Al-Amanah Islamic Investment Bank Of The Philippines

Al-Amanah Islamic Investment Bank Of The Philippines Republic Act No. 6848, also called The Charter of the Al-Amanah Islamic Investment Bank of the Philippines traces that the basic role of the Islamic bank is to advance and quicken the financial improvement of the Autonomous Region by performing banking, financing and speculation tasks and to set up and take an interest in rural, business and modern endeavors dependent on the Islamic idea of banking. Notwithstanding permitting the bank to go about as an all inclusive bank fit for offering both ordinary and Islamic financial items and administrations, the Sections No. 10 11 of the contract separately give motivating forces as speculator security, and award the bank the capacity to acknowledge awards and gifts (Congress of the Philippines, 1989). Dimapunong (2006) gives foundation data and analysis on the principles and guidelines administering the Al-Amanah Islamic Bank. An establishing administrator of the bank, the creator likewise expounded on the job of previous representative Mamintal A. Tamanos job in the foundation of the first Philippine Amanah Bank, the antecedent of the current Al-Amanah Islamic Investment Bank of the Philippines. An uncommon delegate from Muslim Mindanao, the late representative was as far as anyone knows the first to imagine a Muslim bank in the Philippines, when present day Islamic banking was at its early stages. As indicated by the creator, the first PAB was not appropriately Shariah-agreeable driving Ulama guidance to whine about the foundation deluding the general population. By 1988 it had been regarded a total disappointment having just failed (Dimapunong A. A.). Sandra Isnaji (2003) led a SWOT (Strength-Weakness-Opportunity-Threat) examination of the Amanah Bank and recommends a recovery plan for the establishment including imbuements of capital from the legislature so as to dispose of the banks obligation and to put resources into new foundation. Her paper was planned for responding to three inquiries concerning the ambushed banks status: (1) Where are we now? (2) Where would we like to be? what's more, (3) How would we arrive? To that degree, Isnaji took a gander at the territory of Islamic financial industry all in all, the condition of the Philippine budgetary framework, and the condition of the Amanah bank itself. With respect to the Amanah Banks tasks, Isnaji (2003) states that (at the hour of composing) it works on a two-window framework in which it offers both Islamic and traditional money related items and administrations. And keeping in mind that the foundation confronted no opposition from other Islamic banks, it confronted solid rivalry from the countrys customary money related organizations, both formal and casual. Concerning the Philippine financial area, the creator utilized Porters Five Forces system to break down the ABs rivalry inside it. The creator discoveries are as per the following: (1) concerning the bartering intensity of providers: the tight control of the Bangko Sentral bears it high haggling power, to the benefit of state-claimed banks, for example, the Amanah Bank; the dealing intensity of multilateral and two-sided help organizations(USTDA, WB, ADB, JBIC) is high because of their contribution with smaller scale money and improvement banks; the enormous size and sloppy nature of the work division manages it small haggling influence; bartering influence among contributors is profoundly slanted towards the higher salary deciles whos stores represent 88.3% of the reserve funds in banks, with the lower deciles having nor bartering influence. (2) with respect to the dealing intensity of purchasers, the higher salary deciles having a place with the center and privileged societies dwelled and additionally worked together in the National Capital Region (NCR) and request administrations, for example, à ¢Ã¢â€š ¬Ã¢ ¦electronic banking, finance administrations, and bill installments.; The force parts of the populace think that its hard to get financing from formal banks because of their circumstance, and in this way don't have a lot of haggling power, yet their sheer numbers offer a possibly huge market. (3) concerning the danger of new participants, any new Islamic banks permitted by the BSP could really profit the Amanah Bank by giving truly necessary perc eivability to the ambushed Philippine Islamic financial division. (4) as to the danger of substitute, eminent options that clients may select are casual money related organizations, bosses that give advance projects, or complete forbearance from banking altogether. Another danger is the surge of capital from the nation. (5) as to competition among existing players, the propensity of banks to be huge will in general lead them to maintain a strategic distance from little borrowers and savers, as such the administration has needed to build up the financial framework to incorporate such foundations as frugality and country banks which take into account the necessities of little borrowers and savers who might some way or another hotel to casual establishments. So as to counter the danger of oligopoly the