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.

Lightweight Materials Obtained by Utilization of Agricultural Waste

Lightweight ceramic materials in the form of bricks and blocks are widely used in modern construction. They may be obtained by adding of rice husk, rye straw, etc, as porous forming materials. Rice husk is a major by-product of the rice milling industry. Its utilization as a valuable product has always been a problem. Various technologies for utilization of rice husk through biological and thermochemical conversion are being developed. The purpose of this work is to develop lightweight ceramic materials with clay matrix and filler of rice husk and examine their main physicomechanical properties. The results obtained allow to suppose that the materials synthesized on the basis of waste materials can be used as lightweight materials for construction purpose.

Species Spreading due to Environmental Hostility, Dispersal Adaptation and Allee Effects

A phenomenological model for species spreading which incorporates the Allee effect, a species- maximum attainable growth rate, collective dispersal rate and dispersal adaptability is presented. This builds on a well-established reaction-diffusion model for spatial spreading of invading organisms. The model is phrased in terms of the “hostility" (which quantifies the Allee threshold in relation to environmental sustainability) and dispersal adaptability (which measures how a species is able to adapt its migratory response to environmental conditions). The species- invading/retreating speed and the sharpness of the invading boundary are explicitly characterised in terms of the fundamental parameters, and analysed in detail.

Investigation of Gas Phase Composition During Carbon Nanotube Production

Chemical vapor deposition method was used to produce carbon nanotubes on an iron based catalyst from acetylene. Gas-phase samples collected from the different positions of the tubular reactor were analyzed by GC/MS. A variety of species ranging from hydrogen to naphthalene were observed and changes in their concentrations were plotted against the reactor position. Briefly benzene, toluene, styrene, indene and naphthalene were the main higher molecular weight species and vinylacetylene and diacetylene were the important intermediates. Nanotube characterization was performed by scanning electron microscopy and transmission electron microscopy.

MIMO Performances in Tunnel Environment: Interpretation from the Channel Characteristics

The objective of this contribution is to study the performances in terms of bit error rate, of space-time code algorithms applied to MIMO communication in tunnels. Indeed, the channel characteristics in a tunnel are quite different than those of urban or indoor environment, due to the guiding effect of the tunnel. Therefore, MIMO channel matrices have been measured in a straight tunnel, in a frequency band around 3GHz. Correlation between array elements and properties of the MIMO matrices are first studied as a function of the distance between the transmitter and the receiver. Then, owing to a software tool simulating the link, predicted values of bit error rate are given for VLAST, OSTBC and QSTBC algorithms applied to a MIMO configuration with 2 or 4 array elements. Results are interpreted from the analysis of the channel properties.

Comparative Life Cycle Assessment of Rapeseed Oil and Biodiesel from Winter Rape Produced in Romania

The environmental performance of rapeseed oil (RO) and rapeseed methyl ester(RME) from winter rape as fuels produced in Romanian agroclimate is analyzed in this paper. The proposed methodology is life cycle assessment (LCA) and takes into consideration the influence of grain production and agroclimatic conditions. This study shows favorable results first for RO and then for RME. When compared to diesel fuel, both studied biofuels show better results in the following impact categories: Abiotic depletion potential (ADP), Ozone layer depletion (ODP) and Photochemical ozone creation potential (POCP).Furthermore, the environmental performance of the two biofuels studied can be improved by changing the type of fertilizer used and also by using biofuels instead of diesel in the field works.

Bactericidal Properties of Carbohydrate-Stabilized Platinum Oxide Nanoparticles

Platinum oxide nanoparticles were prepared by a simple hydrothermal route and chemical reduction using carbohydrates (Fructose and sucrose) as the reducing and stabilizing agents. The crystallite size of these nanoparticles was evaluated from X-ray diffraction (XRD), atomic force microscopy (AFM) and transmission electron microscopy (TEM) and was found to be 10 nm as shown in figure 1, which is the demonstration of EM bright field and transmission electron microscopy. The effect of carbohydrates on the morphology of the nanoparticles was studied using TEM (Figure 1). The nanoparticles (100 μg/ml) were administered to the Pseudomonas Stutzeri and Lactobacillus cultures and the incubation was done at 35 oC for 24 hours. The nanocomposites exhibited interesting inhibitory as well as bactericidal activity against P. Stutzeri and and Lactobacillus species. Incorporation of nanoparticles also increased the thermal stability of the carbohydrates.

