Challenges Faced By Islamic Banks In your references list, use a wide range of academic information sources such as books, journals, and reliable internet websites, newspapers structured with appropriate headings and titles, numbered and properly stapled.
Challenges Faced By Islamic Banks
With a table of content This paper undertakes a survey of the literature on Islamic banking and finance.
The aim is to provide an understanding of the literature, identify key issues and challenges, and explore potential directions for future research.
Our survey reveals that there is a need to; (a) focus on new areas of research including datasets, (b) establish the economic significance of the statistical results, (c) undertake research that explores new questions/hypotheses, and (d) establish the robustness of the findings.
Want help to write your Essay or Assignments? Click here
(c) Interest rates on each facility. In addition, you will need to include
(d) information on the equity securities, (e) additional debt borrowings and (f) the overall debt rating for the company as noted by Moody’s, S&P and/or Fitch in a written paragraph. You will need to use the Notes to the Financial Statements for your company in the latest 10-K in the short- or long-term borrowings or debt. Cite this section!
“Critically discuss Minsky’s Financial Instability Hypothesis“. (2,000 words of fiscal policy in Minsky’s analysis. The discussion of additional issues is welcome. 50/100
3. Conclusion Well-rounded discussion of the main conclusions arising from the analysis of the essay. 10/100
4. Overall structure and academic writing Uses appropriate format and presents items in a logical structure. Ensures correct spelling, grammar and punctuation. Uses the Harvard referencing system correctly. 20/100
Your assignment must follow these formatting requirements:
Be typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides; citations and references must follow APA or school-specific format. Check with your professor for any additional instructions.
Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page and the reference page are not included in the required assignment page length.
We can write this or a similar paper for you! Simply fill the order form!
1. At least 10 peer-reviewed articles are to be included in the literature review.
2. It should be organized by theme or subject of the article.
3. A minimum of one paragraph is required per article is required.
4. The review must be synthesized, and the articles analyzed for content as it
relates to the content of the case study above.
5. Free of grammatical errors.
6. No evidence of plagiarism.
7. Since this is Information Technology related the articles cannot be greater
than 5-years old unless it considered a seminal article.
8. The literature review must be run through the plagiarism detector and no
more than 25% of the articles should be used by another student. If there is a
greater than 25% match in the paper it will receive a point deduction of 50%.
If greater than 50% is a match the submission will receive a 0 without an
option for resubmission. If there is a match in articles the synthetization and
analyzation of the material MUST be original for content.
Lab – Cyberstalking or Cyberbullying and Laws to Protect
Individuals
Please ensure at least 2 real-world examples are discussed and integrated in
the literature review.
In this lab you will conduct a review of the literature on this topic and
complete a literature review on this topic. There are many sites that can
assist in the formatting and content of a literature review. Here is an example:
http://guides.lib.ua.edu/c.php?g=39963&p=253698
Some of the questions to consider are:
1. What is the business problem/issue formulated by the author?
2. Is it clearly defined?
3. Could the problem have been approached more effectively or from
another perspective?
4. Has the author also evaluated the literature relevant to this
problem/issue?
5. Does the author agree or disagree with the relevant literature?
6. How does the article contribute to your understanding of the problem or
topic?
Literature Review Expectations:
1. At least 10 peer-reviewed articles are to be included in the literature review.
2. It should be organized by theme or subject of the article.
3. A minimum of one paragraph is required per article is required.
4. The review must be synthesized, and the articles analyzed for content as it
relates to the content of the case study above.
5. Free of grammatical errors.
6. No evidence of plagiarism.
7. Since this is Information Technology related the articles cannot be greater
than 5-years old unless it considered a seminal article.
8. The literature review must be run through the plagiarism detector and no
more than 25% of the articles should be used by another student. If there is a
greater than 25% match in the paper it will receive a point deduction of 50%.
If greater than 50% is a match the submission will receive a 0 without an
option for resubmission. If there is a match in articles the synthetization and
analyzation of the material MUST be original for content.
Written Requirements
Be sure to use appropriate APA format and cite your Reading or other
sources that you used in your literature review.
