Compare and Contrast between Islamic and Conventional Banking Term Paper

Look into among Islamic and Conventional Banking - Term Paper Example However, riba or intrigue isn't accurately characterized in the Quran at the hour of its denial. The forbiddance of intrigue is commonly comprehended to allude to any addition far beyond the head. It speaks to the arrival on exchanges including trade of cash for cash, or an expansion, in view of deferral in installment, to the concurred cost at a bargain obligations/obligations. From an Islamic perspective under some idea of decency, there are two measurements: the provider of capital has an option to remunerate, however this prize ought to be comparable with the hazard and exertion included and ought to be dictated by the arrival acknowledged on the individual venture for which assets are provided (Abdi, 2010, p 80). One of the essential reasons embraced by Muslim researchers is that the presence of riba (enthusiasm) for the economy is a type of monetary abuse, which disregards the center Islamic instructing of social equity. In this way, the end of enthusiasm from the monetary fram ework would be more â€Å"fair† and morally and ethically progressively suitable financial conduct. The denial of intrigue (riba) and consent of exchange drive the budgetary exercises in an economy towards resource supported organizations and exchanges. This infers every single money related exchange must be illustrative of genuine exchanges for the offer of products, administrations or advantages (Abdi, 2010, p 81). Intrigue free credits (elective for usury) Islamic monetary organizations must concentrating on expanding benefit, yet they ought to likewise assume an imperative job in tending to financial issues, for example, destitution decrease and upgrades in significant parts of human government assistance (like instruction, absence of education, diminishing youngster mortality, youth weakness and...Generally, value financing under non-Islamic money, savers would give assets to ventures as a byproduct of an offer in its planned net returns just as an offer in its administr ation. Be that as it may, conversely, benefit sharing subsidizing of activities under Islamic fund isn't for the entire existence of the financed venture, yet for a shorter period, as on account of giving working capital. Benefit sharing account might be given and without partaking in the executives, Linked with benefit sharing is the idea of hazard sharing. This depends on the standard of risk, which expresses that benefit is supported dependent on one’s commitment to assume a misfortune. This lawful adage is supposed to be gotten from a truism of the Prophet Mohammed that â€Å"profit accompanies liability† suggesting that Shari’a recognizes legitimate benefit from every single other type of increase. One gets qualified for benefit simply after one bears the obligation, or hazard, of misfortune. Expense in Islamic banking (Zakat) Zakat-This is the prerequisite to profit society through the assortment of donations, which is known as Zakat Advantages Zakat For society, partial hold framework permits banks to go about as middle people that encourage the development of assets from savers to financial specialists in a general public. There are additionally noteworthy economies-of-scale in banks settling on speculation and loaning choices, as they approach information and skill which singular speculators or moneylenders by and large don't.

