...Devices that Assist People with Disabilities Sheewane Davis Mercer University In the 2008 Census, over 10 million Americans reported a daily activity limitation and their activities of daily living (ADLs) usually required assistance from tools or caregivers. Moreover, about 0.3 million Americans have experienced a serious spinal cord injury (SCI), for whom essential tasks, such as dressing, preparing food, or taking medications, usually require the assistance from personal caregivers. However, the shortage and high cost of experienced caregivers fail rapidly growing needs for personal assistance. Technology which aids in these tasks is in great demand and it must allow the user to independently and safely control both mobility and manipulation in their home or the community. Robotics technology has been widely applied in rehabilitation technology and assistive devices to enhance the performance of assistance and quality of life of people with disabilities. By attaching a robotic manipulator to a mobile base, such as a wheelchair or a mobile robot, several robotic assistive devices have been developed to provide both mobility and manipulation assistance to people with severe physical impairments. However, most existing devices only provide a single-arm manipulation, which greatly reduce their efficiency of assistance and restricts their ability to perform complex manipulation tasks which require the involvements of both arms, for example, open the refrigerator with one arm...
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...LAPORAN INTERNSHIP 3+1 DI PT. MATA AIR PERSADA LAPORAN MAKALAH PROJECT MANAGEMENT Oleh Sutrisno Wijaya 1601279775 UNIVERSITAS BINA NUSANTARA 2015/2016 LAPORAN INTERNSHIP 3+1 DI PT. MATA AIR PERSADA LAPORAN MAKALAH PROJECT MANAGEMENT diajukan sebagai salah satu syarat penilaian program internship 3+1 Jurusan Arsitektur Jenjang Pendidikan Strata-1 Oleh Sutrisno Wijaya 1601279775 JURUSAN ARSITEKTUR - FAKULTAS TEKNIK UNIVERSITAS BINA NUSANTARA JAKARTA 2015/2016 Halaman Pernyataan Orisinalitas Universitas Bina Nusantara Pernyataan Laporan Akhir Magang Pernyataan Penyusunan Laporan Akhir Magang Saya, Sutrisno Wijaya, dengan ini menyatakan bahwa Laporan Akhir Magang yang berjudul : LAPORAN INTERNSHIP 3+1 DI PT. MATA AIR PERSADA adalah benar hasil karya saya dan belum pernah diajukan sebagai karya ilmiah, sebagian atau seluruhnya, atas nama saya atau pihak lain. Sutrisno Wijaya 1601279775 Disetujui oleh Pembimbing Universitas, Pembimbing Perusahaan, dan Ketua Jurusan Michael Isnaeni Djimantoro, S.T., M.T. Dani Rusmana, S.T. D3415 Pembimbing Perusahaan 31 Juli 2015 31 Juli 2015 Dr. Nina Nurdiani, S.T., M.T. Ketua Jurusan Arsitektur 31 Juli 2015 KATA PENGANTAR ...
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...OCP REPORT A COMPARATRIVE STUDY ON UTILIZATION OF FUNDS BETWEEN A CONVENTIONAL BANK AND AN ISLAMIC BANK: A STUDY BASED ON TRUST BANK LIMITED AND ISLAMI BANK BANGLADESH LIMITED (TBL & IBBL) (This OCP report has been prepared for the partial fulfillment of the degree of Bachelor of Business Administration with a major in Finance & Banking) Supervised by: Mr. Serajul Islam Assistant Professor Department of Business Administration International Islamic University Chittagong Prepared by: Md. Kamrul Hasan ID: B081030 Major: Finance & Banking Program: BBA OCP Duration: March-April 2012 Submission Date: _______________________________ Signature of the Supervisor Department of Business Administration Faculty of Business Studies [pic] Letter of Submission Date: To The Dean Faculty of Business Studies International Islamic University Chittagong Subject: Submission of OCP report Dear Sir, With due respect, I have the honor to submit the OCP report prepared on “A comparative study on utilization of funds between a Conventional bank and an Islami bank (A study based on TBL and IBBL)” as per the requirement of my Bachelor of Business Administration (BBA) program which may kindly be accepted favorably. It is to be mentioned that I have been working on the credit management and fund management of Trust Bank Limited and Islamic Bank Bangladesh Limited through collecting data from books, record and internet. It would...