Prediction of Soil Exchangeable Sodium Ratio Based on Soil Sodium Adsorption Ratio

Researchers have long had trouble in measurement of Exchangeable Sodium Ratio (ESR) at salt-affected soils. this parameter are often determined using laborious and time consuming laboratory tests, but it may be more appropriate and economical to develop a method which uses a more simple soil salinity index. The aim of this study was to determine the relationship between exchangeable sodium ratio (ESR) and sodium adsorption ratio (SAR) in some salt-affected soils of Khuzestan plain. To this purpose, two experimental areas (S1, S2) of Khuzestan province-IRAN were selected and four treatments with three replications by series of double rings were applied. The treatments were included 25cm, 50cm, 75cm and 100cm water application. The statistical results of the study indicated that in order to predict soil ESR based on soil SAR the linear regression model ESR=0.2048+0.0066 SAR (R2=0.53) & ESR=0.0564+0.0171 SAR (R2=0.76) can be recommended in Pilot S1 and S2 respectively.

A Data Warehouse System to Help Assist Breast Cancer Screening in Diagnosis, Education and Research

Early detection of breast cancer is considered as a major public health issue. Breast cancer screening is not generalized to the entire population due to a lack of resources, staff and appropriate tools. Systematic screening can result in a volume of data which can not be managed by present computer architecture, either in terms of storage capabilities or in terms of exploitation tools. We propose in this paper to design and develop a data warehouse system in radiology-senology (DWRS). The aim of such a system is on one hand, to support this important volume of information providing from multiple sources of data and images and for the other hand, to help assist breast cancer screening in diagnosis, education and research.

Free Convective Heat Transfer in an Enclosure Filled with Porous Media with and without Insulated Moving Wall

The present work is concerned with the free convective two dimensional flow and heat transfer, in isotropic fluid filled porous rectangular enclosure with differentially heated walls for steady state incompressible flow have been investigated for non- Darcy flow model. Effects of Darcy number (0.0001 £Da£ 10), Rayleigh number (10 £Ra£ 5000), and aspect ratio (0.25 £AR£ 4), for a range of porosity (0.4 £e£ 0.9) with and without moving lower wall have been studied. The cavity was insulated at the lower and upper surfaces. The right and left heated surfaces allows convective transport through the porous medium, generating a thermal stratification and flow circulations. It was found that the Darcy number, Rayleigh number, aspect ratio, and porosity considerably influenced characteristics of flow and heat transfer mechanisms. The results obtained are discussed in terms of the Nusselt number, vectors, contours, and isotherms.

Phosphine Mortality Estimation for Simulation of Controlling Pest of Stored Grain: Lesser Grain Borer (Rhyzopertha dominica)

There is a world-wide need for the development of sustainable management strategies to control pest infestation and the development of phosphine (PH3) resistance in lesser grain borer (Rhyzopertha dominica). Computer simulation models can provide a relatively fast, safe and inexpensive way to weigh the merits of various management options. However, the usefulness of simulation models relies on the accurate estimation of important model parameters, such as mortality. Concentration and time of exposure are both important in determining mortality in response to a toxic agent. Recent research indicated the existence of two resistance phenotypes in R. dominica in Australia, weak and strong, and revealed that the presence of resistance alleles at two loci confers strong resistance, thus motivating the construction of a two-locus model of resistance. Experimental data sets on purified pest strains, each corresponding to a single genotype of our two-locus model, were also available. Hence it became possible to explicitly include mortalities of the different genotypes in the model. In this paper we described how we used two generalized linear models (GLM), probit and logistic models, to fit the available experimental data sets. We used a direct algebraic approach generalized inverse matrix technique, rather than the traditional maximum likelihood estimation, to estimate the model parameters. The results show that both probit and logistic models fit the data sets well but the former is much better in terms of small least squares (numerical) errors. Meanwhile, the generalized inverse matrix technique achieved similar accuracy results to those from the maximum likelihood estimation, but is less time consuming and computationally demanding.