Cost Management in Construction

Cost Management in Construction Customer anticipate from the venture chief to oversee costs in an exact and responsive methodology. It is basic, during the structure progress, the task chief to be able to oversee an activities degree and expenses. Spending control is a necessity for a fruitful task. For an effective spending control differences must be recognized and educated moves must be made at primary structure achievements. So as to guarantee the customer that the undertaking will be on spending plan and on schedule, meeting the proprietors targets, an effective cost the board and spending control program must be set up from the theoretical stage to the offer stage. Cost the board and control financial plan, during the structure stage, is anything but a troublesome objective however is an advantageous objective. It is significant on the grounds that changes since it is simpler, during the structure stage, to oblige changes and the expense of such adjustments is lower contrasted with later stages. So as to acco mplish a powerful cost administration and spending control a sorted out philosophy and approach must be built up. Moreover, colleagues must comprehend their jobs and duties, and great evaluating methods must be utilized (Sundaram, 2008). The main regular target of configuration stage cost the board is to assess an adequate and exact financial plan. The subsequent goal is to guarantee that offers are in spending plan. At that point ensure arrangement of spending plan, extension and proprietors prerequisites. The last run of the mill objective is to decrease dangers in view of cost invades. During the structure stage, all the plan colleagues must show a cost cognizant methodology. All individuals from the plan group must utilize cost control, as a structure device, to lessen the dangers of cost invades (Sundaram, 2008). So as to move toward a powerful cost administration configuration, colleagues must show a solid responsibility to the task financial plan and target costs. A cost model must be set up for the quote in help of dealing with the expense viably and followed effectively differences to help dynamic (Sundaram, 2008). Necessities must be oversee so as to offset prerequisites with proprietors moderateness. Degree creeps must be observed and controlled (Macaluso J., et al, 2004).Cost drivers must be considered in help of setting up item details. Cost must be thought of, during improvement, as a basic plan parameter (Crow, 2000). Investigation of plan choices to create lower cost configuration draws near. Worth building and worth examination must be utilized so as to improve item an incentive at limited cost (Crow, 2000). Utilization of constructability survey so as to guarantee, that the undertaking will be done in reasonable, customized cost parameters. At long last, documentation of audit ga therings conversations and affirmations of plan choices must be done (Sundaram, 2008). The previously mentioned targets and approaches of cost the executives in configuration stage will result the accompanying advantages. Progressively exact appraisals would be accomplished and they have thus to improve business choices. Spending cost control would be improved. Change control would be improved and there will be less probability of impromptu extension creep. At last it will improve the opportune recognizable proof of issue territories (Sundaram, 2008). Technique of spending control In a staged arrangement advancement with plan achievements, the evaluated cost is composed at every achievement. Besides, the expense is accommodated with spending plan at every achievement (Figure 1). The financial plan for the venture is refined entirely through the diverse structure stages. All components of the spending plan must be doubtlessly characterized, caught and created during each stage (Sundaram, 2008). As indicated by Sundaram (2008) the suggested ventures for a fruitful spending control are the accompanying. To begin with, the undertaking degree and the venture baselines subtleties must be comprehend. At each structure stage, schematic, plan improvement and development archive stage must be readied a refreshed gauge and track the refreshed gauge against the past stage spending plan for any varieties. So as to recover the task on target spending plan/scope arrangement must be checked. The changes or degree creep must be distinguished and make right exchange offs between extension, quality and extension to contain the task on financial plan. An affirmation must be done that the distinctions among past and current structure costs are accommodated, so as to guarantee that unnecessary changes and expenses have not occur, before continuing to the following stage until the last stage. (Sundaram, 2008). Jobs/Responsibilities of the planner, the estimator, proprietors and partners for compelling cost the board and spending control Besides, for viable cost the board and spending control, it is vital that the estimator and the engineer comprehend their jobs and duties (Sundaram, 2008). The job of the temporary workers estimator is fundamental to the accomplishment of the association. The estimator is answerable for