Does socio-Demographic Variables Matter in Explaining Issues and Challenges in Islamic Microfinance? Evidence from Malaysia

Purpose - In line with the wide acceptance of the microfinance industry globally, Islamic microfinance has also evolved rapidly in the past years to cater for the demand for Shariah-compliant microfinancing schemes. Despite this, the industry is facing various issues and challenges from both the clients and microfinance institutions. This study aims to identify the issues and challenges faced by different demographic background of microentrepreneurs receiving Islamic microfinancing from Amanah Ikhtiar Malaysia (AIM). Methodology- It adopts the quantitative research methodology where primary data is collected using survey questionnaires administered on 393 women entrepreneurs who are currently clients of AIM’s Islamic microfinance scheme located in Selangor. The descriptive and cross-tabulation analyses are applied in efforts to understand the influence of socio-demographic factors (age, education level, duration with AIM, and times of receiving financing) on the following issues: cost of repayment, financing period, amount of financing, distance to AIM center, group lending mechanism, discipline among members, problematic group members, and consultation services. Findings - The study finds that clients with different socio-demographic factors perceived the issues differently, suggesting an influential role of clients’ demographic factors on the microfinance intervention. Practical implications - These findings have important implications to the microfinance industry in terms of further improving their products that are tailor-made to the socio-demographic characteristics of their clients. Originality – This research taken views of AIM’s microfinance recipients which were woman entrepreneurs in Selangor directly through a survey. Results of the research would be useful to AIM to enhance their products and services in future.     Keywords: Islamic microfinance, socio-demography, Islamic finance, Amanah Ikhtiar Malaysi

ASSESSMENT OF THE ACOUSTICAL PERFORMANCE IN MALACCA MOSQUE,MALAYSIA: A CASE STUDY ON THE SAYYIDINA ABU BAKAR MOSQUE

As a building for worship and one of the important symbols in Islam, a mosque is usually designed with its architectural grandeur. Among of the characteristics is its spacious interior to create a perception so that people will feel ’small’ when entering the house of God. Most mosques therefore have high ceiling and are usually constructed with dome shape. In Malacca, Malaysia however, the architectural of the mosque resembles the traditional Malay house where the ceiling follows a pyramidal shape. This paper discusses the acoustical condition of the mosque in Malacca. The Sayyidina Abu Bakar Mosque is presented here for a case study. Measurement of its reverberation time was conducted and the results are validated with simulation data from CATT room acoustics software. Other important acoustical parameters are evaluated such as the early decay time, clarity, definition, lateral fraction and speech transmission index

Stocking and species composition of second growth forests in Peninsular Malaysia.

Management of the production forests in Malaysia is currently undergoing a major change as the total extent of undisturbed forest being harvested is diminishing. Currently most of the harvesting operations are being conducted in second growth (rotation) forests and in the near future all production forest will solely consist of only logged forests. This is expected to result in a significant reduction of the supply of raw materials to the industry because second growth forest stands are generally poorer and not so well-stocked with quality timber species. According to the forest management systems applied to these forests, namely the Selective Management System (SMS) and the Malayan Uniform System (MUS), the residual forests should be able to recover in the specified rotation cycle and there should be sufficient quality crop for the second and subsequent harvests. To understand the situation, a study was carried to assess the stocking and species composition of second rotation forests in two production forests located in Tekam Forests Reserve, Pahang and Cherul Forest Reserve, Terengganu. The study results indicated that the second rotation forests are not as productive as predicted but still able to produce an economic harvest in terms of total timber yield within the specified rotation cycle. However, based on inventory projections of existing stocks, it was found that in general the forests have not fully recovered in terms of stocking of commercial species. Species composition has been altered favouring higher dominance of non-dipterocarp species. Some of the major factors that could have contributed to this phenomenon are slower recovery of the forest after the first cut, higher mortality due to logging damage, and implementation of cutting limit prescriptions that favour high removal of dipterocarps as they are dominant in the upper diameter classes. It must be noted that the second growth forest assessed were those that were more than 20 years old. Currently, forest management practices have improved significantly and thus the recent second growth forests are expected to be in a much better condition. The information generated from this project on the status of the stocking and species composition of second growth forest will be essential for improving planning and management of the resource with the aim of enhancing future productivity

An Assessment of Risk of Iodine Deficiency Among Pregnant Women in Sarawak, Malaysia

