Islamic Banking in Bangladesh Essay Example | Topics and Well Written Essays - 3000 words

Muslim Banking in Bangladesh - Essay ExampleIslamic / Shariah based Banking System. carrying out of Islamic Banking..The main focus of the report is the Islamic Banking system which is indicated a way to the light. MethodologyResearch type It is an exploratory research. Source of dataIn this report all-necessary information to prep atomic number 18 be collected from subsidiary data. Secondary data I need much information for the report, which we get from secondary data. These are Annual Report of different banks.Different types of brochures of EXIM Bank Ltd.Books and Journals (Details are available at Bibliography). Research approach As the research is based on secondary data Traditional Research approach has used as (Query from Internet, Journals, Books etc). Analysis & reporting I have used different types of statistical tools and computer software product for analyzing and reporting my gathered information, such as - Microsoft Excel, Microsoft Word, SPSS. Limitations of the Stu dyThe study had to be completed under certain constraints, which barred it to be more effective. Some of these constraints are listed Every organization has their own secrecy that is not revealed to others. Another limitation of this study is Banks policy of not disclosing come data and information for various reasons, which could be very much useful. No contacted method used because research conducted based on secondary data.Despite the limitations, I have tried my best to conjure the report. If you find any mistakes please consider it cordially. Islamic Banking Islamic banking has been defined as banking in consonance with the ethos and value system of Islam and governed, in sum to the upright governance and risk management rules, by the principles position down by Islamic Shariah. Interest superfluous banking is a narrow...All the data for this analysis has collected from secondary sources.The primary objective of this report is to comply with the requirement of my course. B ut the objective behind this study is something broader. Objectives of the study are summarized in the following mannerIslamic Banking Islamic banking has been defined as banking in consonance with the ethos and value system of Islam and governed, in addition to the good governance and risk management rules, by the principles laid down by Islamic Shariah. Interest free banking is a narrow concept denoting a number of banking instruments or operations, which avoid interest.5. The Islamic banks have no provision to charge any extra money from the defaulters. Only small amount of compensation and these proceeds is given to charity. Rebates are give for early settlement at the Banks discretion.Islamic Shariah prohibits interest but it does not prohibit all gains on capital. It is only the increase stipulated or sought over the principal of a loan or debt that is prohibited. Islamic principles simply require that performance of capital should also be considered while rewarding the capit al. The prohibition of a risk free return and permission of trading, as enshrined in the Verse 2275 of the Holy Quran, makes the financial activities in an Islamic set-up real asset-backed with ability to cause value addition4.Islamic banking system is based on risk sharing, owning and ha

Diabetes mellitus type II care and management Term Paper

Diabetes mellitus type II care and sufficement - Term Paper ExampleAll these details are devoted below, reading which, will provide a clearer insight about the disease to the patients thereby increasing their awareness about it and also how to effectively manage this in effect(p) ailment.Unlike the people who suffer from type 1 diabetes, who does non at produce insulin, people with type 2 produce insulin but might not make adequate insulin or the dead body cannot use it well enough to manage downslope sugar levels (called as insulin resistance). When the pancreas does not produce the required levels of insulin to manage the glucose, the resultant increase can enter your body cells leading to host of problems. As far as insulin resistance is concerned, insulin will not be sufficient to play its role properly because the bodys cells remain unaffected by it (The importance of monitoring blood-glucose levels, n. d). Diabetes Type 2 and the resultant high blood sugar can cause serie s of ailments including heart disease, kidney failure, stroke, diabetic retinopathy affecting eyes, poor blood flow to the legs leading to amputations in certain cases, others. This presents a cypher scenario for the patients. At the same time, although, there is no permanent cure for this type 2 diabetes, it can be managed by eating aptly, exercising, and through medications or insulin therapy. most patients suffering from type 2 diabetes will be able achieve their target glucose levels through apt diet management and effective exercise alone, however, absolute majority of the sufferers will need oral diabetes medications or injection-based insulin therapy. The best suitable medication would differ from patient to patient because it depends on the individuals blood sugar level, their response to the sign treatment, other health problems, and so on, with doctors even prescribing a combination of drugs from different classes. In that direction, doctors are prescribing a combinatio n of metformin and glyburide to help body cope up with high