legislature contends in the budgetary area by means of the Development Bank of the Philippines (DBP) and the Land Bank of the Philippines (LBP). (Isnaji, 2003) As a necessity of the Development Bank of the Philippines (DBP) obtaining of the Al-Amanah Islamic Investment Bank of the Philippines (AAIIBP), the Monetary Board of the Bangko Sentral ng Pilipinas (BSP) required the DBP to present a 5-year restoration plan for the bank. The underlying arrangement, submitted on 23 April 2008, was regarded deficient by the BSP. As such a draft of the updated arrangement was submitted on 18 March 2009. The overhauled arrangement was isolated into four sections: (1) a concise foundation expounding on the establishments legitimate premise, reason, and current circumstance, (2) a synopsis of its marketable strategies, (3) subtleties on the usage of said field-tested strategies, (4) and five-year monetary projections. (Panganiban, 2009) The modified restoration plan of the Amanah Bank bases on 4Rs, explicitly: Recapitalization by means of capital mixtures from the DBP and household and remote financial specialists; this is planned for covering the costs of the banks recovery Rebuilding of money related practicality concentrated on à ¢Ã¢â€š ¬Ã¢ ¦aggressive advertising endeavors to present AAIIBPs new items and administrations, liquidation of non-performing resources and the sourcing of unforeseen funds㠢â‚ ¬Ã¢ ¦ Rearrangement concentrated on working up institutional limit, especially with respect to Sharia consistence; includes hierarchical rebuilding, migration and revamping of bank workplaces, development and computerization. Changes regulation includes fortifying of corporate culture and administration, observing framework, hazard the board and review framework, and audit of item and working manuals. Specific accentuation has been given to the recapitalization technique which would give the assets expected to the next three purposes of the restoration. (Improvement Bank of the Philippines, March 2009) Islamic Banking Chong and Liu (2006) endeavored to decide how unique Islamic banking is from ordinary banking by analyzing Islamic financial practice in Malaysia utilizing the Engle-Granger mistake rectification philosophy. In their examination they find that regardless of being hypothetically extraordinary, by and by Islamic banking in Malaysia isn't altogether different from customary banking. As per their investigation, just an immaterial segment of Islamic bank financing in Malaysia depends on the benefit and-misfortune (PLS) sharing worldview and that Islamic stores are not premium free, yet depend on non-PLS modes that are allowed under Sharia law, however overlook the soul of the usury preclusion. This equals Islamic financial involvement with different nations. The creators infer that Islamic financial practices can't contrast too extraordinarily from ordinary financial practice because of hardened rivalry that makes intrigue free Islamic stores firmly pegged to traditional stores. This end can have suggestions for the brand is Islamic banking, especially concerning its frequently touted non-premium based character. Be that as it may, it likewise has expository and administrative ramifications; the similitude of Islamic financial practices to ordinary financial practices would disentangle the undertaking of both examining and directing Islamic banking. The discoveries of this investigation reflect a previous paper by Movassaghi and Zamans (2002). In it, they endeavor to reconsider the idea of riba considering Islamic law. In that paper they contrast Islamic financial practices and regular financial practices so as to feature that neither every traditional practice are usurious, nor are present day Islamic financial practices essentially not quite the same as those of ordinary banks. They likewise declare that numerous contrasts between the benefit/misfortune sharing worldview of Islamic banking and ordinary premium based just shallow. Notwithstanding inquiries of training, Chong and Lius concentrate additionally posed the inquiry of whether the development of Islamic banking in the course of recent years was because of the similar points of interest of the Islamic financial worldview, or to the Islamic resurgence that started during the 1960s. In light of their discoveries, the creators are slanted to receive the last view. This view is likewise perfect with the discoveries of an investigation refered to by Isnaji (2003), done by the Meezan Bank of Pakistan which recognized a few key achievement factors in the experience of Islamic banks in different nations: (1) in number strict cognizance among the Muslim populace, (2) support from the administration as budgetary framework and positive guidelines, (3) advancement, (4) [increases] in singular riches, and (5) a wide assortment of money related items and administrations. Open Enterprises/Public Enterprise Reform Basu (2005) gives a review of the foundation and idea of open undertaking, featuring the specific experience of India in this issue. recognizing it from the more extensive term open division by receiving the definition embraced by the International Center of Public Enter