anticipating the most monetary expenses for development in a manner that is both clear and reliable. Albeit an estimator will have a vibe at the costs in the commercial center, it is the duty of the board to include a sum for general overheads, survey the dangers and transform the gauge into a delicate (Brook, 2004). Estimator must comprehend that he assumes a significant job in the entire procedure of spending control. During the structure stage the estimator must facilitate with the plan group. The job of the estimator doesn't end in delivering a gauge. It is basic the estimator to be required from the beginning times in the structure procedure since things can be changed without extraordinary trouble. The estimator must watch structure choices that impact cost and illuminate the plan group, at the most punctual feasible time, of the effect of plan choices. The estimator must put forth attempt to comprehend the plan point in intend to anticipate cost suggestions. He should have the option to offer the best potential development data to the plan group (Sundaram, 2008). Sundaram 2008 additionally express that estimator ought to pass on to the plan group, that notwithstanding the structure factors, last expense is administered by different factors such heightening, association and non-association compensation, and the idea of development (Sundaram, 2008). An oversimplified perspective on the job of the planners is that they make models, and their duties incorporate all that is engaged with doing as such. This would incorporate articulating the structural vision, conceptualizing and trying different things with elective compositional methodologies, making models and part and interface particular archives, and approving the engineering against necessities and suspicions. Be that as it may, any accomplished designer realizes that the job includes these specialized exercises, however others that are progressively political and vital in nature from one viewpoint, and increasingly like those of an advisor, on the other (Bredemeyer Malan, 2006). The draftsman, during the schematic stage, is limited by three limitations quality, cost and size necessities (Figure 2). The modeler is mindful to help the proprietor in picking the needs and furthermore making the right exchange offs. For instance, whenever cost is the essential worry for the proprietor must attempt to contain expenses and make the proprietor to understand the measure of size necessities and quality he will get to suit the financial plan. Moreover, planner should likewise help the proprietor to decide his second and third needs (Sundaram, 2008). During the structure stage designer can make changes in accordance with the materials, the quality or building impact and size necessities. Worth building meetings, including a multidiscipline group, will ensure that proprietors capacities are offered in the most savvy approach without diminishing quality. At this stage, before going on to the development stage, the designer and the proprietor must make certain of the expense. Designer must understand that with the exception of mirroring the plan additionally decides the expense (Sherwin, D. 2009). A survey of the structure, particulars and agreement reports before the offering stage will have accordingly serious offers and less changes later on (Sundaram, 2008). The proprietor is a segment of the structure group and his choices can impact the last offer worth. The proprietor, before affirming the offer bundle, must consider the accompanying contemplations. As per Sundaram (2008) is better the offer bundle to be basic without befuddling reports. Preposterous prerequisites must be dodged and is shrewd to follow demonstrated kind of agreements. All together not to restrain rivalry, the superfluous use offering confinements and the perseverance on assigned providers and subcontractors, must be kept away from. The hazard contemplations and the sufficiency of possibility must be checked. For instance, unit value things ought to be better for things of work which are hard to evaluate. The hazard to temporary worker is evacuated and the proprietor needs to pay for the work really executed (Sundaram, 2008). A fundamental part of an effective task is the relationship with partners. Freeman characterized partners as each one of the individuals who can impact the goals of the firm, or are affected by the fir, in achieving their own destinations. The arrangement of on-screen characters recognized is broad, and incorporates shoppers and providers, representatives, investors, earthy person gatherings, worker's guilds, neighborhood networks and administrative bodies (Keijzers, 2005). In this manner, managing partners is an issue of picking the partners that truly matter. Mitchell et al. express that for this choice procedure there are three standards. The primary model is the force a partner has over the organization (Mitchell et al, 1997). Force centers around the topic of how much the organization needs the assets gave by that partner just (Keijzers, 2005). The subsequent basis is authenticity. This measure concerns authentic cases of a partner on the firm. (Mitchell et al, 1997). For instan ce, governm

