The aim of this paper is to explore the consumers’ awareness and practices towards ‘exclusion clause. The underlying philosophy is that consumers are free to enter into contracts and therefore must take care of their own interests. The results of this study show that only 41.8% from 400 respondents in Klang Valley aware of the existence of such

This chapter attempts to discuss on one of the natural elements of the environment, which is vegetation by focusing on its physical aesthetical values and functional aspect that benefits the environment as a whole. Islamic perspective is also being emphasised as to briefly relate to the hard-sciences and the revealed knowledge. This is seen as an i

Ariid catfishes, belongs to family Ariidae is considered as one of the taxonomically problematic group and still under review by fish taxonomist globally. A vigilant and detail observation is important during the species level identification of ariids. Therefore, this study was carried out to determine the morphological variations of one of the ari

Vertical greenery (VG) is plants that can be grown on, up, or against internal or external walls of buildings or as freestanding structures. An urban area is in need of more greenery in its surroundings and one method is by increasing the implementation of VG in urban areas. This is due to various benefits gained by implementing VG in terms of the

Most of the developing countries lay close to the equatorial line of tropical climates with their cities experiencing rapid urbanizations, population growths and physical changes. These accelerates the changes in their urban landscape, which results among others the urban heat island phenomenon (UHI). The global temperature increment also increases

This study examines the financial investment decision-making and risk behaviors of Malaysian men and women. It uses data obtained from a survey of employed Malaysians to test two opposing models of household decision making, the income pooling hypothesis and the bargaining model. Ordinal probit regressions are estimated to determine if earning shar

Household financial decision-making process is an important issue as it has shown to have implications on key development outcomes such as child health and education,nutrition, expenditure, and allocation of labor. Women’s ability to have control over household finances and decisions also reflects, to some extent, their level of empowerment. This

Landscape settings shape the microclimate or thermal performance of the outdoor environment with vegetation and ground surface materials as among the affecting variables. This paper presents the microclimatic impact of landscape settings of two sites with different landscape environment during the wet and dry monsoon seasons of the tropical environ

Ageing is now not only a problem in developed countries but also in developing countries. Malaysia is no exception to this. The main objective of this paper is to identify the physical and mental and phychiatry problems of aged people in Malaysia and the demographic factors associated with those living in Ampang, an urban area near Kuala Lumpur, Ma

Riba is haram in Islam. In the past, conventional banks use riba as a mechanism to charge borrowers. This is a great problem for Muslims throughout the world. However, in Malaysia, the Pilgrimage Management and Fund Board was established in 1962to collect money from Muslims to finance their trip to Makkah to perform al-haj. In 1983, in addition to