...the article titled Finance Course Prompts Debate, Patricia Hummel states that “Unless this class is mandated, students will not take advantage of the class.” That statement in some ways is highly correct, but the finance class does not have to be mandatory in order for students to take it. In some cases many students want to take the course and get a better understanding of the financial world and should have that opportunity. In source #1 the article from the New York Times “Working financial literacy in with the three R’s” written by Tara Siegel Bernard, Dartmouth College Economics Professor Annamaria...
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...BRAND IMAGE OF ISLAMIC BANKS SUBMITTED BY TARIQ JALEES LT.COL(RETD) RAZA KAMAL ASSISTANT PROFESSOR DIRECTOR ACADEMICS COLLEGE OF MANAGEMENT SCIENCE PAF-KARACHI INSTITUTE OF ECONOMIC AND TECHNOLOGY KORANGI CREEK , KARACHI-75190 WWW.PAFKIET.EDU.PK UAN 111-723-733 TELEPHONE 5091114-7 FAX 92215091118 RESIDENCE ADDRESS OF TARIQ JALEES 87-Q, BLOCK-2, PECHS, KARACHI, RESIDENCE TELEPHONE 9221-4556308 MOBILE 0300-82007019 EMAL TARIQUEJ2004@YAHOO.COM TARIQJ@PAFKIET.EDU.PK 1 BRAND IMAGE OF ISLAMIC BANKS 1.0.0 Introduction What is Islamic banking? What is brand Image? Both the topics independently have been researched, discussed and deliberated so many times that the readers generally don’t fancy reading them. However, there is not a single research to best of our knowledge wherein researchers may have combined both the diversified topics. Lack of research on “brand image of Islamic bank” was one of the major motivator for undertaking this research. Thus the objective of this paper was to measure the brand image of Islamic banks, and develop the profile of the customers of Islamic banks. 1.1.0 Literature Survey In order to develop the conceptual background, the literature review has been structured as follows: 1.1.2 A brief over view on Islamic banking and literature on consumer behavior, characteristics and perception towards Shariah banks A brief overview of branding imaging concept An Overview Islamic Banking There are about 270 Islamic banks around the world (including subsidiaries...
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...The main issues facing education today are finances and technology. In this paper, I will discuss the impact of finances on the institutions, as well as students and families. What is the role of technology in the education environment? What type of impact is this having and is it a positive one? I will answer these questions first from my findings of surveying educators, parents and students; then, I will look at the current literature. In finding out the answers, I reached out to ten individuals that are educators (3), parents (4), and students (3) to see how they view the impact of technology on education, as well as the financial impact, and the ethical implications of the changes we are seeing in education. From the information I gathered, there we’re a lot of mixed answers, but I did learn that everyone does have an opinion and is very passionate about this topic. From all three educators, I was informed that the pros to technology utilized in the classroom is that it’s another avenue for students that might require a different format of learning; it’s been beneficial. One school district has been overwhelmed with students because they do not have enough teachers, or classrooms to facilitate learning, and a millage increase was voted down that would’ve allowed them to build more classrooms. They have decided for the 2015-2016 school year to utilize technology to help meet their need. Half of the students will come to school for morning classes and have online classes...
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...Report on the ways in which school prepares us, the students, for the world outside Introduction This report is about the ways in which our school prepares us, the students, for the world outside of school. I have researched this by asking numerous students of their opinions, and also by asking some of the teachers how they try to prepare students for their later lives. I also gave teachers an opinion poll where they selected how much they did/did not agree with statements made. Findings * From asking the opinions of students of how well school prepares them for later life, I have found that the general view is that school does not prepare you for later life on the whole and that it only prepares you for work life and teaches you nothing about other crucial elements of life, such as managing money. * Teachers, on the whole as seen from the opinion poll, strongly agree that the current education system, and how it is delivered, prepares you fully for future life. * Some students believe that teachers have the opinion that school fully prepares you for life outside of school because they have not experienced a career like they are teaching their students because they came straight from university and went into working * Despite the general consensus from teachers that the school prepares students for later life fully, some teachers believe that the education system on the whole does not prepare students for life at all because as the students go further...
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...Part II ! As for the future three years before I enter labor force (since I plan to go to graduate school), the biggest thing I want to work on is to find what I really want to do in the future as my career. I am currently a sophomore majoring in Accounting and to be honest, I am not pretty sure about what I want to do for living As long as I am considering right now, there are three possibilities for me as for my career—work in an investment bank as an analyst, work as an author in china. As for being a author, the very first reason is that I love to express my opinions through languages. Indeed I started thinking about being an author when I was in my first year of undergraduate. I was mostly motivated by the book, The Seventh Day, written by Chinese famous journalist Hua Yu. In that book, He expresses his opinions about political, social and economical events though relating fictions life after the death of the main charter. Therefore, I was motivated by his several sentences, hoping to become an author so as to perform my own values in Chinese writing filed. The major difficulty so far that get in the way for me to be a an author here is still the language barrier. The reason is that I did not get the formal training for this. For now, I accept American education, and totally stop accepting any Chinese stuff. In addition, I spend lots of time working on do my Finance and Accounting class, so I don’t have more time to consider my interests or my life goal. Although I had...
