Independent Novel Essay on Pride and Prejudice -- essays research pape

Jane Austen’s Pride and Prejudice â€Å"It is truth all around recognized, that a solitary man possessing a favorable luck, must be in need of a wife.† This statement out of the novel is the absolute first sentence and is likewise one of the subjects of this novel. In spite of the fact that it might appear as though an unusual subject it was entirely acceptable, if not extraordinary. It gave the story amusing minutes, uncertain turns, and a sort of sentimental experience that pretty much every young lady cherishes. The subject is straightforward, yet keeps the crowds intrigued and associated with deduction what will occur straightaway. Another topic that the novel has is the possibility of not passing judgment on individuals by their general veneer, however looking nearer into what is genuinely going on, and during the time spent doing that winding up also. In spite of the fact that that topic might be somewhat hard to perceive in light of the fact that youngsters in this novel, primarily the Bennet young ladies, for the most part consider nothing other than finding a decent spouse. Despite the fact that that might be the situation, this subject is as yet noticeable in the content. There was just a single Bennet young lady, Elizabeth Bennet, who didn't continually consider finding a spouse and was a similar youngster that needed to figure out the real story not exclusively to end up yet to likewise uncover her adoration for another. On that Elizabeth Bennet, had her very own psyche and had conclusions that a few ladies didn't think to be â€Å"civil† for that timeframe. However her assessments were extremely practical and fair. That amazed and interested a specific man of honor, a Mr. Darcy. It gave h...

Multi

Presentation A task can be characterized as a lot of arranged exercises that are utilized to think of clear and explicit goals inside a given course of events and financial plan. The exercises of an undertaking are by and large including and meticulous, starting with the distinguishing proof of asset preparation group and team that assists with building up the vital asset allotments and center operational loaning to subsidize the project.Advertising We will compose a custom exposition test on Multi-disciplinary partner investigation explicitly for you for just $16.05 $11/page Learn More A full participatory methodology that involves a multi-disciplinary/multi-sectored approach is important to speed up the task cycle exercises. The plan period of a venture cycle is extremely significant in light of the fact that it is the structure procedure that decides the most doable route through which the issue can be handled, or goals can be met. The contribution of a multi-disciplinary methodol ogy in cooperation guarantees that the undertaking is fruitful and manageable. Be that as it may, as an improvement specialist, one encounters different difficulties while directing a multi-disciplinary partner investigation subsequently influencing the genuine result of the task. This paper targets examining the difficulties/issues that an advancement specialist encounters while directing the previously mentioned investigation. Conversation Stakeholders/recipients are individuals who have an immediate, huge and specific enthusiasm for given common assets subsequently, have the freedom to communicate their perspectives in a proposed venture. Essential and auxiliary partners, who have individual interests in the proposed venture that tends to the issues concerned, are distinguished through a partner examination. Partner examination is significant as it helps in the advancement of vital perspectives that can be applied to address the issue. Multi-disciplinary partner examination invol ves the recognizable proof of the various types of partners who will partake in venture improvement. These partners are significant at each phase of the undertaking cycle in light of the fact that each stage is identified with the necessities of the partners in a single manner or the other (Caldwell, 2002). Addendum 1 speaks to a table that could be utilized in multi-disciplinary partner investigation (Gawler, 2005).Advertising Looking for paper on sociologies? How about we check whether we can support you! Get your first paper with 15% OFF Learn More There are essential/direct partners and these are extremely fundamental concerning protection. They are legitimately influenced by any result of the task dependent on activity taken subsequently; they are a basic segment of the undertaking configuration process since wrong activity won't yield into the ideal effect of the venture. The advancement specialist ought to guarantee that he/she unmistakably distinguishes the essential partner s as they are basic in guaranteeing maintainability of the task. Auxiliary partners are those with an aberrant enthusiasm for the venture. They involve contributors, national government authorities, shoppers and private undertakings. In spite of the way that they are excluded from all phases of the task, their occasional commitment is required (Guijt Woodhill, 2002). Resistance partners antagonistically influence result of the venture as they have the ability to impact and control assets. They are for the most part political pioneers and chiefly otherwise called guardians. As an advancement professional, it is imperative to set up an awesome compatibility with these partners. Moreover, it is significant that the expert creates genial procedures of dealing with such partners since they for the most part have individual interests. These partners are keen on picking up favor from the remainder of the populace subsequently will try to have all the credit given to them independent of the way that they didn't contribute a lot (Howlett, et al., 2000). Minimized partners are smothered and their voices not given the significance they merit. Independent of their contribution to extend structure and the board, they come up short on the limit of getting similarly associated with a participatory methodology during venture plan, execution and the executives. It is left to the advancement expert to guarantee that the underestimated partners gain the acknowledgment they merit during issue distinguishing proof, definition of targets, building up the important ways to deal with tending to the issue and assessing the procedure chose to decide its pertinence in accomplishing the detailed goals (Dickinson, 2002; Parpart, 1999).Advertising We will compose a custom paper test on Multi-disciplinary partner investigation explicitly for you for just $16.05 $11/page Learn More The improvement professional ought to decide the nature and cutoff points of each stakeholder’s job in t he undertaking. This is critical to maintain a strategic distance from mistaken assumptions that may forestall fruitful usage of the program. A few partners can just assume their jobs in a specific way consequently, the expert should know the constraints and the sort of stake every partner is eager to offer. Inability to recognize what every partner is happy to offer may prompt differences from that point along these lines influencing the achievement of the venture. Multi-disciplinary partner examination is a basic procedure that requires satisfactory time for the advancement specialist to investigate stakeholders’ perspectives, qualities and points of view and get their knowledge as to human and institutional scene. The stakeholder’s understanding decides if cooperation is important (WWF Ecoregion Conservation Strategies Unit, 2000; Rahman, 1995). Multi-disciplinary partner investigation is intrinsic to any participatory methodology since it causes organizers to affir m the impacts of a specific action, recognize minimized gatherings who will be influenced by the project’s advancement exercises. Furthermore, it guarantees cost-viability of the task in