scholarly journals Finance as Worship or A Commercial Funding: Empirical Evidence from Islamic Banking Industry of Pakistan

2020 ◽  
Vol 5 (2) ◽  
pp. 61-76
Author(s):  
Imam Uddin ◽  
◽  
Masood Hassan ◽  
Muhammad AsadUllah ◽  
◽  
...  

Finance as Worship or A Commercial Funding: Empirical Evidence from Islamic Banking Industry of Pakistan The present study aims to determine the perception of general public well versed with the conventional education regarding the contemporary Islamic banking & finance as to whether they consider Islamic banking finance as worship or a commercial funding. A total of 644 questionnaires were distributed to collect the data. Independent sample t-test through SPSS was used to estimate the results. The findings revealed that the mean values of independent sample t-test of the Islamic bankers, conventional bankers, teaching faculty and non-finance industry professionals are 6.07, 4.91, 4.86 and 5.07 respectively. As the mean values of conventional bankers, teaching faculty and non-finance industry professionals are less than that of benchmark level of 6.0. Therefore, the study recommends authorities to formulate policies and initiate Islamic banking awareness programs both at the micro & macro levels. Keywords: Finance, Worship, Commercial Funding, Islamic Finance.

2021 ◽  
Vol 80 (Suppl 1) ◽  
pp. 1078.1-1079
Author(s):  
I. Yoshii

Background:Patient’s global assessment (PGA) is one important component of Boolean composite criteria for remission in treat with rheumatoid arthritis (RA). However, PGA no more than 10mm is sometimes obstacle to attain clinical remission. In recent few years, one opinion that PGA no more than 20mm may be comparable as no more than 10mm.Objectives:The aim of this study is to analyze how difference of these PGA level affect disease activity and daily activities in living, and evaluate which is optimal for the remission with Boolean remission criteria from real world setting.Methods:RA patients who were followed up for more than three years in the institute were picked up in the study. Each patient was monitored with tenderness joint count (TJC), swollen joint count (SJC), PGA, evaluator’s global assessment (EGA), serum C-reactive protein level (CRP), calculated disease activity score with simplified disease activity index(SDAI), Health Assessment Questionnaire Disability Index (HAQ-DI), and pain score using visual analog scale (PS-VAS) every consulted time from the first encounter (Baseline). Patients were classified according to achievement of Boolean remission criteria. Group 1: a patient group who attained Boolean remission wih TJC≦1, SJC≦1, CRP≦1mg/dl, and PGA≦1 (G-1), Group 2: a patient group who could not attained the Boolean remission used in the G-1 evaluation, but could attained another Boolean remission with TJC≦1, SJC≦1, CRP≦1mg/dl, and PGA≦2 (G-2), and Group 3: a patient group who could not attain Boolean remission for neither criterion.Mean values of measured parameters at Baseline and after the Baseline were compared statistically with Student T-test. Mean values of the same parameters in the G-1 and G-2 at the time of attain Boolean remission for each criteria, mean values of each of these parameters thereafter, and changes of these parameters were compared statistically with Student T-test.Results:A total of 438 patients 385 in the G-1 group, 16 in the G-2 group, and 37 in the G-3 group, were recruited. In parameters at Baseline, level of TJC, SJC, PGA, EGA, SDAI, and HAQ-DI in the G-1 was significantly lower than in the G-3, whereas no significant differences in any parameters demonstrated between in the G-2 and G-3. Level of HAQ-DI, and PS-VAS after Baseline in the G-1 was lower than in the G-3, whereas no significant difference of these parameters after Baseline demonstrated between in the G-2 and G-3. TJC, SJC, PGA, and EGA demonstrated significant less level in the G-1 than in the other two groups. The mean SDAI score at the time of first achievement of Boolean remission in the G-1 and G-2 were 1.08 and 2.57, respectively. The mean value of SDAI score after remission in the G-1 and G-2 were 3.35 and 6.44, respectively. These values and PS-VAS including change of the SDAI score demonstrated significant difference between the two groups (p<0.01), whereas HAQ-DI in the two groups demonstrated no significant difference.Conclusion:These results suggested that setting PGA as no more than 10mm should be reasonable for the evaluation of clinical remission with the Boolean criteria.Disclosure of Interests:None declared