Foreign Direct Investment Essay Example | Topics and Well Written Essays - 4250 words

Foreign Direct Investment - Essay ExampleIFIs impart been in existence courtesy of political and economic elicits. swift economic integration, through the elimination of cross-border barriers between the member countries, raises the possibility the spread of economic crisis across the region in the event of a policy ill and the role of world-wide fiscal institutions in future to alleviate the problem. This is especially true because IFIs have not acted fast or adequate enough to alter countries avoid or manage the impacts of financial crises (Marktanner and Salman 4479). The International Monetary Fund (IMF) and the World Bank are prominent IFIs, which provide financial services across the world. They were both set up at Bretton Woods in 1944 to control the post-war global economy. The establishment of IMF was inspired by the desire to manage the modalities of fixed change over rates across states and to help nation-states ease budget shortfalls, while the World Banks scope a t its inception was to enable nations achieve post-war reconstruction efforts. Since then, the roles of both institutions have changed significantly following a swift evolution of the scope and mandate of international economy. These international changes have sparked concerns relating to the significance of the two international financial institutions. ... Nonetheless, the United States stance on the balance of payments weakened drastically in the 1960s as a result of heavy military budgets and soar inflation rates. As a result, the suspension of the United States convertibility to gold in early 1970s led to the disintegration of the monetary system agreed upon at Bretton Woods. And for four decades now, all nations have set up internal mechanism to guide exchange rates. These range from fixed currency exchange rates to controlled floats and free-handed floating systems. Benefits of IFIs Despite the shortfalls, IFIs are advantageous because the credit gamble often comes out in adverse cases. As a result, the establishment of IFIs to cater for the financial needs of governments cannot be rivalled by the private sector. IFIs offer financial services at highly reduced costs, and do not exert a distribute of pressures upon the loaner. This means IFIs operate in an even-handed manner, without passing extra costs to the loaner (Marktanner and Salman 4482). As the economy is mostly forced to factor in the political effects, this risk is invisible in the operation of IFIs. These organizations represent the qualified source of finances and may provide financial services at, or below the market interest rate, this being allowed even in the scenarios where global capital market reigns. In the event that the global capital markets remain steadfast, the ensuing scenario often manifests in the deficient certitude in loaning each country, which essentially takes place due to the essence of the management of the economy. The challenge that a government may not have the capacity to handle the duty service is much reduced in a national economy that has

Ganga river Essay Example | Topics and Well Written Essays - 3000 words

Ganga river - Essay ExampleHere it must be noted that the whole population which lives on the river basin depends on Ganga for agricultural, domestic and industrial piss consumption. Taking into account all these facts, it can be confirmed that Ganga as a geographical and cultural element, plays a real important role. To have a critical view on this role, it wont be enough to limit the analysis to the physical, biological and environmental trunks associated with the river. For any analysis to happen, it must be understood that sociologically, the river Ganga is more than a river for the people and the culture associated with it. There are a set of systems ranging from environmental to mythological which combines to force the landscape of the river. The objective of this essay is to analyze the role of Ganga as a socio cultural entity and to understand its changing ritualistic relationship with the community of interests. The Geographic spread of Ganga In order to understand the cultural relevance of Ganges, it is primarily important to understand the geographic spread and details of the river. The river covers more than a quarter of the countrys landscape. It comes up to 26.3% of the total area of India (Trivedi , 2010). It is considered to be largest river basin. Ganagotri Glaciers are the primary source of origin of Ganga river. It flows by the Himalayas and flows down the country starting from Haridwar (Trivedi , 2010). Numerous tributaries join Ganga at different parts of its flow through the country. The Ganga-Brahmatutra-Meghna basin of which Ganga basin is a part stretches across to four countries including China, India, Nepal and Bangladesh. However, a major chunk of this lies in India extending up to 80% of the total basin. The river flows through the Indian states of Uttar Pradesh, Uttarakhand, Bihar, West Bengal Delhi, Madhya Pradesh, Rajasthan, Haryana and Himachal Pradesh (Trivedi , 2010). Ganga as a sacred river The cultural landscape of the river has evolved in connection with the divine approach that the community associated with the river has linked with. To understand the socio ecological aspects in connection with the river it is important to understand the perception of the population connected with Ganga. The predominant socio religious concepts of India have considered water bodies as sacred. Rivers are perceived as extensions and partial manifestations of gods (Shiva, 2002). The Hindu mythology states that the existence of life on earth has been made possible due to the flow of heavenly water (Shiva, 2002). Connecting, this to the fact that, Himalayas, where The Ganga originates from is considered to be heaven, the mythological relevance of Ganga as a scared river can be assumed. The sacredness of Ganga has been nourished by the socio cultural ambience of the places through which it flows. Ganga flows through a number of scared cities including Haridwar, Rishikesh, Badrinath, Gangotri, Kedarnath, Varanasi and Allahabad. This stretch of landscape stretching across the Himalayan zone and the Indo-Gangetic plain creates an ecological system which connects to the Hindu mythology. This ecological system spreads beyond a physical space. It is a combination of natural resources, mythical concepts, religious structures, biological systems and rituals (Shiva, 2002). The Socio-cultural landscape of Ganga As mentioned earlier, the landscape of Ganga

