a process of evolution. The paper presents an endeavor to view the evolution of artifact by using evolutionary concept of memetics. We showed the ways to build a phylomemetic tree based on memes contituting an artifact to infer or estimate the evulutionary history and relationship between artifacts. UPGMA algorithm and the shortest tree me…