2021 ◽  
Vol 9 (2) ◽  
pp. 3780-3784
Author(s):  
P.Vani ◽  
◽  
Sharan B Singh M ◽  

Introduction: Cigarette smoking is a prime risk factor for cardiovascular morbidity and mortality. Chronic smoking results in autonomic dysfunction leading to increased cardiovascular risk in smokers. The present study was planned to study the effect of smoking on the Cardiovascular Autonomic Functions among smokers. Materials and Methods: Fifty male subjects who were in the age group of 25 to 45 years. They were grouped into 25 smokers and 25 non-smokers. The participant subjects were selected among the staff members, residents and the patients from the routine OPD in SVIMS. Prior to study, they were informed about the procedure and the purpose of the study tests and written consents were obtained from them. The Cardiovascular Autonomic Function Tests were assessed by using a POLYGRAPH which was available in the department. Results and Conclusion: After applying the ‘t’-test for the difference between the two sample means, it was observed that there was a highly significant difference between the mean values of the BMI(i.e.p<0.01) and the para-sympathetic function tests among the smokers and the non – smokers(i.e.p<0.00). The Resting Heart Rate had significantly increased and the Deep breathing difference, the postural tachycardial index (Response to standing) and the Valsalva Ratio had significantly decreased in the smokers as compared to those in the non – smokers. After applying the ‘t’-test for the difference between the two sample means, it was observed that there was no significant difference between the mean values of the Postural hypotension test (i.e. p>0.05) and that there was a highly significant difference between the mean values of the Sustained handgrip test in the smokers and the non – smokers (i.e. p<0.00). KEY WORDS: Cardiovascular autonomic function tests, Smoking, Resting heart rate.


2019 ◽  
Vol IV (III) ◽  
pp. 421-432
Author(s):  
Faiza Abbas ◽  
Faisal Anis ◽  
Mohammad Ayaz

This study investigated the employers' perspectives on the decent employment barriers faced by persons with hearing impairment in the job market. A survey questionnaire was developed based on literature review and the ILO model, which was validated by experts of the field and then pilot tested to determine its reliability. Data were collected from 81 employers using the snowball sampling technique. Average mean values of data related to employment barriers were calculated to rank order these to prioritize the barriers that need to be addressed most urgently. Ranking revealed that education and training, unavailability of technical support, financial support, poor implementation of quota system represent the sequence of the urgency of the barriers. Further, a onesample t-test was used to compare the mean of employment barriers with a 75% preset criterion value. The findings of the t-test showed that the mean value of all the barriers was significantly less than 75%. The study recommended that there is a great need to propose a policy that clearly focuses on decent employment for the PWHI.


Author(s):  
Fernando Igai ◽  
Washington Steagall Junior ◽  
Pedro Tortamano Neto

Objectives: To compare the accuracy of two methods for the manufacturing of physical models: I) intraoral scanning and resin-printed models; and II) addition silicone impression and gypsum model. Materials and methods: A dental manikin was used as the master model and compared with five gypsum models (g1) and five resin printed models (g2) by analyzing linear measurements at four sites (M1, M2, M3, and M4) using an image measuring instrument. The mean values of the experimental models were compared to those of the master model using one-sample t-test. The samples of each group at the same site were compared with an independent t-test. For all tests, a significance level of 5% (0.05) was considered. Results: The confidence intervals from M1, M2, and M4 sites for both gypsum and resin models presented statistically lower linear distance when compared to the reference values. At m3, the mean value for the gypsum models was not statistically different from the reference mean value (p > 0.05); however, resin-printed models presented a statistically different mean value (p < 0.05), as well as lower values of linear distance. Conclusions: When compared to gypsum models, resin- printed models differed greatly from the master model, indicating the need for standardizing the printing protocol, for its variables may influence printed models accuracy.