How to Sleep Well Essay Example for Free

Step by step instructions to Sleep Well Essay So as to rest soundly we ought to follow three reasons. As a matter of first importance, don’t eat or drink a great deal before sleep time. On the off chance that you drink a lot of fluid before dozing, youll wake up over and over in the night for excursions to the restroom or cause you to wake up more than once. Don’t eat zesty or greasy nourishments since they cause indigestion particularly, don’t eat something that triggers serotonin, which makes you tired. Second, do and dont practice when you have spare time. For instance, on the off chance that you have an inactive occupation, an absence of physical effort might be diminishing the nature of your rest. A day of physical effort, (for example, taking a run or a dip) or, even better, ordinary exercise can make for more profound and increasingly peaceful rest. The best time to practice is toward the evening. Third, Change your dozing position. You may imagine that its difficult to control what position you stay in bed since you arent completely mindful of what you are doing, yet it can have an impressive effect. At the point when you rest, or in the event that you wake up in the center of the night, put forth a cognizant attempt to follow these rules until it gets constant. Keep your body in a mid-line position, where both your head and neck are kept generally straight. Dont utilize a level cushion that makes your head tilt down toward the sleeping pad. Its hard to keep up the mid-line position, and it is bound to cause torments. This will help lighten weight on your back and neck by marginally propping up your body on one side. To summarize, attempt a couple or a blend until you have enough quality rest to feel alarm and very much refreshed.

How to Write a Cinderella Writing Paper

How to Write a Cinderella Writing PaperA Cinderella writing paper is ideal for students looking to take their English writing to a new level. This worksheet offers simple, effective and repetitive exercises that enable students to write from a critical, analytical perspective.In this writing exercise, students are asked to identify the different elements that make up the Cinderella story. They will be required to draw an outline of the story, including the use of props, and provide their own thoughts on the pieces of information they have gained so far. At the end of this Cinderella writing paper, students will be asked to create a summary of the information they have obtained.Students should ask themselves, what makes up the Cinderella story. They should answer each question as best they can, but the easiest way to get to grips with a given question is to consider a variety of possible answers and then write them down using different techniques.The most important thing to remember w hen doing this exercise is to keep your eye on the end result. The more you practice this exercise, the better you will become at it. It is worth asking other students how they did on a given question. Even if you know you have done well, it is still great fun to read out the answers to friends and peers.Writing can be a great challenge but, in terms of completing this writing assignment, it is an extremely important consideration. Although you will get into more detail when you are writing, there is no substitute for simply writing it out. This is very much like going through a book you have been meaning to read - you just have to sit down and start reading.Having a good quality paper or notebook will help you achieve this. The more detail you can find in a piece of writing material, the better you will be able to write.When you begin writing, make sure you set yourself the goal of writing to a standard you can hold yourself to. At this stage you should be confident that you have t he capacity to write a good piece of writing, even if you have not yet mastered the skill.Remember that you cannot succeed in writing unless you commit yourself to this task on a daily basis. You need to think of it as a real job. And with practice, you will be able to write an outstanding Cinderella writing paper.