Out There

Out There One of my favorite classes this year is CMS.100 Introduction to Media Studies, taught by Ian Condry. Hes a cultural anthropologist; his latest book, The Soul of Anime, examines the notion of collaborative creativity in the context of Japanese anime production and propagation through worldwide fan communities. The idea is, people tend to think of media as having one or a small group of authors or creators; we associate Spirited Away with Hayao Miyazaki, Harry Potter with J. K. Rowling, Portal with Valve,  Beyoncé with Beyoncé. But its actually the case that creative production is an intensively collaborative process, whether that means long meetings with production staff to determine the feel and atmosphere of a new film or the wide variety of fan-produced content ranging from fanart to fan fiction to fan-mixed anime music videos (AMVs) to cosplay. From the professional producers all the way down to the fans, theres a creative energy that drives and develops the universe of a media phenomenonas Condry calls it, the soul of anime. This is one of my favorite classes becauselets face itmedia is everywhere, through Facebook and TV shows and every web site and textbook and advertisement pasted on the side of a bus. Having a dedicated 5+ hours/week to really grapple with topics like how advertising is changing in the 21st century (two words: big data), how fan culture and fan production works for no good economic reason, why and how viral content goes viral, and so onit really changes the way you go about your life. Ive found myself wondering more about how targeted advertising is placed on my Facebook, or how exactly Twitch Plays Pokemon managed to develop not only a following of millions but also a cultish religion, or how Github has enabled remixing and spoofing of  2048 into expressions of everything from doge derps to college rivalries. And since media is everywhere, this class also means I get to write papers on pretty much whatever Im interested inmy first paper was a five-page essay about how Valve has empo wered amateur fan production in  Team Fortress 2. Another reason this is is one of my favorite classes is that we get to go to events for free. The CMS department sponsored me and a few classmates to go to Anime Boston this weekend to attend my professors panel talk with the esteemed  Dai Sato, anime screenwriter for Cowboy Bebop, Ghost in the Shell, and Samurai Champloo (which is an anime about hip-hop and samurai). Professor Condry, being fluent in Japanese, translated for Sato as Sato talked about how he became a screenwriter and his philosophy of writing. One thing Sato said about writing stuck with me: If you want to be a writer, you have to writebut it also helps if you have another skill to draw from and incorporate into your writing. For Sato, that other skill was music and songwriting; he described writing lyrics as a process of matching words to a rhythm, which he uses as inspiration for writing the dialogue in his scripts. Anime and music are also similar in that theyre constrained by timea 3 minute song, a 30-minute anime episodeand there is a challenge to managing that time in the best way possible. Finally, Sato draws from music to create the atmosphere and feel of an anime; for instance, his work for  Eureka 7 is heavily influenced by techno music, and Cowboy Bebop has a distinct jazz flavor. Another thread of discussion focused on Satos current work with a series called Space Dandy. Space Dandy is heavily influenced by the 1970s and 1980s (though its set in the future, characters still use boom boxes, cassette tapes, and computers with punch cards). The 70s and 80s were also what some describe as a golden age for animeseries like Gundam and Lupin III gained global popularity and gave anime an unprecedented and very unexpected worldwide audience. Sato commented that like fashion, like music, anime seems to have a 20 or 30-year cycle; but since anime only made it big in the 1970s and 80s, the industry is only now going back and drawing inspiration and influence from that original golden-age work.  Space Dandy also seeks to challenge the increasing trend of moe anime, so-called cute little girl anime. As Sato said, with moe its now often true that you dont really need a story; just the feel and the atmosphere. Space Dandy is attempting to push back a little by exploring dee per topics and taking the artistic style in a more mature direction. After the panel, our group wandered through the Artists Alley and the Dealers Room, where all sorts of artists and craftspeople were selling their wares. Prints of everything from Elsa from Frozen  to Sherlock slash pairings, plush My Little Pony beanies, bookmarks, postcards, t-shirts everywhere. It was a veritable visual explosion of colors and fandoms mixing together. Couple in the cosplayers, and you get quite a scene; picture Data from Star Trek: TNG  browsing through the Rise of the Guardians prints  with Princess Bubblegum from Adventure Time while  a whole group dressed as Batman villains gets asked for a photograph by somebody dressed as Loki. Thats another thingeveryone is ridiculously nice. The people on the down escalators reach over to their neighbors on the up escalators for high-fives as they pass each other, and every few minutes you can hear somebody saying you look so pretty! or that costume looks badass! nice job! to somebody else. The sense of fan community is rea lly apparentits one thing to read about collaborative creativity in my professors book, but its quite another to actually attend a con and see what the fandom is like in-person. We wrapped up the night by heading to Chinatown and sitting down for some good old scallion pancakes and fried rice and Chinese broccoli for dinner, stopping by a bakery for roll cake and egg tarts afterwards. Boston is beautiful at night, doubly so when youre with friends, and triply so when you and your friends are in full cosplay. Sure, you get some odd looksbut you also get compliments. One of my friends was in a blond wig (dressed as Kise from Kuroko no Basuke) and got stopped multiple times by people saying how pretty her hair was. I was thankfully in a less noticeable outfit, as Id updated my Princess Luna costume from Halloween  with the help of a sewing machine I recently began learning to use. The MIT Maker culture is thriving, and it doesnt just refer to making robots and hacking together webapps. Clothes count too! So that kicks off spring breakIll probably be in lab all week with the Design/Build/Fly team as competition day approaches on the weekend of April 11-13. I cant say much yetfor competitions sake, the airplanes design is a closely guarded secretbut expect blog posts about it soon :) Allan

Strengthening The Homeland Security Enterprise Through...