light of the fact that various controls meet up to recognize a shared conviction for activity. Thusly, each order contributes somewhat to the accomplishment of the undertaking cycle instead of leaving the whole task weight and financial plan to one gathering. The association of different trains in a venture forestalls duplication of assets thus saves money on assets and keeps away from wastage. Anyway be influenced by social qualities and convictions of a people. Sex issues are a primary I pediment to the accomplishment of ventures. This is on the grounds that, segregation by sexual orientation prohibits a few partners from the venture cycle subsequently, the undertaking address the issues all things considered (Razavi, 1998; Lind, 1997). Multi-partner investigation in venture cycle includes different gatherings from national, worldwide associations, private division and the common society. The ongoing idea in venture cycle improvement is that systems administration in an incorporated manner ought to be held onto in order to accomplish the genuine destinations of the project.Advertising Searching for paper on sociologies? We should check whether we can support you! Get your first paper with 15% OFF Find out More A participatory methodology in venture improvement is accepted include every single individual with a stake, decision and voice in the task cycle advancement process. Tragically, this methodology might be administered by gendered interests consequently, not allowing the least incredible to voice in their perspectives and feelings. An improvement expert encounters challenges identified with, value and consideration during multi-disciplinary partner examination given the way that interest talk has moved from simple recipient support to include addresses identified with rights, administration and citizenship (Gaventa, 2002; Becker, 2001). The inclusion of partners in an undertaking support talk in many events, comes down to a circumstance whereby just the couple of vocal voices are raised and heard. Ladies have been believed to miss out where their essence and perspectives are minimized in the alleged ‘participatory processes.’ In such a case, it turns out to be hard for an improvement specialist to encourage full cooperation in ventures. Sexual orientation and full cooperation as to advancement is viewed as rather laden and is related with strains and inconsistencies that are a lot for an improvement expert to deal with. Sex and advancement expect a top-down methodology since the perspectives on the two sexual orientations are not enough viewed as because of winning edges of references and absence of wide cooperation in setting motivation and executing proposed thoughts (Guijt, 1994; Razavi Miller, 1995.). Each recipient has a privilege to his/her voice being developed while coordinating different orders to help mitigate neediness and foul play in the general public. It is critical to involve political, sorting out, handy and inventive elements to help in tending to destitution and bad form, where the political factor would assume an extraordinary job in guaranteeing that lawful structures shield and advance the privileges of poor people and underest imated. Association centers around guaranteeing that individuals compose themselves in an appropriate manner for aggregate battle (Fals-Borda Rahman, 1991). In a culture where sexual orientation segregation is apparent, it gets hard for the improvement professional to battle against social qualities and ways in spite of the way that full cooperation is accomplished without separation of any kind. Ladies, much the same as men, have significant jobs to do in venture the board and plan. Ladies and kids are the most powerless in the public arena and thusly, including ladies simply a similar path as men would upgrade the achievement of the task. Sex mainstreaming, where the improvement specialist makes a domain wherein the two people have an equivalent task to carry out and voice in their perspectives collectively, ought to be created. Along these lines, differed reactions including al

Ernie Barnes: Research of the Football Artist Essay -- history

Ernie Barnes: Research of the Football Artist Ernie Barnes was and still is one of the most mainstream and very much regarded dark craftsmen today. Brought up in Durham, North Carolina, in 1938, during the time the south as isolated, Ernie Barnes was not expected to turn into a popular craftsman. In any case, as a little fellow, Barnes would, â€Å"often [accompany] his mom to the home of the unmistakable lawyer, Frank Fuller, Jr., where she filled in as a [housekeeper]† (Artist Vitae, The Company of Art, 1999). Fuller had the option to start Barnes’ enthusiasm for craftsmanship when he was just seven years of age. Fuller enlightened him regarding the different schools of craftsmanship, his preferred painters, and the exhibition halls he visited (Barnes, 1995, p. 7). Fuller further acquainted Barnes with crafted by such craftsmen as, Raphael, Michelangelo, and Correggio, which later affected Barnes’ mannerist style of painting. As a little fellow Barnes was â€Å"introverted and shy† (p. 8). He wasn’t ready to battle like the other little youngsters his age, and immediately turned into a punching sack for menaces. The after school fights turned out to be extreme to the point that Barnes’ mother requested that his chief permit him to leave school fifteen minutes ahead of schedule ordinary. In the wake of survey the degree of Barnes’ wounds, the chief had no real option except to go along. Then again, when different kids discovered that Barnes could draw they did not chuckle anymore and ridiculed him, â€Å"They just viewed [him draw] in quiet awe† (p. 8). When Barnes entered middle school, he got keen on dating and realized that the main way he could get consideration from the young ladies was to play JV football. In this manner, he joined the group, and was named unreasonably delicate for the game, and later quit the group. Be that as it may, when Barnes entered secondary school, he was put on a working out program, by the secondary schools weight lifting mentor, Mr. Exhaust, who demonstrated a veritable enthusiasm for Barnes’ drawings. Through Mr. Tucker’s steady consolation, Barnes had the option to reevaluate himself, moving on from secondary school with twenty-six football grants, just as the regard of the network (Artist Vitae, 1999). Before Barnes attended a university, at North Carolina College (presently North Carolina Central University), he impregnated a little youngster and had to wed her so as to conceal any hint of failure, and his first kid was conceived in 1957. Despite the fact that Barnes’ marriage was not an effective one, he worshiped his newbor... ...ers football crew. Finishes â€Å"A Dream Unfolds†, commission for National Basketball Association remembering their 50th commemoration. Private commissions (5). Gets Treasure of Los Angeles grant, Central City Associatio  · 1998: â€Å"The Advocate† gave by Donna Arnold to North Carolina Central University School of Law. Starts artworks for voyaging presentation, Visual Poem of Human Experience. Private commissions (6).  · 1999: Private commissions (2). Keeps on taking a shot at artworks for voyaging presentation, Visual Poems of Human Experience (The Company of Art, Chronology 1999). Book reference Barnes, Ernie (1995). From Pads to Palette. Waco, Texas: WRS Publishing. Huyett, Pat. (2000). Mbembe: High Aspirations [Online]. Accessible: http://cctr.umkc.edu/~phuyett/mbembe.html [2001, March 19]. The Company of Art. (1999). Craftsman Vitae [Online]. Accessible: http://www.erniebarnes.com/bio.html [2001, March 19]. The Company of Art. (1999). Order [Online]. Accessible: http://www.erniebarnes.com/chronology.html [2001, March 19]. The October Gallery. (2000, May 19). About the Artist [Online]. Accessible: http://www.octobergallery.com/sbarnes.htm [2001, March 19].