The literature review should contain enough information to adequately answer
the business problem provided in the case study and contain no spelling,
grammar, or APA errors. Points deducted from grade for each writing,
spelling, or grammar error are at your instructor’s discretion.
Also review the university policy on plagiarism. If you have any
questions, please contact your professor.
Directions for Submitting Your Lab
Place your literature review in the drobox for the Unit 3 Lab.
Capstone Project Apple Inc and Social Responsibility Write the Ethics, Social Responsibility section of your project paper.
Capstone Project Apple Inc and Social Responsibility
This section should be a minimum of 1250-1500 words and include at least 5 APA formatted references one of which may be the company or SBA website depending on your type of project.
TOPICS TO INCLUDE:
COMPANY ANALYSIS Operations Management
Information Systems and Technology
Business Law,
Social Responsibility and Ethics issues. Apple corporate social responsibility (CSR) programs and initiatives are led by Lisa Jackson, Vice President of Environmental Initiatives, reporting directly to CEO Tim Cook. It has to be noted that “Steve Jobs wasn’t known for philanthropy.
Purpose: Researching Yields and profitability of banks prior to 2008 to Yields and profitability of banks after 2008.
Hypothesis is that Profitability before 2008 was higher than after 2008. Please use data on the asset/liability and market interest rate changes (since this is what our RP 1 was on).
Obtain historical data from the Bloomberg Terminal (or another approved website such as www.ffiec.gov, www.worldbank.org, www.imf.org, www.fdic.gov, or fred.stlouisfed.org) related to Research paper 1 topic (see attached). The analysis excluding tables or graphs, must be limited to 5 pages with the same formats as the first paper.
The spreadsheet containing the data must also be submitted with the paper (please give me the paper, as well as excel file with the data used).
See attached files. In paper structure, this is Project 2, and I have attached Research Project 1. Number of sources is not too important, just please have enough data to back your arguments and create those statistical models/variables.
I have attached two examples of other Research Paper 2 Topics. The paper should look similar to this, of course our topic is different than in the examples. Please include the data, graphs, and models in the end of the report.
We can write this or a similar paper for you! Simply fill the order form!
Case Study The West Bank Call Centre Produce a report which identifies and analyses the main Human Resource issues at the call centre.
Case Study The West Bank Call Centre
Case study:
WestBank plc is a banking and insurance group in the United Kingdom. It is a wholly owned subsidiary of the Premier Banking Group having been taken over in January 2009. The bank was established on 1 May 1870 by Sir Arthur Kettlewell of Pudsey. Based in Leeds, it was originally known as the West Riding Bank.
The corporate headquarters of the Premier Banking Group are in Birmingham, although Westbank retains its head office in Leeds, which employs 300 staff. Despite recent losses, Westbank Chief Executive Anne Jones is committed both to saving the Westbank brand within the massive Premier group and to retaining the Leeds based jobs.
Anne Jones?s vision for the bank returns it to the sector that established its formerly positive reputation in the UK market. During the 1970s and 1980s Westbank was a leading player in the student banking and finance sector.
Case Study The West Bank Call Centre Benefits
Many of the benefits students now expect such as interest free overdrafts and no account charges were pioneered by Westbank with their Leeds based student clientele. In order to make this vision a reality and return Westbank to profitability, the bank is developing a portfolio of student services and needs to attract and retain customers. With this objective in mind, Westbank have opened a call centre.
Ann Jones has successfully resisted pressure from the parent company Premier to locate this call centre in the Indian subcontinent and thus benefit from cheaper labour costs. The Westbank Call Centre is situated in the new company Head Office building on the outskirts of Leeds. It benefits from investment in the latest technology in order to provide fast and accurate services to clients, and also to monitor, record and measure staff performance. Eventually the centre must function as a 24 hour, seven day operation as it competes for customers and customer loyalty.
Case Study The West Bank Call Centre Human Resource Management
Research on human resource management in call centres has produced some controversial results. The monitoring and measurement of behaviour has prompted some commentators to describe call centres as modern day versions of 19th century sweatshops, with consequent problems of labour turnover and absenteeism. Others point to organisations that have developed sophisticated human resource practices which balance the competitive pressures and the needs of employees to achieve a high degree of commitment.