Struggles for Release - 2198 Words

The two American short stories, â€Å"The Story of an Hour† by Kate Chopin and â€Å"Young Goodman Brown† by Nathaniel Hawthorne both portrays a similar theme. The two protagonists in both short stories suffer mental or emotional torture and was trap in a literary cage. In addition, both characters in the stories meet death in the end, and that death symbolizes their freedom from the world and society that was grasping on to them. A main topic of American short stories that constantly shows up since the earlier years, and is presented throughout history is the emphasis on society and how it creates emotional and mental tortures in an individual, and imparts them with a different perspective of the world. The society that people live in has an†¦show more content†¦During Chopin’s childhood, she experienced the years of the Civil War in St. Louis, and during that time, many â€Å"federal soldiers invaded the privacy of homes and carried off neighbors for incarceration† (Bonner 111). Therefore, Bonner insist that, â€Å"With the war as context, it is easy to see how Chopin the writer could see the violation of home and community as parallels for the violation and restriction of the self in the institution of marriage† (111). Through the writings of Kate Chopin, such as in â€Å"The Story of an Hour,† the readers, especially in modern times learn of the height that the women’s right movement has reached since the 19th century. In addition, modern readers also obtain the knowledge and understand the perspective that women in the 19th century have and what freedom meant for them. As people compare and contrast the differences of the rights women had in the 19th century to the present 21st century, there has definitely been a massive change. Women certainly lost much more freedom in the past rather than today, when they start a marriage and marriage was conceived in a different manner in the past. Though America has gotten very far into the movement of women’s rights and there have been many changes towards freedom that an individual has, these cages that Kate Chopin’s â€Å"The Story of an Hour† present still somewhat exists in the modern society. Though individuals haveShow MoreRelatedBlue-Collar African American Life in Killer of Sheep by Charles Burnett944 Words   |  4 Pagesdollars (Burnett, Milestone Films). Everything was shot hands-on with life in Watts. This helped to contribute the neo-realism style of the film. The film mostly deals with the life of Stan (Henry G. Sanders), a kind-hearted slaughterhouse worker who struggles to get anywhere in life. The film follows Stan as he goes through day-to-day life. There is no connection major story arch to scenes in the film. It is events as Stan tries to get ahead in life, but he never seems to get anywhere. 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President John F. Kennedy - 1206 Words

The date was May 25, 1961 and President John F. Kennedy had gathered together both the United States Senate and the House of Representatives in a special joint session of Congress. His goal was to passionately deliver a dramatic speech stating that by the end of the decade, we will send an American to the moon. Then on September 12, 1961 standing on the grounds of Rice University in Texas, he famously lifted his voice and said: We choose to go to the moon. We choose to go to the moon in this decade and do the other things, not because they are easy, but because they are hard, because that goal will serve to organize and measure the best of our energies and skills, because that challenge is one that we are willing to accept, one we are†¦show more content†¦Specifically, this paper will address the following topics: the definition of a group, the roles played within the group, a description of the group member personalities, the intended focus of the group, how the group worked together as a team and the process that was involved, how conflict was resolved, and how the group emerged as a group at the end of the situation. Definition of the Group Within this conflict, the two groups that define the direction of the conflict are: the twelve spies and the angry group of followers. Examining the group of twelve spies which was established by God via Moses, their charge was to investigate the land of Canaan that God was preparing to give to the children of Israel. Specifically, Moses directed the spies to see what the land was like, to see if the people were weak or strong, to identify the population size, to identify the quality of the land, and to describe the state of the cities. Moses further encouraged his leadership team stating â€Å"be of good courage† and bring back a sample of your work, i.e. â€Å"bring some of the fruit of the land† as cited in Numbers chapter 13. Acknowledging the spies charge and dependence upon one another, this group is â€Å"a collection of individuals who are interdependent† given their instructions to collectively investigate the land of Canaan (Johnson and Johnson, 2013 , p. 6). Even more, Moses defined clear goals and expectations for the group of spies. As reflected by