Laws And Regulations In Islamic Banking Finance Essay - Free Essay Example

It is an act to provide licensing and regulation of Islamic banking in Malaysia. The Act inter alia has provisions on the financial requirements and duties of an Islamic Bank, ownership, control and management of Islamic banks, restrictions on its business, powers of supervision and control over Islamic bank. 5.1 Legal Framework The primary difference between Islamic banks and the commercial banks is the avoidance of riba in Islamic banks. The activity of the Islamic banks is based on the transaction that allowed in Islam. The activity of the Islamic bank must follow the Shariah principles. There includes mudarabah, ijara, bai bi-thamin and murabahah. 5.1.1 Principles of Islamic Finance Business transaction are based on Shariah Absence of interest (riba)-based transaction Prohibition of Gharar and gambling Money is not a commodity Supported by underlying economic transactions Multi-faceted roles of Islamic banks Stylized balance sheet of Islamic banks 5.1.2 Objectives: -to promote,foster and develop the application of Islamic principles, law and tradition to the transaction of financial, banking and related business affairs. 5.1.3 Main principles of Islamic bank: prohibition of interest in all forms of transactions undertaking business under the legitimate profits giving zakat All Islamic banks and Islamic Banking Scheme (IBS banks) set up the Shariah Committees to guide them on Shariah principles and to make sure they function in a manner that in line with Shariah. 5.1.4 The importance of Shariah governance Place great emphasis on strong corporate governance values and structure, transparency, disclosure of information and strict adherence to Shariah principles. Ensure effective oversight, responsibility and accountability of the board of directors, management and Shariah committee. Serves as a guide towards ensuring an operating environment that is compliant with Shariah principles at all times. Provides the foundation for the practise of Islamic finance through the observance of the tenets, conditions and principles propagated by Islam. bring confidence to the general public and the financial markets on the credibility of Islamic finance operations. In Malaysia, the Bank has established the necessary mechanism for the Islamic financial system to operate in a manner consistent with Shariah muamalah principles, with a clearly defined institutional arrangement within Islamic financial institutions regulated by the Bank. A two-tiered Shariah governance structure has been established, comprising an apex Shariah advisory body at the Bank and a supervisory Shariah committee formed at the respective Islamic financial institutions. 5.1.5 Shariah Advisory Council -Central Bank Malaysia act 2009 has granted the authority to the Central Bank of Malaysia for the establishment of the Shariah Advisory Council as the highest and sole authority to be referred by the civil courts in dealing with Islamic banking and finance cases in Malaysia. -The highest Shariah body set up at Bank Negara Malaysia to advise the bank on the banking business in order to ensure that they function in a manner that is approved by the religion of Islam. 5.1.6 Objectives of Shariah Advisory Council To disseminate Shariah resolutions issued by the Shariah Advisory Council. To facilitate Islamic financial Institution in developing financial products. To promote harmonization of Shariah interpretation in Islamic Finance industry. 5.1.7 Participated Institution The Shariah shall be applicable to all Islamic financial institution regulated and supervised by Bank Negara Malaysia. The Islamic financial institutions are: An Islamic bank licensed under the Islamic Banking Act 1983 A financial institution licensed under the Banking and Financial Institution Act 1989 (BAFIA 1989) which is participate s in Islamic Banking Scheme A development financial institution prescribed under the Development Financial Institution Act 2002 (DFIA) which carries on Islamic Banking Scheme A takaful operator registered under the Takaful Act 1984 5.1.8 Functions of Shariah Advisory Council The Shariah Advisory Council on Islamic Finance shall be established by the Central Bank of Malaysia by virtue of section 51 and the Council shall be the authority for the ascertainment of Islamic law for the purposes of Islamic financial business. The Council is given authority to determine its own procedures in carrying out their duties under the Act. The functions of the Shariah Advisory Council are listed under section 52. Its functions are: (a) To ascertain the Islamic law on any financial matter and issue a ruling upon reference made to it in accordance with Part VII of the Act. (b) To advise the Bank on any Shariah issue related to Islamic financial business, the business activities or transactions of the Bank; (c) To provide advice to any Islamic financial institution or any other person as may be provided under any written law in force in Malaysia; (d) Other functions as may be determined by the Bank. The members of the SACl of Central Bank in Malaysia for 2008/2010 term are: 1. Dr. Mohd Daud Bakar (Chairman) 2. Dato Dr. Abdul Halim Ismail (Deputy Chairman) 3. Y. A.A.Tun Abdul Hamid Haji Mohama 4. Y. Bhg. Tan Sri Datuk Sheikh Ghazali Hj. Abdul Rahman 5. S.S. Dato Haji Hassan Haji Ahmad 6. Y. Bhg. Datuk Haji Md. Hashim Haji Yahaya 7. Y. Bhg. Dato Wan Mohamad Dato Sheikh Abdul Aziz 8. Assoc. Prof. Dr. Engku Rabiah Adawiah Engku Ali 9. Dr. Mohamad Akram Laldin 10. Dr. Muhammad Syafii Antonio (Source: Official website of Malaysia International Islamic Finance Centre at www.mifc.com) 5.1.9 two types of deposits that provided by the Islamic Banks: saving account or current account investment account The current account is operated in the same way as the conventional banking system, but the saving and investment account are operated in a different way. They are operated as same as the other commercial bank. There are no interests payable to the customers that having current account and deposit accounts. In addition, The Islamic banking business provided by the bank must follow the Shariah principles. The methods are Mudarabah, Musyahrakah, Baibithamin Ajil ,Murabahab, Al-Ijarah and Al-Wadiah. Mudarabah Mudarabah is a profit sharing arrangement between two parties (an investor and the entrepreneur). The investor will supply the fund to the entrepreneur for his business venture. The investor will get back the return based on a profit sharing ratio that has been agreed before. The principle of Mudarabah can be operating in 2 ways: i) between a bank and the capital provider ii) between a bank and the entrepreneur. The losses that incurred shall be borne by the capital provider. In takaful industry, mudarabah contract is used as one of the operational model as well as being applied for investing the takaful funds. Musyarakah Musyarakah refers to a partnership or joint business venture to make profit. It is an agreement between two or more partners, whereby each partner will provide funds to the business venture. Profits made are shared by the partners based on an agreed ratio. However, losses that incurred will