Previous findings from a state-wide Iodine Deficiency Disorders (IDD) study among pregnant women (PW) in Sarawak indicated that PW are at risk of IDD and further assessment is needed. This paper describes the methodology used in conducting this study for an assessment of risk of iodine deficiency among pregnant women in Sarawak, Malaysia. A total of 30 maternal child health care clinics (MCHCs) were selected using probability proportional to population size (PPS) sampling technique. The PW sample size was calculated based on 95% confidence interval (CI), relative precision of 5%, design effect of 2, anticipated IDD prevalence of 65.0% and non-response rate of 20%. Thus, the total sample size required was 750 (25 respondents per selected MCHC). The WHO Expanded Programme on Immunization (EPI) surveys approach was used to randomly select the first respondent and subsequent respondents were chosen until the required number of PW was met. The required data were obtained through: face-to-face interviews (socio-demographic and food frequency questionnaire), clinical assessments (thyroid size, and hyper/hypothyroidism) and biochemical analysis (urine and blood serum). A total of 677 PW responded in the study with a response rate of 90.2%. Majority of the PW were at second gravida, aged 25-29 years old and of Malay ethnicity. The methodology used in this study was based on International guidelines which may provide state's estimates. All the necessary steps were taken into consideration to ensure valid and reliable findings on current iodine status among PW

Quality of life satisfaction among converted Kelantan Chinese Muslims

This article investigates the quality of life of the Kelantan Chinese Muslim community before and after conversion to Islam, focusing on their level of satisfaction in term of economic aspect. This research was carried out using the sequential explanatory mixed method design involving 75 respondents selected for quantitative and five respondents for qualitative. The sampling method adopted was convenience and snowball samplings. The research data was collected using questionnaires and semi-structured interviews. The results revealed that respondents were moderately satisfied before conversion and satisfied after conversion. Besides that, there is no significant difference of quality of life before and after conversion to Islam (F = 0.868, p = 0.355) and it was not influenced by the period of conversion to Islam (F = 0.832, p = 0.589). This analysis indicates numerous respondents are still moderately satisfied in their quality of life even though the average data shows they are satisfied after conversion

REMOVAL OF As(V) BY Ce(IV)-EXCHANGED ZEOLITE P USING COLUMN METHOD (Penyingkiran As(V) oleh Ce(IV)-Zeolit P Menggunakan Kaedah Turus)

Abstract Zeolite P was modified by ion exchange with Ce(IV) cation (Ce4ZP) and its performance for removal of As(V) anion using column method is described. The removal of As(V) was strongly depending on the bed depth, influent flow rate and initial As(V) concentration. The increase in bed depth enable more water can be treated, but with a slight reduction in adsorption capacity. At lower flow rate, the quantity of treated water and adsorption capacity were found to increase. At higher influent concentrations, better adsorption capacity was observed. The theoretical service times evaluated from bed depth service time (BDST) model for different flow rates and influent As(V) concentrations shows good correlation with the experimental data. Keywords: Arsenate, BDST model, Ce(IV)-zeolite P, column, adsorption Abstrak Zeolite P telah diubahsuai secara penukaran ion dengan kation cerium (IV) (Ce4ZP) dan kebolehannya untuk penyingkiran anion As(V) menggunakan kaedah turus dilaporkan. Penyingkiran As(V) bergantung kepada ketinggian turus, kadar aliran masuk dan kepekatan awal As(V). Penambahan ketinggian turus menghasikan lebih banyak air yang dapat dirawat tetapi ia merendahkan sidikit muatan jerapan. Pada kadar aliran masuk yang rendah, kuantiti air yang dirawat dan muatan jerapan meningkat. Sample air dengan kepekatan arsenik lebih tinggi menghasilkan muatan jerapan yang lebih tinggi. Jangka masa operasi turus yang dikira dari model BDST hampir sama dengan jangka masa operasi yang didapati secara eksperimen. Kata kunci : Arsenat, model BDST, Ce(IV)-zeolit P, turus, jerapan Introduction Arsenic is harmful to man and living organisms and a suspected carcinoge

Compaction characteristics of lime-treated tropical soil

Like soils of other regions in the world, some tropical soils are also associated with problems of low strength. To improve engineering characteristics of soils, several methods have been employed worldwide which are categorized as mechanical, chemical, thermal and electrical. The aim of this research is to compare the compaction characteristics of untreated and lime-treated soils. Soil samples obtained from three different points within a project site in Klang, Selangor were utilized in this study. Each sample was subjected to Eades and Grimm's test in accordance with ASTM D6276-99a to determine the appropriate lime dosage for soil stabilization. The required lime dosage was found between 1.3% and 3.4%. Then each untreated soil and soil sample mixed with 5% lime, higher than that obtained from Eades and Grimm's tests were compacted in accordance with BS 1377:1990. Generally, each soil sample achieved lower values of maximum dry density after treated with 5% lime than those of the untreated soils. Such observations were in good agreement with those obtained by previous researchers working on lime-treated soils. Nonetheless, the optimum moisture content of the lime-treated sample from Points 1 was slightly higher than that of the untreated sample. This finding was different from those obtained by previous researchers. Such contradicting observation might be due to the type and quantity of mineralogical contents of the soils studied