Behavior of RC Buildings to Tsunami Action

The present report describes the characteristics of damages and behavior of reinforced concrete buildings during the tsunami action. The discussion is based on the field damage survey in selected cities located on the coast of the zone affected by the Great East Japan Earthquake on March 11, 2011. This earthquake is the most powerful know earthquake that has hit Japan with a magnitude 9.0 and with epicenter located at 129 km of Sendai city (off the coast). The earthquake triggered a destructive tsunami with run up height of up to 40 meters that mainly affect cities located on the Pacific Ocean coast of the Tohoku region (north-east region of Japan). Reinforced concrete buildings in general resist the tsunami without collapse however the non-structural elements like panels and ceilings were severely damaged. The analysis of damages has permitted to understand the behavior of RC buildings under tsunami attack, and has also permitted to establish recommendations for their use to take refuge from tsunami in places where natural topography makes impossible to reach hilltops or other safer places.

Comparison of Ageing Deterioration of Silicone Rubber Outdoor Polymer Insulator under Salt Water Dip Wheel Test

This paper presents the experimental results on ageing deterioration of silicone rubber outdoor polymer insulator under salt water dip wheel test based on IEC 62217. In order to comparison effect of chemical contents, silicone rubber outdoor polymer insulators having same configuration and leakage distant from two manufactures were tested together continuously 30,000 test cycles. Many discharge activities were observed in during the test. After 30,000 test cycles, in spite of same configuration, differences in degree of surface aging were observed. Physical analysis such as decreasing in hydrophobicity and increasing in hardness measurement were measured on two-type tested specimen surface in order to confirm degree of surface ageing. Furthermore, chemical analysis by ATR-FTIR to diagnose the chemical change of tested specimen surface was conducted to confirm the physical analysis results.

Tritium Determination in Danube River Water in Serbia by Liquid Scintillation Counter

Tritium activity concentration in Danube river water in Serbia has been determinate using a liquid scintillation counter Quantulus 1220. During December 2010, water samples were taken along the entire course of Danube through Serbia, from Hungarian- Serbian to Romanian-Serbian border. This investigation is very important because of the nearness of nuclear reactor Paks in Hungary. Sample preparation was performed by standard test method using Optiphase HiSafe 3 scintillation cocktail. We used a rapid method for the preparation of environmental samples, without electrolytic enrichment.

System Concept for Low Analog Complexity and High-IF Superposition Heterodyne Receivers

For today-s and future wireless communications applications, more and more data traffic has to be transmitted with growing speed and quality demands. The analog front-end of any mobile device has to cope with very hard specifications regardless which transmission standard has to be supported. State-of-the-art analog front-end implementations are reaching the limit of technical feasibility. For that reason, alternative front-end architectures could support a continuing development of mobile communications e.g., six-port-based front-ends [1], [2]. In this article we propose an analog front-end with high intermediate frequency and which utilizes additive mixing instead of multiplicative mixing. The system architecture is presented and several spurious effects as well as their influence on the system dimensioning are discussed. Furthermore, several issues concerning the technical feasibility are provided and some simulation results are discussed which show the principle functionality of the proposed superposition heterodyne receiver.