2021 ◽  
Vol 7 (3) ◽  
pp. 223-228
Author(s):  
Sanda Aamani ◽  
Hemanth M ◽  
Sharmada B K ◽  
Karthik J Kabbur ◽  
Goutham Kalladka

There is a lack of accurate three-dimensional studies to locate malar prominence for specified population, this study aims to locate the malar prominence using stable landmarks using CBCT. To derive a novel method to accurately locate the malar prominence and to assess and compare the malar prominence between males and females among Bangalore population using 3D CBCT study. All CBCT scans of study subjects belong to Bangalore population were collected from the pre-existing data available in Radiology imaging Solutions (CBCT centre), Bangalore during the period of September 10th to October 10th 2020. This is a descriptive study. A total of 42 subjects including 21 Males and 21 females were assessed using full skull CBCT scans which were converted to DICOM format and reconstructed into 3D images using NEMOCEPH 3D software. Landmarks used to locate the malar prominence were Fzs, Z, Zm and Ans. The intersection of these landmarks is considered to be as constructed maxillozygion(My). For the accuracy of the constructed Maxillozygion point (My), the distance between the actual Maxillozygion (Mzy) and constructed Maxillozygion (My) is measured and calculated between left and right halves of males and females. Three Orthogonal planes constructed were Midsagittal, Axial and Coronal Planes and the linear measurements with reference to all three reference planes in both the groups are measured. Student paired t- Test, Independent Student t Test, Mann Whitney Test. The mean distance from Mzy and my between right and left half of the face was compared using student paired t- Test. There is no significant difference (p=0.35).The mean values of the constructed anatomical landmark (maxillozygion) coordinated to three orthogonal planes between right and left sides of the face is compared using student paired T test and for both the genders (males and females) was compared using Independent Student t Test, and it is significantly higher in males as compared to females and it is statistically significant at (p=0.01). The location of malar prominence using CBCT by a novel method for Bangalore population is found which can be helpful in diagnosis and treatment planning for malar augmentation, camouflage treatment in subjects with midface deficiencies.


2014 ◽  
Vol 62 (1) ◽  
pp. 59-64 ◽  
Author(s):  
Letícia Bello Flores LUNKES ◽  
Lina Naomi HASHIZUME

OBJECTIVE: Tea has been considered a healthy alternative to other industrialized beverages. The objective of this study was to assess the erosive potential of teas commercially available in Brazil by pH and titratable acidity measures. METHODS: Eighteen teas available in Brazilian market were selected for this study (read to drink and brewed tea), and a brand of yerba mate (Ilex paraguariensis). Each product was analyzed for pH and titratable acidity. For comparison between different kinds of teas, the Student t test was used. RESULTS: The mean pH values for ready to drink teas ranged between 2.89 and 4.03, while for the brewed teas and yerba mate the values ranged between 6.75 and 7.89. The difference between the two groups was significant (p < 0.05). Regarding titratable acidity, the ready to drink teas showed mean values ranging between 3.77 ml and 12.68 ml. Brewed teas (including yerba mate) were not tested for titratable acidity because their pH values were greater than 7.0. CONCLUSION: Among the teas commercially available, ready to drink teas have lower pH values and higher titratable acidity compared to other teas. It suggests that they have an erosive potential.


2009 ◽  
Vol 4 (6) ◽  
pp. 564-570 ◽  
Author(s):  
Benjamin Warf ◽  
Solomon Ondoma ◽  
Abhaya Kulkarni ◽  
Ruth Donnelly ◽  
Miriam Ampeire ◽  
...  

