It is well known that interest-based banks accept deposits of different maturities, paying different rates of interest on different kinds of deposits. Islamic banks do not pay interest on deposits. How Islamic banks operate different kinds of deposits
The report is based on banking system in Pakistan, that's Islamic and Conventional banking. How they operate in Pakistan, and what are their products and services for public as per State Bank of Pakistan.
It is well known that interest-based banks accept deposits of different maturities, paying different rates of interest on different kinds of deposits. Islamic banks do not pay interest on deposits. How Islamic banks operate different kinds of deposits
The report is based on banking system in Pakistan, that's Islamic and Conventional banking. How they operate in Pakistan, and what are their products and services for public as per State Bank of Pakistan.
the presentation will help you in understanding diffrent terms of islamic banking. also it will help you in finding the answers of your critics about islamic banking.
Islamic Banking (IB)Definition:Islamic banking can be defined as: a form of modern banking based on Islamic legal concepts using risk- sharing as its main method excluding financing based on fixed pre- determined return.
Islamic Banking refers to a system of banking that complies with Islamic law also known as Shariah law which prohibits interest based banking and permits only profit sharing based banking.
Details about the Islamic banking system in Pakistan and give an overview of Islamic banking in any Islamic country. It gives some help for the fresh students to learn about Islamic banking.
Growth prospects of islamic banking in pakistanLubna Arbi
Islamic banking its products, history and analysis with conventional banks.Along with competitive advantages, barriers and suggestions for improvement in Pakistan.
the presentation will help you in understanding diffrent terms of islamic banking. also it will help you in finding the answers of your critics about islamic banking.
Islamic Banking (IB)Definition:Islamic banking can be defined as: a form of modern banking based on Islamic legal concepts using risk- sharing as its main method excluding financing based on fixed pre- determined return.
Islamic Banking refers to a system of banking that complies with Islamic law also known as Shariah law which prohibits interest based banking and permits only profit sharing based banking.
Details about the Islamic banking system in Pakistan and give an overview of Islamic banking in any Islamic country. It gives some help for the fresh students to learn about Islamic banking.
Growth prospects of islamic banking in pakistanLubna Arbi
Islamic banking its products, history and analysis with conventional banks.Along with competitive advantages, barriers and suggestions for improvement in Pakistan.
"Credit Performance of a Branch for Export Import Bank Bangladesh Limited,’Md. Sabbir Ali
From the research it has been found that evaluating credit worthiness is the very first step of minimizing credit risk. Exim bank always evaluates worthiness of customers before granting their loans or advances. Employees of the bank believe that the existing way of evaluating credit worthiness has no flaws.
Exim bank takes different kind of security measures before and after granting credit. For example, exim bank looks at the CIB report and Transaction Profile to find out the credit history and credit defaults of the customer. Security measures like frequent monitoring and early alert process for loan payment can reduce the risk of credit default.
From the research it has been found that documentation has positive correlation with credit Risk management Processand hence documentation can minimize credit risk. Proper documentation of loan and advance provides legal support against the loan.
Collateral is one of the most important parts of credit risk management. Collateral provides safeguard against non-performing loans and advances. For that reason banks always trends to keep good quality collateral. This research has found that there is a positive correlation between collateral and minimizing credit risk.
Efficiency also has an effect on credit risk management. Bank’s ability to understand risk and schedule disbursement and collection increases efficiency and minimizes credit risk.
Types of Sukuk (Islamic Bond)
Sukuk are among the most recent products that are created using structural application in the Islamic financial markets. In order to design flexible securities that could respond to different financing needs of economic agencies in the capital market on one hand and to comply with Islamic principles and standards on the other hand, Muslim scholars started thinking about designing Islamic financial instruments. To this aim, expansive studies were conducted into Shariah-compliant contracts and their ability to be used as instruments so that to design financial instruments that would be able to replace bonds and preferred stocks, which are mainly based on Riba and loans with interests. Eventually, Sukuk was designed as an alternative investment instrument for securities with fixed returns such as bonds that are Hiram in the holy Shariah of Islam. After the successful implantation of the Riba-free banking, Muslim scholars managed to design different financial instruments based on Sharia rules and the actual needs of the Islamic countries. These instruments could be divided into three categories:
Types of foreign exchange (currency) exposurehamzedalha
Introduction
A firm's economic exposure to the exchange rate is the impact on net cash flow effects of a change in the exchange rate. It consists of the combination of transaction exposure and operating exposure. Having determined whether the firm should hedge its exposure, this note will discuss the various things that a firm can do to reduce its economic exposure. Our discussion will consider two different approaches to handling these exposures: real operating hedges and financial hedges
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
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It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
Accpac to QuickBooks Conversion Navigating the Transition with Online Account...PaulBryant58
This article provides a comprehensive guide on how to
effectively manage the convert Accpac to QuickBooks , with a particular focus on utilizing online accounting services to streamline the process.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Memorandum Of Association Constitution of Company.pptseri bangash
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A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
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Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
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Taurus Zodiac Sign_ Personality Traits and Sign Dates.pptxmy Pandit
Explore the world of the Taurus zodiac sign. Learn about their stability, determination, and appreciation for beauty. Discover how Taureans' grounded nature and hardworking mindset define their unique personality.
