Financing small and medium enterprises (SMEs) is one of the most important mechanisms to boost eco- nomic growth in both developed and developing nations. The contributions of SMEs in many countries’ gross domestic product (GDP) have been overwhelming. SMEs improve job creation in all sectors of the economy and contribute to the people’s econom

There are two different approaches to the prophetic concern regarding debt acquisition and the related rulings. The Prophet (peace be upon him) was recorded as having discouraged debt while other verbal traditions provided guidelines on how to manage debt in a socially responsible manner. This paper aims to analyse these two contrary views accordin

The advent of Industrial revolution 4.0 has resulted in unprecedented use of financial technology (fintech) to facilitate, produce and/or deliver financial products. Fintech is used by technology start-ups and incumbent financial institutions in developing innovative financial products and services while leveraging on such technologies as artificia

As an offshoot of the fourth industrial revolution (Industry 4.0), the use of technology to produce and/or deliver financial products (fintech) is pervasively disruptive of traditional institutions and operations as manifested in innovative entities, products and services powered by such technologies as artificial intelligence (AI) and smart contra

One of the most exciting areas of signal processing is speech processing; speech contains many features or characteristics that can discriminate the identity of the person. The human voice is considered one of the important biometric characteristics that can be used for person identification. This work is concerned with studying the effect of appro

In the contemporary economic societies, the world is witnessing a vibrant transformation from vague economy to an economic reality; the emergence of the Islamic economic system has been in trial for almost five decades. The current achievements of Islamic banking and finance industry were believed to have realized through the accelerated efforts of

In the Bio-medical field, preterm infant care is one of the most important and popular areas of study. The newborns are at a higher risk of mortality and are called high-risk infants because of the gestational age or their birth weight put them at higher-than-average risk of disease and death. For that purpose, the preterm baby requires surrounding

Surveillance of surgical antibiotic prophylaxis provides useful information that could be used to identify key areas to implement antimicrobial stewardship interventions. There is limited evidence to describe the compliance with surgical antibiotic prophylaxis in obstetric and gynecologic settings in Nigeria. The objective of this study was to eval

Continuous improvement in products/services is one of the vital elements of Total Quality Management (TQM). TQM is not a one-step activity; rather it is a continuous approach and a never-ending process. In order to strengthen competitive advantage in the market, organisations must endeavour to continuously improve quality of products and services.

تهدف هذه الدراسة إلى تعليم اللغة العربية لأغراض سياحية بماليزيا، ثم تصميم وحدات دراسية على وفقها. وبعدما حصلنا على نتائج الحاجات في تعليم اللغة العربية لأغراض سياحية، فقد صممنا وحدات دراسية م