The new Westbank Head Office and Call Centre has been established on a ?greenfield? site on the edge of Wetherley, a village twelve miles from the centre of Leeds. Wetherley is an affluent area with low unemployment.
The primary objectives of the call centre are to improve the quality and consistency of services, give customers access to 24 hour banking and reduce overhead costs. The importance of service quality at Westbank is demonstrated by a series of tough service-level targets, including an abandoned call rate of 2% for routine calls and 1% for the key customer group, 90% of calls to be answered within 15 seconds and 90% of calls to be dealt with at the initial point of contact. Five hundred staff are based at the site, including 200 in the call centre. The majority of the staff on the site are full-time, with the biggest percentage of part-timers working in the call centre (35% of whom are part-time). Unite, the UK?s largest union is the recognised trade union in Westbank; membership for the bank as a whole is about 50%, but much less than this in the call centre. At the moment, there is no other formal channel for communication or consultation with staff.
The management team at the call centre is headed by the Centre Manager; it discusses local policy issues and comprises the various section heads. Staff work in teams. Each team comprises 15 people and is headed by a Team Leader. The Team Leader reports to a Customer Services Manager, who is responsible for motivating Team Leaders and teams and analysing data for individuals and teams to measure and further improve their performance. The Team Leaders are expected to develop their team members as quickly as possible, to coach, train them and keep them motivated, as well as bring some ?fun? into the working environment. The team members are known as Customer Service Operators (CSOs) and are supposed to be multi-skilled, although new recruits initially handle only the most basic type of call. Productivity and sales are measured daily on an individual and team basis. All CSOs have sales and service targets; calls are monitored closely and daily sheets are displayed, showing the performance of individuals and teams. Scripting, which works through the computer, helps the operators to adhere to the standards. In addition, 98% of a CSOs time has to be signed on to the phone.
Westbank have faced a number of problems/challenges from day one. These include considerable IT problems, an inexperienced management team (who were mostly from Westbank?s branch network, and lacked call centre experience) and centrally determined HR policies and procedures which are felt by the local management to be inappropriate for working in a call centre. Labour turnover is running at 35%, and although absence levels are not high by call centre standards, they were much higher than the average for Westbank employees as a whole. Case Study The West Bank Call Centre
Case Study The West Bank Call Centre and the Local Labour Market
Rates of pay are relatively low compared to the local labour market, though fringe benefits are good, but they reflect a remuneration structure based on the ?lifetime employment? of bank branch and head office staff. At the moment, there is no clear progression for staff at the call centre and it is felt that the immediate earnings are unlikely to attract and retain the calibre of staff needed for high quality customer service. There are currently few incentives for staff to achieve the level of service desired. In addition, the contractual working hours are considered inappropriate to meet the cover requirements. Staff are receiving a shift allowance despite the fact that the call centre is still not operating on a 24 hour basis.
To promote team building, team members are encouraged to mix socially outside work, although the extent to which this happens is variable. Overtime is high, which as one manager notes, is nonsense in a telephone environment where people have to be ?fresh and buzzy? Case Study The West Bank Call Centre
External recruitment is handled through two channels; the Westbank central HR function for permanent staff, while agencies are used on a pilot basis for temporary staff. However the focus in recruitment & selection has been on identifying good communicators with ?personality? or ?naturals?, but once employed & trained, they are ?re-programmed?
Case Study The West Bank Call Centre Training and Career Opportunities
Discuss why you selected this artist, what you found interesting or unusual about his/her work, what themes or topics the work addresses that seem Asian or Chinese, what general themes or topics the work/the artist addresses, your evaluation of the execution or presentation of the theme/topics by the artist. Write 2 – 3 pages on the artist and his/her art, especially the work in the collection.
Finally, write 1 – 2 pages about the East West bank collection of contemporary Chinese art in general — what you thought of it, how it was presented, why they created this collection.