Designing a Diversity Workshop for University Faculty Incorporating Research Paper

Designing a Diversity Workshop for University Faculty Incorporating Multicultural and International Objectives - Research Paper ExampleDiversity, in historic period gone by, was not embraced. In fact, it was often shunned to the point where the country saw many colleges and universities rise to the level one race, one religion, and one culture. To continue with this utilise would not only be an injustice to savants around the world who have come to cherish our individual freedoms and liberties, entirely it would service to deny faculty and the schoolchild body alike the privilege of learning in a multi-cultural environment. Understanding and accepting people of other cultures and beliefs do not have to be a daunting task. It simply requires compassion and a desire learn from and embrace others. Our university might be small in number, but we have the capacity to word a cultural awareness that rivals institutions much larger than our own. Our own faculty is diverse, yet we have failed to tap into this reality. We should be making use of our broad sick of professional and military experience in order to better understand the diversity existent around us and to use the knowledge to impact our student body as well. This bringing up program has been developed with our faculty in mind. It result focus on the instructional methodologies inherent in multicultural education, and it will create a sense of global awareness amongst us all that we must be conversant with the latest educational issues, diversity, and multicultural theory. It is in so doing that we will truly become a global institution who can make a positive impact in the field of education, while comprehend multicultural diversity and becoming more accepting of each student and staff member who passes through our illustrious halls. Purpose There is no misinterpretation that the world is becoming increasingly diverse, yet this same diversity has not been reflected in the field of higher education . According to Hill, et. al (2011), only 10% of pull in Doctorates in the fields of science, technology, engineering, and mathematics are represented by minority groups (p. 20). This not only leaves a great gap in these critical fields, but it indicates a troubling trend. If universities cannot embrace multicultural education, then society will be losing out on valuable learning opportunities moving forward. This purpose of this training workshop is to reverse this trend by providing faculty members with the tools necessary to incorporate multicultural education into the classroom, thereby encouraging diversity and an exchanging of scholarly and academic ideas crossways cultures. Embracing the diversity amongst us, a further purpose of this workshop will be to share various pedagogical techniques with one another that will behave to enhance our own multicultural understanding. Our students are increasingly coming from a diverse background and we must work together with all studen ts to foster an air travel of understanding and respect. This begins with the faculty, each of who has valuable experience to draw from in the field of diversity education. Embracing all people does require, to some extent, a shift in our way of thinking and the methods that we employ in our disciplines. It has been noted by some faculty members at other institutions that, Fundamental and sustainable change is possible, given the aright combination of vision, compromise, and commitment (Grogan & Vaz, 2003, p. 35). It is this primary need for change that forms the basis for this