be shared based on the ratio of funds that invested by the partners. Baibithmin Ajil Baibithmin Ajil refers to the sale of goods on a deferred payment basis at a price, which includes a profit by both parties-an investor and entrepreneur. It is under the financing facility. Murabahah Murabahah are refers to the sale of the goods at a price which includes a profit margin that are agreed by both parties (an investor and entrepreneur).In Murabahah, the actual cost of the asset must be clearly stated at the time of the sale agreement. Al-Ijarah Ijarah means lease, rent or wages. This principle usually used in financing consumer goods. For instance, the motor vehicles, plant, office automation for a fixed period and price. It is separate to two contracts involved Ijarah contract (leasing or renting) and Bai contract (purchase). Wadiah Wadiah means custody or safekeeping. In Wadiah arrangement, a bank is act as a keeper and trustee of the funds.you will deposit your funds or assets in a bank for safekeeping. The bank will guarantee the safety of the entire amount of the funds or assets. 5.1.10 Islamic Principles No. Islamic Principle Clarification Purpose 1. Mudarabah Profit-sharing Investment deposit 2. Musyarakah Profit and loss sharing Project financing 3. Baibithamin Ajil Deffered payment sale House financing 4. Murabahah Cost-plus Financing facilities 5. Al-Ijarah Leasing Leasing and vehicle financing 6. Wadiah Guaranteed custody Deposit taking- procedure 5.1.11 Islamic Banking Principle Al-Wadiah Yad Dhamanah (savings with guarantee) Al-Mudharabah (profit-sharing) Al-Musyarakah (joint venture) Al-Murabahah (cost plus) Bai Bithaman Ajil (deferred payment sale) Bai al-Dayn (debt trading) Al-Ijarah Thumma al-Bai (leasing and subsequently purchase) Al-Ijarah (leasing) Al-Qardhul Hassan (benevolent loan) Bai as-Salam (future delivery) Bai Al-Istijrar (supply contract) Al-Kafalah (guarantee) Ar-Rahnu (collateralised borrowing) Al-Wakalah (nominating another person to act) Al-Hiwalah (remittance) As-Sarf (foreign exchange) Al-Ujr (fee) Al-Hibah (gift) 5.2 Regulatory Roles of Islamic banking -The role of Islamic bank are addressing systematic concern and safeguarding customers interest. The elimination of the interest is based on values of justice, efficiency, stability and growth. 5.2.1 im of the regulatory and legal framework -The aim of instituting the regulatory and legal framework in Islamic financial system is to preserve financial stability and public confidence. 5.2.2 Legal and regulation framework Nature of Islamic banking business Sophistication of Shariah compliance mechanism Documentation, tax and accounting issues Nature of Islamic banking business Scope of Islamic banking influenced by application of different underlying contracts: Specificities of Islamic financial transaction Different nature of risk Shariah compliance mechanism Continuous compliance Installing confidence and managing perception Documentation, tax and accounting issues Documentation issues- reflect contractual obligations Tax implications -Shariah requirement Accounting -AAOIFI and IFSB standardized practices 5.3 Responsibilities of Islamic banking Ethical investment Social responsibility Poverty alleviation 5.3.1 Ethical investment Recent year, there are an increasing number of investors who seek to align their investments with their principles through ethical and responsible investment. Ethical investment can be the result of positive screening by selecting an investment based on good practices in a particular field, such as in human right or the protection of the environment .For instance, some investment universe result from combination of both positive and negative screening. 5.3.2 Ethics in Islam Islam requires Muslims to lead their lives based on the Islamic legal code of Shariah principles that are expected to follow to the extent possible given their circumstances. The Shariah is the Islamic law of the human conduct which regulates all matters of the lives of Muslims. Islam places the highest emphasis on the ethical values in all aspects of their life. In short, ethics governs all aspects of life of Muslims. The business relations in the mainly ethics based originating from religious belief , trust and faith. 5.3.3 Social responsibility It is legal for a business to achieve profits, but this goal should be pursued according to Shariah principles. Islam stresses on the concept of social responsibility. All Muslims are considered to take care of each others. In Islamic perspective, they are concern on social responsibility and justice on business practices. In Islamic principles, they are avoid the haram activities include conventional bank saving and investment deposits, the purchase of interest yielding bonds, and the acquisition of shares in companies. 5.3.4 Poverty alleviation Islam has made the state as well as the community responsibility to reduce poverty from the society. According to the Islamic perspectives, Islamic bank must take care of the society who is less fortunate in order to maintain equilibrium and social justice. Every Islamic bank has to establish a zakat fund. They collect the tax from investors and depositors. Then, the zakat fund will distribute to the poor categories. The purpose of the zakat is to provide a standard life of good life to the less fortune people. Islamic banks are contributes a large effort to reduce the poverty in a country. 5.3.5 ZAKAT Zakat is the Islamic religious tax. It is one of the five basic requirements of Islam. All adult Muslims of sound mind and body with a set of income and assets are expected to pay zakat. Zakat is due yearly on certain types of property and is distributed to eight categories of individuals specified by the Quran. There are orphans, the poor, travelers, beggars, debtors, slaves and the efforts to propagate Islam. Zakat is sometimes referred to as sadaqah or sadaqat(plural) . In general, the sharing of wealth is called zakat, whereas the sadaqat could mean the sharing of wealth and sharing of happiness among Gods creation such as saying kind words and taking care of animals or environment. Zakat is at different rates. For gold and silver, which is include all liquid assets, the rate is 2.5%. In recent years, Pakistan, Sudan and Saudi Arabia have enacted legislation to enforce the zakat. 5.4 Policies During 2004, the policy thrust centred on enhancing the institutional infrastructure, regulatory and prudential framework, Shariah and legal infrastructure, as well as consumer awareness and protection. 