Deemed Consent in Islamic Banking from Contract Law Perspective: A Sharia Analysis

This paper is specifically focusing on the issue of deemed consent as applied in modern Islamic financial contracts. It has been recognized by some scholars and rejected by others. The purpose of this study is to examine the meaning of deemed consent in contract law and its recognition from the Sharia point of view. It begins with examining the meaning of sighah and deemed consent from civil law as well as Islamic law perspective and followed by the analysis of the effect of silence in the validity of acceptance in Islamic law of contract. The approach that is applied in this study is qualitative research in nature, with regards to documentation and secondary sources by reviewing and analyzing the fiqhi perspective of consent and silence in Islamic law; by taking into consideration current practice of financial industry. The findings of the study are that deemed consent in the law can be considered as an acceptance. It is understood by the buyer indicating his consent to the sale by his conduct or silence. Generally, absolute silence in banking transactions is not an acceptance, but that there must be evidences or clues indicating the consent of customers. As such the non-absolute silence can be considered as acceptance in the Islamic law by taking into consideration some Sharia parameters proposed in this study. Interestingly, this idea is also shared by the Common law. Accordingly, based on the analysis conducted in this study, tacit acceptance, or implied acceptance is one of the means of expressing contemporary consent that can be applied. This study develops Sharia parameters consisting of five items as important guidelines in applying deemed consent in the Islamic banking

Applying self-regulation models in online learning

Self-regulation can be viewed as a process that can assist students in the learning task to improve learning achievement thus to become a lifelong learners through the ability to plan, monitor and evaluate own learning. Based on previous studies, self regulation learning strategy is usually applied in second language subjects, comprehension task, reading, spelling, Mathematics, and also writing. However, regulation in online learning is difficult to establish hence less studies were found exploring this area. The purpose of this paper is to underline the importance of self regulation in online learning. Self-regulation is found to be important in assisting students to develop their knowledge, skills and strategies and overcome learning difficulties in learning

rekabentuk bahan pembelajaran penyelesaian masalah matematik berdasarkan schema-based instruction dalam kalangan pelajar disleksia

Disleksia merupakan masalah pembelajaran spesifik yang disebabkan oleh masalah neurologi. Kekeliruan dalam menyahkod sesuatu perkataan menyebabkan gangguan semasa sesi pembelajaran dan emosi pelajar. Masalah matematik tidak hanya bergantung dengan penggunaan nombor dan simbol semata-mata. Terdapat juga domain matematik yang menggunakan perkataan dan pada kebiasaannya dalam bentuk soalan penyelesaian masalah. Tujuan kajian ini adalah bagi mereka bentuk bahan bantu mengajar yang menggunakan schema–based instruction (Jitendra, 2010) sebagai strategi pembelajaran masalah matematik. Pembelajaran bagi pelajar disleksia direka bentuk bagi pembangunan aplikasi bahan bantu mengajar. Rekabentuk ini dilakukan khususnya untuk membantu pelajar disleksia menyelesaikan masalah matematik yang berbentuk perkataan

Etika Kerja Islam sebagai Penyederhana dalam Hubungan antara Kecerdasan Emosi dan Kepemimpinan Administrator Universitas Negeri

The main challenges for the HEIs are to provide a market driven academic programmes and able to respond to the changing needs of economic sectors. Apparently, the recent challenges require the staff to equip themselves with leadership quality in order to achieve organizational goals. Previous studies have shown several factors such as EI influenced effective leadership. Another significant issue in leadership is ethical behaviors. Therefore, this study intends to examine the relationship between EI and leadership practices when Islamic work ethic is practiced in Malaysian public universities. The respondents will consist of middle administrators in Malaysian public universities. Using qualitative and cross sectional approaches, surveys will be distributed to the stratified randomly selected respondents. Most of the past results suggested there were significant relationships between the variables. The findings are expected to have some contributions both to the practical and theoretical aspects and enable PHIs to improve their leadership training programmes

A Review on Knowledge Audit Process

Knowledge audit output helps organizations to make recommendation of KM strategy which later can be used for better managing the knowledge. This paper reviews literature on knowledge audit process with the aim to understand the process, the data gathering techniques employed and the roles of knowledge audit. It aims to report the research gaps and propose directions for future research in this domain. A comprehensive three-stage method for extracting, analyzing and reporting the literature-based findings was applied in analyzing the literature survey. The literature survey is based on a search for the keywords “knowledge audit”, “knowledge audit process”, “knowledge audit output” and “knowledge audit roles”, first on the ISI Web of Knowledge online database, followed by Association of Information Systems basket of top journals and other reputable literatures. The paper concludes with an understanding on how knowledge audit is conducted, the data gathering techniques used and its contributions to the organization. However no literature was found on knowledge audit practices for inter-organization. Future research on how knowledge audit could be extended for inter-organization is suggested at the end of the paper. However, this paper only covers literature that discussed in depth the knowledge audit process published in certain journals. Never the less, it is believed that the findings provide a valuable understanding of the current situation in this research field

