Wasatiyyah Values Appreciation in the Syariah Governance as Consumer Understanding Education Mechanisme Towards Islamic Banking System

The concept and values of wasatiyyah are fundamental in Islamic banking practice as the syariahlaw has delineated basic muamalat principles as an operation guideline for the banking industry.So that, all kind of extreme characteristics may be prevented. The principles of wasatiyyah prohibitany element which overlooks the permitted limit namely gambling, uncertainty (gharar), usury,fraud and so on. These elements have to be avoided in life because they were clearly prohibited byAllah SWT due to their oppressive nature especially towards the unfortunate such as the poor orlow-income group. This prohibition is also attached with the heavy intimidation in the hereafter.The Islamic banking system upholds the concept of wasatiyyah through the values of fairness,trust, transparency and accountability which are instilled through the syariah governance system.The appreciation of these values is proposed to be a part of the new curriculum for the financialawareness subject has been presented by the Malaysia government in the 13th Parliamentarysession. It is important to educate and enhance the understanding of the public especially the youngabout the Islamic banking system as an alternative to avoid the prohibited conventional bankingsystem

The Value of Foreclosed Property

This paper examines the expected price appreciation of distressed property and compares it to the prevailing metropolitan area appreciation rate. Whether due to individual property or local area heterogeneity in appreciation, the results show that foreclosed property appreciates less than the area average appreciation rate. The magnitude of the deviation is sensitive to loan characteristics, legal restrictions, housing market conditions and marketing time

The Dynamics of Metropolitan Housing Prices

This article is the winner of the Innovative Thinking ‘‘Thinking Out of the Box’’ manuscript prize (sponsored by the Homer Hoyt Advanced Studies Institute) presented at the 2001 American Real Estate Society Annual Meeting. This study examines the dynamics of real housing price appreciation in 130 metropolitan areas across the United States. The study finds that real housing price appreciation is strongly influenced by the growth of population and real changes in income, construction costs and interest rates. The study also finds that stock market appreciation imparts a strong current and lagged wealth effect on housing prices. Housing appreciation rates also are found to vary across areas because of location-specific fixed-effects; these fixed effects represent the residuals of housing price appreciation attributable to location. The magnitudes of the fixed-effects in particular cities are positively correlated with restrictive growth management policies and limitations on land availability.

Manufactured Housing Appreciation: Stereotypes and Data

Consumers Union assessed the financial appreciation of manufactured- housing units, by examining the relative appreciation rates of manufactured housing and site-built housing, as well as the factors affecting the appreciation rate of manufactured housing. Our analysis includes an extensive literature review of previous work in the field, as well as primary research using data from the 1985–1999 American Housing Survey Panel and county appraisal data from several counties in Texas. The stereotypes of manufactured housing are built upon very real differences in appreciation experienced by the people who own them. The large proportion of manufactured homes in rental parks contributes greatly to the lower appreciation experienced by manufactured home owners as a whole, as land ownership is an important driver of appreciation. High variation in the individual appreciation rates of manufactured homes also causes a higher proportion of manufactured homes, even packaged with land, to lose value over time. Even so, average appreciation rates of manufactured homes packaged with owned land are statistically in line with the site built market, and there are few inherent reasons that a home built in a factory should perform differently than one built on site. Our analysis suggests that consumers can make decisions which can improve the appreciation of a manufactured home. Land ownership, location, purchase price and maintenance expenditures are among the factors that predict appreciation, and should be considered when attempting to increase appreciation in a particular unit.manufactured housing mobile home appreciation

Conceptualizing gratitude and appreciation as a unitary personality trait

Gratitude and appreciation are currently measured using three self-report instruments, the GQ6 (1 scale), the Appreciation Scale (8 scales), and the GRAT (3 scales). Two studies were conducted to test how these three instruments are interrelated, whether they exist under the same higher order factor or factors, and whether gratitude and appreciation is a single or multi-factorial construct. In Study 1 (N = 206) all 12 scales were subjected to an exploratory factor analysis. Both parallel analysis and the minimum average partial method indicated a clear one-factor solution. In Study 2 (N = 389) multigroup confirmatory factor analysis supported the one-factor structure, demonstrated the invariance of this structure across gender, and ruled out the confounding effect of socially desirable responding. We conclude gratitude and appreciation are a single-factor personality trait. We suggest integration of gratitude and appreciation literatures and provide a clearer conceptualization of gratitude

Cross - fertilization between three different teaching modes for geo - informatics education

Objective of this study was to determine if the use and student appreciation of course materials differs for native materials (materials that were developed for that course type in which they are used) and foreign materials (materials that were developed for another course type) and if the way the materials are used, (compulsory versus optional, interchangeable versus the only source of information) affects the student appreciation. A comparison was made between a face-to-face course, a blended learning course and a distance course. The comparison was based on a questionnaire, the course evaluation and the statistics from the digital learning environments. Results show no difference between native and foreign course materials, but do however show the influence of the way the materials were used. Appreciation for compulsory, non-interchangeable materials is higher than for optional interchangeable ones, but even for this last category the general appreciation is high. Distance students have the highest overall appreciation for study materials, followed by the face-to-face students

Networks of Gratitude: Structures of Thanks and User Expectations in Workplace Appreciation Systems

Appreciation systems--platforms for users to exchange thanks and praise--are becoming common in the workplace, where employees share appreciation, managers are notified, and aggregate scores are sometimes made visible. Who do people thank on these systems, and what do they expect from each other and their managers? After introducing the design affordances of 13 appreciation systems, we discuss a system we call Gratia, in use at a large multinational company for over four years. Using logs of 422,000 appreciation messages and user surveys, we explore the social dynamics of use and ask if use of the system addresses the recognition problem. We find that while thanks is mostly exchanged among employees at the same level and different parts of the company, addressing the recognition problem, managers do not always act on that recognition in ways that employees expect.Comment: in Tenth International AAAI Conference on Web and Social Media, 201

RMB Appreciation will Hurt Labor Rights in China

This document is part of a digital collection provided by the Martin P. Catherwood Library, ILR School, Cornell University, pertaining to the effects of globalization on the workplace worldwide. Special emphasis is placed on labor rights, working conditions, labor market changes, and union organizing.CLW_2010_Report_China_RMB_appreciation.pdf: 9 downloads, before Oct. 1, 2020