Islamic finance Essay Example | Topics and Well Written Essays - 2000 words

Islamic fund - Essay Example It might be characterized as a fund framework that fits in with Islamic law, otherwise called Sharia, in spite of the fact that the definition doesn't infer that is it restricted to Muslims or Islamic nations (Rammal and Zurbruegg 86) Islamic account is guided by moral ideas recommended by Sharia corresponding to cash and capital and the relationship among benefit and hazard just as the social commitments of monetary foundations. It has developed into a worldwide and cosmopolitan monetary framework, focused on a book that might be gotten to by all individuals. Being available to development, the framework has had the option to adequately contend with the ordinary money related framework by offering a wide scope of budgetary items fitting various client needs. Filling in as an option in contrast to the customary budgetary framework, Islamic money has been fashioning an increasingly practical connection between exercises of genuine economy that produce esteem and the monetary exercises which encourage it. This paper will examine manners by which Islamic money can be considered as an option in contrast to traditional fund and why it is a suitable other option. Administration and Regulation Although it is administered by indistinguishable major financial approaches from ordinary banking, the key and most critical distinctive factor is the prerequisite of a severe adherence to a code of morals (Zepeda 52). At the microeconomic level, Islamic money is managed by Sharia administrative sheets, or Sharia researchers at any rate, who are answerable for affirming and investigating budgetary items and practices for consistence with Sharia rules. At microeconomic levels, the key administrative specialists and organizations are situated in Malaysia and Bahrain as the biggest sections of the Islamic finance’s showcase are dominatingly found in those locales. Among the main associations that set measures of the framework are the Accounting and Auditing Organization for Islamic Finance (AAOIFI), Malaysia Accounting Standards Board (MASB) and Islamic Financial Standards Board (IFSB). AAOIFI is situated in Bahrain while MASB and IFSB are in Malaysia (Zepeda 53). Islamic Finance as an Alternative to Conventional Finance The traditional account framework has been portrayed as being naturally flimsy for the most part due to being founded on intrigue and obligation just as utilizing the credit multiplier to use itself while making obligation too much. It is normal for government rules and guidelines, protection plans and treatment of assessment to advance agreements that depend on obligation in ordinary fund as opposed to those including sharing of the dangers (Zepeda 48). Accordingly, a fund framework established on obligation energizes the exchange of hazard while the increases of sharing dangers are underused. Islamic money offers an option in contrast to customary fund to those looking to incorporate qualities and morals into budgetary administration s as a positive improvement that additionally advances social equity. The option can best be seen from the two viewpoints through which the framework has developed. To begin with, the framework has disposed of intrigue based fund, otherwise called riba, according to the rules of Sharia. It is additionally from this rule the idea of capital is held only as a mode of trade since it has no connected natural worth. Second, it has built up a complete scope of generally safe money related items that target giving contributors, investors and controllers a similar degree of certainty. Albeit the greater part of the items are obligation based and look like the instruments utilized in customary money, they bear a distinctive element in the manner in which they advance business enterprise; don't bolster theoretical conduct; protect property rights; advocate for sharing the two returns and dangers; and keep legally binding commitments straightforward (Mahlknecht 71). Thusly, the framework has n ot