Effective Image and Video Error Concealment using RST-Invariant Partial Patch Matching Model and Exemplar-based Inpainting

An effective visual error concealment method has been presented by employing a robust rotation, scale, and translation (RST) invariant partial patch matching model (RSTI-PPMM) and exemplar-based inpainting. While the proposed robust and inherently feature-enhanced texture synthesis approach ensures the generation of excellent and perceptually plausible visual error concealment results, the outlier pruning property guarantees the significant quality improvements, both quantitatively and qualitatively. No intermediate user-interaction is required for the pre-segmented media and the presented method follows a bootstrapping approach for an automatic visual loss recovery and the image and video error concealment.

Analysis of a Spatiotemporal Phytoplankton Dynamics: Higher Order Stability and Pattern Formation

In this paper, for the understanding of the phytoplankton dynamics in marine ecosystem, a susceptible and an infected class of phytoplankton population is considered in spatiotemporal domain. Here, the susceptible phytoplankton is growing logistically and the growth of infected phytoplankton is due to the instantaneous Holling type-II infection response function. The dynamics are studied in terms of the local and global stabilities for the system and further explore the possibility of Hopf -bifurcation, taking the half saturation period as (i.e., ) the bifurcation parameter in temporal domain. It is also observe that the reaction diffusion system exhibits spatiotemporal chaos and pattern formation in phytoplankton dynamics, which is particularly important role play for the spatially extended phytoplankton system. Also the effect of the diffusion coefficient on the spatial system for both one and two dimensional case is obtained. Furthermore, we explore the higher-order stability analysis of the spatial phytoplankton system for both linear and no-linear system. Finally, few numerical simulations are carried out for pattern formation.

Energy Conscious Builder Design Pattern with C# and Intermediate Language

Design Patterns have gained more and more acceptances since their emerging in software development world last decade and become another de facto standard of essential knowledge for Object-Oriented Programming developers nowadays. Their target usage, from the beginning, was for regular computers, so, minimizing power consumption had never been a concern. However, in this decade, demands of more complicated software for running on mobile devices has grown rapidly as the much higher performance portable gadgets have been supplied to the market continuously. To get along with time to market that is business reason, the section of software development for power conscious, battery, devices has shifted itself from using specific low-level languages to higher level ones. Currently, complicated software running on mobile devices are often developed by high level languages those support OOP concepts. These cause the trend of embracing Design Patterns to mobile world. However, using Design Patterns directly in software development for power conscious systems is not recommended because they were not originally designed for such environment. This paper demonstrates the adapted Design Pattern for power limitation system. Because there are numerous original design patterns, it is not possible to mention the whole at once. So, this paper focuses only in creating Energy Conscious version of existing regular "Builder Pattern" to be appropriated for developing low power consumption software.

In vitro Culture Medium Sterilization by Chemicals and Essential Oils without Autoclaving and Growth of Chrysanthemum Nodes

Plant tissue culture is an important in vitro technology applied for agricultural and industrial production. A sterile condition of culture medium is one of the main aspects. The alternative technique for medium sterilization to replace autoclaving was carried out. For sterilization of plant tissue culture medium without autoclaving, ten commercial pure essential oils and 5 disinfectants were tested. Each essential oil or disinfectant was added to a 20-mL Murashige and Skoog (MS) medium before medium was solidified in a 120-mL container, kept for 2 weeks before evaluating sterile conditions. Treated media, supplemented with essential oils or disinfectants, were compared to control medium, autoclaved at 121 degree Celsius for 15 min. Sterile conditions of MS medium were found 100% from betel oil or clove oil (18 mL/20 mL medium), cinnamon oil (36 mL/20 mL medium), lavender oil or holy basil oil (108 mL/20 mL medium), and lemon oil or tea tree oil or turmeric oil (252 mL/20 mL medium), compared to 100% sterile condition from autoclaved medium. For disinfectants, 2% iodine + 2.4% potassium iodide, 2% merbromine solution, 10% povidone-iodine, 6% sodium hypochlorite or 0.1% thimerosal at 36 mL/20 mL medium provided 100% sterile conditions. Furthermore, growth of new shoots from chrysanthemum node explants on treated media (fresh weight, shoot length, root length and number of node) were also reported and discussed in the comparison of those on autoclaved medium.