Search results for: Muhammad Salam
Commenced in January 2007
Frequency: Monthly
Edition: International
Paper Count: 326

Search results for: Muhammad Salam

326 Modeling Salam Contract for Profit and Loss Sharing

Authors: Dchieche Amina, Aboulaich Rajae

Abstract:

Profit and loss sharing suggests an equitable sharing of risks and profits between the parts involved in a financial transaction. Salam is a contract in which advance payment is made for goods to be delivered at a future date. The purpose of this work is to price a new contract for profit and loss sharing based on Salam contract, using Khiyar Al Ghabn which is an agreement of choice in case of misrepresent facts.

Keywords: Islamic finance, Shariah compliance, profit and loss sharing, derivatives, risks, hedging, salam contract.

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325 Effect of Body Size and Condition Factor on Whole Body Composition of Hybrid (Catla catla ♂x Labeo rohita ♀) from Pakistan

Authors: Muhammad Naeem, Abdus Salam, Muhammad Asghar Bashir, Abir Ishtiaq, Qurat-ul-Ane Gillani and Asma Salam

Abstract:

In the present study, 49 Hybrid (Catla catla ♂ x Labeo rohita ♀) were sampled from Al-Raheem Fish Hatchery, Village Ali Pure Shamali, Jhang Road, 18 Km from Muzaffar Garh using a cast net and Live fishes were transported to research laboratory. Mean percentage for water found 79.13 %, ash 6.58 %, fat 2.22 % and protein content 12.06 % in whole wet body weight. It was observed that body constituents were found increasing in the same proportion with an increase in body weight while significant proportional increase was observed with total length. However, condition factor remained insignificant (P>0.05) with body constituents.

Keywords: Hybrid fish, Body composition, Condition factor, Predictive equations

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324 Studies on Seasonal Variations of Physico- Chemical Parameters of Fish Farm at Govt. Nursery Unit, Muzaffargarh, Punjab, Pakistan

Authors: Muhammad Naeem, Abdus Salam, Muhammad Ashraf, Muhammad Imran, Mehtab Ahmad, Muhammad Jamshed Khan, Muhammad Mazhar Ayaz, Muzaffar Ali, Arshad Ali, Memoona Qayyum Abir Ishtiaq

Abstract:

The present study was designed to demonstrate the seasonal variations in physico-chemical parameters of fish farm at Govt. Nursery Unit, Muzaffargarh, Department of Fisheries Govt. of Punjab, Pakistan for a period of eight months from January to August 2008. Water samples were collected on fifteen days basis and have been analyzed for estimation of Air temperature, Water temperature, Light penetration, pH, Total dissolved oxygen, Clouds, Carbonates, Bicarbonates, Total carbonates, Total dissolved solids, Chlorides, Calcium and Hardness. Seasonal fluctuations were observed in all the physico-chemical parameters of fish farm. The overall physicochemical parameters of fish pond water remained within the tolerable range throughout the study period.

Keywords: Freshwater, Fish farm, Water quality, Seasonal variation, Chemical factor

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323 A NXM Version of 5X5 Playfair Cipher for any Natural Language (Urdu as Special Case)

Authors: Muhammad Salam, Nasir Rashid, Shah Khalid, Muhammad Raees Khan

Abstract:

In this paper a modified version NXM of traditional 5X5 playfair cipher is introduced which enable the user to encrypt message of any Natural language by taking appropriate size of the matrix depending upon the size of the natural language. 5X5 matrix has the capability of storing only 26 characters of English language and unable to store characters of any language having more than 26 characters. To overcome this limitation NXM matrix is introduced which solve this limitation. In this paper a special case of Urdu language is discussed. Where # is used for completing odd pair and * is used for repeating letters.

Keywords: cryptography, decryption, encryption, playfair cipher, traditional cipher.

