Islamic fund structure Essay Example for Free

Islamic fund structure Essay Introduction The concept of Islamic fund and banking system is developing over a period of couple of decades now. It could be mentioned that Islamic banking is a different approach to conventional banking and financial institutions. This is because the fundamentals of the Islamic fund, banking and financial specifications that based on the religious norms and regulations. It could also be mentioned that behind the formulation of Islamic banking and financial institutions the major reasons were instrumented by demography, historical and political influences. The major financial instrument of the Islamic funds and banking along with financial institutions could be enumerated as Sukuks. The term Sukuk is an Arabic word that is identical to the aspects of a financial instrument and is an equivalent instrument such as a bond under Islamic perspective of banking. But contrary to the usual financial instrument Sukuk is different as there are no fixed incomes as under the laws of Islam interests are seen as a crime. Therefore as an alternative it has been instrumented to use such non tangible or tangible assets that are could be classified according to the basic non tradability or tradability. But once again, under the principals of Islam these formulations could only be used in the secondary market. According to the estimation of the ‘Islamic Banking and Financial Institutions: The Progress and Probability’ published in 2005, there are around $521 billion worth of financial assets that are circulating in the fiscal market as per year ending March 2005. The entire amount of this investment regulated by principals of Islamic investment plans it could be enumerated that the entire procedure is regulated by the moral and spiritual obligations of the ‘Shari’ah’. Therefore it is seen that the Islamic financials instruments traded on GCC financials markets are huge and there are a number of countries who regularly uses this form of banking. The countries can be enumerated as USA, UK, Yemen, UAE, Turkey, Tunisia, Switzerland, Sudan, Sri Lanka, South Africa, Senegal, Saudi Arabia, Russia, Qatar, Palestine, Pakistan and around 150 countries all over the world. Malaysia is one of the key player of this form of banking. Dallah Al Baraka (Malaysia) Holding Sdn Bhd, Malayan Banking Berhad (Maybank), Kuala Lumpur, Islamic banking Takaful Dept, Bank Negara Malaysia, United Malayan Banking Corp. Berhad, Kuala Lumpur, Labuan Offshore Financial Services Authority (LOFSA) and Lembaga Urusan Dan Tabung Haji (Fund), Kuala Lumpur are the few most important financial institutions of the country. The financial institutions that that deal with the instruments can be enumerated as International Islamic Financial Markets, Mudaraba Companies, Takaful Companies (These are basically insurance companies), Islamic Mortgage Companies, Islamic Windows, Islamic Investment Funds and Banks and Islamic Banks. Under these institutions there are different plans such as Mudaraba which are basically Capital trust financing where the basic implementation is the contact which accumulates the capital along with the cost. However there are also other schemes that are marked up. Then there are also other plans under which leasing comes into consideration. This called Ijara. There is also another technique that is defined Ijara wa Iktin wa which is basically the contract of hire purchase. The basic limitations of these plans are based on the contracts between the parties but the over all scenarios are based on the principals of Islam where a financial instrument like Musharaka is treated as long termed investment under the parameters of equity arrangement. The capital supplied in this case is the bank and the clients. The profit in this case is shared among the concerned parties in according to prior agreement whereas the loss is shared in accordance to the capital invested. On the other hand another financial instrument like Mudaraba is treated as a financial credit on a short termed basis. Here the capital is supplied by the bank and the investor. The profit in this case is shared among the concerned parties in accordance to the agreed ratio and the loss is bearded by the investor alone. Therefore it could be termed that the advantages and the disadvantages along with the limitations of the market are based on different aspect of the Islamic law but in an over all sense this system is working quite well and the turn over and the volume of the entire formulation seems to develop over time. Further more it can be enumerated that the success of the GCC market is not only based on the religious beliefs but it has its financial values too that enables the uses to enjoy certain notion of tax free up to a limit and it works fine under controlled environment of the finance sector. However, the parameters of Establishing Islamic Fund to issue Islamic Bonds for Infrastructure Projects lies in the feasibility section of the economic aspects that are juxtaposed with social and international image. Aim The focal point of this research proposal is Establishing Islamic Fund to issue Islamic Bonds for Infrastructure Projects. There have been numerous research papers that have discussed other impacts such as financial, social, political and economic impact of Infrastructure Projects. Methodology and literature review in this regard would be carried out in order to evaluate the strategies from different parameters and they will be compared with each other. The strategy evaluation will vary in size, audience and theme. To analyse the strategies and their success and failure realisation, questionnaires will be used to gather key primary data amongst participants. The questionnaire will be used to measure the perception of the participants and the