5.4.1 Anti-Money Laundering Policy Under all circumstances the Bank will conduct its business in compliance with the following general principles in order to protect the Bank from money laundering terrorist financing activities: Â Comply with applicable anti-money laundering terrorist financing laws and regulations as established by Bank Negara Malaysia; Maintain a system of internal control and establish procedure to ensure ongoing AML/CFT compliance and prompt actions; Appointment of Designated Compliance Officers (DCOs), who are responsible to implement AML/CFT procedures and measures; Develop compliance program to ensure awareness on AML/CFT procedures and requirements and monitoring of AML/CFT measures; Establish customer due diligence for all customers including implement Know Your Customer (KYC) Policy and enhanced due diligence for customers and transactions presenting higher risk; Establish and maintain appropriate procedures to monitor customer accounts and activities for evidence of suspicious transactions that may be indicative of money laundering activities; Retain identification and transactional documentation as defined in the legislation; Report to relevant authority in a timely and comprehensive manner on all identified suspicious activities where there are reasonable grounds to suspect that a money laundering offence has been or is being committed; Cooperate fully with law enforcement and regulatory authorities on AML/CFT issues. 5.5 Registration The application must be submitted and signed by the applicant and addressed to Islamic Banking and Takaful Department, Bank Negara Malaysia, 6th Floor, Block A, Jalan Dato Onn, 50480 Kuala Lumpur, Malaysia. The legal basis for the establishment of Islamic banks was the Islamic Banking Act (IBA) which was established on 7 April 1983.The IBA provides BNM with powers to supervise and regulate Islamic bank. Islamic banking system requires three important elements to qualify as a strong system A large number of global players A broad variety of instruments A comprehensive financial infrastructure. 5.5.1 Application for Islamic Banking license Section 1: Details of applicant Section 2: Background information Section 3: Financial strength and soundness Section 4: Plans for Malaysian operations Section 5: Regulatory system in home country Section 6: Supporting Documents 5.6 Securities Dealing in securities Dealing in debentures, stocks or bonds of Federal Government, any state Government or statutory body and corporate debentures or other instruments which are not listed for trading stock exchange. Arranging the sale or purchase of securities through the holders of a Capital Market services License who carries on the business of dealing in securities. Underwrite the securities and placement Private placement of primary issues of securities on behalf of customers Arranging or offering for sale or purchase as agent for any person Act as agent for any issuing house in relation to the issue or listing of any securities Lending or borrowing of securities on own account for customers 5.7 Power of attorney Power of attorney (POA) is an authorization to act on someone elses behalf in a legal or business transaction. The person authorizing the other to act is the granter, and the one authorized to act is the agent. 5.7.1 Wakalah It is a contract whereby a person (principal) asks another party to act on his behalf for a specific task. The person who take this task is an agent who will be paid a fee foe his services. Example A customer ask bank to pay some one under certain terms. The bank is the agent that carrying out the financial transaction .The customer will paid a fee to the bank for his services. 5.7.2 Conditions of Wakalah The principal should have the power and competence to deal and own the property. If the principal is not competent to perform a certain action, he cannot delegate the doing of that action to another person. For example, an insane or a minor cannot appoint agents to act on their behalf. The agent should also be a competent person. The thing or act should be known. This is to avoid uncertainty or gharar. That the action is a lawful action. 5.7.3 The Types of Al-Wakalah An agents authority is derived and defined by the particular type of agency he undertakes. Wakalah can be divided into the four types. Particular Wakalah or Special Agency -Particular wakalah is made only for a certain known transaction. For example, buying or selling certain known house or a car. The agent is bound to sell or buy that particular house or car. General Wakalah -It is a general delegation of power. For e.g. if the principal says: buy for me a house which you think is proper or suitable. In this case the agent owns all the power which the principal has. Restricted Agency -Restricted Agency means that the agent has to act within certain conditions. For e.g. buy the house at such a price, or until such a time or based on instalments. The agent has to strictly observe these conditions. If the conditions are not met the transaction is not binding on the principal. Absolute agency -Where there are no condition is put for the transaction. For example if the principal assigns an agent to buy a house and he does not specify the price, the method of payment or other conditions. However, an agent is still bound to act within the prevailing practices and customs. Imam Abu Hanifah argues that an agent is not bound by the customs. Customs, he says, differs from place to place. However, according to his two disciples and the majority, the agent is bound by the custom common among the people. If he acts contrary to the custom, then the transaction depends on the approval of the principal. Conventional Banking 5.1 Law and regulation 5.1.1 Banking and Financial Institution Act 1989 (BAFIA) 5.1.2 Objective of BAFIA -to provide new laws for the licensing and regulation -to provide for an integrated supervision of the Malaysian financial system -to provide the Central Bank with the power to investigate and prosecute 5.1.3 BAFIA 1989 BAFIA was established on 1st October 1989. The BAFIA repealed the Banking Act 1973 and Finance Companies Act 1969and modernises the law related to banking and other institutions. Section 123: BAFIA shall not affect from the provision of the Exchange Control Act Section 124: BAFIA shall not apply to an Islamic Bank 5.1.4 Three groups of institution under BAFIA Licensed institution -commercial banks, finance companies, merchant banks,discount houses and money brokers. b. Scheduled institution -credit and charge card companies building societies factoring and leasing companies and development finance institution (DFI). c. Non-scheduled institution -institution engaged in the provision of finance except those named above. 5.1.5 Objectives of bank regulation: Prudential -to reduce the level of risk bank creditors are exposed to For example, it helps to protect the depositors Systemic risk reduction -to reduce the risk of disruption resulting from adverse trading conditions for banks causing multiple or major bank failures Avoid misuse of banks -to reduce the risk of banks being used for criminal purposes, e.g. laundering the proceeds of crime To protect banking confidentiality Credit allocation To direct credit to favored sectors. 