Object Despite lower failure and infection rates compared with shunt placement, it has not been known whether endoscopic third ventriculostomy/choroid plexus cauterization (ETV/CPC) might be inferior in regard to neurocognitive development. This study is the first to describe neurocognitive outcome and ventricle volume in infants with hydrocephalus due to myelomeningocele that was treated primarily by ETV/CPC. Methods The modified Bayley Scales of Infant Development (BSID-III) test was administered to 93 children with spina bifida who were 5–52 months of age. Fifty-five of these children had been treated by ETV/CPC, 19 received ventriculoperitoneal (VP) shunts, and 19 had required no treatment for hydrocephalus. Raw scores were converted to scaled scores for comparison with age-corrected norms. Ventricular volume was assessed by frontal/occipital horn ratio (FOR) calculated from late postoperative CT scans. The mean values between and among groups of patients were compared using independent samples t-test and ANOVA. The comparison of mean values to population normal means was performed using the single-sample t-test. Linear regression analyses were performed using BSID scores as the dependent variables, with treatment group and ventricular size (FOR) as the independent variables. Probability values < 0.05 were considered significant. Results . There was no significant difference in mean age at assessment among groups (p = 0.8). The mean scale scores for untreated patients were no different from normal (all p > 0.27) in all portions of the BSID (excluding gross motor), and were generally significantly better than those for both VP shunt–treated and ETV/CPC groups. The ETV/ CPC-treated patients had nonsignificantly better mean scores than patients treated with VP shunts in all portions of the BSID (all p > 0.06), except receptive communication, which was significantly better for the ETV/CPC group (p = 0.02). The mean FOR was similar among groups, with no significant difference between the untreated group and either the VP shunt or ETV/CPC groups. The FOR did not correlate with performance. Conclusions The ETV/CPC and VP shunt groups had similar neurocognitive outcomes. Neurocognitive outcomes for infants not requiring treatment for hydrocephalus were normal and significantly better than in those requiring treatment. The mean ventricular volume was similar among all 3 groups, and significantly larger than normal. There was no association between FOR and performance. Stable mild-to-moderate ventriculomegaly alone should not trigger intervention in asymptomatic infants with spina bifida.


2021 ◽  
Vol 8 (1) ◽  
pp. 49-60
Author(s):  
I Nyoman Artayasa

Lampit is one of the traditional means of cultivating rice fields, which functions to level the land for planting rice. The operation of lampit can increase the work pulse up to 50% above the resting pulse and is included in the category of moderate to heavy workloads. At the end of the operation of lampit, it may cause complaints, especially on the buttocks and back, which is caused by the small and hardness of the lampit rod. There was an improvement to the lampit seating design by adding foam pads and adjusting the pressure lever found on the lampit stem to overcome this problem. This research is an experimental study using the same subject design, selected 30 research subjects from farmers in Dusun Semaja Antosari Tabanan Bali. The workload is evaluated based on the work pulse measured using the ten pulses method. In addition, the pulse was measured before and after the improvement of the lampit design. The data compared were the mean values before and after improvement, which were analyzed using paired t test (α = 0.05). The result is a significant decrease in the work rate of 19.35% (p <0.05). Thus, it can be concluded that the improved design of the lampit can reduce the workload. Therefore, farmers should continue using and perfecting the improved lampit.


Nativa ◽  
2020 ◽  
Vol 8 (5) ◽  
pp. 663-670
Author(s):  
Rafaella De Angeli Curto ◽  
Arthur Faganello Teodoro Dos Anjos ◽  
Emanuel José Gomes De Araújo ◽  
Charlote Wink ◽  
Sintia Valerio Kohler