residents of the communities in which these events are being held. Administrators, managers and customers will also be interviewed to determine the results and objectives that were achieved by the implementation of the strategy. Objective The objective of the paper would be specific yet wide spread. Out of the several related itineraries of the paper it would be specifically noted that stress is given towards identifying potential Infrastructure Projects by Islamic Funds analysis of their successes and failures of their strategy. Alongside it would also be formulated to identify Key Consultants within the establishments and their effects as a whole. Market trends and growth would be analyzed closely and evaluated accordingly to estimate the overall potential of the events. It would also be seen that proper emphasis is provided about the research entry barriers to English and international market and how to penetrate. Lastly, the compilations of database of market sector would be made along with proper notes that would identify head of events and its financial fall outs and provide the estimated details. In this context it would be relevant to mention that marketing is one of the most important aspects for a business to grow and from a managerial point of view it is the most involved factor in the aspect of business development. This is a market research and business development along with feasibility project where the research would be able to contribute based on the experience and learns from the process. The objective would be based on the opportunity of primary research on the market and obtain real world information through interfacing directly with the client organization and its customers. Background There are several aspects behind the motion of Establishing Islamic Fund to issue Islamic Bonds for Infrastructure Projects. This should be thoroughly dealt in this section. The insects of racial discrimination, the curse of civilization, are gradually eating up out society, dissolving harmony and affection, transforming human being in weapons of carnage. Thus the society no longer remains a better place to live in. Islamophobe is a contentious neologism distinct by some as a chauvinism in opposition to, or demonization of, Muslims. The expression is documented in use as early as 1976, but came into greater prevalence in the late 1980s and early 1990s. The expression’s use has become greater than before since the September 11, 2001 attacks. It can be mentioned that this is an irrational paranoia that needs to be eradicated from the face of the earth in order to make life a bit peaceful. British authors and intellectuals like Kenan Malik have condemned the perception, calling it an allegory. According to Malik this concept bamboozles prejudice in opposition to Muslims with denigration of Islam, and is applied to silence detractors of the religion, as well as Muslims who intend to reform it. Novelist Salman Rushdie and many others signed a proclamation in March 2006, which deemed Islamophobe a desolate perception that perplexes disapproval of Islam as a religion and stigmatization of those who have faith in it. Danish politician Bashy Quraishy has mentioned that islamophobe and anti-Semitism are two faces of the same coin. In the yrar1996 the Runnymede Trust, an autonomous anti-racist think tank in the United Kingdoms, recognized the assignment on British Muslims and Islamophobe, headed by Professor Gordon Conway, the vice-chancellor of the University of Sussex. According to the report launched in November 1997 by the Home Secretary, Jack Straw, Islamophobe can be considered as a challenge for the society as a whole. It portrayed Islamophobe as concerning eight idiosyncratic characteristics such as Islam is considered as a monolithic bloc, static and insensitive to alterations. It is observed as separate and other. It does not have principles in familiar with other ethnicities, is not pretentious by them and even does not influence them. It is perceived as substandard to the West. It is observed as barbaric, unreasonable, primordial, and sexist. It is seen as brutal, violent, intimidating, encouraging of terrorism, and affianced in a clash of civilizations. It is observed as a political philosophy, designed for political or military benefit. Condemnations made of the West by Islam are discarded out of hand. Antagonism towards Islam is used to give explanation for prejudiced practices in the direction of Muslims and segregation of Muslims from conventional society. Anti-Muslim resentment is seen as usual and normal. In 1997 the British Runnymede Trust made it clear that Islamophobe as the observation that Islam has no ethics in common with other cultures, is substandard to the West, is an aggressive political ideology instead of being a religion, that its disparagement of the West have no essence, and that prejudiced practices against Muslims are justified as such. Despite the fact that Muslims do not comprise a race in isolation, the submission is that many Europeans and North Americans have an inaccurate discernment of Muslims as composing a separate a race, which in he words of Khyati Joshi is radicalization of religion. On the other hand, Muslims may be perplexed with Arabs, even though the mainstream of the worlds Muslims are not Arabs. There are several causes behind Islamophobe the prime among them is to perplex disapproval of Islam as a religion and stigmatization of those who have faith in it. Sociologists have time and again argued that there was a swing in forms of chauvinism in the 1990s from race-based discrimination to inequity based on culture and religion. In 2004, Anja Rudiger, Executive director of the European Monitoring Centre on Racism and Xenophobia, made it clear in an Oxford conference on Muslims in Europe that, ever since the 