5.1.6 Licensing A licensed finance company is permitted to carry out the business of: receiving deposits on deposit account, savings account or other similar account ; and (i) the lending of money; (ii) leasing; (iii)hire-purchase, including that which is subject to the Hire-Purchase Act, 1967 other business as the Central Bank may prescribe 5.1.7 Financial Requirement Every licensed institution is requires maintaining: General reserve Statutory reserve Liquidity ratio Capital adequacy ratio Any amount of assets 5.1.8 Legal Framework in Deposit account Although restrictions placed on access depend upon the terms and conditions of the account and the provider, the account holder retains rights to have their refund. The customer may or may not be able to pay the funds in the account by cheque, internet banking, EFTPOS or other channels depending on those provided by the bank and offered or activated in respect of the account. The banking terms deposit and withdrawal tend to obscure the economic substance and legal essence of transactions in a deposit account. From a legal and financial accounting standpoint, the term deposit is used by the banking industry in financial statements to describe the liability owed by the bank to its depositor, and not the funds (whether cash or checks) themselves, which are shown an asset of the bank. Example -A depositor opening a checking account at a bank in the United States with $100 in currency, which becomes an asset of the bank. On the banks books, the bank debits its currency and coin on hand account for the $100 in cash, and credits a liability account for an equal amount. In the audited financial statements of the bank, on the balance sheet, the $100 in currency would be shown as an asset of the bank on the left side of the balance sheet, and the deposit account would be shown as a liability owed by the bank to its customer, on the right side of the balance sheet. The banks financial statement reflects the economic substance of the transaction which is the bank, has actually borrowed $100 from its depositor and has contractually obliged itself to repay the customer according to the terms of the demand deposit account agreement. To offset this deposit liability, the bank now owns the actual, physical funds deposited, and shows those funds as an asset of the bank. Typically , an account provider will not hold the entire sum in reserve, but will loan the money at interest to other clients, in a process known as fractional-reserve banking. It is this process which allows providers to pay out interest on deposits. By transferring the ownership of deposits from one party to another, they can replace physical cash as a method of payment. In fact, deposits account for most of the money supply in use today. For example, if a bank in the United States makes a loan to a customer by depositing the loan proceeds in the customers checking account, the bank typically records this event by debiting an asset account on the banks books and credits the deposit liability or checking account of the customer on the banks books. From an economic standpoint, the bank has essentially created economic money. The customers checking account balance has no dollar bills in it, as a demand deposit account is simply a liability owed by the bank to its customer. In this way, comm ercial banks are allowed to increase the money supply. 5.2 Regulatory roles Malaysias banking and insurance sector -under the jurisdiction of Central Bank /Bank Negara Malaysia Capital market -regulate by the Securities Commision Malaysia (SC) Offshore finance industry -Labuan Financial Services Authority ( Labuan FSA) Trading activities in Malaysia -regulate and operate by Bursa Malaysia 5.2.1 Labuan (International Offshore Financial Centre) Labuan was declared as an International Offshore Financial Centre (IOFC) in October 1990 to complement the activities of the domestic financial market in Kuala Lumpur, strengthen the contribution of financial services to Gross National Products of Malaysia as well as develop the island and areas within its vicinity. Specifically designed legislation and regulations, primarily based on experiences of other IOFCs around the world, provide the framework for business in the IOFC ( International Offshore Financial Centre). 5.2.2 Securities Commision Malaysia (SC) Securities Commision Malaysia was established on 1 March 1993 under the Securities Commission Act 1993, the Securities Commision Malaysia (SC) is a self-funding statutory body with investigative and enforcement powers. It reports to the Minister of Finance and its accounts are tabled in Parliament annually. Its regulatory functions are listed below: Supervising exchanges, clearing houses and central depositories Registering authority for prospectuses of corporations other than unlisted recreational clubs Approving authority for corporate bond issues Regulating all matters relating to securities and futures contracts Regulating the take-over and mergers of companies Regulating all matters relating to unit trust schemes Licensing and supervising all licensed persons; Encouraging self-regulation Ensuring proper conduct of market institutions and licensed persons. 5.3 Responsibilities Corporate Governance 5.3.1 Objective: -The objective of corporate governance is to promote the adoption of effective and high standards of corporate governance practices by Licensed Institution and Bank Holding Company. 5.3.2 Important of Corporate Governance To ensure that the Licensed Institution are managed safely in order to maximize Shareholders wealth and protect the interests of all stakeholders. Effective corporate governance practices will enhance corporate accountability. Used to direct and manage the business and affairs in order to enhance business prosperity and corporate accountability. 5.3.3 The major responsibilities of Licensed Institution: Review and approve strategies, business plans and significant policies and monitor managements performance -An institution should clearly state its objectives, which takes into account the institutions risk appetite and its risk management capabilities, and devise a business strategy and plans for achieve them. -The board should approve these objectives, strategies and business plans, and ensures that performance against plans is regularly reviewed and monitored. -They also establish key performance indicators (KPIs) to define, measure the performance and progress towards achieving organisational goals. Set corporate values and responsibility that are communicated through the organisation -The board should establish a culture of high ethical standards and integrity, professional conduct and approve corporate values for itself. -The high standard of ethical will benefit the Licensed Institution. This is because it will enhance the License Institutions creditability and trustworthiness in its day-to- day and long term operations. Ensure competent management -The board should make sure that there is a managed and effective process to select the officers that are qualified, professional and competent to the affairs of the Licensed Institution. Ensure that the operation are conducted prudently and within the laws and regulations -The board should ensure that the internal control systems of the Licensed Institution are effective and the operations are properly controlled. -They also should use the external and internal auditors to review the adequacy of the internal controls. Ensure that the Licensed Institution established comprehensive risk management policies, processes and infrastructure. -The board should have a sound understanding of the Licensed Institutions business operating environment and the related risks. It is important for Licensed Institution to identify