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...Students rarely pay much attention towards career when in high school, and once out of high school they face an endless sea of possibilities, pressure from parents and peers and very little time to make the right choice. Rather than having a panic attack, one needs to consider where their interests and abilities lie. Choosing a career that is only based on the consideration of ‘how much money will I earn in future through this career’ can lead to a student choosing a career that although offers money but rather leads to dissatisfaction in the long term. This does not imply that money is not to be considered at all. It simply means that a student choosing between different options should keep a balance between both interest and earning capability when selecting a career. It would be rather foolish of someone to choose a career that is although based on interest, has little or no market value at all. That interest can then be pursued as a hobby but not as a career. What is rather an important consideration in choosing the right career is whether enough finance is available to undertake that degree. Although lack of finance could be a detrimental factor to a student, nowadays different scholarships are available that one can avail. Taking into account all these different elements a student can then make a list of available options and then start narrowing them down based on further research done such as opinion from peers or those already engaged in the respective fields. A...
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...the HCC simulation according to your own personal experience ? What are the two main improvements you would suggest ? In my opinion, the two main strengths of the HCC simulation according to my own experience would be: Firstly, it is really practical and helps me realize that real word, or to say the market is so different from the theories we learnt in school before. Theory can be helpful, but we need to be flexible enough when applying it. Secondly, the HCC simulation made me realize that HR can be really challenging and interesting. I used to have a strong interest in fields like fashion or finance. But after playing this simulation, I might consider finding an internship relating to HR. What are the two main strengths of the HCC simulation according to your own personal experience ? What are the two main improvements you would suggest ? In my opinion, the two main strengths of the HCC simulation according to my own experience would be: Firstly, it is really practical and helps me realize that real word, or to say the market is so different from the theories we learnt in school before. Theory can be helpful, but we need to be flexible enough when applying it. Secondly, the HCC simulation made me realize that HR can be really challenging and interesting. I used to have a strong interest in fields like fashion or finance. But after playing this simulation, I might consider finding an internship relating to HR. What is your personal experience in...
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...and Finances in Education [ 1 ] Running Header: GOVERNMENT ROLES AND FINANCES IN EDUCATION Government Roles and Finances in Education Alisha Ware – Roberson Grand Canyon University Education Foundation and Framework 11-25-2010 | Roles in Public Elementary and Secondary Education | Local | * Uses property tax revenues as a significant funding source * Provided governing body for the operation of a school district is the school board. * Set up and uses Parent-Teacher Organizations to amplify family participation * Responsible for involving students with disabilities in education by providing transportation, occupational or speech therapy, and counseling * Are responsible for the hiring of teachers, administers and other staff members * Sets salaries for district employees * Provides in-service training for employees * Adopt policies and regulations for the operation of schools. * Allocates budgets to different schools/programs * Oversees building construction/maintenance | State | * Have been required to develop and expand existing student assessment systems * Provide technical assistance to schools in need of improvement * Responsible for making rules regarding students with disabilities * Establish guidelines for curriculum * Administers Federal Education Policy * Charter/license schools * Set number of school days * Create school health/safety laws * License/certify teachers * Grant subsidy to schools *...
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...Marsha McMillen Unit 3 Political Science Homework What Public Opinion is and is not? Public opinion is how a group of people looks at a certain public matter, such as politics. Public opinion is not the opinion of everyone it is just a select amount of people that feel a certain way about political matters. One example of personal opinion would be that I would like the schools, to have more teachers in a single classroom. Public opinion would be directed at putting pray and the pledge of allegiance back in the schools. Several factors shape public opinion. Some are, social class, education, region, religion, these are just a few of the factors. Social class and Education are related, because the more education you have the more money you can make to spend on technology and finance. The wealthier you are will grant you a higher place in society, than the less wealthy. In the United States when you are college educated, you are more tolerant, favor civil rights, and you understand different viewpoints. “But on economic issues, many of them are skeptical of efforts to redistribute income by higher taxes on the upper brackets....
