Microfinance provides financial services to small businesses and poor individuals who lack access to conventional banking. Conventional microfinance institutions have expanded their operations in the last two decades. Among the many factors that were responsible for the microfinance crisis in India, one major factor was the high interest rate which

Pandangan alam Islam yang juga dikenali sebagai Tasawwur Islam merupakan suatu falsafah hidup manusia yang terkandung dalam al-Qur’an, al-Sunnah dan apa yang ditafsirkan oleh para ulama dari kedua-dua sumber utama Islam ini. Secara tamsilan suatu pandangan alam itu merupakan kanta melaluinya kita melihat dan menilai segala benda dan fenomena yang

Islamic finance in Malaysia has been growing rapidly in the past 30 years. In 2019, there is a total of 16 Islamic banks listed and supervised by Bank Negara Malaysia (BNM), with 5 out 16 banks are foreign entities. In view of the rivalry with the conventional banking sector, Islamic banks offer new innovative Islamic products and financial project

This paper examines responsible lending obligation among various credit providers under the present legal and institutional framework in Malaysia. The scope of consumer credit industry includes banking, hire-purchase, moneylending and pawnbroking. The study finds an inconsistent approach in dealing with responsible lending whereby only banking inst

Institutional Framework for Consumer Credit Industry in Malaysia: Learning from Australia, the United Kingdom and South Africa ExperiencesInternational Journal of Advanced Science and Technology Vol. 28, No. 8s, (2019), pp. 289-296 289 ISSN: 2005 -4238 IJAST Copyright ⓒ 2019 SERSC Institutional Framework for Consumer Credit Industry in Malaysia:

Advertising boosts market performance by offering useful information to consumers. It enables firms to promote the attributes of their products and services and, thereby, to compete better with each other. On the other hand, advertising may adversely affect market performance when businesses use it to transmit deceptive or fraudulent messages on wh

Islamic finance is an unavoidable phenomenon in the world financial system. Not only does it offer a new group of potential investors looking to diversify away from traditional investments but its responsive adaptation to economic and financial expectations are among the factors pushing its growth. The world’s financial markets are picking up on

تلقي الدراسة الضوء الشرعي على معرفة حكم تهجير أهل القاتل الذي يعد من ضمن المشاكل التي تتصادم مع استقرار حياة المسلمين وتؤثر على سيرها بشكل طبيعي، قامت الباحثة بالبحث والمقارنة في أدلة استنباط

Solubility of active pharmaceutical ingredient (API) in solvents is very important for drug development and manufacturing. Solubility data may provide further information such as thermochemical properties and intermolecular interactions that may lead to a better understanding of the formation of API crystals. In this study, solubility of ascorbic a

Background: Polymeric inclusion complex has been used frequently as a drug delivery system due to controlled release, non-toxic properties and high bioavailability. Objective: The current study aims to improve drug release properties of orotic acid loaded with chitosan inclusion complex (OA/CS). Material and methods: The OA/CS inclusion complex wer