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322 Improving Production Traits for El-Salam and Mandarah Chicken Strains by Crossing II-Estimation of Crossbreeding Effects on Egg Production and Egg Quality Traits

Authors: Ayman E. Taha, Fawzy A. Abd El-Ghany

Abstract:

A crossbreeding experiment was carried out between two Egyptian strains of chickens namely Mandarah (MM) and El-Salam (SS). The two purebred strains and their reciprocal crosses (MS and SM) were used to estimate the effect of crossing on egg laying and egg quality parameters, direct additive and maternal additive effects as well as heterosis and direct heterosis percentages for studied traits. Results revealed that SM cross recorded the highest significant averages for most of egg production traits including body weight at sexual maturity (BW1), egg numbers at first 90 days, 42 weeks and 65 weeks of age (EN1, EN2 and EN3; respectively), egg weight at 90 days, 42 weeks of age (EW1 and EW2), egg mass at 90 days, 42 weeks and 65 weeks of age (EM1, EM2 and EM3; respectively), feed conversion ratio to egg production at 90 days , 42 weeks and 65 weeks of age (FCR1, FCR2 and FCR3; respectively), fertility and commercial hatchability percentages. Moreover, SM line reached the age sexual maturity (ASM) and period to the first ten eggs (Pf10 egg) at earlier age than other lines. On the other hand, crossing did not well improve egg quality parameters. Estimates and percentages of direct additive effect (GI) were negative for most of the studied traits except for EN1, EN2, EN3, FCR3, fertility, scientific and commercial hatchability percentages that were positive. But Estimates and percentages of maternal heterosis (Gm) were positive for all the studied traits of egg production, except for BW2, BW3, ASM, Pf10, FCR1, FCR2, FCR3 and scientific hatchability that were negative. Also, positive estimates and percentages of heterosis were recorded for most of egg production and egg quality traits. It was concluded that using of SS strain as a sire line and MM strain as a dam line resulting in best new commercial egg line (SM) which is of great concern for poultry breeder in Egypt.

Keywords: Mandarahand El-Salam chickens, Crossing, Egg production, Egg quality, Crossbreeding components.

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321 Use of Pesticides and Their Role in Environmental Pollution

Authors: Muhammad Jamil Khan, Muhammad Sharif Zia, Muhammad Qasim

Abstract:

Insect pests are the major source of crop damage, yield and quality reduction in Pakistan and else where in the world. Cotton crop is the most hit crop in Pakistan followed by rice and the second most important foreign exchange earning crop. A wide variety of staple, horticultural and cash crops grown, reflect serious problems of many types of insect pests. To overcome the insect pest problem, pesticide use in Pakistan has increased substantially which has now been further intensified. Pesticides worth more than billions of rupees are imported every year. This paper reviews the over all pesticide use in Pakistan in relation to pesticide prices, support price of cotton and rice, pesticide use in different provinces of Pakistan on different crops and their impact on crop productivity. The environmental pollution caused by the use of pesticides, contamination of soil and water resources and the danger associated with the disposal of their empty containers is also discussed in detail.

Keywords: Pesticide use, crop productivity, environmentalpollution

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320 The Malacca Empire: Sayings of Prophet Muhammad in Sulalat Al-Salatin

Authors: Abdur-Rahman M. A., R. M. Mohd. Ali, R. A. I. R. Yaacob.

Abstract:

In the fifteenth century, the Malacca Empire emerged as the centre of Islamic civilization in the Malay Archipelago. The history had been recorded in Sulalat Al-Salatin, an important literary source about the genealogy of all Kings in Malacca. The objective of this study was to analyze the understanding of sayings from Prophet Muhammad among Malays in Malacca during the fifteenth century through all of the hadith quoted in Sulalat Al-Salatin. This study used content analysis methodology to validate the sayings where all of them were critically analyzed and compared with the classical hadith sources from prominent Muslim scholars. As a result, only two out of the four quotations were considered as authentic sayings of Prophet Muhammad. This study also showed the importance of the palace as the centre of the Islamic education system and the role played by Muslim preachers from outside of Malacca to propagate Islam in Malacca.

Keywords: Hadith in Malay Annals, Malay Annals, SejarahMelayu, Sulalat Al-Salatin.