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...Tobago. Imrān N. Hosein 2007 Free downloads of several books written by this author are available at his website: www.imranhosein.org Online purchases of the author’s books and DVDs of lectures can be made at: www.ummahzone.com Books and DVDs of lectures can also be ordered from the distributor: Al-Tasneem Sdn. Bhd. 35-1, 1st Floor Jalan Melati Utama 4, Melati Utama Setapak, 53100 Kuala Lumpur, Malaysia Tel: 603 – 4107 2999 Fax: 603 – 4108 9815 Email: tasneem@streamyx.com The author would welcome comments on this booklet emailed to him at: ihosein@tstt.net.tt; or inhosein@hotmail.com 2 CONTENTS Preface Chapter One: Chapter Two: Chapter Three: Chapter Four: Introduction Money in the Qur’ān and Sunnah The Grand Design The Grand Design and the Judeo-Christian Alliance Chapter Five: Notes Our Response 3 PREFACE I am happy that this booklet was written here in Kuala Lumpur, Malaysia, a city which has been so kind and hospitable to me over the years, and was completed in blessed Ramadān 1428H while I am still engaged in a year-long Islamic lecture-tour, and far away from the comforts of my home in the Caribbean island of Trinidad. A writer who writes a book while travelling, as many distinguished scholars of Islam have done in our glorious past, suffers from the disadvantage of not having access to his library of books, and often has to quote from memory. As such, minor errors can result from lapses of memory. I seek forgiveness for such. The size of this...
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...PART 1: RIBA AND INTEREST......................................................................................... 4 Question No. 1). What is Islamic Banking? ................................................................................................ 4 Question No. 2). What is the philosophy of Islamic banking?.................................................................... 4 Question No.3) What is Meant By Riba? .................................................................................................... 5 Question No.4) What is interest? Is there any difference between interest and Riba? ............................ 5 Question No. 5) What are the different kinds of Riba?.............................................................................. 6 Question No. 6). What are the revelations/verses in Holy Quran regarding prohibition of Riba/interest? ........................................................................................................................................................................ 7 Question No. 7) What are the sayings/Ahadith about Riba/Interest? .................................................... 10 Question No.8) Are there any injunctions against Riba/usury in religious texts other than Holy Quran? ...................................................................................................................................................................... 12 Question No. 9) Does interest/Riba is related...
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...conventional banking. The results revealed that most of the people do not have adequate knowledge of the concepts of Islamic Banking. Some of the participants did not even know that “Riba” is forbidden in Islam. Less awareness about the Islamic banking concepts can be the main cause of negative perception among general public. This study also revealed that many people think that Islamic banks have not played their proper role in creating the awareness and knowledge about the concepts and working of Islamic banking. The study might help the Islamic Banks to reconsider their marketing strategies so that the negative perceptions of the general public may be changed to a positive one. Key Words: Islamic Banking, Perception Introduction: Islamic Banking is relatively new concept as compared to conventional banking. The history of conventional banking dates back to about two hundred years. Whereas Islamic banking is only in its infancy stage and started only about 17 years ago. People are so used to the conventional side of the banking that it is a little hard for them to understand the Islamic Banking concepts and the working and services offered by them. The operations of Islamic Banking are based on the Shariah guidelines provided by Islam. Islam prohibits all business activities involving “Riba” interest. Islamic Banking transactions are based on the profit & loss sharing principles. All transactions carried out in the Islamic Banking system are based on fair and legitimate...
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...How is Regeneration relevant to society and Interior Design? Contemporary Influences on Interior Design VA0521 The critical theme I intend to investigate in is regeneration, regeneration is a action of renewal of something which is in a poor condition and transforming it with the outcome of improvement. As I am currently working on a project which involves the old Monument Mall, Blackett Street, Newcastle which has now been transformed in to beautifully designed retail stores and restaurants. One of the main purpose’s behind regeneration is usually to do with the deterioration in the architecture, many buildings which are hundreds of years old need revamping eventually. Regeneration can be seen as a benefit in ways, instead of completely demolishing deteriorated buildings as it is encouraging sustainability by making the most of its resources this assisting the environment. A benefit of regeneration also known as urban renewal would be more employment in the society, the more a building is expanded and improved, the...
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...insurance arrangement avoids the prohibitions against gambling and interest in Islamic Law. Takaful, it originates from the Arabic word Kafalah, which means "guaranteeing each other" or "joint guarantee". It is based on the principles of ta’awan (mutual cooperation) and Tabarru’ (donation), where a group of takaful participants (policy-holders) agree between themselves to share the risk of a potential loss to any of them, by making a donation of all or a part of their takaful contribution (premium) to compensate for a loss. Takaful-branded insurance is based on Shariah, Islamic religious law and refer the principle of cooperation, not sale or exchange, and mitigates the objectionable aspects of gharar (uncertainty), maisir (gambling) and riba (interest). In conventional insurance the risk is transferred from the policyholder to the insurance company which brings the elements of uncertainty and chance in contract as one of the two a party makes a loss. Takaful is a structure in which the risk is shared between all participants, removing the elements of uncertainty and gambling from the contract. Moreover, a takaful fund invests the contributions in a shariah compliant manner, avoiding any interest-based instruments. In addition, any surplus will be redistributed to the participants. The takaful company therefore only manages...
