Islamic Banking Research Proposal Example | Topics and Well Written Essays - 500 words

Islamic Banking - Research Proposal Example There has been increasing number of people with growing interest in the Islamic banking as a phenomenon and a lot of questions have been raised on its differences from conventional banking. This study will investigate the question that is often raised by most people whether it is an economic or a religious bank. The success of the research depends on the use of both qualitative and quantitative research methodologies. The qualitative methods include interviews conducted face-to-face, online and over the telephone. The interviews cover standard closed question requiring a limited range of answers. This offers precision in categorization of the responses offered. Open-ended questions are also included to give a respondent a wide range of answers to express their opinions, interests, concerns, recommendations and disapprovals. This encourages honesty in the respondents’ answers hence facilitates the collection of valid data (Arun & Rachana 2000). The questionnaire was designed as the preferred survey instrument because it included all constructs of the proposed model to help in achieving the objectives of this study. Quantitative and qualitative research methods will begin with the issue of questionnaires to respondents. The questionnaires offer a standard measure of results obtained and enables the performance of secondary research that includes simple regression and correlation. These will further analyze the responses of the customers of Islamic banking. In this study, only the primary data will be used. The primary data will be collected based on interviews conducted face-to-face, online and over the telephone to reach the target group. Primary data is appropriate for this study because it adds value that a researcher to the table. The sampling technique will enable the selection of respondents used in the research. Sampling will cover 200 customers of Islamic

Decision to Charge Appropriate Interest Rate Essay

Decision to Charge Appropriate Interest Rate - Essay Example However, if any of the above mentioned determinants, fails to meet the expectations of the investors, then investors become shaky regarding their investments. The investors are mainly of two types, one who receives the ownership of the business by purchasing the shares of the company, in this way they invest in the company and are known as shareholders. They demand their return in two major ways i.e. dividends (distribution of profits) and capital gain (increase in the value of shares). On the other hand, the other kind of investors, are the creditors and they provide loans to the business such that amount of loan is repayable in certain time against which they demand a return in the form of interest. Generally, if the financial prospects of the business seem sound in the future, shareholders also require more return. However, if the financial prospects of the company are to show more vulnerability and inconsistency, then loan providers charge higher interest because their investment comes at stake due to increasing risk of solvency, bankruptcy and likelihood of inability of business to pay interest and principal. In short, out of the two types of investors, i.e. shareholders and debt holders, this particular article mainly focuses upon the required rate of return demanded by the debt holders only. Generally if an organization’s future financial outlook seems to be stable and bright looking, the debt holders prefer that organization to invest in as they would find their investment less risky as compared to that organization which is found to be struggling in dealing with its financial prospects. To be more specific, debt holders will charge less interest to that business which has consistent and growing cash flows, profitability, less amount of debt included in the overall capital structure and increasing net worth of the business. All of the above mentioned factors are the determinants of a safe, prosperous and better looking business. Conversely, debt holders would charge a relatively higher interest from those businesses which have inconsistent cash flows and profitability, highly indebted and having vulnerable net worth of the business in upcoming periods. Debt holders find their investment highly risky and as a result of bearing that extra risk, they demand higher interest to compensate that risk. As far as ACME Consulting Business is concerned, its cash balance is going to increase at double rate on yearly basis with the amounts of $39K, $138K and $177K. The net profit margin is also estimated to increase as it will be 0.33%, 4.87% and 5.94% respectively. Total Debt to Total Asset ratio will also be expected to decline from 76.55% to 61.24% in three years time. Lastly, Net Worth to Total assets of the business is estimated to increase from 65.09% to 86.31% in the same period. Debt ratio of the business is however higher than industry which is a questioning sign for the business. Net Worth ratio is better than the industry whi ch can be a positive sign for the business in future. For Interstate Travel Center, the cash balance will also be increased at almost a double pace, with