9/11 attacks, religion had outshined race as the most important focal point of divergence, and that an individuals religion was now looked upon as one and the same with their background. In the case of Muslims, this showed the way to another dimension of chauvinism, Rudiger argued, in that European Muslims were observed as signifying an amalgamated culture relatively different from European society, one that is strappingly correlated to certain non-European states. From Rudigers perspective, such observations are element of the course of action of classifying Islam as Europes other. Due to Islamophobe instead of engaging Muslims in debate, non-Muslims are hypothetical to sneak around them, for fear of causing felony. There are several alleged acts of Islamophobia, such as Dr Amanda Wise and Ghali Hassan from GlobalResearch. ca have assumed that the 2005 Cronulla insurrection were the consequence of an atmosphere of Islamophobe in Australia. Dalil Boubakeur, a director of a Paris mosque illustrated the wreckage on a Mosque, referred to the burning of a Muslim Sanctuaries, attacks on hijabi Muslim women all over the world as Islamophobic. Muslim activists alleged that the Forest Gate anti terror raid in London was Islamophobic. France, which has a strong secular institution separating church from State, was accused of Islamophobe when the decree on secularity and conspicuous religious symbols in schools was approved, which prohibits the wearing of conspicuous religious symbols in public schools. In a February 10, 2004 accounted by Al Jazeera the head of the Party of Frances Muslims, Muhammad Latreche in analysing the French decree on secularity and conspicuous religious symbols in schools was referenced as mentioning that the legislation would, institutionalise Islamophobe. In Germany, the state of Baden-Wurttemberg has anticipated set of laws that necessitate citizenship applicants from the member states of the Organization of the Islamic Conference to answer enquiries concerning their outlook on domestic aggression and other religious subjects. A BBC assessment taken in the summer of 2004 estimated that employment applicants with Muslim names were far less probable to be called for an interview than applicants whose names did not appear to be Muslim. There have been efforts in opposition to supposed Islamophobe by several organizations in various countries through out the globe. In 2006 the Organization of the Islamic Conference (OIC) was set up as an observatory body on Islamophobe. This will keep an eye on and document activities professed as Islamophobic around the planet. Throughout the attainment talks on the subject of Turkey’s probable entry to the EU, then Prime Minister of Holland, Jan Peter Balkenende, made it clear that Islamophobe must not have an effect on the possibility of Turkeys access to the European Union. 50,000 people signed an appeal urging French President Jacques Chirac to deem Islamophobe as a new form of racism, punishable by decree. In the UK several methods directed towards limiting Islamophobe have been set up. In Tower Hamlets, a heavily populated area in London, a misdemeanour reporting system called Islamophobe† has been set up which police expect will increase consciousness of Islamophobe and facilitate them to recognize the extent of the dilemma. The British National Union of Teachers (NUT) has issued guidelines to teachers and recommending them to Challenge Islamophobe, as they have a fundamental character to play in helping to dismiss myths about Muslim communities. In 2006 the Catholic Mission Austria and the Islamic Denomination Austria formed a platform called Christians and Muslims, which endeavours against stereotypes and antagonism and intends to augment lenience and admiration. In 1991 the Islamic Culture Foundation (FUNCI) prepared, in association with UNESCO and the Institut du Monde Arabe of Paris, a worldwide symposium concerning the involvement of Islamic Civilization in European Culture. The Hashemite Kingdom of Jordan issued a call in 1999 to world influential to fight Islamophobe. The Muslim Council of Britain (MCB) and the Trades Union Congress (TUC) organized a colloquium on how to fight Islamophobe. History helps out us to identify ourselves, recognize who we are and be acquainted with the origin where we come from. We over and over again shrink back from hearing about our chronological times of yore for the reason that so much of it is excruciating. Islamophobe is a dejected perception that perplexes disapproval of Islam as a religion and stigmatization of those who have faith in it. Islamophobe, a myth or a kind of racism, obfuscates bias in opposition to Muslims with disparagement of Islam and that it is used to quieten detractors and Muslim reformers. But the best and fast method of assimilation into the world mainstream is economy and if the Islamic institutions are able to indulge itself in the main stream of the global economy then the possibility becomes quite high that these unwanted trends would end. Thus it is important for Establishing Islamic Fund to issue Islamic Bonds for Infrastructure Projects. But why Infrastructure Projects? The answer is simple. Once the finance runs into the parameters of infrastructure the entire influence becomes relevant to overall development as it is seen in the case of Dubai. According to a report from the Washington Times (2006), Dubai’s economy grew at around 16 per cent in the year 2005. Dubai Department of Economic Development estimated that the economy is worth $ 37 billion. The growth rate of the emirate had beaten the growth rate of China which is 8. 