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...one group and lends to other group of people. So bank performs the duty of financial intermediary. Usually there are two types of banks, conventional banks and Islamic banks. In simple words Islamic banks operate in interest free system. Prohibition of interest is ordained in Islam in all forms and intent. This Prohibition is strict, absolute and unambiguous. The Holy Qur'an in verse 278 of Surah Al-Baqarah states: "O ye who believe! Fear Allah and give up what remains of your demand for Riba, if ye are indeed believers." Verse 2: 279 says: "If you do it not, take notice of war from Allah and His Messenger. But if ye turn back, ye shall have your capital sums. Deal not unjustly and you shall not be dealt with unjustly." It therefore, follows that interest is prohibited as it leads to injustices and Islam is against all forms of injustices and exploitations and pleads an economic system, which aims at securing extensive socio-economic justice. The Islamic law of prohibition of Riba, which includes interest, was originally not based on economic theory but on Divine Authority, which considers the charging of interest as an act of injustice (Dr. Siddiqui). Islamic banks appeared on the world scene as active players two decades ago. But many of the principles on which Islamic banking is based have been commonly acceptable all over the world for centuries rather than decades, as it is evident that Islamic finance was practiced predominantly in the Muslim world throughout the...
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...[pic] ASA Tower, 23/3 Bir Uttam A.N.M. Nuruzzaman Sarak, Shymoli,Dhaka. 1207. Internship Report On “Modes of Investment of IBBL” Submitted To Dr. Md. Abdul Hye Professor & Dean Faculty of Business ASA University Bangladesh (ASAUB) Submitted By Sheikh Refath Jessan ID. No: 091-12-0293 Section: ACT-6A Major: Accounting Batch: 6th Program: BBA ASA University Bangladesh (ASAUB) Date: December 30, 2012 December 30,2012 Dr. Md. Abdul Hye Professor & Dean, Faculty of Business ASA University Bangladesh (ASAUB). Dear Sir: SUBMISSION OF INTERNSHIP REPORT I have the pleasure to submit the internship report on ‘Modes of Investment of Islami Bank Bangladesh Limited (IBBL)’ for your kind perusal and evaluation. It is a matter of immense pleasure for me to have the opportunity to prepare internship report on, ‘Modes of Investment of Islami Bank Bangladesh Limited (IBBL)’. I am grateful to you for allowing me to carry out such work and necessary co-operation and assistance from you during my report. I believe that the knowledge and experiences acquired while conducting this study will help me in many ways and the readers as well in future. I have tried my best to accommodate my ideas and findings as specifically as you asked about within the time frame and resources available I would like to mention that there might be some errors in the report...
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...RISK MANAGEMENT IN ISLAMIC BANKING AND FINANCE: THE ARAB FINANCE HOUSE EXAMPLE Bilal A. Fleifel A Thesis Submitted to the University of North Carolina Wilmington in Partial Fulfillment of the Requirements for the Degree of Master of Business Administration Cameron School of Business University of North Carolina Wilmington 2009 Approved By Advisory Committee Howard Rasheed Cetin Ciner William H. Sackley Chair Accepted By DN: cn=Robert D. Roer, o=UNCW, ou=Dean of the Graduate School & Research, email=roer@uncw. edu, c=US Date: 2010.01.21 15:02:51 -05'00' ________________________ Dean, Graduate School TABLE OF CONTENTS TABLE OF CONTENTS ..................................................................................................... ii ABSTRACT........................................................................................................................ vi ACKNOWLEDGMENTS .................................................................................................. vii DEDICATION .................................................................................................................. viii LIST OF TABLES .............................................................................................................. ix LIST OF FIGURES...............................................................................................................x GLOSSARY .............................