Market Analysis – Sony Bravia

Sony Bravia In the Australian Marketplace â€Å"Colour like No Other† Executive Summary Introduction Summary: This report will verbalize acquisition of the Sony Bravia Television in the Australian commercial center. It will show data to build up an inside and out comprehension of the customers purchasing propensities. The exploration for this report incorporates data sourced from the Sony site itself, deciphered and applied to the Australian Marketplace. Body Summary: The significant discoveries demonstrate there are different elements influencing the Australian marketplace.Overcoming a significant danger is conceivable by using Sony’s qualities to keep up pertinence in the Australian Marketplace. End/Recommendation Summary: It is evident that extra time, Sony will encounter an assortment of dangers and shortcomings, that will risk the achievement of the organization. This report prescribes that Sony boosts its qualities to keep making imaginative innovation, to proceed with its impression of one of Australia’s premium TV makers. List of chapters Executive Summary2 Introduction4 Purpose4 Authorisation4 Scope4 Background4 Environmental Scan6 Economic influences:6 Demographic influences6Competitive influences:7 Political influences:7 Social/Cultural:8 Technological influences8 S. W. O. T analysis9 Conclusion12 Reference list14 Introduction Purpose This report expects to introduce a precise examination of Sony Bravia in the Australian commercial center, and to give suggestions to the improvement of the company’s achievement. Authorisation This report is approved by Anne Tonkin, TAFE SA, and composed by Lynden Beck, an understudy of Anne Tonkin. Extension This report relates just to the Sony Bravia TV, inside the Sony Company and endeavors to attract connects to promote improvement of understanding the Australian market place.Background In 1944, Mr. Akio Morita, an official in the Japanese Navy worked with Mr. Masaru Ibuka, on a military undertaking structuring heat looking for rockets. After World War II, Morita and Ibuka kept up their kinship, and established the corporate brand known as Sony. Sony was made on the mutual conviction that it could make thoughts from creative mind and make them a reality. The fundamental target of Sony was to make imaginative items that would energize their clients. Sony is presently one of the world’s driving makers of home theater setups with significant interests in customer electronics.Today, Sony has a dream to commend life that is communicated through promotions. A dream expresses the concentration and bearing of an association. Sony’s vision states: â€Å"Creativity is our pith, we take risks, we surpass desires, we help dreamers’ dream†. This announcement communicates Sony’s need to fulfill their clients. Sony centers around conveying an extravagance experience which must be experienced through their item. Sony Market Analysis Environmental Scan Economic impacts: * The Financial Crisis of 2007-08, is considered by numerous business analysts to be the most exceedingly terrible money related emergency since the Great Depression of the twentieth Century.The impact of the emergency on Australia has been extensively not exactly in numerous different nations, anyway the consequences for family units are as yet present today. The Financial Crisis diminished the pay of Australia by about 10% by March 2009. Besides, the Australian shopper is relied upon to spare 21% a greater amount of its pay during 2012-13. The Australian economy anticipated less inclined to buy extravagance things, for example, a Sony Bravia TV. * The ‘Household Assistance Package’ presented by the Federal government in May 2012, is a key piece of the perfect vitality future plan.This Government sponsorship is intended to offer budgetary help to the working class Australian householders in the presentation of the Carbon charge. Segment impacts * The segment of the populace comprises of purchasers who look for a top notch item. The segment of Bravia proprietors are, because of its valuing, of a higher financial gathering making the Bravia be viewed as a superficial point of interest. Sony Bravia offers ‘Colour like No Other’, suggesting restrictiveness. * Sony Bravia’s regular objective crowd are purchasers who know about the company’s material sources and maintainability approaches, just as their not-revenue driven work in the community.Competitive impacts: * Samsung, LG and Panasonic are notable contenders of Sony. Each offering comparative applications on TVs. Accordingly organizations must contend with client support; this incorporates guarantee lengths, substitution ensures, brief fix or substitution, to set up faithful clients. * Whilst less expensive TVs have less highlights they despite everything bid to shoppers because of the low costs, squeezing the bigger organizations to go after dea ls. Political impacts: * The presentation of ‘Minimum wage’ has influenced the worldwide mployees of Sony working in sweat shops or industrial facilities, because of the expansion of the lowest pay permitted by law Sony should make good on more expenses. What's more, Sony must build costs of items to keep up a specific benefit rate. * Sony huge screen TVs cost 30% more in China than they do in Australia. Taxes on the importation of Sony items made in China which at that point show up in Australia help with swelled costs. Social/Cultural: * Sony puts specific accentuation on the social idea of its purchasers. Sony is an exceptional item with premium costs, and is subsequently observed as a superficial point of interest among eastern and western cultures.Generally, just rich Australians can bear the cost of a Sony Bravia. * Today’s culture puts more an incentive on experience as opposed to materialistic belongings. Sony Bravia defeats this craving by making an enco unter that offers ‘Colour like No Other’. This TV offers both an encounter, and a belonging. Innovative impacts * Technology is quickly propelling; making electronic items be out dated normally. Sony must be inventive with its items to keep up its serious edge. Driven TVs comprise of a showcase that utilizations LED backdrop illumination rather than the chilly cathode fluorescent backdrop illumination utilized by LCD televisions.LED TVs diminish vitality utilization, produce better differentiation in brilliance and a more noteworthy shading range. * As 3D items are getting increasingly normal at homes Sony expects to build deals of 3D TVs, by half of their separate TV conveyances by 2012. S. W. O. T examination A S. W. O. T investigation is a device used to break down the inside and outer elements influencing an organization. It is one of the most ordinarily utilized business investigation and dynamic devices. In this report, a S. W. O. T examination will be utilized to look at the qualities, shortcomings, openings and dangers of Sony Australia.Strengths | Weaknesses | Opportunities | Threats | Creative catchphrase: ‘Colour like no other’. | High cost can prevent purchasers. (littler objective audience)| Strong corporate brand Sony can be distinguished for some things. | Environmental concerns, significant expense in running electronic items. | Strong superficial point of interest, Sony is a top notch item, and an extravagance thing. | Due to broken wiring, the Sony Bravia was reviewed between 2007-08| Age of innovation, TVs have originated from being an extravagance to a family unit need. | Product disarray. Shoppers incapable to separate brands. | Technologically advanced.The Bravia TV with high goals multiple times some other HD T. Vs| Sony incapable to give premium client support, because of high traffic visiting store. | Sony endeavors to utilize different individuals to guarantee the organization accomplishes development and a w ide scope of abilities. | Emphases on encounters as opposed to materialistic items, for example, costly TVs. | Product highlights: ‘Your Presence is Needed’ application, which permits the TV to kill once it detects the watcher has left. | Sony Bravia isn't circulated into stores, for example, K-Mart and Big-W. Making less drive purchasers. Changing Technologies Sony is putting resources into improving 3D capacities and extra shrewd TV applications. | Global Financial emergency. The Australian buyer is relied upon to spare 21% a greater amount of its salary during 2012-13. | Sony’s inclusion in the network and its cooperation in noble cause work. | Fewer adverts on Australian television| Sony Foundation Australia is a not-for-benefit magnanimous association. | Carbon charge less cash for Australian purchasers to spend on excellent TVs. | Sony can provide food for the Carbon charge through applications that spare power. | Hard for non-innovative individuals to util izes because of broad applications. Sony bolsters numerous activities that lessen squander and degradation| Must promote on the web if unfit the Sony brand may fall behind. | A significant danger for Sony is the ecological concerns with respect to electronic items. Current social qualities place accentuation on looking after manageability. Sony focusses on improving the vitality effectiveness of their items by the utilization of the ‘Minimum Energy Performance Standards’â and ‘Energy Rating’ marks which show up on each electronic thing. These assistance clients purchasers pick progressively proficient apparatuses and get a good deal on running the products.Sony Australia is empowering and urging Australian customers to reuse batteries. Batteries gathered are moved and reused in a sheltered, ecological way. Significant materials, for example, cadmium, nickel, iron, cobalt and lead are recovered, and are reused as crude materials . Moreover, Sony has made di fferent applications on TVs to spare power. Movement sensors turn off the back screen when the watcher leaves the room. In beating natural dangers looked by Sony, the three qualities recorded above recommend the capacity to conquer apparent threats.Conclusion This report has broke down the brand, Sony, and in expansion, the Sony Bravia produc