Strengthening the Homeland Security Enterprise through Intelligence Reform and Integration Kevin Weston HM598: Applied Research Project Capstone Professor: Mary Lannon 15 June 2015 Abstract On September 11, 2001 Al Qaeda operatives executed a violent and lethal terrorist attack against the United States. The attacks against the north and south towers of the World Trade Center, United Airlines flight 93, and the Pentagon, have collectively been deemed the deadliest terrorist attack to take place on American soil in the history of the United States. The appalling attacks against New York City and the nation’s capital triggered an immediate assessment of the intelligence community, existing anti-terrorism policies and methodologies, and the overall structure of the United States intelligence community. More specifically, the federal government began to assess its existing capabilities to ensure domestic homeland security and enhance the security posture of the United States. An array of after-action reports indicated that communication and collaboration between varying government agencies was limited and very difficult to navigate. More specifically, intelligen ce agencies were extremely restricted and compartmentalized and as a result of such lapses, Al Qaeda was successful in their attack planning and execution. Although there has been a recognizable improvement in communication throughout the intelligence community, the United States must evolve andShow MoreRelatedThe Capabilities And Limitations Of Intelligence Essay2211 Words   |  9 PagesTopic 1: What are the capabilities and limitations of intelligence in supporting homeland security efforts? Former Secretary of Homeland Security Michael Chertoff once said, â€Å"Intelligence analysis lies at the heart of everything we do,† (Blum, 2016). In the post 9/11 world, this seems like common sense. 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Public Health - 1163 Words

PUBLIC HEALTH Health is the word used to describe how your body feels. Being healthy is important because it makes you feel good and live longer. The field of health psychology is focused on promoting health as well as the prevention and treatment of disease and illness. Health psychologists also focus on understanding how people react, cope and recover from illness. Some health psychologists work to improve the health care system and the government s approach to health care policy. Health is the level of functional or metabolic efficiency of a living being. In humans, it is the general condition of a person s mind and body, usually meaning to be free from illness, injury or pain (as in good health or healthy). The World Health†¦show more content†¦It is also a field that is concerned with limiting health disparities and a large part of public health is the fight for health care equity, quality, and accessibility. The field of public health is highly varied and encompasses many academic disciplines. However, public health is mainly composed of the following core areas: ROLE OF PUBLIC HEALTH OFFICER The objective of the health officer manual is to support effective public health practice of local health officers by providing a collection of relevant guidance documents related to issues that health officers are likely to encounter. Although many of the documents are available in various locations and websites, the collection allows the local health officer to find many items in one location. These documents support the health officer role and local response to various environmental health related conditions. The health officer manual is being updated in 2011 to offer the most current information available (last update was 2003) and sections will be periodically updated as newer versions of guidance documents become available. The role of public halth officer are as follows:. 1. 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Accounting Standard-Setters Free Essays