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India Orthopedic Devices Market: Unlocking Growth Secrets, Trends and Develop...Kumar Satyam
According to TechSci Research report, “India Orthopedic Devices Market -Industry Size, Share, Trends, Competition Forecast & Opportunities, 2030”, the India Orthopedic Devices Market stood at USD 1,280.54 Million in 2024 and is anticipated to grow with a CAGR of 7.84% in the forecast period, 2026-2030F. The India Orthopedic Devices Market is being driven by several factors. The most prominent ones include an increase in the elderly population, who are more prone to orthopedic conditions such as osteoporosis and arthritis. Moreover, the rise in sports injuries and road accidents are also contributing to the demand for orthopedic devices. Advances in technology and the introduction of innovative implants and prosthetics have further propelled the market growth. Additionally, government initiatives aimed at improving healthcare infrastructure and the increasing prevalence of lifestyle diseases have led to an upward trend in orthopedic surgeries, thereby fueling the market demand for these devices.
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Conventional banking vs islamic banking
1. Conventional Banking Vs Islamic Banking
The distinguishing features of the conventional banking and lslamic banking may be shown in
terms of a box diagram as under
Conventional Banking Islamic Banking
1. The functions and operating modes of
conventional banks are based on man-
made principles
1. The functions and operating modes of
Islmaic banks are based on the principles
of Islamic Shariah
2. The investor is assured of a predetermined
rate of interest
2. In contrast, it promotes risk sharing
between provider of capital (investor) and
the use of funds (entrepreneur)
3. It aims at maximizing profit without any
restrictions
3. It also aims at maximizing profit but
subject to Shariah restrictions
4. It does not deal with zakah 4. In the modern Islamic banking system, it
has become one of the service-oriented
functions of the Islamic banks to collect
and distribute zakah.
5. Lending money and getting it back with
interest is the fundamental function of the
conventional banks
5. Participation in partnership business is the
fundamental function of the Islamic banks
6. Its scope of activities is narrower when
compared with an Islamic bank.
6. Its scope of activities is wider when
compared with a conventional bank. It is,
in effect, a multipurpose institution.
7. It can charge additional money
(compound rate of interest) in case of
defaults
7. The Islamic banks have no provision to
charge any extra money from the
defaulters.
8. In it very often, banks own interest
becomes prominent. It makes no effort to
ensure growth with equity
8. It gives due importance to the public
interest. Its ultimate aim is to ensure
growth with equity.
9. For interest-based commercial banks,
borrowing from the money market is
relatively easier.
9. For Islamic banks, it is comparatively
difficult to borrow money from the money
market.
2. 10. Since income from the advances is fixed,
it gives little importance to developing
expertise in project appraisal and
evaluations.
10. Since it shares profit and loss, Islamic
banks pay greater attention to developing
project appraisal and evaluations
11. Conventional banks give greater
emphasis on credit-worthiness of the
clients
11. Islamic banks, on the other hand, give
greater emphasis on the viability of the
projects
12. The status of a conventional bank, in
relation to its clients, is that of creditor
and debtors
12. The status of Islamic bank in relation to
its clients is that of partners, investors and
trader
13. A conventional bank has to guarantee all
its deposits.
13. Strictly speaking, an Islamic bank cannot
guarantee all its deposits
In spite of the differences mentioned above between the Islamic and Conventional banks, both
have something in common. Since Islamic banks do not rent money, and therefore do not charge
interest, they have developed some investment techniques such as bai ' murabahah, musharakah
and mudarabah in order to invest money and make profit. In any of these techniques, profitability
and installment of repayment are identified beforehand. In additions, some Islamic banks practice
certain forms of leasing. Many of the services handled by conventional banks and not related to
interest. such as letters of credits, collections, foreign exchange, financial advising etc., are
performed by Islamic banks. Some Muslim banks handle a large percentage of the Islamic bank's
money in the commodities markets. [f it is considered that banks and financial institutions measure
their success in terms of Returns on Assets (ROA), the commodity transaction can be developed
to achieve the goals of the parties concerned - the Islamic bank, the conventional bank and the
client of the conventional bank.