Petroleum economcs and project management Assignment

Petroleum economcs and project management - Assignment ExampleOPECs first price dance orchestra mechanism was developed at its 109th meeting of its Conference in March 2000. This mechanism directs that the price of a barrel will range between $22-$28 in order to balance wheel the needs of both the consumers and producers. This method has ensured that OPECs role in stabilizing the market place is successful because since its inception, the average price of a barrel has been $25.30 per barrel. However, this price band mechanism states that 500,000 barrels per dollar should be added to the market in instances where prices rise above $28 per barrel. This is to ensure that cartels in the industry do not analyze advantage of high prices and create a shortage hence destabilizing the market. (Alvaro, 2003)As assort of its role in ensuring stability in the oil market, OPEC is supposed to barter with shortages that arise from political instability in oil producing areas that may lead to sprawling up of prices. For instance the 2000 kinsfolk 11 incidence in the regular army fol littleed by war in Iraq lead to war premium a speculation of oil shortage due to effects of war. Therefore as part of its role in ensuring stability, OPEC convened a consultative meeting to discuss on the ways of countering the looming shortage. This conference was aimed at finding ways in which OPEC could provide assurances to the market that its member countries have the capacity to overcome any shortfall that may occur due to war in Iraq. During the conference, it was agreed that member countries raise their outputs to level best to meet the market needs and at the same time reduce actual production so as to ensure the threat of over-supply during the season of low demand. (Edmund, 2006)Also, OPEC must demonstrate its commitment to ensuring that the prices do not rise and fall unstably. For instance, in the wake of the price weakness that followed the tragic bomb in September 11 and the war in Iraq, OPEC used the price band strategy in

Research Assignment Paper Example | Topics and Well Written Essays - 1500 words - 1

Assignment - Research Paper ExampleNevertheless sometime the terms negotiating and bargaining are employed to depict the same process. The primary train of collective bargaining is to reach a conclusion of an issue. Some of the major subjects on which collective bargaining takes place are higher pay packages, much leaves, increase in the number of employees for a particular job, to improve the condition of working, demand for additional facilities, rules and regulations pertaining to hiring and firing, promotion of workers, procedures of lodging complaints, safety within the workplace and virtually the different policies of the organization. Sometime amounts also demand for shorter working hours (Beaumont 43). On the other hand collective bargaining agreement can be defined as the agreement in written form between the union and the employer. It reflects the terms and conditions, rights, responsibilities and the privileges of the employers (The joint Bargaining Process). Such bar gaining agreements or the union contracts pass away for a period of one to five years. However the most common period is of trine years. A collective bargaining mainly follows an eight tread approach. The approaches are preparing, arguing, signaling, proposing, packaging, bargaining, closing and agreeing. In the context of United States whenever an agreement is reached by the process of collective bargaining, the conditions of that contract are written down into a licitly enforceable bargaining agreement or a union contract. In order to provide a real life example of collective bargaining, legitimate electronic sources fix been used. It was about the registered nurses of Tufts Medical Center. The nurses were the members of the Massachusetts Nurses Association. They bargained with the management regarding the staffing changes for facilitating better care of the patients, appointment of extra nurses during busy hours (Real-Life Examples of Collective Bargaining). After the negoti ations they have been able to ratify the contract in the year 2011. Hence it was a successful collective bargaining. Works Cited Beaumont, Phil B. Safety at Work and the Unions. London Routledge, 1983. Print. The Collective Bargaining Process. Ilocarib. n.p., n.d. Web. 24 Sep. 2012. . Real-Life Examples of Collective Bargaining. collectivebargainingfacts. AFL-CIO., 2011. Web. 24 Sep. 2012. . Question 2) List and deal three U.S. laws that support collective bargaining, and three examples of employer unfair labor practices. Also discuss the laws. Solution The three U.S. laws that support collection bargaining between the employee representatives and the employers are the Labor-Management Relations Act, 1947 National Labor Relations Act (NLRA), 1935 and Labor-Management Reporting and Disclosure Act, 1959. The three unfair labor practices include sacking a union supporter, discrimination against the employees based on various factors, threatening the employees on taking up union activi ties. The laws are discussed below- Labor-Management Relations Act, 1947 - The labor management relations Act of 1947 is also known as Taft-Hartley Act. It was an amendment of NLRA act of 1932. The Princeton university website highlights that the act was passes in the year 1947. The