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319 Optimization of Growth Conditions for Acidic Protease Production from Rhizopus oligosporus through Solid State Fermentation of Sunflower Meal

Authors: Abdul Rauf, Muhammad Irfan, Muhammad Nadeem, Ishtiaq Ahmed, Hafiz Muhammad Nasir Iqbal

Abstract:

Rhizopus oligosporus was used in the present study for the production of protease enzyme under SSF. Sunflower meal was used as by-product of oil industry incorporated with organic salts was employed for the production of protease enzyme. The main purpose of the present was to study different parameters of protease productivity, its yields and to optimize basal fermentation conditions. The optimal conditions found for protease production using sunflower meal as a substrate in the present study were inoculum size (1%), substrate (Sunflower meal), substrate concentration (20 g), pH (3), cultivation period (72 h), incubation temperature (35oC), substrate to diluent-s ratio (1:2) and tween 81 (1 mL). The maximum production of protease in the presence of cheaper substrate at low concentration and stability at acidic pH, these characteristics make the strain and its enzymes useful in different industry.

Keywords: Acidic protease, Rhizopus oligosporus, Mediaoptimization, Solid state Fermentation

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318 Problems that Impede Sustainable Tourism Development in Egypt

Authors: Essam Abdel-Salam Gouda

Abstract:

This paper analysis the tourism development on the Red Sea in Egypt (west bank) and the needed ongoing action toward a sustainable approach. It addresses, at the first, the development's evolution occurred in the coastal area, the environmental effects it left, and how to minimize those impacts in the future. The second main point is dealing with the most important issues that hinder the achievement of sustainable tourism development on the Red Sea coast and how we can overcome them in the future.

Keywords: Coastal management, Environment, Red Sea, Sustainable tourism.

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317 Effect of Varying Diets on Growth, Development and Survival of Queen Bee (Apis mellifera L.) in Captivity

Authors: Muhammad Anjum Aqueel, Zaighum Abbas, Mubasshir Sohail, Muhammad Abubakar, Hafiz Khurram Shurjeel, Abu Bakar Muhammad Raza, Muhammad Afzal, Sami Ullah

Abstract:

Keeping in view the increasing demand, queen of Apis mellifera L. (Hymenoptera: Apidae) was reared artificially in this experiment at varying diets including royal jelly. Larval duration, pupal duration, weight, and size of pupae were evaluated at different diets including royal jelly. Queen larvae were raised by Doo Little grafting method. Four different diets were mixed with royal jelly and applied to larvae. Fructose, sugar, yeast, and honey were provided to rearing queen larvae along with same amount of royal jelly. Larval and pupal duration were longest (6.15 and 7.5 days, respectively) at yeast and shortest on honey (5.05 and 7.02 days, respectively). Heavier and bigger pupae were recorded on yeast (168.14 mg and 1.76 cm, respectively) followed by diets having sugar and honey. Due to production of heavier and bigger pupae, yeast was considered as best artificial diet for the growing queen larvae. So, in the second part of experiment, different amounts of yeast were provided to growing larvae along with fixed amount (0.5 g) of royal jelly. Survival rates of the larvae and queen bee were 70% and 40% in the 4-g food, 86.7% and 53.3% in the 6-g food, and 76.7% and 50% in the 8-g food. Weight of adult queen bee (1.459±0.191 g) and the number of ovarioles (41.7±21.3) were highest at 8 g of food. Results of this study are helpful for bee-keepers in producing fitter queen bees.

Keywords: Apis melifera L., dietary effect, survival and development, honey bee queen.

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316 Emission Constrained Economic Dispatch for Hydrothermal Coordination

Authors: Md. Sayeed Salam

Abstract:

This paper presents an efficient emission constrained economic dispatch algorithm that deals with nonlinear cost function and constraints. It is then incorporated into the dynamic programming based hydrothermal coordination program. The program has been tested on a practical utility system having 32 thermal and 12 hydro generating units. Test results show that a slight increase in production cost causes a substantial reduction in emission.

Keywords: Emission constraint, Hydrothermal coordination, and Economic dispatch algorithm.