5 per cent. Mohammed Ali Alabhar had stated in the Washington Times The dominating industry in the emirate is the Petroleum. The wealth gained from the industry is invested in capital improvements and social services in the whole seven emirates. Production of Petroleum is concentrated in Abu Dhabi and Dubai. The Industrial Development is associated with the petroleum gains and is limited by the trained manpower that the country has and the raw materials. The GDP (Gross Domestic Product) of the UAE grew by 5. 7% in 2004 having a value of $ 63. 67 Billion. The oil industry had contributed 38 percent up from 34 percent in the year 2002. Other areas that Dubai is concentrated on are the tourism and its real estate properties. Mohammed Ali Alabbar, the director of the Department of Economic Development (DED), stated that the economy of Dubai will be sustained over the long term. He further noted that as compared to the $17 billion value in the year the 2000, the accumulated growth in the last decade is among the highest rate of growth in the world. Alabbar associated this economic growth to the diversification policy of the emirate. The establishment of transparent policies that had supported and encouraged private enterprises has given the economy further confidence. The government initiatives had also enabled a continuous inflow of foreign capital, it is expected that this inflow would be maintained. Since Dubai is located in between Africa and the Middle East and also between the Far East and Europe, it had created a gateway for the 1. 5 Million consumers in the countries surrounding the Red sea and the Gulf. Its infrastructure had become an important factor in the global transport and distribution system. The emirate has 170 shipping lines inside its emirates and more than 86 airlines offers links to over 100 cities worldwide. This shows a strong shipping and transporting sector in the emirate. The sector is mostly composed of leading regional and international freight forwarders, insurers and shipping agents. The emirate also boasts its rapidly developing high quality manufacturing sector and a prosperous domestic market. All its infrastructures and services can match with the international standards. Thus like Dubai the entire Islamic world can emerge from alleged fundamentalist mode with Establishment of Islamic Fund to issue Islamic Bonds for Infrastructure Projects.

Ancient Greek Medicine Essay -- Greek History

Ancient Greek Medicine While Greek Medicine particularly from the 5th century B.C onwards, increasingly used scientific method to develop cures, there still however remained people that considered medicine to be a religion. The ancient Greeks (Hellenic) made important discoveries about the human body and health, so by the sixth century BC, medicinal practices focused largely on a more clinical approach involving observation. Their discoveries were made by firstly studying the human anatomy using dissection and vivisection, finding ways to heal using things such as plants and herbs, then finally practising surgery on the human body using different instruments. Before the scientific method developed, most people still saw medicine as a religion, and believed that superstitions, evil spirits and punishments caused illness from the gods. The best-known ancient Greek physician Hippocrates, made several important medical discoveries in Ancient Greece. He was born on the island of Cos, living from 460 B.C. - 377 B.C., and is revered as the 'Father of Medicine'. He was the first man to make medicine a profession and to see medicine as a science and not a religion. Hippocrates devised an oath, which every new doctor still swears to this day. Hippocrates and his followers looked at the cause of the disease rather than the symptoms. Hippocrates saw that diseases came from natural causes; he discovered that thought came from the brain and not from the heart, and he saw that the body needed to be treated as a whole and not just a series of parts. The theory of the four humours originated from the works of Aristotle. The idea of Humours is usually credited to Claudius Galen, a Greek physician of the second century A.D. But although he organized the idea more accessibly, he was probably not its creator. Centuries earlier, in the fourth century B.C., Hippocrates wrote of the bodily humours in his Hippocratic Corpus. The physician believed that the body was made up of four components or â€Å"four humours†. The four components are: Blood formed at the heart – Spring – Air, Phlegm in the brain – Winter – Water, Yellow Bile in the liver – Summer – Fire and Black Bile in the spleen – Autumn – Earth. Hippocrates argued that when these four fluids were out of balance disease occurred. The ideal place for a good balance of humours was (naturally) found in the centre of Greek ... ...that the strigil, a curved piece of metal with a handle used for scraping oil and sweat off the body after exercise was often used to get into small openings, so as Galen said, â€Å"After having heated the fat of a squirrel in a strigil, insert it into the auditory canal.† The invention of these instruments meant they improved as new shapes were devised. Gradually new metals and alloys were found to provide sharper edges and cheaper equipment. Most instruments were made of bronze and occasionally silver. Iron was never used as it was forbidden by the Greeks and so never used on religious grounds. Some instruments were manufactured by specialist blade makers who specialized in medical instruments rather than by an ordinary craftsman. The Romans employed many Greek physicians and through them the Greeks discoveries in medicine gradually spread throughout the ancient world. Greece was a country that gave birth to some of the most important medical pioneers in human history. Through Continuous studies, they changed people from seeing medicine as a religion. Their study of disease and the human body to the scientific method has resulted in the advanced medical knowledge we have today.