measure, monitor and control the various types of risks. They should approve and review the risk management capabilities of the Licensed Institution. -They also should ensure the management information system is reliable and adequate in order to cover the activities of Licensed Institution. Set up an effective internal audit department which staffed with qualified internal personnel -To enhance the independence of the internal auditors to achieve their audit objectives and ensure that the internal auditors have full access to all records. Establish procedure to avoid self-serving practices and conflict of interest -The board should establish policies and procedures governing related party transactions and conflict of interest situations. -They should ensure that the senior management implements policies that prohibit activities and relationships that diminish the quality of corporate governance. -They also should approve a set of ethical corporate values in the form of code that conduct by the Licensed Institution. Ensure that the Licensed Institution has a beneficial influence on the economic -The board has a continuing responsibility to the community to ensure that the Licensed Institutions activities are conductive towards promoting the economic. 5.4 Policies Requirement Statutory Reserve Requirement (SRR) is a monetary policy instrument available to Bank Negara Malaysia for the purposes of liquidity management. Commercial banks, merchant banks, investment banks and Islamic banks are required to maintain balances in their Statutory Reserve Account (SRA). The SRR is used to withdraw or inject liquidity when the excess or lack of liquidity in the banking system is perceived by the Bank to be large and long-term in nature. 5.4.1 Penalties Any banking institution which fails to comply with the minimum SRR requirement shall be liable to pay a penalty. The penalty payable is determined as the sum of the scaled penalty amount and the monetary benefit. The computation of the maximum penalty is as follows: **Maximum penalty=1/10 x1/100xshortfall x number of days** 5.4.2 Adjustment of SRR rate SRR Rate Effective Date Variation 1% 1 March 2009 0.8% 1.2% 2% 1 February 2009 1.6% 2.4% 3.5% 1 December 2008 2.8%-4.2% 4% 16 September 1998 3.2%-4.8% 6% 1 September 1998 4.8%-7.2% 8% 1 July 1998 6.4%-9.6% 10% 16 February 1998 9.5%-10.5% 13.5% 1 June 1996 13%-14% 12.5% 1 February 1996 12%-13% 11.5% 1 July 1994 11%-12% 10.5% 16 May 1994 10%-11% 9.5% 3 January 1994 9%-10% 8.5% 2 May 1992 8%-9% 7.5% 16 August 1991 7%-8% 6.5% 16 January 1990 6%-7% 5.5% 16 October 1989 5%-6% 4.5% 2 May 1989 4%-5% 3.5% 1 January 1989 3% 4% 5.5 Registration Application for Commercial bank license The application should be submitted and signed by the Chief Executive Officer or a person of high authority in the applicant financial institutions. The application should be directed to Financial Sector Development Department, Bank Negara Malaysia, 10th Floor, Block A, Jalan DatoOnn, 50480 Kuala Lumpur, Malaysia. 5.5.1 The section that the applicant need to fill up: Section 1: Details of applicant bank Section 2: Background information of the bank Section 3: Financial strength and soundness of bank Section 4: Plans for Malaysian operations Section 5: Regulatory system in home country Section 6: Supporting documents 5.6 Securities -The regulated selling framework for Malaysian Government Securities (MGS) is now extended to interbank participants and universal brokers. This effort is to further improve secondary market liquidity and enhance the development of the domestic bond market. The benefit: Create a continuous flow of activities in the bond market Accelerate price corrections in overvalued securities Facilitate hedging of interest rate risks Promote activity in the repo and securities borrowing and lending market 5.6.1 Market Participants -All commercial banks, finance companies, merchant banks and discount house under banking and Finance Institution Act 1989 (BAFIA) . Malaysian Government Securities (MGS) Conventional MGS Benchmarks Trading Yields Total Volume (RM million) Daily change (bps) Tenure Maturity Coupon (%) Low (%) High (%) Close (%) 3-year May-2013 3.210 3.15 3.19 3.15 153.20 0 5-year Aug-2015 3.835 3.40 3.42 3.40 79.50 -1 7-year Sep-2017 4.012 3.68 3.69 3.68 157.96 -1 10-year Nov-2019 4.378 3.90 3.91 3.91 80.00 0 Government Investment Issues (GII) Islamic GII Benchmarks Trading Yields Total Volume (RM million) Daily change (bps) Tenure Maturity Low (%) High (%) Close (%) 3-year Jul-2013 3.29* 3.29* 3.29* 5-year Jul-2015 3.39 3.51 3.50 238.90 -1 10-year Jun-2020 3.99 4.01 4.00 245.00 0 Short-Term Bills Type of Bills Up to 3-mth abv. 3 to 6-mth abv. 6 to 12-mth For any queries, please contact: Khabir Reeza / Bilal Mohd Parid / Nurashiqin Asri from Monetary Policy Implementation section at 03-2698 2116 / 03-2690 7462 Malaysia Treasury Bills 2.81 2.86 2.90 Malaysia Islamic Treasury Bills 2.81 2.87 2.91 Bank Negara Monetary Notes (Conventional) 2.80 2.85 2.90 Bank Negara Monetary Notes (Islamic) 2.81 2.87 2.92 Source: Bank Negara Malaysia and ETP, Bursa Malaysia Bonds Sdn Bhd ( as from 10 March 2008) The differences between conventional and Islamic banks Conventional Banks Islamic Banks 1. The functions and operating modes of conventional banks are based on fully manmade principles. 1. The functions and operating modes of Islamic banks are based on the principles of Islamic Shariah. 2. The investor is assured of a predetermined rate of interest. 2. In contrast, it promotes risk sharing between provider of capital (investor) and the user of funds (entrepreneur). 3. It aims at maximizing profit without any restriction. 3. It also aims at maximizing profit but subject to Shariah restrictions. 4. It does not deal with Zakat. 4. In the modern Islamic banking system, it has become one of the service-oriented functions of the Islamic banks to be a Zakat Collection Centre and they also pay out their Zakat. 5. It can charge additional money (penalty and compounded interest) in case of defaulters. 5. The Islamic banks have no provision to charge any extra money from the defaulters. Only small amount of compensation and these proceeds is given to c harity. Rebates are give for early settlement at the Banks discretion. 6. For interest-based commercial banks, borrowing from the money market is relatively easier. 6. For the Islamic banks, it must be based on a Shariah approved underlying transaction. 7. The status of a conventional bank, in relation to its clients, is that of creditor and debtors. 7. The status of Islamic bank in relation to its clients is that of partners, investors and trader, buyer and seller. 8. A conventional bank has to guarantee all its deposits. 8. Islamic bank can only guarantee deposits for deposit account, which is based on the principle of al-wadiah. Therefore, the depositors are guaranteed repayment of their funds, however if the account is based on the mudarabah concept, client have to share in a loss position.. Â

Changing the Genre of a Blog Article - 668 Words

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Walt Disney Over The Years Has Impacted The Lives Of Millions