Objetivou-se avaliar o efeito da distância na exatidão do dendrômetro digital Criterion RD 1000®, na estimativa do diâmetro e volume de Qualea sp. no bioma Amazônia. Foram selecionadas 30 árvores e cubadas pelo método de Smalian até a altura comercial com escalada e com Criterion RD 1000®, nas distâncias entre observador e a árvore de 11 m, 13 m, 15 m e à maior distância que o observador conseguiu instalar o equipamento em relação a árvore. Para avaliar o diâmetro ao longo do fuste, o volume comercial e por segmento, realizou-se o teste t pareado, com 95% de probabilidade, a análise de resíduos e as estatísticas complementares. Não houve diferença significativa entre os valores médios das variáveis analisadas, obtidos com a escalada e os estimados pelo Criterion. Houve menor amplitude dos resíduos nas seções inferiores do fuste com tendência em subestimar os menores diâmetros. As estatísticas complementares demonstraram maiores erros quando o equipamento estava mais próximo da árvore e menores quando estava a 15 m, correspondendo a uma distância superior à média da altura comercial das árvores. O equipamento permitiu estimar com exatidão diâmetros e volumes de árvores em pé, viabilizando a cubagem não destrutiva de Qualea sp. no bioma Amazônia.  Palavras-chave: mensuração; volumetria; Criterion RD 1000®.   INFLUENCE OF DISTANCE ON THE ACCURACY OF THE NON-DESTRUCTIVE OF Qualea sp. IN THE AMAZON BIOME   ABSTRACT: The objective was to evaluate the effect of distance on the accuracy of the digital dendrometer Criterion RD 1000®, on the estimate of the diameter and volume of Qualea sp. in the Amazon biome. Thirty trees were selected and scaled by the Smalian method to commercial height with climbing and with a Criterion RD 1000®, in the distances between the observer and the 11 m, 13 m, 15 m and the longest distance that the observer managed to install the equipment in relation to the tree. To analyze diameter along the stem, commercial volume and volume per segment, the t test for dependent samples was performed, with a 95% probability, as well as residual analysis and complementary statistics. There was no significant difference between the mean values ​​of the variables analyzed, obtained with the climb and estimated with a Criterion. There was a smaller amplitude of residues in the lower sections of the stem with tendency to underestimate smaller diameters. The complementary statistics showed greater errors with the equipment closest to the tree and smaller when it was 15 m away, corresponding to a distance greater than the average commercial height of the trees. The equipment made it possible to accurately estimate the diameters and volumes of standing trees, enabling the non-destructive scaling of Qualea sp. in the Amazon biome forest. Keywords: measurement; volumetry; Criterion RD 1000®.


Author(s):  
Priyadarsini S. ◽  
Gigi A.

Background: Gestational trophoblastic disease encompass a spectrum of neoplastic disorders that arise from placental trophoblastic tissue after abnormal fertilisation. Most molar pregnancies spontaneously resolve after uterine evacuation with no further sequelae. However, at any time during or after gestation malignant transformation may occur in approximately 10% to 20% of molar pregnancies. Quantification of βHCG is considered as the ideal method of post molar surveillance. The regression of the disease could be reliably assessed by observing the changes in low resistance flow which paralleled the gradual decrements in serial βHCG levels. To correlate uterine artery blood flow characteristics to serum βHCG levels in the follow up of patients with gestational trophoblastic disease after molar evacuation.Methods: 50 patients with gestational trophoblastic disease after evacuation were followed up by serum βHCG titres and Doppler ultrasonography of uterine arteries. The relationship between the Doppler indices and the serum βHCG titres were evaluated by paired –t test and Pearsons correlation analysis.Results: Significant negative correlations were observed between Systolic/Diastolic (S/D) ratios, Resistance Indices(RI) and Pulsatility indices (PI) and the absolute values of serum βHCG levels, with correlation coefficients of -0.5, -0.46 and -0.40 (p<0.01). The mean values of βHCG showed a decreasing trend from 1st week to 4th week. The mean value of RI, PI and S/D Ratio showed an increasing trend from 1st week to 4th week. However, the difference in mean values of βHCG and Doppler indices at 1st week and 4th week were analysed by paired t test and found to be statistically insignificant(p>0.05) in patients with spontaneous remission.Conclusion: Uterine artery Doppler indices can be used as an adjunct to βHCG for the surveillance of patients with gestational trophoblastic disease after molar evacuation to predict remission of the disease.


Sign in / Sign up

Export Citation Format

Share Document