Introduction. Equiano Olaudah A Slave From Eboe Who Became

Introduction Equiano Olaudah a slave from Eboe who became an important figure in the history of slavery, was kidnapped at the age of 11/12 years of age along with his sister from their hometown in the village of Essaka (Benin), a state which is now located in the southern region of Nigeria, West Africa. Born in 1745, in an isolated, but a rich kingdom called Eboe, Olaudah Equiano, commonly known as Gustavus Vassa was born. The youngest boy of seven children, he was a favorite of his mother. His narrative has not only played an important role in the history of slavery, but has also made evident some of the harsh treatment that slaves had faced. He had not only spent more time with his mother, but she also decorated him with insignias worn†¦show more content†¦He was later sold to Robert King, a merchant and Quaker from Philadelphia, who not only taught him many things, but also give him plenty of free time he could to find work at other businesses, earning himself extra cash. By July 10, 1766, Equiano was able to buy his freedom, and establish his own corporation. Equiano did things like, â€Å"Working on commercial vessels and occasional scientific expeditions to Central America and the Arctic regions† (Equiano, 2009). Nevertheless, by 1767 Equiano relocated to England were he started a different profession employed as a hair stylist for affluent Londoners. Later in 1792, he met and married Susanna Cullen, an Englishwoman, and together they had two girls. He died on the 31st day of March in 1797 at the aged of (51–52). What do we learn about the Atlantic slave trade through Equiano’s narrative? Looking at the narrative of Equiano and the many details it portrays, we have learned a lot about the Atlantic slave trade and its effect on Africa, its people and the world. According to the narrative, slaves were not only taken against their will, but were separated from their families, loved ones and friends. They were mistreated, beaten, burned, torture, and punish for trying to escape or being disobedient by their masters. In some cases, the torture and punishments were so severe, that they wouldShow MoreRelatedThe Labor Of Slave Women From The Perspective Of Women1328 Words   |  6 PagesAfrican American women. Even though forced labor was the essence of slavery, few have studied the labor of slave women from the perspective of women themselves. The author clarifies and analyzes the meanings that the women bestowed on their labors-meanings that constitute a rich resource of moral value for all who read this book. According to Joan Martin, â€Å"moral agency† for slaves meant autonomy from their masters, but obedience to God. â€Å"Martin moves beyond issues of sorrow and oppression to shed newRead MoreOlaudah Equiano s Influence On African Diaspora History1941 Words   |  8 Pages In 1745, Olaudah Equiano was born in Eboe, which is now Nigeria. When he was about eleven years old, he was kidnapped and sold to slave traders heading to the West Indies. Though he spent a short time in the state of Virginia, much of his time in slavery was spent serving the captains of slave ships and British navy vessels. One of his masters, Henry Pascal, the captain of a British trading vessel, gave him the name Gustavas Vassa, which he hardly used throughout his life. Paul Lovejoy, Canada