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315 Emission Constrained Hydrothermal Scheduling Algorithm

Authors: Sayeed Salam

Abstract:

This paper presents an efficient emission constrained hydrothermal scheduling algorithm that deals with nonlinear functions such as the water discharge characteristics, thermal cost, and transmission loss. It is then incorporated into the hydrothermal coordination program. The program has been tested on a practical utility system having 32 thermal and 12 hydro generating units. Test results show that a slight increase in production cost causes a substantial reduction in emission.

Keywords: Emission constraint, Hydrothermal coordination, and Hydrothermal scheduling algorithm.

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314 Conditioning Process of Fresh Activated Sludge

Authors: Salam K Al-Dawery, Mustafa S Nasser

Abstract:

The effect of polyelectrolytes; cationic and anionic charges and coagulants have been investigated for fresh activated sludge at different concentrations and pH values in a comparative fashion. The results from the experiments indicate that the cationic polyelectrolytes have a significant effluence on the sludge characteristic, degree of flocculation and water quality such as turbidity and SVI. The results show that the cationic CPAM-80 is the most effective polyelectrolyte used corresponding to turbidity and SVI despite of the variations in feed properties of the fresh activated sludge.

Keywords: Coagulant, Polyelectrolyte, Settling volume index, Turbidity.

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313 Unit Commitment Solution Methods

Authors: Sayeed Salam

Abstract:

An effort to develop a unit commitment approach capable of handling large power systems consisting of both thermal and hydro generating units offers a large profitable return. In order to be feasible, the method to be developed must be flexible, efficient and reliable. In this paper, various proposed methods have been described along with their strengths and weaknesses. As all of these methods have some sort of weaknesses, a comprehensive algorithm that combines the strengths of different methods and overcomes each other-s weaknesses would be a suitable approach for solving industry-grade unit commitment problem.

Keywords: Unit commitment, Solution methods, and Comprehensive algorithm.

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312 Enhancement of Shape Description and Representation by Slope

Authors: Ali Salem Bin Samma, Rosalina Abdul Salam

Abstract:

Representation and description of object shapes by the slopes of their contours or borders are proposed. The idea is to capture the essence of the features that make it easier for a shape to be stored, transmitted, compared and recognized. These features must be independent of translation, rotation and scaling of the shape. A approach is proposed to obtain high performance, efficiency and to merge the boundaries into sequence of straight line segments with the fewest possible segments. Evaluation on the performance of the proposed method is based on its comparison with established method of object shape description.

Keywords: Shape description, Shape representation and Slope.

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311 Analysis of Fixed Beamforming Algorithms for Smart Antenna Systems

Authors: Muhammad Umair Shahid, Abdul Rehman, Mudassir Mukhtar, Muhammad Nauman

Abstract:

The smart antenna is the prominent technology that has become known in recent years to meet the growing demands of wireless communications. In an overcrowded atmosphere, its application is growing gradually. A methodical evaluation of the performance of Fixed Beamforming algorithms for smart antennas such as Multiple Sidelobe Canceller (MSC), Maximum Signal-to-interference ratio (MSIR) and minimum variance (MVDR) has been comprehensively presented in this paper. Simulation results show that beamforming is helpful in providing optimized response towards desired directions. MVDR beamformer provides the most optimal solution.

Keywords: Fixed weight beamforming, array pattern, signal to interference ratio, power efficiency, element spacing, array elements, optimum weight vector.

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310 Fabrication and Characterization of Al/Methyl Orange/n-Si Heterojunction Diode

Authors: Muhammad Tahir, Muhammad H. Sayyad, Dil N. Khan, Fazal Wahab

Abstract:

Herein, the organic semiconductor methyl orange (MO), is investigated for the first time for its electronic applications. For this purpose, Al/MO/n-Si heterojunction is fabricated through economical cheap and simple “drop casting” technique. The currentvoltage (I-V) measurements of the device are made at room temperature under dark conditions. The I-V characteristics of Al/MO/n-Si junction exhibits asymmetrical and rectifying behavior that confirms the formation of diode. The diode parameters such as rectification ratio (RR), turn on voltage (Vturn on), reverse saturation current (I0), ideality factor (n), barrier height ( b f ), series resistance (Rs) and shunt resistance (Rsh) are determined from I-V curves using Schottky equations. These values of these parameters are also extracted and verified by applying Cheung’s functions. The conduction mechanisms are explained from the forward bias I-V characteristics using the power law.