Columbia alumni artist in review Elizabeth Rose Daly 94SIPA COLUMBIA UNIVERSITY - SIPA Admissions Blog

Columbia alumni artist in review Elizabeth Rose Daly 94SIPA COLUMBIA UNIVERSITY - SIPA Admissions Blog The Columbia University alumni series spoke with 1994 SIPA graduate Elizabeth Rose Daly, who created Liz Daly’s Culture Digest as a way to share her love of New York City’s amazing cultural offerings and showcase some of the lesser known arts and cultural presentations.     Elizabeth Rose Daly is an executive with extensive experience in international business, government, and economic development. Since May, 2015, she has undertaken various consulting assignments, as well as advising foreign businesses and governments on how to connect with New York City government and resources. She has also been publishing Liz Daly’s Culture Digest, (www.LizDalyCultureDigest.com) a blog about arts and culture in New York City. Ms. Daly was Director, International Business,  in the New York City Mayors Office for International Affairs from 2003 until 2015, promoting New York City to foreign companies contemplating opening operations in the City, and helping them access the resources they needed to get started. She also assisted the foreign trade and diplomatic community on business and government issues. Previously Ms. Daly held various management and administrative positions with Crédit Industriel et Commercial, New York Branch, and Commerzbank, New York Branch, as well as the New York Office of FTCC Communications, a French telecommunications company. She also ran Brooklyn Goes Global, a program of the Brooklyn Chamber of Commerce that assisted Brooklyn-based manufacturers to export their products. Ms. Daly has a long history of community service, having served in various capacities on the Boerum Hill Association, Brooklyn Community Board 2, and the 84th Precinct Community Council. Ms. Daly holds a Master of Public Administration from Columbia University, School of International and Public Affairs, and a Bachelor of Arts from Fordham University. A native of the Bronx, she has traveled extensively overseas, and has studied in France and Germany. She speaks fluent French and intermediate German. For our members who are not familiar with your blog, can you tell us about Liz Daly’s Culture Digest and what inspired you to create it? After leaving the Mayor’s Office, I wanted to take a new direction in my career. I have a long-standing love of the arts â€" I was an art major in high school, and more recently studied jazz singing. Starting the blog was a way of sharing that passion and my knowledge of New York City with others, while developing my writing. It was also a way for me to learn about cultural life across the five boroughs, and explore venues I hadn’t visited before. And yes, I confess, it’s a way to have a lot of fun. I’ve always worked in international business, and saw early on how important the arts are â€" in many countries, if you want to land a deal, your familiarity with theatre, music and art is just as important as your knowledge of business.   From an economic development point of view, one of the attractions for companies and entrepreneurs setting up shop here is NYC’s vibrant cultural life â€" not just the major institutions, but the local theatre companies, dance troupes, galleries, music venues…   And those are really my focus. Read the entire interview here.

