Shariah Views on the Components of Profit Rate in Al-Murabahah Asset Financing in Malaysian Islamic Bank

Al-Murabahah is an Islamic financing facility used in asset financing, the profit rate of the contract is determined by components which are also being used in the conventional banking. Such are cost of fund, overhead cost, risk premium cost and bank-s profit margin. At the same time, the profit rate determined by Islamic banking system also refers to Inter-Bank Offered Rate (LIBOR) in London as a benchmark. This practice has risen arguments among Muslim scholars in term of its validity of the contract; whether the contract maintains the Shariah compliance or not. This paper aims to explore the view of Shariah towards the above components practiced by Islamic Banking in determining the profit rate of al-murabahah asset financing in Malaysia. This is a comparative research which applied the views of Muslim scholars from all major mazahibs in Islamic jurisprudence and examined the practices by Islamic banks in Malaysia for the above components. The study found that the shariah accepts all the components with conditions. The cost of fund is accepted as a portion of al-mudarabah-s profit, the overhead cost is accepted as a cost of product, risk premium cost consist of business risk and mitigation risk are accepted through the concept of alta-awun and bank-s profit margin is accepted as a right of bank after venturing in risky investment.

Counseling For Distance Learners in Malaysia According to Gender

This survey highlights a number of important issues which relate to the needs to counseling for distance learners studying at the School of Distance Education in University science Malaysia (DEUSM) according to their gender. Data were obtained by selfreport questionnaire that had been developed by the researchers in counseling and educational psychology and interviews were take place. 116 voluntary respondents complete the Questionnaire and returned it back during new student-s registration week.64% of the respondents were female and 52% were males that means 55%ofthem were females and 45% were males. The data was analyzed to find out the frequencies of respondents agreements of the items. The average of the female was 18 and the average of the male was 19.6 by using t- test there is no significant values between the genders. The findings show that respondents have needs for counseling. (22) Significant needs for mails (DEUSM) the highest was their families complain about the amount of time they spend at work. (11) Significant needs for females the highest was they convinced themselves that they only need 4 to 5 hours of sleep per night.

Using Heuristic Rules from Sentence Decomposition of Experts- Summaries to Detect Students- Summarizing Strategies

Summarizing skills have been introduced to English syllabus in secondary school in Malaysia to evaluate student-s comprehension for a given text where it requires students to employ several strategies to produce the summary. This paper reports on our effort to develop a computer-based summarization assessment system that detects the strategies used by the students in producing their summaries. Sentence decomposition of expert-written summaries is used to analyze how experts produce their summary sentences. From the analysis, we identified seven summarizing strategies and their rules which are then transformed into a set of heuristic rules on how to determine the summarizing strategies. We developed an algorithm based on the heuristic rules and performed some experiments to evaluate and support the technique proposed.

Experimental Investigation on the Effect of CO2 and WAG Injection on Permeability Reduction Induced by Asphaltene Precipitation in Light Oil

Permeability reduction induced by asphaltene precipitation during gas injection is one of the serious problems in the oil industry. This problem can lead to formation damage and decrease the oil production rate. In this work, Malaysian light oil sample has been used to investigate the effect CO2 injection and Water Alternating Gas (WAG) injection on permeability reduction. In this work, dynamic core flooding experiments were conducted to study the effect of CO2 and WAG injection on the amount of asphaltene precipitated. Core properties after displacement were inspected for any permeability reduction to study the effect of asphaltene precipitation on rock properties. The results showed that WAG injection gave less asphaltene precipitation and formation damage compared to CO2 injection. The study suggested that WAG injection can be one of the important factors of managing asphaltene precipitation.

An Evaluation of the Opportunities and Challenges of Wi-Fi Adoption in Malaysian Institutions

There have been many variations of technologies that helped educators in teaching & learning. From the past research it is evident that Information Technology significantly increases student participation and interactivity in the classrooms. This research started with a aim to find whether adoption of Wi-Fi environment by Malaysian Higher Educational Institutions (HEI) can benefit students and staff equally. The study was carried out in HEI-s of Klang Valley, Malaysia and the data is gathered through paper based surveys. A sample size of 237 units were randomly selected from 5 higher educational institutions in the Klang Valley using the Stratified Random sampling method and from the analysis of the data, it was found that the implementation of wireless technologies in HEIs have created lot of opportunities and also challenges.