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...Islamic jurisprudence is a code of conduct that on the one hand regulates the relationship between Allah and the mankind [arab. ʿibādāt] and on the other hand the economic and interpersonal relationship between individuals [arab. mu’amāt]. Since the entire legal framework of Islamic banking is codified in the Sharīʿah, every Islamic bank in the GCC region and the majority of the remaining Islamic banks worldwide have an in-house Sharīʿah -board that audits the compatibility of the banks’ products and services with the restrictions imposed by the Islamic law. In the following, the main principles of Islamic banking are explained. * Prohibition of riba, gharar and maysir (Qur’an 4:161) The first and most important feature of Islamic Finance and moreover of Islamic commercial law is the prohibition of riba [arab. ribā]. Literally translated, it means “addition” or “process” of growth, whereas the technical meaning of riba is the charging and receiving of any kind of interest. The rationale is that a financial system involving interest leads to an unjust distribution of income in society. The Qur’an does not...
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...I believe that mandatory cumminity service for the country would do more harm than good. I believe the whole point of community service is based of self will and volunteeraly wanting to do so. My opinion is also that mandatory service goes against our constitutional rights as americans. Mandatory service also creates the possabillity of affecting the quality of service givin. My opinion is that mandatory service goes againts constituional rights. United states is the land of the free where people fight for our countrys freedom. This entitles people to be able to do whatever they want to do within the laws. So therefore we would have to change all of our rights based off the decision to make community mandatory. That would change our whole country and how it is operated. I also believe that mandatory service will affect the quality of work done by volunteers. My opinion is that people will have less drive to make the best work they can because of the fact they are being forced. Even tho there would be stipends would be givin, theres possobility that it would not be as much as someone mite have previosly bin earning. That would not be fare to schoalars who have worked hard to earn the luxuaries they have gotten....
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...Hossler and Bontrager (2015) state that the sociological approach focuses on the early stages of one's college journey and "emphasizes the influences of social and cultural capital" (p. 51). Thus, this theory highlights one's social context, such as their social class, community, and high school, as well as parental involvement and expectations. Throughout my first essay, my environment was a strong predisposition that contributed toward my expectation of attending college. Due to my parents' middle-class status, their cultural and social capital garnered them certain knowledge sets. My mother knew how to research for the best school districts and suburbs using the internet, as well as employ her social network of coworkers, college friends,...
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...Students rarely pay much attention towards career when in high school, and once out of high school they face an endless sea of possibilities, pressure from parents and peers and very little time to make the right choice. Rather than having a panic attack, one needs to consider where their interests and abilities lie. Choosing a career that is only based on the consideration of ‘how much money will I earn in future through this career’ can lead to a student choosing a career that although offers money but rather leads to dissatisfaction in the long term. This does not imply that money is not to be considered at all. It simply means that a student choosing between different options should keep a balance between both interest and earning capability when selecting a career. It would be rather foolish of someone to choose a career that is although based on interest, has little or no market value at all. That interest can then be pursued as a hobby but not as a career. What is rather an important consideration in choosing the right career is whether enough finance is available to undertake that degree. Although lack of finance could be a detrimental factor to a student, nowadays different scholarships are available that one can avail. Taking into account all these different elements a student can then make a list of available options and then start narrowing them down based on further research done such as opinion from peers or those already engaged in the respective fields. A...
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...competencies that really affect competitive advantage. School of Business (SOB) it would important to divide the goals that they want to achieve and treat them as separate. For example, the finance department should develop goals to make the program better for the students. Every major program should develop little attainable goals in order to make school better as a whole. The school should create alliances with other business schools in the area and see what are their weaknesses and what can they do to make them better. Big companies could create job opportunities as well as sponsor programs that would incentive students to attend to East Central. In my opinion creating more online courses would be a plus for the school. This would create an opportunity for students that work far away from campus to access the classes. Also scholarship could be an incentive for students to come join the school of business. Current students also could be rewarded for their grades in some kind of way. In the long run they should try to create bigger master programs as well as advising centers that will help students start at a good job. Those are some of the initiatives the school should pursue in the long run. As the article says, one of the most important things in today’s economy is to look at the future. Financial advisor have the job of predicting what is the future going to be like in a couple of years as well as in the long run. Today the school of business serves local students as well as students...
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...Financial literacy is defined by Wikipedia as “the ability to understand finance. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions through their understanding of finances” (Wikipedia, 2012). In the United States has taken several steps over the past decade or so to increase education and understanding of finance. The U.S. Treasury established the Office of Financial Education in 2002, which is responsible for expertise and education of persons within the Department of the Treasury. In 2003 the U.S. Congress also established the Financial Literacy and Education Commission. This department was charged with improving financial literacy of all people in the United States. We can see good and bad financial decisions being made every day just by looking around us. Even though the government has established several different consumer protection agencies some people still do not use them or don’t know how to use them. In turn this leads to bad financial decisions. Looking at the way the government and employers were running things several years ago by making financial decisions for us, “for example by providing health insurance, defined benefit retirement plans and social security” (Cooley, 2010). Now people have to make their own financial decisions for everything. Health insurance within the next few years will be decided by the family as some companies will opt out of their own coverage...
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