Walt Disney over the years has impacted the lives of millions of children with his animated films. His Disney movies have evolved in the last years and have moved from the traditional damsel in distress theme. Specifically, the classic movie Cinderella gives the wrong idea about what it is to be a woman for young girls. The movie portrays a young woman facing emotional, mental, and physical abuse by her evil stepmother and later falls in love with a charming prince. However, if viewers take a closer look, Disney’s anti feminist message is firmly emphasized. The story of Cinderella is sexist due to it’s lesson to girls that beauty and submission will award them a rich bachelor. This is seen through Cinderella’s submissive behavior, Prince†¦show more content†¦Furthermore, Cinderella’s innocent and dreaming tendency shows that women are merely weak beings. They think with their hearts rather than with their brains and are easily influenced by their emotions. 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In The Two Articles, Heloisa Sabin And Peggy Carlson Argued On The Iss Essay Example For Students

In The Two Articles, Heloisa Sabin And Peggy Carlson Argued On The Iss Essay ue about animal testing. There does not seem to be any agreement between the two writers, while there is an obvious disagreement between them. Sabin agrees to Animal Testing: ?Animal research saves human lives? but Carlson disagrees: ?Animal tests are unreliable?. Animal testing is quite an arguable topic in the world. In Sabins article, she stated the example of her husband using polio vaccine as her persuasion as he was one that benefited a lot from the outcome of animal testing. Her husband, Albert Sabin, inventor of oral polio vaccine, told a reporter before his death in 1993, ?There could have been no oral polio vaccine without the use of innumerable animals, a very large number of animals.?(Sabin) Sabin shows that polio has been eradicated in Western Hemisphere in about forty years after the polio vaccine was introduced to United State. She truly believes that the polio vaccine saves the world from the fear of the polio, therefore she repeatedly reference to ?reality? to help her in persuading readers that animal testing is in fact an advantage. Since she shows that the information she pointed out was from the reality, not just something she made up, this makes readers easier to believe in her point of view. As can be expected, Carlsons disagreement with Sabin about animal testing leads her to a dramatically different point of view as well. In Carlsons article, she provides the information about how inaccurate animal testing are to support her point of view.?Nearly everything that medicine has learned about what substances cause human cancer and birth defects has come from human clinical and epidemiological studies because animal experiments do not accurately predict what occurs in humans.?(Carlson) Carlson uses cancer and birth defects as an example to disagree with Sabins example of her husband using polio vaccine. ?It was unfortunate that the original polio vaccine was produced using monkey calls instead of available human cells as can be done today.?(Carlson) Carlson pointed this out because this sentence tells us that the medicine available today may be created or experimented on a non-human being. Using substances from animals other than human to produce medicine for human may resu lt in serious disease. Sabin pointed out the story about her husband benefited from the polio research; thus she thinks animal testing can save human lives. In contrary, Carlson pointed out the animal testing done in the past could be done on human nowadays; thus she thinks animal testing is unnecessary. And she does not believe the polio vaccine example can justify that it is worth to spend billion dollars and thirty million animals for the animal experimentation. In the article, Sabin used her husband, Albert, as an example to persuade people to agree with her in her article. Although writing only one example can make readers concentrate on how well her persuasion is, having more examples can let readers know animal research really saves human lives. Sabin only listed one example in her argument, so I think Carlson did refuse all the argument in Sabins article. In Carlsons article, the point about smoking cannot be tested on animals seemed most persuasive to me. But comparing to the article that Sabin wr ote, Carlson seems to have lesser support for her argument, and this article might not be persuasive to some people. Sabin makes strong emotional appeals in her article. This plays a really large part in her persuasion. Since most reader usually drives by emotional articles, this help a lot in making readers to think what Sabin said was really trustworthy. Carlson does not appeal to the emotion of the readers while she only stated her points one by one. When reading that article, I felt that it is only a report on why animal testing needs to be abandoned. It might not be easy for some readers to agree with the author in spite of the fact that she tried hard to persuade. .uc0b17a6060e20eae00ded3a19d2ecd04 , .uc0b17a6060e20eae00ded3a19d2ecd04 .postImageUrl , .uc0b17a6060e20eae00ded3a19d2ecd04 .centered-text-area { min-height: 80px; position: relative; } .uc0b17a6060e20eae00ded3a19d2ecd04 , .uc0b17a6060e20eae00ded3a19d2ecd04:hover , .uc0b17a6060e20eae00ded3a19d2ecd04:visited , .uc0b17a6060e20eae00ded3a19d2ecd04:active { border:0!important; } .uc0b17a6060e20eae00ded3a19d2ecd04 .clearfix:after { content: ""; display: table; clear: both; } .uc0b17a6060e20eae00ded3a19d2ecd04 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uc0b17a6060e20eae00ded3a19d2ecd04:active , .uc0b17a6060e20eae00ded3a19d2ecd04:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uc0b17a6060e20eae00ded3a19d2ecd04 .centered-text-area { width: 100%; position: relative ; } .uc0b17a6060e20eae00ded3a19d2ecd04 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uc0b17a6060e20eae00ded3a19d2ecd04 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uc0b17a6060e20eae00ded3a19d2ecd04 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uc0b17a6060e20eae00ded3a19d2ecd04:hover .ctaButton { background-color: #34495E!important; } .uc0b17a6060e20eae00ded3a19d2ecd04 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uc0b17a6060e20eae00ded3a19d2ecd04 .uc0b17a6060e20eae00ded3a19d2ecd04-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uc0b17a6060e20eae00ded3a19d2ecd04:after { content: ""; display: block; clear: both; } READ: Sir Gawain and the Green Knight Sir Gawain Green K EssayIn conclusion, the disagreement between Sabin and Carlson on animal testing could appeal to different people. To accept Sabin, one would have to believe that if there were no animal testing, a lot of human would have died because of the polio disease. By using some animals, researchers could find out the way to save human lives that this is the best result to see. To accept Carlson, one would have to understand the problem that animals cannot be tested on every kind of newly researched medicine. It is because some of the tasks cannot be done on animals. For example, cigarettes cannot be tested on animals, as they do n ot know how to smoke.