Dophus Raymond Essay Example for Free

Dophus Raymond Essay In the book, To Kill a Mockingbird by Harper Lee, the people of Maycomb are prejudice. According to them, the only way a white man would be able to like a black man more than a white man is if he was an alcoholic or had some type of dysfunction. This applies to the majority of the people in Maycomb. Dolphus Raymond, however, is not part of this stereotype. He doesn’t have a dysfunction and only pretends to be an alcoholic. Mr. Raymond is both caring and sly. When Dolphus Raymond sees Dill come out of the courthouse crying, he tries to comfort him and help him feel better. This shows that Dolphus Raymond is caring. Dolphus Raymond then calls Dill to come to him and says, â€Å"Here, offering Dill his paper sack with straws in it. Take a good sip, it’ll quieten you. †(Lee, 200) This shows he is caring because he gives Dill some of his Coca-Cola to help him. Mr. Raymond reaches out to Dill when he is crying to help him feel better. Then, after Scout asks why he pretends to be an alcoholic he says,† Wh-oh yes, you mean why do I pretend? †¦. Some folks don’t-like the way I live. Now I could just say to hell with ‘em, I don’t care if they don’t like it. I do say I don’t care if they don’t like it, right enough-but I don’t say the hell with ‘em see? †(Lee, 200) This shows that even though people don’t like the way he lives, he still pretends to be an alcoholic for people to latch on a reason why he lives the way he does. Also, even though it’s fake, he gives them a reason to understand why he lives a certain way.. Dolphus Raymond is sly as well. When Scout finds out whiskey isn’t in the sack she says,† You mean all you drink in that sack’s Coca-Cola? Just plain Coca-Cola? † â€Å"Yes ma’am, Mr. Raymond nodded. (Lee, 200) He pretends to drink whiskey to help people latch on a reason why he likes blacks more than whites. Dolphus Raymond pretends to drink whiskey, but everyone else is the town thinks it is whiskey. People don’t understand his ways, so they just blame it on his drinking because they don’t understand how he could like a black man more than a white one. He walks around pretending he is drunk. † When I came into town, which is seldom, if I weave a little and drink out of this sack, folks can says Dolphus Raymond’s in the clutch of whiskey-that’s why he wont change his ways. (Lee, 200) People think he has poor judgment because he pretends to be drunk, so they believe he won’t be able to change his ways. He is also acting like an alcoholic and like a drunk, so people can have a reason to understand why he lives his life the way he does. Dolphus Raymond isn’t an alcoholic or a drunk. He shows how caring and sly he is when he talks to the kids outside the courthouse. The people of Maycomb just can’t understand his reasoning concerning blacks and whites. They expect him to live prejudice like them. He has to pretend to be disorderly, so people can have a reason for his actions and preferences.

Descriptive Essay: A Beautiful Place :: Descriptive Essay Example

I think we all have a beautiful place in our mind. I have a wonderful place that made me happy a lot of times, years ago. But sometimes I think that I am the only person who likes this place and I'm asking myself if this place will be as beautiful as I thought when I will go back to visit it again. Perhaps I made it beautiful in my mind. This place is meaningful to me because it is part of the county I loved, is part of the county where I grew up and is part of my childhood. This place is in the country in an old region named Appalachia, a small piece of the Appalachian Mountains, in a town named Pikeville. Pikeville is a polluted town because of the coal industry. People live in apartment or condominium buildings because of its little space available. I grew up in one of the many buildings in Pikeville admiring from my bedroom window the beauty of the mountains, always exploring with my eyes the forest or the meadows, looking for a clean and quiet place. And, I found one on a hill in the back of the town. It is about 100 feet square, it has seven old trees, wild flowers and a lot of bugs and ants during summer time. I used to go there to sit down on a rock and watch the town and my trees. There was a very old tree, a maple tree, with a huge trunk. The others were smaller, three in the back, three on my left side and the old maple tree on my right. There were flowers, many kinds, white, yellow, purple and blue. It was nobody's place. Nobody owned that hill, but it was beautiful and peaceful and I dreamed many times about a white house over there. I think that, these kinds of places are meaningful to people because they are natural and people can be there alone, away from their everyday life. I used to go there to be alone or to dream with my eyes open admiring the blue sky or the clouds. I liked to go there to lay down on the grass, listen to the wind, kiss the flowers and watch the leaves moving. It was hard to go up the hill to get there, but I wanted to see everyday my seven trees, to see how the color of the leaves changed and to feel the softness of the grass. Descriptive Essay: A Beautiful Place :: Descriptive Essay Example I think we all have a beautiful place in our mind. I have a wonderful place that made me happy a lot of times, years ago. But sometimes I think that I am the only person who likes this place and I'm asking myself if this place will be as beautiful as I thought when I will go back to visit it again. Perhaps I made it beautiful in my mind. This place is meaningful to me because it is part of the county I loved, is part of the county where I grew up and is part of my childhood. This place is in the country in an old region named Appalachia, a small piece of the Appalachian Mountains, in a town named Pikeville. Pikeville is a polluted town because of the coal industry. People live in apartment or condominium buildings because of its little space available. I grew up in one of the many buildings in Pikeville admiring from my bedroom window the beauty of the mountains, always exploring with my eyes the forest or the meadows, looking for a clean and quiet place. And, I found one on a hill in the back of the town. It is about 100 feet square, it has seven old trees, wild flowers and a lot of bugs and ants during summer time. I used to go there to sit down on a rock and watch the town and my trees. There was a very old tree, a maple tree, with a huge trunk. The others were smaller, three in the back, three on my left side and the old maple tree on my right. There were flowers, many kinds, white, yellow, purple and blue. It was nobody's place. Nobody owned that hill, but it was beautiful and peaceful and I dreamed many times about a white house over there. I think that, these kinds of places are meaningful to people because they are natural and people can be there alone, away from their everyday life. I used to go there to be alone or to dream with my eyes open admiring the blue sky or the clouds. I liked to go there to lay down on the grass, listen to the wind, kiss the flowers and watch the leaves moving. It was hard to go up the hill to get there, but I wanted to see everyday my seven trees, to see how the color of the leaves changed and to feel the softness of the grass.