The Career Profession Of A Police Officer Essay - 1515 Words

The career profession that I want to become is a Police Officer. Police Officers protect life and property, keep the peace, prevent crime and maintain the public in order through the application of the law. I first knew that I wanted to become a Police Officer when I was 13 years old. My 8th grade teacher told us to research the career we wanted to do when we grow up and I didn’t know what I wanted to be. So I started by search online but nothing interested me then my aunt told me to interview her best friend who just became a police officer. So I interview her and feel in love with what she did with her life, how much she enjoyed helping other people. So since I was 13 I’ve dreamed about being a police officer of helping the people in my community to be safe. I’m a closed person so I know how to shut my emotions out and that helps me think outside the box when an emergency comes along. I want to be able to protect people who are in bad situations like the one I was in, to feel protected and secured with in their surroundings and in their communities. I feel that you should be able to feel safe in your own surroundings and be protected by the law when something goes wrong. A high school diploma, G.E.D. or equivalent from a U.S. Institution, or a California High School Proficiency Examination (CHSPE) certificate is required (JoinLAPD). Or a two-year or a four-year college degree from an accredited U.S. or foreign institution may be substituted for the high schoolShow MoreRelatedLaw Enforcement Education And Training1703 Words   |  7 PagesCentury and its Relation to Police Professionalization There is a great debate over the question of whether American law enforcement has achieved the status of a profession. 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Law enforcement has been around for centuries, providing aid and assisting the people. â€Å"Communities first developedRead MoreStress on Police Officers Essay1379 Words   |  6 PagesTHE EFFECTS OF STRESS ON POLICE OFFICERS Not much good news here. The following is the text of a speech give by Dan Goldfarb to a group of union delegates on the impact stress can have on their men. There has been a lot of research on the negative effects of stress on people in general. I am sure you know that police work is one of the top rated professions for job stress next to air traffic controllers and dentists. A good way to start this presentation, I think, is to give a good workingRead MoreThe Importance Of Being A Police Officer1222 Words   |  5 PagesThe career I have chosen to partake in for the near future is a police officer. This career has alot of positive and negative aspects to it. Being a police officer is a very rewarding but can be dangerous job. 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Communication Influences On Self Image Affect...

This paper explores how my intrapersonal communication impacts on self-image affect interpersonal communication. Erik Erikson, suggests that self-concept are defined as an individual’s conceptualization of his or her self (Potter Perry, 2009, p. 300). I use interpersonal skills every day to communicate and interact with my family, friends and relative. Communication influences intrapersonal and interpersonal relationships as well as the quality of lifetime of the individuals. People may recognize someone who does unhappy and not recognize they’re unhappy. In most of the time people expect someone who is unhappy to cry a lot, and have no relationship. But person’s characteristics can’t be always apparent. We may or may not be able to recognize our strength by ourselves or else feedback. So this paper will be based on knowledge from myself and others. This paper examines Conflict management style survey (Stacey Jones, 2015) in relation to become more awar e of my self-defeating behaviours related to my avoidant personality and Erik Erikson’s belief. . Erikson believed development occurred in a series of stages throughout the lifetime, with each stage being marked by some sort of developmental â€Å"crisis† (Potter Perry, 2009, p. 300). I have always been one to hide my emotions from everyone. I grew up in a very strict family and expressing my emotions was not encouraged to say the least. I still remember being really little, like maybe 10, and being so sad. When I was 10Show MoreRelatedEffect Of Gender And Gender Representation On Media1735 Words   |  7 Pagesgender and gender representation in media has been widely researched in various academic disciplines, including anthropology and communication studies. Similar gender role expectations are not just restricted to Western culture either. 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The Virtual Classroom Elements and My Previous Learning Experiences Free Essays