Accounting standard-setters have an expectation that the readers of general purpose financial reports have a ‘reasonable knowledge’ of accounting. Specifically, the IASB Framework states that ‘users are expected to have a reasonable knowledge of business and economic activities and accounting and a willingness to study the information with reasonable diligence’. Hence, there is an expectation that financial statements are not tailored to meet the needs of people who have not, in some way, studied financial accounting. We will write a custom essay sample on Accounting Standard-Setters or any similar topic only for you Order Now Students should be encouraged to consider whether this expectation is in itself ‘reasonable’. As Chapter 2 states, there is an expectation held by accounting standard-setters that users of financial statements have a reasonably sound knowledge of financial accounting. For example, within the IASB Framework (which is also the Australian Accounting Standards Board (AASB) Framework) reference is made to users who ‘are expected to have a reasonable knowledge of business and economic activities and accounting and a willingness to study the information with reasonable diligence’. Within the United States Conceptual Framework Project, reference is made to the ‘informed reader’. Hence, a view has been adopted by the regulators that users of financial statements should have a certain level of knowledge, and when accounting standards are being developed, this level of knowledge is assumed. In defence of this position, we could probably argue that if such an assumption was not made then the development of accounting standards would be much more difficult and time consuming given that the standard-setters would need to consider how uninformed users might react to the particular standards. The position adopted is also consistent with other professions which also typically assume a certain level of expertise when developing guidance for their professions’ members (however, we need to be careful with justifications like this—just because others do a certain thing does not mean it is the ‘right’ thing). If users find it necessary, there are many experts who would be available to provide advice on how particular numbers were derived. Of course, such advice will generally be at a cost which does raise the issue that it can be costly for some individuals to gain an understanding about the operations of organisations that perhaps have an impact on their ongoing existence. Hence, while there is arguably a ‘right-to-know’, for people without an accounting knowledge this right can only be exercised at some cost. In making this judgement, students should consider the various articles that frequently appear in newspapers, and various discussions that occur on television and radio in relation to an organisation’s profits. Rarely is any mention made of the accounting methods used, even though the profits ultimately reported are directly a product of the many decisions that would have been made regarding how particular items should be accounted for (if possible, direct reference should be made to a number of articles which discuss organisations’ reported profits). Hence, it does appear as if profits are often held out as some form of ‘hard’, objective measure of organisational performance. In considering why the media might behave in this manner, one possibility is that those responsible for writing the stories are ignorant that financial accounting relies upon a great deal of professional judgement and they might believe that every decision made by accountants is clearly mapped out by a comprehensive system of rules. Alternatively, the writers might consider that people simply do not want to be ‘bogged down’ in the fine detail. As another possibility the accounting profession, through such vehicles as conceptual frameworks, may have successfully cultivated an impression (with the people in the media, and others) that the practice of accounting is objective, and the output of the accounting system is highly comparable between different entities—meaning that one organisation’s profits can appropriately be compared to another. The implications of this approach to reporting profits in the media is that one entity’s performance as represented by its profit might simply be compared to another, and that the entity with the higher reported profit might be considered to be more successful, and therefore to represent a better investment. Its management might also be considered in a more favourable light than the management of the entity with the lower reported profits. Implications such as this, however, assume that readers and media listeners do not appreciate that profits are directly related to the various accounting choices made. Advocates of an efficient market perspective, however, might argue that as long as the information about accounting method selection is made public somewhere, such as in the annual report, then the market (for example, the capital market), on average, will be able to understand how the adoption of particular accounting methods affected reported profits, and hence the market will not simply fixate on the final numbers reported. There are differences in opinion about the efficiency of markets, such as the capital market. A further point that could be raised in relation to this question is that accounting ‘profits’ are not a comprehensive measure of organisational performance given that accounting profits typically disregard many of the social and environmental implications of a reporting entity. How to cite Accounting Standard-Setters, Essay examples

“The Wifes Lament” Summary and Analysis free essay sample

The Wife’s Lament The poem The Wife’s Lament is known very well within the Anglo Saxon elegy, although to this day, this challenges some scholars to be, in fact, a riddle. However, The Wife’s Lament is an elegy that is being told from a female narrator mourning for her husband and reflecting on her loss. This shares the same characteristics as an elegy, this includes the passing time, exile, longing, separation, and pain. This poem has been characterized as a riddle, That the narrator displays an element of mystery in his/her writing. Most Anglo Saxon elegies are monologues spoken by an undefined character that is cut off from human society, friends, family, and the comfort of their own home. Losing her importance and role in society by exile, as well as her sense of belonging, therefore, she experiences loneliness throughout the passing of time, wishing she would get a life of happiness she had once known. We will write a custom essay sample on â€Å"The Wifes Lament† Summary and Analysis or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This allows us the reader the feel the aching of absence, separation, and longing using vivid imagery. Though Faye Walker Pelkey, a literary scholar, has pointed out that the poem has â€Å"riddle-like flavor† (Making The Wife’s Lament possible one of the more perfect Anglo Saxon riddle ever written), this remains an expressive, complex, and emotional Anglo-Saxon elegy with the consistent tone of longing. She didn’t deserve what she was handed per se because, she was exiled by her husband, her, and her happy lifestyle. The husband should not have done as he did but he allowed this to happen to leave her lonely for the rest of her life. However, she stayed strong and continued to believe her husband cared and loved her even after everything had gone on. She is also left in agony due to her lord being in a cold, dark desolate place. This was a tense poem with some pithy to the story of this woman that has some metaphorical context. Anglo Saxon poems are meant to have sorrow to allow the person to feel the emotion of the story. She was exiled by her husband and because of her lord forsook his people. Her husband allowed this to happen to her which he should not have put in this time period this was their way of punishments. This poem was one if not the best riddles of the Anglo Saxon elegy displaying a lot of mystery from her story she has told.