Absent Father

No Love Lost, No Love Found That father and daughter bond, the sweetest love I’ve never known. I’ve seen my father over a thousand times wondering if he’s ever seen me. Looking with his eyes wide shut. It seemed as if over the years he was disappearing, fading into the black. A fragment of what I thought I needed but in all reality became as pointless as the conclusion to book that I’ll never finish My father has managed for eighteen years to be a part of my life without being a part of my life. He lives right around the corner from me in a two story home that’s painted light brown.It looked like s fluffy double stacked pancakes and when the sun hit the satellite dish on the top of the roof it made the top half of the house shine like syrup running off the top. For a while all I knew my father by was this house, I got ideas of what he might be like by looking at this house. I thought of him as a full bodied man because instead of having one front do or he had two. So I thought maybe he couldn’t fit through just one. I imagined him as a strong wide bodied linebacker with a soft side due to the fact that he had a colorful; well-kept garden on the side of the house.The day I met my dad not my father who had raised me but my dad. I truly realized that I was imagining him with my heart and not my mind. He stood as tall as a palm tree sighting beach side, with arms as long as a boardwalk. He never even attempted to say a word to me or ask me how I was doing in school. Instead he pieced me with his beany brown eyes that appeared to be rising off of a yellow back drop. He looked at me as if I had stolen his joy. I reached out to hug him but he reached out his hand for me to shake instead. His fingers felt like ice cycles penetrating my skin.I thought to myself how someone with such a warm appearance could be so cold on the inside. Sad to say, I know this doesn’t sound like the best first impression but over the years as b ad as our first encounter was it was the best one yet. Because from here on out my so called daddy began to look a lot more like George Washington and Andrew Johnson. All I saw of him was the money he sent every month. Even though my dad may have stopped looking at me I kept my eye on him. Like I said earlier he lived right around the corner from me. I could lookout my bedroom window and see directly into his backyard.I would watch his every move like if he were my favorite TV show. He moved very quickly like a fire running through a dry forest. It was like he moved so quickly but looked as if he took his time because he was so smooth with it. All he did was go to work, watch late night re runs of games, and order out. At least that’s all I got from watching through his backyard, trash and sliding glass door. He was so consistent like just as sure as Monday was coming after Sunday. He was very predictable, I felt as if I’d seen enough. I know this may not sound like mu ch but this is all I knew of my father.I haven’t seen or looked for him in three years. I never even knew his name. I named him Randy due to the fact that IM his only child and my name is Brandy. I may have never got to have a full blown out conversation with†Randy† I know we are nothing alike. He is so empty. A cactus in the desert would have more life then he did. I never understood why or how my very own father could be so cold and emotionless towards me. But one thing I learned from my father was to appreciate what I do have and to stop worrying about what I don’t have. So if you were to ask me about my father today I will simply tell you â€Å"Out of sight out of mind. †