Load-deformation analysis on a slope at Gunung Pulai water treatment plant, Sultan Ibrahim reservoir

The Sultan Ibrahim Reservoir located at Gunung Pulai catchment area was previously managed by the Singapore's Public Utilities Board before the Board handed over the reservoir to Johor State Government under current management of the Syarikat Air Johor. At the present time, the Syarikat Air Johor is operating a Gunung Pulai Water Treatment Plant consisted of two main plants, i.e. Water Sedimentation Plant and Water Filtration Plant for treating raw water from the reservoir before supplying to the consumers. However, the integrity of water treatment plant's structure should be checked due to several cracks were observed, and moreover the structure was built over more than 90 years. The formation of the cracks in the Gunung Pulai Water Treatment Plant may be induced by movement of the sloping area to the south-east of Water Sedimentation Plant. The calculated Factor of Safety (FOS) via sensitivity analysis for cross sections of original slope indicates any decrease in friction angle and/or cohesion strength or increase in horizontal seismic load will further cause instability on slope. Also, the results of Load-Deformation analysis on cross sections of original slope show significant vertical displacement and horizontal displacement on the bottom and both sides of sedimentation tanks, respectively. The results indicate applied structural and water loads significantly affect deformation at both vertical and horizontal directions which could have contributed to FOS < 1 in slope stability analysis

Geoeconomic variations in epidemiology, ventilation management, and outcomes in invasively ventilated intensive care unit patients without acute respiratory distress syndrome: a pooled analysis of four observational studies

Background: Geoeconomic variations in epidemiology, the practice of ventilation, and outcome in invasively ventilated intensive care unit (ICU) patients without acute respiratory distress syndrome (ARDS) remain unexplored. In this analysis we aim to address these gaps using individual patient data of four large observational studies. Methods: In this pooled analysis we harmonised individual patient data from the ERICC, LUNG SAFE, PRoVENT, and PRoVENT-iMiC prospective observational studies, which were conducted from June, 2011, to December, 2018, in 534 ICUs in 54 countries. We used the 2016 World Bank classification to define two geoeconomic regions: middle-income countries (MICs) and high-income countries (HICs). ARDS was defined according to the Berlin criteria. Descriptive statistics were used to compare patients in MICs versus HICs. The primary outcome was the use of low tidal volume ventilation (LTVV) for the first 3 days of mechanical ventilation. Secondary outcomes were key ventilation parameters (tidal volume size, positive end-expiratory pressure, fraction of inspired oxygen, peak pressure, plateau pressure, driving pressure, and respiratory rate), patient characteristics, the risk for and actual development of acute respiratory distress syndrome after the first day of ventilation, duration of ventilation, ICU length of stay, and ICU mortality. Findings: Of the 7608 patients included in the original studies, this analysis included 3852 patients without ARDS, of whom 2345 were from MICs and 1507 were from HICs. Patients in MICs were younger, shorter and with a slightly lower body-mass index, more often had diabetes and active cancer, but less often chronic obstructive pulmonary disease and heart failure than patients from HICs. Sequential organ failure assessment scores were similar in MICs and HICs. Use of LTVV in MICs and HICs was comparable (42\ub74% vs 44\ub72%; absolute difference \u20131\ub769 [\u20139\ub758 to 6\ub711] p=0\ub767; data available in 3174 [82%] of 3852 patients). The median applied positive end expiratory pressure was lower in MICs than in HICs (5 [IQR 5\u20138] vs 6 [5\u20138] cm H2O; p=0\ub70011). ICU mortality was higher in MICs than in HICs (30\ub75% vs 19\ub79%; p=0\ub70004; adjusted effect 16\ub741% [95% CI 9\ub752\u201323\ub752]; p&lt;0\ub70001) and was inversely associated with gross domestic product (adjusted odds ratio for a US$10 000 increase per capita 0\ub780 [95% CI 0\ub775\u20130\ub786]; p&lt;0\ub70001). Interpretation: Despite similar disease severity and ventilation management, ICU mortality in patients without ARDS is higher in MICs than in HICs, with a strong association with country-level economic status. Funding: No funding