Globalisation, ICTs and National Identity: The Consequences of ICT Policy in Malaysia

For the past thirty years the Malaysian economy has been said to contribute well to the progress of the nations. However, the intensification of global economy activity and the extensive use of Information Communication Technologies (ICTs) in recent years are challenging government-s effort to further develop Malaysian society. The competition posed by the low wage economies such as China and Vietnam have made the government realise the importance of engaging in high-skill and high technology industries. It is hoped this will be the basis of attracting more foreign direct investment (FDI) in order to help the country to compete in globalised world. Using Vision 2020 as it targeted vision, the government has decided to engage in the use of ICTs and introduce many policies pertaining to it. Mainly based on the secondary analysis approach, the findings show that policy pertaining to ICTs in Malaysia contributes to economic growth, but the consequences of this have resulted in greater division within society. Although some of the divisions such as gender and ethnicity are narrowing down, the gap in important areas such as regions and class differences is becoming wider. The widespread use of ICTs might contribute to the further establishment of democracy in Malaysia, but the increasing number of foreign entities such as FDI and foreign workers, cultural hybridisation and to some extent cultural domination are contributing to neocolonialism in Malaysia. This has obvious consequences for the government-s effort to create a Malaysian national identity. An important finding of this work is that there are contradictions within ICT policy between the effort to develop the economy and society.

Entrepreneurial Challenges Confronting Micro Enterprise of Malaysian Malays

This research focuses on micro-enterprise of Malaysian Malays that are involved in very small-scaled business activities. Among them include food stall and burger stall operators, night market hawkers, grocery store operators as well as construction and small service activities works. The study seeks to explore why some micro-entrepreneurs still lag in entrepreneurship and what needs to be rectified. This quantitative study is conducted on 173 Malay micro-enterprise owners (MEOs) and 58 Malay failed microenterprise owners (FMEOs) involved in all range of businesses throughout the state of Perak, Malaysia. The main aims are to identify the gaps between the failed micro-enterprise owners (FMEOs) and existing micro-enterprise owners (MEOs) and the problems faced among FMEOs. The results reveal that the MEOs had strong motivations and better marketing approaches as compared to FMEOs. Furthermore, the FMEOs failed in the business ventures mainly due to lack of management, sales and marketing skills and poor competitive abilities to keep up with rivals.

A Simulation Method to Find the Optimal Design of Photovoltaic Home System in Malaysia, Case Study: A Building Integrated Photovoltaic in Putra Jaya

Over recent years, the number of building integrated photovoltaic (BIPV) installations for home systems have been increasing in Malaysia. The paper concerns an analysis - as part of current Research and Development (R&D) efforts - to integrate photovoltaics as an architectural feature of a detached house in the new satellite township of Putrajaya, Malaysia. The analysis was undertaken using calculation and simulation tools to optimize performance of BIPV home system. In this study, a the simulation analysis was undertaken for selected bungalow units based on a long term recorded weather data for city of Kuala Lumpur. The simulation and calculation was done with consideration of a PV panels' tilt and direction, shading effect and economical considerations. A simulation of the performance of a grid connected BIPV house in Kuala Lumpur was undertaken. This case study uses a 60 PV modules with power output of 2.7 kW giving an average of PV electricity output is 255 kWh/month..

Carbon Sources Utilization Profiles of Thermophilic Phytase Producing Bacteria Isolated from Hot-spring in Malaysia

Phytases (myo-inositol hexakisphosphate phosphohydrolases; EC 3.1.3.8) catalyze the hydrolysis of phytic acid (myoinositol hexakisphosphate) to the mono-, di-, tri-, tetra-, and pentaphosphates of myo-inositol and inorganic phosphate. Therrmophilic bacteria isolated from water sampled from hot spring. About 120 isolates of bacteria were successfully isolated form hot spring water sample and tested for extracellular phytase producing. After 5 passages of the screening on the PSM media, 4 isolates were found stable in producing phytase enzyme. The 16s RDNA sequencing for identification of bacteria using molecular technique revealed that all isolates those positive in phytase producing are belong to Geobacillus spp. And Anoxybacillus spp. Anoxybacillus rupiensis UniSZA-7 were identified for their carbon source utilization using Phenotype Microarray Plate of Biolog and found they utilize several kind of carbon source provided.