Keywords: Electrical properties, Organic/inorganic heterojunction diode, Methyl Orange, Cheungs Functions

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309 Modelling Extreme Temperature in Malaysia Using Generalized Extreme Value Distribution

Authors: Husna Hasan, Norfatin Salam, Mohd Bakri Adam

Abstract:

Extreme temperature of several stations in Malaysia is modelled by fitting the monthly maximum to the Generalized Extreme Value (GEV) distribution. The Mann-Kendall (MK) test suggests a non-stationary model. Two models are considered for stations with trend and the Likelihood Ratio test is used to determine the best-fitting model. Results show that half of the stations favour a model which is linear for the location parameters. The return level is the level of events (maximum temperature) which is expected to be exceeded once, on average, in a given number of years, is obtained.

Keywords: Extreme temperature, extreme value, return level.

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308 A Robotic Cube to Preschool Children for Acquiring the Mathematical and Colours Concepts

Authors: Ahmed Amin Mousa, Tamer M. Ismail, M. Abd El Salam

Abstract:

This work presents a robot called Conceptual Robotic Cube, CR-Cube. The robot can be used as an educational tool for children from the age of three. It has a cube shape attached with a camera colours sensor. In addition, it contains four wheels to move smoothly. The researchers prepared a questionnaire to measure the efficiency of the robot. The design and the questionnaire was presented to 11 experts who agreed that the robot is appropriate for learning numbering and colours for preschool children.

Keywords: CR-Cube, robotic cube, conceptual robot, conceptual cube, colour concept, early childhood education.

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307 Enhancement Approaches for Supporting Default Hierarchies Formation for Robot Behaviors

Authors: Saeed Mohammed Baneamoon, Rosalina Abdul Salam

Abstract:

Robotic system is an important area in artificial intelligence that aims at developing the performance techniques of the robot and making it more efficient and more effective in choosing its correct behavior. In this paper the distributed learning classifier system is used for designing a simulated control system for robot to perform complex behaviors. A set of enhanced approaches that support default hierarchies formation is suggested and compared with each other in order to make the simulated robot more effective in mapping the input to the correct output behavior.

Keywords: Learning Classifier System, Default Hierarchies, Robot Behaviors.

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306 Maximum Entropy Based Image Segmentation of Human Skin Lesion

Authors: Sheema Shuja Khattak, Gule Saman, Imran Khan, Abdus Salam

Abstract:

Image segmentation plays an important role in medical imaging applications. Therefore, accurate methods are needed for the successful segmentation of medical images for diagnosis and detection of various diseases. In this paper, we have used maximum entropy to achieve image segmentation. Maximum entropy has been calculated using Shannon, Renyi and Tsallis entropies. This work has novelty based on the detection of skin lesion caused by the bite of a parasite called Sand Fly causing the disease is called Cutaneous Leishmaniasis.

Keywords: Shannon, Maximum entropy, Renyi, Tsallis entropy.

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305 External Morphological Study of Wild Labeo calbasu with Reference to Body Weight' Total Length and Condition Factor from the River Chenab, Punjab, Pakistan

Authors: Muhammad Naeem, Asif Hussain Bhatti, Muhammad Fahad Nouman

Abstract:

115 samples of Labeo calbasu ranged 8.0-17.9cm length with mean11.90±1.96 and 4.9-68.5g weight with mean 22.25±12.54 from the River Chenab, Southern Punjab, Pakistan were analyzed to investigate length-weight relationships (LWR) of fish in relation to condition factor (K). Standard length (SL), fork length (FL), head length (HL) head width (HW), body girth (BG), dorsal fin length (DFL), dorsal fin base (DFB), pectoral fin length (PcFL), pelvic fin length (PvFL) and anal fin length (AFL) are found to be highly correlated with increasing total length and wet body weight (r > 0.500). Wet body weight has positive (r=0.540) and total length has no correlation (r=0.344) with calculated Condition factor (K). The slope “b" in the relationship is 3.27 and intercepts -2.2258.

