Mudarabah is a special kind of partnership where one partner providers the capital (rabb-ul-maal) to the other (mudarib) for investment in a commercial enterprise.
Mudarabah is a special kind of partnership where one partner providers the capital (rabb-ul-maal) to the other (mudarib) for investment in a commercial enterprise.
The group presentation is telling about the general description on Al Mudharabah (profit sharing partnership) transaction, which is classified under one of the Islamic Banking transactions.
The group presentation is telling about the general description on Al Mudharabah (profit sharing partnership) transaction, which is classified under one of the Islamic Banking transactions.
AlHuda-Centre of Islamic Banking and Economics (CIBE) is a well known name in Islamic Banking and Finance sector which focuses on training, awareness, advisory and publications on Islamic Banking & Finance in order to promote the industry. AlHuda CIBE has organized a successful Conference "3rd Global Islamic Microfinance Forum" held on 6th & 7th October, 2013 in Dubai. AlHuda CIBE is very much pleased to share the topics and presentations being held in the Forum.
An authentic and comprehensive presentation on Musharaka - the Islamic Finance instrument. The presentation covers the classic fiqh aspects of Shirqat and also Musharaka as we know it in Islamic banking parlance today.
I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
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I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
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Management Sciences, Business Management, Marketing, HRM, Banking, Business Marketing, Corporate Finance, International Business Management
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I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
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Management Sciences, Business Management, Marketing, HRM, Banking, Business Marketing, Corporate Finance, International Business Management
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I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
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I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
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I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
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I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
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June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Normal Labour/ Stages of Labour/ Mechanism of LabourWasim Ak
Normal labor is also termed spontaneous labor, defined as the natural physiological process through which the fetus, placenta, and membranes are expelled from the uterus through the birth canal at term (37 to 42 weeks
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Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
1.4 modern child centered education - mahatma gandhi-2.pptx
Islamic Mode of Finance
1. MUSHARAKAH
Hadees-e-Qudsi
Allah Subhan-o-Tallah has declared that He will
become a partner in a business between two
Mushariks until they indulge in cheating or
breach of trust (Khayanah)
Definition
The word “Musharakah” in Arabic is Shirkah,
which means being a partner.
2. In business terminology
Musharakah means a joint enterprise formed for
conducting some business in which all partners
share the profit according to a specific ratio
while the loss is shared according to the ratio of
the contribution.
Classification of Musharakah
In the terminology of Islamic Fiqh, it has been
divided into two kinds:
3. (1) Shirkat-ul-milk (Partnership by joint
ownership):
It means joint ownership of two or more persons in
a particular property. This kind of "Shirkah" may
come into existence in two different ways:
a) Optional (Ikhtiari):
At the option of the parties e.g., if two or more
persons purchase equipment, it will be owned jointly
by both of them and the relationship between them
with regard to that property is called "Shirkat-ul-
Milk Ikhtiari"
4. b) Compulsory (Ghair Ikhtiari):
This comes into operation automatically
without any effort/action taken by the
parties. For example, after the death of
a person, all his heirs inherit his property,
which comes into their joint ownership as
a natural consequence of the death of that
person.
5. Musha in Shirkat-ul-milk
In shirkat-ul-milk when property is jointly owned
but not divided yet, is called Musha.
Undivided shares or other assets can be used in
the following manner:
a) Mushtarik Intifa’:
Mutually or jointly using an asset by taking turns
under circumstances where the partners or joint
owners are on good terms
6. b) Muhaya:
Under this arrangement the owners will set turns in
days for example one may use the product for 15
days and then the other may use it for the rest of
the month.
c)Taqseem:
Referring to division of the jointly owned assets.
d) Sale of assets
Under a situation where the partners are not
satisfied with Muhaya arrangement, the property
or asset jointly held can be sold off and proceeds
divided between the partners.
7. (2)Shirkat-ul-Aqd (Partnership by contract):
"a partnership effected by a mutual contract“
Shirkat-ul-Aqd is further divided into three
kinds:
a) Shirkat-ul-Amwal
(Partnership in capital) where all the partners
invest some capital into a commercial
enterprise.
8. b) Shirkat-ul-Aamal(Partnership in services)
where all the partners jointly undertake to render
some services for their customers, and the fee
charged from them is distributed among them
according to an agreed ratio.
c) Shirkat-ul-wujooh (Partnership in goodwill)
In the Arabic wordWajahat meaning goodwill.
Here the partners have no investment at all. They
purchase commodities on deferred price, by
getting capital on loan because of their goodwill
and sell them at spot. The profit so earned is
distributed between them at an agreed ratio.
9. Each of the above three types of Shirkat-ul-Aqd
are further divided into two types:
a) Shirkat-Al-Mufawada:(Capital & labour at
par):
All partners share capital, management, profit,
risk in absolute equals. Every partner who
shares equally is aTrustee, Guarantor and Agent
on behalf of the other partners.
10. b) Shirkat-ul-Ainan:
where equality in capital, management or liability
might be equal in one case but not in all respect
meaning either profit is equal but not labour or vice
versa.
Rules & Conditions of Shirkat-ul-Aqd:
a) The existence of Muta’aqideen (Partners):
b) Capability of Partners: Must be sane & mature
and be able of entering into a contract.
11. c) The presence of the commodity:This means the
price and commodity itself.
Special conditions
1-goods should be valuable & each member in
Shirkat-ul-Aqd should duly qualify as legally being
eligible of becoming an agent and of carrying on
business eg. ‘A’ has written a book and owns it, ‘B’
cannot sell it unless ‘A’ appoints ‘B’ as his agent.
2-The rate of profit sharing should be determined
12. Basic rules of Capital in Musharka
The capital in a Musharakah agreement should be:
a) Quantified (Ma’loom): Meaning how much etc.
b) Specified (Muta’aiyan):Meaning specified
currency etc.
c) Not necessarily be merged:
d) Not necessarily be in liquid form: it can be in
form of commodities
13. Management of Musharakah
Every partner has a right to take part in its
management and to work for it.
The partners may agree upon a condition
that the management shall be carried out by
one of them, and no other partner shall work
for the Musharakah. But the ratio of profit of
sleeping partner should not exceed the ratio
of his investment.
14. Basic rules of distribution of Profit
The ratio of profit for each partner must be
determined in proportion to the actual profit.
Not to investment.
It is not allowed to fix a lump sum amount of
profit for anyone of the partners.
It is also allowed that if an investor is working,
his profit share (%) could be more than his
capital base (%).
15. It is allowed that if a partner is not working,
his profit share can be established as less
than his capital share.
If both are working partners, the share of
profit can differ from the ratio of investment.
Eg. Zaid & Bakar both have invested
Rs.1000/- each. However Zaid gets 1/3rd of the
total profit and Bakar 2/3rd , this is allowed.
16. Basic rules of distribution of Loss
All scholars are unanimous on the principle of
loss sharing in Shariah based on the saying of
SyednaAli ibnTalib that is as follows:
“Loss is distributed exactly according to the
ratio of investment and the profit is divided
according to the agreement of the partners.”
17. Termination of Musharakah
purpose of forming the Shirkah has been
achieved.
Every partner has the right to terminate the
Musharakah at any time after giving his partner
a notice that will cause the Musharakah to end.
In case of a death of any one of the partners or
any partner becoming insane or incapable of
effecting commercial transaction, the
Musharakah stands terminated.
18. Termination of Musharakah without closing
the business
If one of the partners wants termination of the
Musharakah, while the other partner or partners
like to continue with the business, this purpose
can be achieved by mutual agreement.