Appreciating, Interpreting and Understanding Posters via Levels of Visual Literacy

This study was conducted in Malaysia to discover how meaning and appreciation were construed among 35 Form Five students. Panofsky-s theory was employed to discover the levels of reasoning among students when various types of posters were displayed. The independent variables used were posters that carried explicit and implicit meanings; the moderating variable was students- visual literacy levels while the dependent variable was the implicit interpretation level. One-way ANOVA was applied for the data analysis. The data showed that before students were exposed to Panofsky-s theory, there were differences in thinking between boys, who did not think abstractly or implicit in comparison to girls. The study showed that students- visual literacy in posters depended on the use of visual texts and illustration. This paper discuss further on posters with text only have a tendency to be too abstract as opposed to posters with visuals plus text.

Fuzzy Approach for Ranking of Motor Vehicles Involved in Road Accidents

Increasing number of vehicles and lack of awareness among road users may lead to road accidents. However no specific literature was found to rank vehicles involved in accidents based on fuzzy variables of road users. This paper proposes a ranking of four selected motor vehicles involved in road accidents. Human and non-human factors that normally linked with road accidents are considered for ranking. The imprecision or vagueness inherent in the subjective assessment of the experts has led the application of fuzzy sets theory to deal with ranking problems. Data in form of linguistic variables were collected from three authorised personnel of three Malaysian Government agencies. The Multi Criteria Decision Making, fuzzy TOPSIS was applied in computational procedures. From the analysis, it shows that motorcycles vehicles yielded the highest closeness coefficient at 0.6225. A ranking can be drawn using the magnitude of closeness coefficient. It was indicated that the motorcycles recorded the first rank.

Stature Estimation Using Foot and Shoeprint Length of Malaysian Population

Formulation of biological profile is one of the modern roles of forensic anthropologist. The present study was conducted to estimate height using foot and shoeprint length of Malaysian population. The present work can be very useful information in the process of identification of individual in forensic cases based on shoeprint evidence. It can help to narrow down suspects and ease the police investigation. Besides, stature is important parameters in determining the partial identify of unidentified and mutilated bodies. Thus, this study can help the problem encountered in cases of mass disaster, massacre, explosions and assault cases. This is because it is very hard to identify parts of bodies in these cases where people are dismembered and become unrecognizable. Samples in this research were collected from 200 Malaysian adults (100 males and 100 females) with age ranging from 20 to 45 years old. In this research, shoeprint length were measured based on the print of the shoes made from the flat shoes. Other information like gender, foot length and height of subject were also recorded. The data was analyzed using IBM® SPSS Statistics 19 software. Results indicated that, foot length has a strong correlation with stature than shoeprint length for both sides of the feet. However, in the unknown, where the gender was undetermined have shown a better correlation in foot length and shoeprint length parameter compared to males and females analyzed separately. In addition, prediction equations are developed to estimate the stature using linear regression analysis of foot length and shoeprint length. However, foot lengths give better prediction than shoeprint length. 

On-Time Performance and Service Regularity of Stage Buses in Mixed Traffic

Stage bus operated in the mixed traffic might always meet many problems about low quality and reliability of services. The low quality and reliability of bus service can make the system not attractive and directly reduce the interest of using bus service. This paper presents the result of field investigation and analysis of on-time performance and service regularity of stage bus in mixed traffic. Data for analysis was collected from the field by on-board observation along the Ipoh-Lumut corridor in Perak, Malaysia. From analysis and discussion, it can be concluded that on-time performance and service regularity varies depend on station, typical day, time period, operation characteristics of bus and characteristics of traffic. The on-time performance and service regularity of stage bus in mixed traffic can be derived by using data collected by onboard survey. It is clear that on-time performance and service regularity of the existing stage bus system was low.

Probability Distribution of Rainfall Depth at Hourly Time-Scale

Rainfall data at fine resolution and knowledge of its characteristics plays a major role in the efficient design and operation of agricultural, telecommunication, runoff and erosion control as well as water quality control systems. The paper is aimed to study the statistical distribution of hourly rainfall depth for 12 representative stations spread across Peninsular Malaysia. Hourly rainfall data of 10 to 22 years period were collected and its statistical characteristics were estimated. Three probability distributions namely, Generalized Pareto, Exponential and Gamma distributions were proposed to model the hourly rainfall depth, and three goodness-of-fit tests, namely, Kolmogorov-Sminov, Anderson-Darling and Chi-Squared tests were used to evaluate their fitness. Result indicates that the east cost of the Peninsular receives higher depth of rainfall as compared to west coast. However, the rainfall frequency is found to be irregular. Also result from the goodness-of-fit tests show that all the three models fit the rainfall data at 1% level of significance. However, Generalized Pareto fits better than Exponential and Gamma distributions and is therefore recommended as the best fit.