Keywords: Labeo calbasu, Length-weight relationship, Body weight, condition factor

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304 Reducing Stock-out Incidents at a Hospital Using Six Sigma

Authors: Lina Al-Qatawneh, Abdallah Abdallah, Salam Zalloum

Abstract:

In managing healthcare logistics, cost is not the only factor to be considered. The level of items- criticality used in patient care services plays an important role as well. A stock-out incident of a high critical item could threaten a patient's life. In this paper, the DMAIC (Define-Measure-Analyze-Improve-Control) methodology is used to drive improvement projects based on customer driven critical to quality characteristics at a Jordanian hospital. This paper shows how the application of Six Sigma improves the performance of the case hospital logistics system by reducing the number of stock-out incidents.

Keywords: Criticality level, Healthcare, Logistics, and Six Sigma.

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303 Effect of Different Conditions on the Sorption Behavior of Co2+ Using Celatom- ZeoliteY Composite

Authors: Salam K. Al-Nasri, SM Holmes

Abstract:

Composite of Celatom-ZeoliteY (Cel-ZY) was used to remove cobalt ion from an aqueous solution using batch mode. ZeoliteY has successfully superimposed on Celatom FW-14 surface using hydrothermal treatment .The product was synthesized as a novel of hierarchical porous material. It was observed from the results that Cel-ZY has higher ability to remove cobalt ions than the pure ZeoliteY powder (PZY) synthesized under the same conditions. Several parameters were studied in this project to investigate the effect of removal cobalt ion such as pH and initial cobalt concentration. It was clearly observed that the uptake of cobalt ions was affected with increase these parameters. The results proved that the product can be used effectively to remove Co2+ ions from wastewater as an environmentally friendly alternative.

Keywords: Adsorption, Celatom-Zeolite, Cobalt ions, Isotherm models.

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302 Parametric Cost Estimating Relationships for Design Effort Estimation

Authors: Adil Salam, Nadia Bhuiyan, Gerard J. Gouw

Abstract:

The Canadian aerospace industry faces many challenges. One of them is the difficulty in estimating costs. In particular, the design effort required in a project impacts resource requirements and lead-time, and consequently the final cost. This paper presents the findings of a case study conducted for recognized global leader in the design and manufacturing of aircraft engines. The study models parametric cost estimation relationships to estimate the design effort of integrated blade-rotor low-pressure compressor fans. Several effort drivers are selected to model the relationship. Comparative analyses of three types of models are conducted. The model with the best accuracy and significance in design estimation is retained.

Keywords: Effort estimation, design, aerospace.

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301 Applications of AUSM+ Scheme on Subsonic, Supersonic and Hypersonic Flows Fields

Authors: Muhammad Yamin Younis, Muhammad Amjad Sohail, Tawfiqur Rahman, Zaka Muhammad, Saifur Rahman Bakaul

Abstract:

The performance of Advection Upstream Splitting Method AUSM schemes are evaluated against experimental flow fields at different Mach numbers and results are compared with experimental data of subsonic, supersonic and hypersonic flow fields. The turbulent model used here is SST model by Menter. The numerical predictions include lift coefficient, drag coefficient and pitching moment coefficient at different mach numbers and angle of attacks. This work describes a computational study undertaken to compute the Aerodynamic characteristics of different air vehicles configurations using a structured Navier-Stokes computational technique. The CFD code bases on the idea of upwind scheme for the convective (convective-moving) fluxes. CFD results for GLC305 airfoil and cone cylinder tail fined missile calculated on above mentioned turbulence model are compared with the available data. Wide ranges of Mach number from subsonic to hypersonic speeds are simulated and results are compared. When the computation is done by using viscous turbulence model the above mentioned coefficients have a very good agreement with the experimental values. AUSM scheme is very efficient in the regions of very high pressure gradients like shock waves and discontinuities. The AUSM versions simulate the all types of flows from lower subsonic to hypersonic flow without oscillations.