Health Standards National Safety and Quality Health Service

Question: Discuss about theHealth Standardsfor National Safety and Quality Health Service. Answer: Introduction: There are ten National Safety and Quality Health Service (NSQHS) Standards which have been developed by the Australian Commission on Safety and Quality in Health Care (ACSQHC). These are done after properly consulting and also collaborating with technical experts, jurisdictions and different stakeholders as well as patients and healthcare practitioners. They mainly aimed to develop the quality of health service provision to patients and to protect them from different harms and hazards (Kenny et al., 2013). The case study that is provided is based on a 61 year old patient who has undergone a lap cholecystectomy having history of type II diabetes, osteoarthritis and also toes amputation. This patient had been advised with the requirements of the administration of IVABs via a PICC line. Proper monitoring of the wound are also required along with proper measurement of vitals sign assessment and also general educations for the patient. The essay will mainly portray two of the ten standards that were recommended by the above mentioned council that will help the nurse to properly conduct her treatment without resulting in adverse consequences. Body: In case of the patient mentioned, the preliminary healthcare standards that need to be followed is the standard 3 that mainly ponders over the prevention as well as the control of healthcare associated infections. This guideline provides a overview about how antibiotic resistant organism like methicillin-resistant Staphylococcus aureus (MRSA) and vancomycin-resistant enterococci (VRE) and others are gradually becoming more powerful making wound healing more prone to infection. Hence, the standard states that how such organisms are affecting the life of patients in hospitals because the patients are usually treated in close proximity which increases the chance of infection (James et al., 2015). This creates a pressure on workforce due to longer stay of patients and also on resource wastage. If the patient is treated in homes, with proper education to family and relatives, the chance of infection will be far less as hospital acquired infection will be far less. Risk management approach at homes is totally different form hospitals and the policies that need to be followed in hospitals will not be applied in home treatment. Surveillance system will not have to be much rigid as risk of infection gets decreased. A negative aspect is that proper auditing of the performance of the nurses at home may not be properly audited by the organization and therefore compliance rates may not get monitored resulting in loss of quality treatment. Proper action may not be applied against the nurse in this scenario as well which would not have been the case if she was in hospital. Proper education and competency based training may not also be given to the nurse in order to develop her knowledge of invasive devices. The nurse should have to suit up with the patients home environment for disinfections and sterilizations, waste management, laundry and linen transportation, cleaning and also storage technique so that she can provide better care to patient. This may require some time for adapting to the new place which would not have been the case if she was treated in hospital (Hinchcliffe et al., 2014). Another standard that needs to be applied is the standard one which helps to ensure that whether safety and quality in healthcare service organizations are maintained or not (safetyandquality.gov.au, 2017). This standard is mainly proposed based on organizations and its monitoring as it suggests the organization to develop a management system for proper development, implementation and regular review of the policies but this cannot take place in a systematic way in homes. Here the entire responsibility depends on the nurse and therefore depends upon the critical thinking ability of the nurse to manage the safety and quality issues by completely taking into consideration her responsibility (Allen et al., 2014). Herein also the organization will not be able to assess the performance of the nurse and therefore the nurse either have to be very much expertise in her skill and need to have all the knowledge of the standards provide by the council. The steps needed to be taken by the nurse t o practice effectively do not vary with skills as the skills that need to be applied are same in both areas (Hungerford, 2014). Only the proper management, recording of data, incident analysis, feedback provision and others differ in the mode of conductance and varies greatly when conducted in homes in comparison to hospitals. Conclusion: Thereby, from the above essay it is found that two important standard of infection control and practice of safe and quality maintenance can be applied in the home environment. However proper monitoring authority and management system usually remains absent in homes unlike hospitals which thereby increases the risks of treatments done by the nurses as there is no guidance system. It also takes a lot of time for the nurses to adapt to the setting of the home which becomes not an issue in hospitals where she works. Moreover, education needs to be given to family in details as they are the immediate member throughout the day for clean and safety considerations. Reference: Allen, J., Hutchinson, A. M., Brown, R., Livingston, P. M. (2014). Quality care outcomes following transitional care interventions for older people from hospital to home: a systematic review.BMC health services research,14(1), 346. Hinchcliff, R., Greenfield, D., Braithwaite, J. (2014). Is it worth engaging in multi-stakeholder health services research collaborations? Reflections on key benefits, challenges and enabling mechanisms.International journal for quality in health care,26(2), 124-128. Hungerford, C. (2014). Recovery as a model of care? Insights from an Australian case study.Issues in Mental Health Nursing,35(3), 156-164. James, R., Upjohn, L., Cotta, M., Luu, S., Marshall, C., Buising, K., Thursky, K. (2015). Measuring antimicrobial prescribing quality in Australian hospitals: development and evaluation of a national antimicrobial prescribing survey tool.Journal of Antimicrobial Chemotherapy,70(6), 1912-1918. Kenny, A., Hyett, N., Sawtell, J., Dickson-Swift, V., Farmer, J., OMeara, P. (2013). Community participation in rural health: a scoping review.BMC Health Services Research,13(1), 64. safetyandquality.gov.au. (2017). National Safety and Quality Health Service Standards. [online] Available at: https://www.safetyandquality.gov.au/wp-content/uploads/2011/09/NSQHS-Standards-Sept-2012.pdf [Accessed 25 Feb. 2017].