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...page intentionally left blank WORKING DRAWINGS HANDBOOK Fourth Edition Keith Styles and Andrew Bichard Architectural Press An imprint of Elsevier Linacre House, Jordan Hill, Oxford OX2 8DP 30 Corporate Drive, Burlington, MA 01803 First published 1982 Second edition 1986 Third edition 1995 Reprinted 1998, 2000, 2002, 2003 Fourth edition 2004 Copyright © 2004, Keith Styles and Andrew Bichard. All rights reserved The right of Keith Styles and Andrew Bichard to be identified as the authors of this work has been asserted in accordance with the Copyright, Designs and Patents Act 1988 No part of this publication may be reproduced in any material form (including photocopying or storing in any medium by electronic means and whether or not transiently or incidentally to some other use of this publication) without the written permission of the copyright holder except in accordance with the provisions of the Copyright, Designs and Patents Act 1988 or under the terms of a licence issued by the Copyright Licensing Agency Ltd, 90 Tottenham Court Road, London, England W1T 4LP. Applications for the copyright holder’s written permission to reproduce any part of this publication should be addressed to the publisher Permissions may be sought directly from Elsevier’s Science & Technology Rights Department in Oxford, UK: phone: ( 44) 1865 843830, fax: ( 44) 1865 853333, e-mail: permissions@elsevier.co.uk. You may also complete your request on-line via the Elsevier homepage (http://www.elsevier...
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...Q-3 to present your views on the goals of IBF and its responsibility (if any) to a ‘bigger agenda’; between being part of a movement as opposed to being an ‘industry’ Initial or Ideal Goals and Objectives of IBF Based On Chapra Concept and It Is Benefits The idea of Islamic banking was initiated and brought up by some economists who were conscious about socio economic development of Muslim nations based on Islamic principles. It was based on noble vision and objective of Islamic banking base on profit and loses sharing principle. The foundation of Islamic banking theory that they proposed was based on mudaraba and musharakah contracts as mechanism to operate Islamic banking system. “The early contributions on the theory of Islamic banking were only discussed as part of the subject in Islamic economic system. For example, the book by Qureshi on Islam and the Theory of Interest (Qureshi (l946)) which looked upon banking as a social service that should be sponsored by the government like other public institutions such as public health and education.2 His view was based on the point that the bank could neither pay any interest to account holders nor charge any interest on loans advanced. He also suggests the possibility for both Islamic banks and entrepreneur to create a partnership. No mention was made of profit-sharing.” Other economists were come up with different ideas at earlier stages such “the principle of mudarabah...
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...ARCHITECTS ARCHITECTURE OR USERS ARCHITECTURE The construction industry is based around projects. Each project is every time different and unique on its own design, management and construction. Nevertheless a project is not only made out of concrete, wood or any of the materials used on it, a project is a lot more and a lot deeper than that. It is not a quick sketch on a napkin. A project is influenced by its atmosphere which is the location, the client or the user, and even the contractor hired for the project. Architecture is influenced by anything happening around it, which is why it changes every time its atmosphere changes. Böhme states that to experience space in its complete entirety. By inhabiting space individuals can sense the character that surrounds them. Inhabitants sense its atmosphere. Photography, written articles and the interpretation of other viewers of a space cannot compare to individual experience and interaction in interior spaces. Recently this way of interaction has become an important discussion between architects and designers. The process of a project is not anymore unique, and it becomes something functional. It is thought that a template can be followed even when the client or the factors involving the project change every time. For example many architects choose the same sub-contractors for each project as they believe they are trustful and successful, even when the clients have their specific needs and vary...
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...Islamic Banking: Answers to Some Frequently Asked Questions 9 ISLAMIC DEVELOPMENT BANK ISLAMIC RESEARCH AND TRAINING INSTITUTE ISLAMIC BANKING: ANSWERS TO SOME FREQUENTLY ASKED QUESTIONS Mabid Ali Al-Jarhi and Munawar Iqbal Occasional Paper No.4 1422H 2001 Mabid Al-Jarhi and Munawar Iqbal 10 Islamic Banking: Answers to Some Frequently Asked Questions 11Mabid Al-Jarhi and Munawar Iqbal 12 Islamic Banking: Answers to Some Frequently Asked Questions 13 FOREWORD In the last quarter of a century, there has been a great interest in the Islamic banking system both at private and public levels. There is an earnest and widespread desire to understand the system. Academicians, bankers and general public, all, have some genuine questions and concerns. Policy makers in the monetary and financial sectors of the IDB member countries have also often asked the Islamic Research and Training Institute (IRTI) some basic questions of theoretical and practical importance about the elimination of interest from the national economies of Muslim countries and the transformation of the prevailing conventional system to an Islamic one. Some of these questions reflect a desire to understand the basic concepts of Islamic finance while others relate to the creation of an enabling environment through macroeconomic reform and structural adjustments that are needed to establish the Islamic financial system and the complications that arise when an effort is made to bring about the transformation...
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