Keywords: Subsonic, supersonic, Hypersonic, AUSM+, Drag Coefficient, lift Coefficient, Pitching moment coefficient, pressure Coefficient, turbulent flow.

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300 A Novel Approach for Tracking of a Mobile Node Based on Particle Filter and Trilateration

Authors: Muhammad Haroon Siddiqui, Muhammad Rehan Khalid

Abstract:

This paper evaluates the performance of a novel algorithm for tracking of a mobile node, interms of execution time and root mean square error (RMSE). Particle Filter algorithm is used to track the mobile node, however a new technique in particle filter algorithm is also proposed to reduce the execution time. The stationary points were calculated through trilateration and finally by averaging the number of points collected for a specific time, whereas tracking is done through trilateration as well as particle filter algorithm. Wi-Fi signal is used to get initial guess of the position of mobile node in x-y coordinates system. Commercially available software “Wireless Mon" was used to read the WiFi signal strength from the WiFi card. Visual Cµ version 6 was used to interact with this software to read only the required data from the log-file generated by “Wireless Mon" software. Results are evaluated through mathematical modeling and MATLAB simulation.

Keywords: Particle Filter, Tracking, Wireless Local Area Network, WiFi, Trilateration

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299 Factors Paving the Way towards Islamic Banking in Pakistan

Authors: Muhammad Mazhar Manzoor, Muhammad Aqeel, Abdul Sattar

Abstract:

Islamic banking is one the most blossoming doctrine in economic system of the world. The Fast growing awareness about Islamic financial system has brought strong feeling to Muslims to confront the western interest-based economic cycle. The Islamic economic system is emerging as a reliable alternative to the interest based system. This study is proposed to ascertain the motivational factors encouraging people to go for Islamic banking in Pakistan. These pulsing factors are determined by generation of hypothesis that there are certain factors which are urging people to opt Islamic banking system and to see the differences in their ranking by applying Friedman test. These factors include: Economically derived factors such as stability of Islamic banks in crisis, profit and loss sharing doctrine and equity sharing etc. This study also highlights the religiously derived factors such as interest free banking, Shariah tenets and supervisory of Islamic Shariah board and sociopsychological factors.

Keywords: Islamic banking, motivational factors, religiousfactors, socio-psychological factors and economic factors

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298 Investigating Financial Literacy among Emiratis

Authors: Ashraf Khalil, Salam Abdallah, Khalil Al-hilo, Ebere Iroadu

Abstract:

Financial literacy is one of the key factors needed in making informed financial decisions. As businesses continue to be more profit driven, more financial and economic intrigues arise that continue to put individuals at the risk of spending more and more without considering the short term and long term effects. We conducted a study to assess financial literacy and financial decision making among Emiratis. Our results show that financial literacy is lacking among Emiratis. Also, almost half of respondents owe loans to other peoples and 1/5 of them have bank loans. We expect that the outcome of this research will be useful for designing educational programs and policies to promote financial planning and security among Emiratis. We also posit that deeper and more informed understanding of this problem is a precursor for developing effective financial education programs with the aim of improving financial decision- making among Emiratis.

Keywords: Financial literacy, loans, financial planning, Emiratis.

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297 Rheological Behavior of Fresh Activated Sludge

Authors: Salam K. Al-Dawery

Abstract:

Despite of few research works on municipal sludge, still there is a lack of actual data. Thus, this work was focused on the conditioning and rheology of fresh activated sludge. The effect of cationic polyelectrolyte has been investigated at different concentrations and pH values in a comparative fashion. Yield stress is presented in all results indicating the minimum stress that necessary to reach flow conditions. Connections between particle-particle is the reason for this yield stress, also, the addition of polyelectrolyte causes strong bonds between particles and water resulting in the aggregation of particles which required higher shear stress in order to flow. The results from the experiments indicate that the cationic polyelectrolytes have significant effluence on the sludge characteristic and water quality such as turbidity, SVI, zone settling rate and shear stress.

Keywords: Rheology, Polyelectrolyte, Settling volume index, Turbidity.

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