Cause of Children Obesity: Marketing of Unhealthy Foods Essay

â€Å"Daddy, there it is†¦ please stop,† my kids yell and scream from the back seat of the car as we pass by the signature golden arches of McDonalds. My children recognize the golden arches, the leprechaun on Lucky Charms cereal, and all the characters from Tinkerbell, to Dora to Scooby Doo on all the boxes of fruit snacks. Yet no one is screaming for a stick of cheese, an apple, or a banana at snack time. It’s amazing really, that foods loaded with extra calories, sugar, and fat have a colorful, fun friend attached to enhance their marketing and foods that are healthier like milk, cheese, bread and chicken do not. Everywhere you look from TV, billboards, to creative packaging unhealthy foods are being pushed to our young consumers in an irresistible manner. The US rate for childhood obesity and health issue is at an all-time high and yet we wonder why. The Marketing of unhealthy food to children, has led to the overwhelming health issues in the lives of our present generations. The creative presentation of sugar loaded, calorie laden and salt ridden snacks makes it nearly impossible for parents to offer healthier snacks to their children or to fight obesity with healthier living, therefore leading to the health issues. The advertising of unhealthy foods makes it difficult for parents to encourage healthy eating to children and leads to the obesity of the youth. Unhealthy fast food is posted all over the place and it is designed to grab the attention of the consumer on all levels. In the majority of cases it’s cheap, fast, and convenient and the packaging and presentation makes it almost impossible to say no. There are very few advertisements that focus on healthy choices for kids. I disagree, that the marketing of unhealthy foods makes it impossible for parents to present other alternatives. I do believe that marketing creates more enticing alternatives, but in my opinion it’s ultimately the parents decision what to give a child and no one is forcing them to make that decision. There are plenty of ways to present healthier alternatives to children that make them more appealing, yet they may be more time consuming and at times not seen as being as economical. However, I personally did a little experiment where I compared the amount I spent eating out for an entire week breakfast, lunch and dinner to the amount spent purchasing healthier foods and preparing my meals at home. At the end of the week I had spent $10 less eating at home than I did eating out. Yes, it was more time consuming but as they say anything worth having is worth fighting for and what is a little time when it comes to your children’s health and well-being. The second major issue with creative marketing of unhealthy foods is the difficulty it creates in fighting obesity and promoting a healthier lifestyle. Most favorite snacks and meals that are encouraged are high in calories, salt and sugar which lead excess weight gain and cause non-communicable diseases like high blood pressure and juvenile diabetes. They also are not high in nutritional value, leading to low energy levels, further causing sedentary lifestyles and sluggish behavior. I disagree that marketing alone makes it difficult to encourage healthier living, because more goes into play in healthy living than what you eat alone. I believe that the advancement of technology and generation X, also encourages a very sedentary lifestyle. Young people are not nearly as active as earlier generations because technology puts everything within sitting reach for entertainment, and all the blame can’t rest on big bad food marketing. However with that being pointed out, I do believe it all goes back to parenting. In my opinion parents who encourage more active lifestyles, sports and creative alternatives to gaming systems, laptops and TV help to fight obesity. Taking responsibility for your children’s health, diets and activity levels is part of the responsibility of parenting, and to simply blame it on marketing and fast food restaurants because you don’t want the hassle of saying no repeatedly, standing your ground or being the bad guy is simply a scape goat.

The Sales Market The Total Boxed Chocolate Market

INTRODUCTION The overall confectionery market remains robust and of significant size at  £3.9 billion and it maintained a 2% growth in value over the past year, driven by price rather than volume. Thorntons’ focus within this is the total boxed chocolate market, which grew 3% over the past year to  £748 million. In the UK Commercial channel, Thornton retained their position as one of the top three brands within the boxed chocolate market with an 11.5% market share (2013: 11.9%) and also remained a clear leader in their core inlaid boxed chocolate market, with a 34.5% share (2013: 35.2%). The total gifting market, at  £39.4 billion, is more than ten times the size of the confectionery market and similarly grew at 2% over the past year. Thorntons is a British chocolate company established by Joseph William Thornton in 1911. Turnover in its annual report of 2014 was declared at  £222.4 million with 260 stores and cafes across the UK and Ireland and 175 franchises. 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