Why Is This A Big Deal - 2684 Words

President Obama, during his run for President, promised that if he was elected the military policy of â€Å"don’t ask, don’t tell† would be repealed and that homosexuals would be allowed to serve openly in our US military. As we know, Obama was elected and he followed through with his promise as earlier this year the â€Å"don’t ask, don’t tell† was repealed. The purpose of this essay is to answer the question, why is this a big deal? How will it work? How will it be implemented in the military? Over the next few pages I hope to provide you insight into this controversial issue by providing you the background surround the laws covering homosexuals serving in the military, the argument from both sides of the â€Å"don’t ask, don’t tell† repeal, and finally how the implementation will occur in the military and what will be the problems when they finally put the new rules into effect. In order to understand the argume nt surrounding â€Å"don’t ask, don’t tell† it is important to understand the history of the rules and laws concerning homosexual service in our military. Prior to 1993, the US Military did not allow homosexuals to serve. Any person who was suspected of being homosexual was investigated and if it was found to be true, the member was discharged from the military. If a military member admitted to being homosexual they were separated. The policy was strict and very black and white; homosexuality was not allowed in the military. That changed in 1993, when the â€Å"don’t ask,Show MoreRelatedCole Bestgen Professer Triggs Research and Rhetoric Date Father Father, Why is this a big deal. A1200 Words   |  5 PagesCole Bestgen Professer Triggs Research and Rhetoric Date Father Father, Why is this a big deal. 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Benefits of exposure to pornography include the minimal risks of sexual behavior and watching porn, the criminalization of serious sexual acts and crimes, and the multiple benefitsRead MorePolicy Memo For White Collar Crimes1573 Words   |  7 Pagesclearly states the problem. Big financial institutions are difficult to prosecute in white-collar crimes because of their influence. Write two (2) sentences that describe the problem in greater detail (what are the effects of the problem?) The Holder Doctrine, which comes from a memo created in 1999, has been the reason behind a lack of criminal prosecution against big companies that were part of the reason of the United States financial setback in 2008. Because of this much of the fraud that ledRead MoreToo Big to Fail Essay732 Words   |  3 Pages1. (Up to about 25:00) Why did Henry Paulson have to call all the CEOs to make a private sector deal? What deal? Why did Henry Paulson think that the private sector solution was necessary? 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As people may think living in the present seems to be stressful, hard or depressing, they still think that if they lived in the past, their lives would be so much easier and happier. This is untrue in many different ways. Infact, today has much easier living conditions then back then. With all the stresses the present has, we have many ways to

Prejudice A Sociological Perspective Of A Person

The general populace is guilty of articulating prejudicial remarks to one another. While there are people who are fully aware of the derogatory remarks they make, others act with ignorance or with the intention of humor. The existence of insensitivity towards a crucial subject is the continuous acceptance of discriminatory behavior against minorities. Consequently, the resentment is reciprocated by the minorities back to the middle and working class people. This is the culture families implement and learns to live with and as a result, prejudicial attitudes pass on from one generation to another. The primary cause of prejudice is a sociological perspective of a person under predominance of the socialization process, economic competition, and conforming to social norms. According to â€Å"Causes of Prejudice† by Vincent N. Parrillo, the influence of families or communities could lead a person to develop prejudicial behaviors. Socialization process is a social force that causes prejudicial attitude to develop from one person to another. In socialization process, children learn through the mentorship of parents or relatives. â€Å"Being impressionable and knowing of no alternative conceptions of the world, the child usually accepts these concepts without questioning† (Parrillo 220). Naturally, children do not disobey the customs of their parents because they are still in the process of developing knowledge of the world and society. The prejudice beliefs from a parent or other influenceShow MoreRelatedSociology : A Very Good Understanding Of Sociology955 Words   |  4 Pagesrelationship to everything else. They attempt to understand how what is done effects everyone on a personal and societal level. They investigate things from the personal level, to the societal, and even global levels. Sociology contains three main perspectives, symbolic interactionism, functionalism, and conflict theory. 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