Study of heterosis in Bangladeshi chilli (Capsicum annuum L.) landraces

Chilli is an important cash crop in Bangladesh but average yield is very low (0.89 t ha-1) and genetic potentiality of Bangladeshi chilli landraces for hybrid variety development has not been evaluated. The objective of this study was to find out heterotic behavior following Gardner and Eberhart model (1966) II. Six different homozygous divergent parents CCA 2, CCA 5, BARI Morich 1, CCA 11, CCA 15 and CCA 19 were used to estimate heterosis. A significant amount of heterosis was present in yield and yield contributing traits. Estimate of variety heterosis for yield per plant was significantly positive in CCA 5 and BARI Morich 1. In BARI Morich 1, the significant and positive variety heterosis for yield per plant was associated with significant and positive estimates of heterosis for number of fruits per plant and number of seeds per fruit, suggesting that these yield traits contributed to the final heterosis manifested through yield. Indigenous×exotic crosses showed significant amount of heterosis. It is possible to emphasize indigenous×exotic crosses for good fruit yield, particularly to be used as commercial hybrids. Hybrids of BARI Morich 1×CCA 19 and CCA 5×BARI Morich 1 showed better performance

Distribution of Weed Population in the Costal Rice Growing Area of Kedah in Peninsular Malaysia

This study aimed to develop appropriate weed management technology on selected salt tolerant rice variety(s) as well as to develop package of production technologies for rice in saline environments of Malaysia. This study was conducted at 40 different rice fields in 10 blocks of Kedah coastal area of West Malaysia during June-July, 2009 to identify most common and prevalent weeds associated with rice. Fields survey were done according to the quantitative survey method by using 0.5x0.5 m size quadrate with 20 samples from each field. A total of 42 different weed species belonging to 17 families were identified of which 25 annual and 17 perennial; 9 grassy weeds, 11 sedges and 22 broadleaved weeds. Leptochloa chinensis, Echinochloa crusgalli, Fimbristylis miliacea, E. colona, Cyperus iria, Sphenoclea zeylanica, Cyperus deformis, Oryza sativa spontanea, Scirpus grossus and Jussia linifolia were most frequent species covering more than 50% fields. Based on relative abundance indices, annuals were more dominant than perennials. Leptochloa chinensis, Echinochloa crusgalli, Fimbristylis miliacea, E. colona were most dominant weed species in the coastal rice field of Kedah

Allelopathic Potential of Rice Varieties against Spinach (Spinacia oleracea)

Two laboratory experiments were conducted to investigate the allelopathic effects of rice varieties on spinach (Spinacia aleracea L.). Fifteen rice varieties were included for evaluation. Two methods viz. Sandwich method and Relay seeding method were used to observe the allelopathic effects of rice varieties on seed germination, mean germination time, shoot and root length and dry matter production of spinach as a test crop. Average inhibition in spinach growth was calculated to evaluate the allelopathic potential of the rice varieties. All the selected varieties of rice were more or less detrimental to studied characters of spinach. WITA12 resulted in about 48% average percent inhibition of spinach growth. On the basis of average percent inhibition rice varieties ranked in order of WITA12>Dular>WITA3>BR26>BRRI dhan42>BRRI dhan39>BRRI dhan31>BRRI dhan44>BRRI dhan40>BR19>BRRI dhan43>BRRI dhan46>BRRI dhan47>BRRI dhan45>BRRI dhan28. Both the evaluation methods were positively correlated in determining percent reduction in most of the parameters of spinach due to allelopathic effects of rice

The effects of tax audit and investigation activities on individual tax compliance : evidence from Malaysia / Razilina A. Razak, Zaleha Abdul Shukor and Norsiah Ahmad.

Tax non-compliance presents a major problem because it undermines the effectiveness of a country's macroeconomic policy. Tax non-compliance is not only affected by economic factors, but also by tax dministration and individual psychological factors. Employing the Reintegrative Shaming Theory, a survey was conducted on individual taxpayers who had experienced either being audited or investigated by the Inland Revenue Board Malaysia (IRBM). Findings on the 172 respondents indicated if taxpayers perceived their experience with tax enforcement to be reintegrative, they tended to be tax compliant in the long run. However, if taxpayers perceived tax enforcement to be stigmatized, no significant association between such an experience and future tax compliance was found. In addition, feelings of resentment either towards tax authority or tax laws tended to have a mediating effect between the perception of reintegrative enforcement experience and the tendency for tax compliance. These findings suggested that the IRBM should seriously consider an enforcement method that is of reintegrative, rather than stigmatized nature, to effectively nurture compliance among individual taxpayers