The purpose of this paper is to highlight the issues and challenges in providing financing to the poor people based on the experience of Baitul Maal Wa Tamwil (BMT) in Indonesia. A series of structured interviews were conducted with the chairman and staff of the Central BMT (Induk Koperasi Syariah) in Jakarta which is the head-quarter of 382 BMTs t

Nigeria is a hotspot for numerous conflicts, especially in the postcolonial times. These intractable conflicts include ethnic, religious, political, sectarian, communal, Settlers-Natives and Pastoralist-Farmers dimensions. On this occasion, different scholarly arguments were advanced to know whether there is a generalizable cause for the menace. Mu

The purpose of this paper is to measure the pattern of contract agreement process to map various banks’ position in perceiving Sharia conduct. This is done by incorporating the dynamics of culture, market demand and Sharia literacy in different banks. Finding of this research will serve as the formula to map the latent degree of Islamic bank’s

Abstrak Kajian ini berkaitan dengan konsep sastera Islam yang digagaskan oleh Dr. Uthman el- Muhammady. Beliau terkenal sebagai seorang yang zuhud dan di gelar 'lebai kampung' dengan kentrampilan yang sederhana. Namun disebalik itu beliau adalah seorang intelektual yang hebat. Beliau menekankan bidang kerohanian dan menekan kan ia mempunyai

This paper presents the fabrication and testing of electric cellsubstrate impedance spectroscopy (ECIS) electrodes on a stretchable membrane. This is the first time when ECIS electrodes were fabricated on a stretchable substrate and ECIS measurements on mammalian cells exposed to cyclic strain of 10% were successfully demonstrated. A chemical was u

Managing a University with the focus of achieving all round excellence is not an easy exercise, whether the University is public funded or privately funded. This talk attempts to highlight the speaker’s experience in managing a private University in Malaysia owned by the largest electricity utility provider in the country. The two major considera

The 2009 Malaysian Government Transformation Programme (GTP) could be useful as a model for reform given its positive impact on improving public services in targeted key result areas. This paper assesses the GTP's approach in the context of the wider debate on whether reforms should be based on best practices or whether they should be diagnosti

الحمد الله رب العالمين، والصلاة والسلام على أشرف المرسلين سيدنا محمد صلَّى الله عليه وعلى آله وصحبه وسلَّم، أما بعد. فهذه مجموعة أخرى من البحوث والمقالات والكتب التي قد بذلتُ فيها جهدي خلال ال

The knowledge behind the gigantic pool of data remains largely unextracted. Techniques such as ontology design, RDF representations, hpernym extraction, etc. have been used to represent the knowledge. However, the area of logic (FOPL) and linguistics (Semantics) has not been explored in depth for this purpose. Search engines suffer in extraction of

Studies have indicated that there is a positive correlation between disruptive behaviors and low academic achievement which resulted in other problems such as absenteeism, school drop-out and delinquent behaviors. Lack of knowledge and skills and failure in managing classroom disruptive behaviors have caused frustration, stress and burnout among te