Spam E-mail: How Malaysian E-mail Users Deal with It?

This paper attempts to discuss the spam issue from the Malaysian e-mail users- perspective. The purpose is to discover how Malaysian users handle the spam e-mail problem. From the experiences we hope to discover the necessary effort needed to be undertaken to face this problem in the context of Malaysia. A survey was conducted to understand how Malaysian individual perceived spam and what they actually do with the spam e-mail they received in their daily life. The findings indicate that the level of awareness on spam issue in action is still low and need some extra effort by government and relevant agencies to increase their level of awareness.

Functional Food Knowledge and Perceptions among Young Consumers in Malaysia

Changing in consumers lifestyles and food consumption patterns provide a great opportunity in developing the functional food sector in Malaysia. There is only a little knowledge about whether Malaysian consumers are aware of functional food and if so what image consumers have of this product. The objective of this research is to determine the extent to which selected socioeconomic characteristics and attitudes influence consumers- awareness of functional food. A survey was conducted in the Klang Valley, Malaysia where 439 respondents were interviewed using a structured questionnaire. The result shows that most respondents have a positive attitude towards functional food. For the binary logistic estimation, the results indicate that age, income and other factors such as concern about food safety, subscribing to cooking or health magazines, being a vegetarian and consumers who have been involved in a food production company significantly influence Malaysian consumers- awareness towards functional food.

Influenza Pattern Analysis System through Mining Weblogs

Weblogs are resource of social structure to discover and track the various type of information written by blogger. In this paper, we proposed to use mining weblogs technique for identifying the trends of influenza where blogger had disseminated their opinion for the anomaly disease. In order to identify the trends, web crawler is applied to perform a search and generated a list of visited links based on a set of influenza keywords. This information is used to implement the analytics report system for monitoring and analyzing the pattern and trends of influenza (H1N1). Statistical and graphical analysis reports are generated. Both types of the report have shown satisfactory reports that reflect the awareness of Malaysian on the issue of influenza outbreak through blogs.

Project Management Success for Contractors

The aim of this paper is to provide a better understanding of the implementation of Project Management practices by UiTM contractors to ensure project success. A questionnaire survey was administered to 120 UiTM contractors in Malaysia. The purpose of this method was to gather information on the contractors- project background and project management skills. It was found that all of the contractors had basic knowledge and understanding of project management skills. It is suggested that a reasonable project plan and an appropriate organizational structure are influential factors for project success. It is recommended that the contractors need to have an effective program of work and up to date information system are emphasized.

A Preference-Based Multi-Agent Data Mining Framework for Social Network Service Users' Decision Making

Multi-Agent Systems (MAS) emerged in the pursuit to improve our standard of living, and hence can manifest complex human behaviors such as communication, decision making, negotiation and self-organization. The Social Network Services (SNSs) have attracted millions of users, many of whom have integrated these sites into their daily practices. The domains of MAS and SNS have lots of similarities such as architecture, features and functions. Exploring social network users- behavior through multiagent model is therefore our research focus, in order to generate more accurate and meaningful information to SNS users. An application of MAS is the e-Auction and e-Rental services of the Universiti Cyber AgenT(UniCAT), a Social Network for students in Universiti Tunku Abdul Rahman (UTAR), Kampar, Malaysia, built around the Belief- Desire-Intention (BDI) model. However, in spite of the various advantages of the BDI model, it has also been discovered to have some shortcomings. This paper therefore proposes a multi-agent framework utilizing a modified BDI model- Belief-Desire-Intention in Dynamic and Uncertain Situations (BDIDUS), using UniCAT system as a case study.

Malaysia under the Purview of the United Nations and Agenda 21

Developing a nation geared by the principle of sustainable development has been one of the piers in moulding a greater nation for Malaysia since its independence. This is seen by the act of joining the United Nations in 1957, just a month after gaining their independence. The United Nations is an international organization that aims to unite the nations worldwide based on justice, human dignity and human well-being. Malaysia has established a local body called the United Nations Malaysia which collaborates with the government to accomplish the aim of supporting sustainable development in Malaysia. Agenda 21 is an international document produced from the Earth Summit providing guidelines of implementing sustainable development globally, nationally and locally. Initiatives of applying Agenda 21 in Malaysia have been taken by the government and non-profit organizations to expose issues regarding sustainable development and providing environmental education to the community to increase awareness towards environmental protection.