Pasadena East West Bank collection and Xu Bing Guidelines
4 – 5 pages, double-spaced, typed, with at least three outside references not including WIKIPEDIA. Please try to include pictures of other artwork if discussed. Finally, write 1 – 2 pages about the East West bank collection of contemporary Chinese art in general — what you thought of it, how it was presented, why they created this collection. Discuss why you selected this artist, what you found interesting or unusual about his/her work, what themes or topics the work addresses that seem Asian or Chinese, what general themes or topics the work/the artist addresses, your evaluation of the execution or presentation of the theme/topics by the artist.
Pasadena East West Bank collection and Xu Bing Requirements
Write 2 – 3 pages on the artist and his/her art, especially the work in the collection.
Finally, write 1 – 2 pages about the East West bank collection of contemporary Chinese art in general — what you thought of it, how it was presented, why they created this collection. Finally, write 1 – 2 pages about the East West bank collection of contemporary Chinese art in general – Pasadena East West Bank collection and Xu Bing – what you thought of it, how it was presented, why they created this collection
Lending InstitutionsInterest Rates on Loans Lending institutions frequently cite an annual percentage rate or APR. This is based on an approximate formula for the interest rate, and it can be close to the correctly computed interest rate. Lending Institutions Interest Rates on Loans
Lending Institutions Interest Rates on Loans
For example, a lender might claim an APR of 12.41% per year, whereas an engineering economist might compute the interest rate to be 1% per month, so the effectively yearly rate is 12.68% (1.0112-1). The difference between the claimed rate of 12.41% and the computed rate of 12.68% is small in this case. However, major differences in claimed versus computed interest rates occur if lenders and borrowers use different sets of cash flows, as explained in the following section. Lending Institutions Interest Rates on Loans
Lending Institutions Interest Rates on Loans Lending institutions frequently cite an annual percentage rate or APR.
Lending Institutions Interest Rates on Loans Computation
This is based on an approximate formula for the interest rate, and it can be close to the correctly computed interest rate. For example, a lender might claim an APR of 12.41% per year, whereas an engineering economist might compute the interest rate to be 1% per month, so the effectively yearly rate is 12.68% (1.0112-1). Lending Institutions Interest Rates on Loans The difference between the claimed rate of 12.41% and the computed rate of 12.68% is small in this case. However, major differences in claimed versus computed interest rates occur if lenders and borrowers use different sets of cash flows, as explained in the following section. This is based on an approximate formula for the interest rate, and it can be close to the correctly computed interest rate. For example, a lender might claim an APR of 12.41% per year, whereas an engineering economist might compute the interest rate to be 1% per month, so the effectively yearly rate is 12.68% (1.0112-1). Lending Institutions Interest Rates on Loans
Creating a Process Description Aircraft Accident Report References and Description
Choose one of the following processes referenced in the report for which you will create a process description: Runway Snow Removal/Deicing Operation of the Thrust Reverser System Operation of the Autobraking System Operation of the OPC Calculation of Landing Distances
Continue reading the Aircraft Accident Report as needed to get more details surrounding the process you chose in No. 2 above. For example, if you chose “Operation of the Thrust Reverser System,” you will need to read 1.17.2.1 on pages 21 to 23 to learn more about SWA’s procedures regarding the use of this system. Creating a Process Description Aircraft Accident Report (Hint: Reference the Table of Contents to see where your chosen process is referenced in the report to read the relevant sections).
Creating a Process Description Aircraft Accident Report and Procedure Description Flowchart
Create the following elements of a process description for your chosen process
Purpose
Stakeholders
Responsibility
Procedure Description/Flowchart
Process Measures
Assessment
Details of how to create each of these elements can be found on pages 183 to 192 of Safety Management Systems in Aviation. If you need review on how to create these elements, a sample is also found in your text on pages 193 to 199. Creating a Process Description Aircraft Accident Report (I will attach all this pages) For example, if you chose “Operation of the Thrust Reverser System,” you will need to read 1.17.2.1 on pages 21 to 23 to learn more about SWA’s procedures regarding the use of this system. Creating a Process Description Aircraft Accident Report (Hint: Reference the Table of Contents to see where your chosen process is referenced in the report to read the relevant sections).