After carefully observing at all the learning tools for our success in my EDU622 class, I must say that all these learning tools give me an excellent opportunity to learn and educate myself in the best possible way. In my opinion the three major epistemological tradition-Objectivism, Interpretivism, and Pragmatism are all evident in these learning tools for success, however objectivism is more dominant in education (cf. Phillips, 1983; Driscoll, 1984; Cunningham, 1992). We will write a custom essay sample on The Virtual Classroom Elements and My Previous Learning Experiences or any similar topic only for you Order Now In objectivism â€Å"reality is external, objective and knowledge is acquired through experience†. The Virtual Classroom learning tools are external objectives and by utilizing these tools properly is the source of knowledge which provides us experience. My personal academic learning experience don’t have all; this century’s hi-tech and computerized environment. Only blackboard, textbooks, instructors lecture notes, self believe, listning environment and good understanding with Instructors and friends. I remember one of my school teacher, Father J.J. Edward, he taught me science. His instructional methods were: 1. He always gave lectures on different topics with his full concentration. 2. He always taught me the key points and summarized the topic. 3. He always questioned me about what I had learned. 4. Gave me tasks to achieve them These four teaching techniques of my instructor developed three important learning points in me. These three points are: 1. Concentration 2. Learning the key points and summarizing the in my mind or document it 3.The most important point which I learned was recalling. Through these three methods I learned how to enhance the long term memory from short term memory and I would say that, whatever I have learned during my past academic experiences leads to the interlink age that, people learn from one another, via observation, imitation, and modeling. The behaviorist cognitive learning theories and constructivist can be called a bridge between behaviorist, cognitive learning theories and constructivism because it encompasses attention, memory, and motivation. How to cite The Virtual Classroom Elements and My Previous Learning Experiences, Essays

The jungle Persuasive Essay Example For Students

The jungle Persuasive Essay Book report: The Jungle by: Upton SinclaireWe can only know things with an experience for them by some means or other. We all know what we do, and we do not know what will happen. Our educated guesses failing at times and being glorified for justifications sake later. The family in Upton Sinclairs The Jungle depicts just this by every fiber of their hard working being. The qualities above present a perfected formula for real freedom. The gaining of knowledge and the failing or success that will happen to us. We can plan all we want, but freedom comes only to those who plan the luckiest. Take Jurgis (pronounced Yergis) for example. The strongest of the strong men in the world. He could stop a locomotive and beat John Henry in a fistfight. And why is this? He is strong, and his spirit is unconquerable. Hell just work harder if you give him more work. And what a commodity for his employers! Ever to continue along the drooling style of action, ever in the opposition of mother nature, and ever driven by the idea that he will be supporting his beloved family. To live a life in the youth of the 1900s, and in America, was the dream of so many people. To escape their tyrannical lands, the places their forefathers called home, to live in a place where it was known that every man was free and able to do his own thing, so long as he didnt hurt another. Free will, and no one could stop him for doing it. It would seem that a hard worker could go real far. In this time period such hopes were wasted on capitalism. The shammy American dream struck all those who sought to take residence in its comforting nest, and then thrust them out like so many chicks to learn to fly on their own in a harsh and unforgiving world. No man, on any account of strength could survive and live this dream, unless he was dishonest. Jurgis was an honest man, and so was his family of Lithuanians. Working harder every day for the same scraps of so many men. The work came, and only because Jurgis could pr ove his strength. Job was the only word he really knew when coming to the stockyards, and so it was his nervous energy that made him get a job. Any discussion of The Jungle should mention the unsanitary conditions in the Chicago meatpacking industry at the turn of the century and the federal legislation that Congress passed as a result of the national furor that Sinclairs muckraking novel created. However, it is equally important to emphasize that The Jungle wasand isprimarily an indictment of wage slavery. Sinclairs purpose in writing the novel was to document the inhumane treatment of working men and women in industrial capitalism and to argue that socialism provided the only solution to the problem. We will write a custom essay on The jungle Persuasive specifically for you for only $16.38 $13.9/page Order now The Jungle is related to literary movements in America. First, the novel comes out of the muckraking era. The Muckrakersso named by Theodore Roosevelt because they, like the Man with the Muckrake in Pilgrims Progress, looked down at the filth and ignored the celestial crownexposed and attempted to correct graft and corruption in both government and business. He changed many aspects of society in his day and time. He should be looked up to and admired by all, cause without him who knows if we would have gotten this far. Bibliography: