The proper burial of a Muslim is a very spiritual and sacred part of our worship. One should seek to understand these rites, which makes for a simple and beautiful occasion. I was inspired to write this booklet after the transitiondeathof my beloved friend Sister Leah Henton. What should have been a beautiful and dignified occasion became a heartbreaking experience because of a decision that Leahs husband made, which would leave her family, especially her parents, with heartbreaking memories of how their daughter, a Muslim, was laid to rest and buried. The purpose of this booklet is to assist and enlighten Muslims and non-Muslim family members in the preparing and arranging of the Janazah (funeral) of our deceased Muslim loved ones. May Allah be pleased with my humble effort. Jamella Jihad
Jamella Jihad explores how America is making its money while challenging American Muslims, Christians, and the Jewish community to save Americas people from self-destruction. Mrs. Jihad believes that Islam is the solution for America. Sin Is a Trillion- Dollar Industry will help American Muslims, Christians, and Jews become thinking people. If you truly believe, then support the laws of God in your own Religious Book! Christians make this statement: Christ died for our sins. In this book, Mrs. Jihad questions religious peoples claims.
Surviving the Holy War is an account of a true life story that demonstrates God's interventions during the darkest of times. Rev. Jihad Cobey was kidnapped by the PLO, arrested by government authorities, poisoned in one of the Arab countries, diagnosed with Bipolar Disorder, and trapped in Lebanon during the Israeli siege of Beirut. He had a close encounter with Satan, among other events covered in this book. Through it all, the Lord miraculously set him free from each of these events. A true life story filled with God's great demonstrations of His love and care for His children. It will enrich you spiritually; it will exhort and uplift you by seeing God's ways that have not been seen before. Most of all; it presents the message of Jesus Christ and His saving grace in a unique and exciting way. The book is an actual account of real events, places, people, and incidents that took place in the life of the author on three continents and in more than seven countries. The author wants to share this book so that others might learn of the rewards and consequences of the choices that man makes in life.
A.J. Racy, a scholar of ethnomusicology, provides an intimate portrayal of the Arab musical experience in this pioneering book. Racy focuses on tarab, a multifaceted concept that has no exact equivalent in English and refers to the indigenous music and the ecstasy associated with it. His book examines aspects of musical craft, including basic skills, musician's inspiration, love lyrics as tools of ecstasy, and the relationship between performers and listeners.
A Story of Brotherhood New book tells the story of six black males and a friendship that extends beyond a lifetime. True friendship and brotherhood can give meaning to ones life, even after a painful experience where good memories of a once strong bond are the only thing that is left. Such is the story of six men in Jamella A. Jihads The Summer of 89: A Summer to Remember, an inspirational story released through Xlibris. In a society where color is an issue, equality is rare, and inferiority is a disease. This very situation led to the birth of a friendship among a group of African American males determined to help each other depart from the stigma that this society has about black males. Through each others support, all of them graduated with honors from one of the finest high schools in the state and have been accepted into prestigious colleges. One of the young men reached out to the author as she sleeps, in her dream he asks her to help him tell their story. Over three nights, in 1991 after the birth of her newborn daughter Baiyina Jihad, this young man visits Jamella. Please help me tell our story. Jamella does not know that she is dreaming, she wakes up, to see a young man sitting on her bed, a frighten Jamella, screamed out where is my daughter, where is my husband? The young man said, Calm down youre dreaming, I need you to write my story please. Jamella knew even before the young mans request that she would write the story. For three nights, the author sits quietly on the side of the bed while her family sleeps. She writes the young me s story. On the last of the three nights, Jamella finds herself sad; she knows this night will be the last visit from the young man. Jamella, thank you for writing our story, I do hope, and believe we will meet again one day. Her reply; please dont go, we are not finished writing your story, we cant stop now, its almost finished. Jamella was not ready to let go. The young man replied; God will guide you the rest of the way. It was the last time Jamella saw the young man, Witness how this young man finds meaning in his life by sharing their story through his eyes. An inspirational story about brotherhood an survival, The Summer 89: A Summer to Remember defines for these young menthe foundation of life _ friendship, and love. For more information, log on to www. Xlibris.com.
This paper examines key considerations around central bank digital currency (CBDC) for use by the general public, based on a comprehensive review of recent research, central bank experiments, and ongoing discussions among stakeholders. It looks at the reasons why central banks are exploring retail CBDC issuance, policy and design considerations; legal, governance and regulatory perspectives; plus cybersecurity and other risk considerations. This paper makes a contribution to the CBDC literature by suggesting a structured framework to organize discussions on whether or not to issue CBDC, with an operational focus and a project management perspective.
We use a calibrated multi-sector DSGE model to analyze the likely impact of oil windfalls on the Ghanaian economy, under alternative fiscal and monetary policy responses. We distinguish between the short-run impact, associated with demand-related pressures, and the medium run impact on competitiveness and growth. The impact on inflation and the real exchange rate could be moderate, especially if the fiscal authorities smooth oil-related spending or increase public spending’s import content. However, a policy mix that results in both a fiscal expansion and the simultaneous accumulation of the foreign currency proceeds from oil as international reserves—to offset the real appreciation—would raise demand pressures and crowd-out the private sector. In the medium term, the negative impact on competitiveness—resulting from ”Dutch Disease” effects—could be small, provided public spending increases the stock of productive public capital. These findings highlight the role of different policy responses, and their interaction, for the macroeconomic impact of oil proceeds.
We show that the lightly regulated non-bank mortgage originators contributed disproportionately to the recent boom-bust housing cycle. Using comprehensive data on mortgage originations, which we aggregate at the county level, we first establish that the market share of these independent non-bank lenders increased in virtually all US counties during the boom. We then exploit the heterogeneity in the market share of independent lenders across counties as of 2005 and show that higher market participation by these lenders is associated with increased foreclosure filing rates at the onset of the housing downturn. We carefully control for counties' economic, demographic, and housing market characteristics using both parametric and semi-nonparametric methods. We show that this relation between the pre-crisis market share of independents and the rise in foreclosure is more pronounced in less regulated states. The macroeconomic consequences of our findings are significant: we show that the market share of these lenders as of 2005 is also a strong predictor of the severity of the housing downturn and subsequent rise in unemployment. Overall our findings lend support to the view that more stringent regulation could have averted some of the volatility on the housing market during the recent boom-bust episode.
Financial crises are traditionally analyzed as purely economic phenomena. The political economy of financial booms and busts remains both under-emphasized and limited to isolated episodes. This paper examines the political economy of financial policy during ten of the most infamous financial booms and busts since the 18th century, and presents consistent evidence of pro-cyclical regulatory policies by governments. Financial booms, and risk-taking during these episodes, were often amplified by political regulatory stimuli, credit subsidies, and an increasing light-touch approach to financial supervision. The regulatory backlash that ensues from financial crises can only be understood in the context of the deep political ramifications of these crises. Post-crisis regulations do not always survive the following boom. The interplay between politics and financial policy over these cycles deserves further attention. History suggests that politics can be the undoing of macro-prudential regulations.
Three notorious players--Carter, a gigolo who has found the perfect woman; Vernon, who is having an affair with his wife's best friend; and Rick, who wants to make it out of the game--must make some tough choices when they discover that love is more important than sex. Reprint.
The appropriate level of bank capital and, more generally, a bank’s capacity to absorb losses, has been at the core of the post-crisis policy debate. This paper contributes to the debate by focusing on how much capital would have been needed to avoid imposing losses on bank creditors or resorting to public recapitalizations of banks in past banking crises. The paper also looks at the welfare costs of tighter capital regulation by reviewing the evidence on its potential impact on bank credit and lending rates. Its findings broadly support the range of loss absorbency suggested by the Financial Stability Board (FSB) and the Basel Committee for systemically important banks.
Survival of the Fittest - The path from boys to men is paved with obstacles...with prison rates soaring, graduation rates dropping and the streets claiming a growing number of young black men, only the strong can survive. Now, there's help to navigate the turbulent path to manhood. It's called The Survival Bible, an easy-to-read, inspirational, page-turning book, full of true-to-life essays that creatively attack the heart of problems that so many young men of color face growing up in today's society. Not just stocked with problems, The Survival Bible is filled with solutions. Each essay is designed to spark discussion to help young men make better decisions, motivate them to strive for more, and propel them to a lifetime of success.
Fluorescence spectroscopy is an important investigational tool in many areas of analytical science, due to its extremely high sensitivity and selectivity. With many uses across a broad range of chemical, biochemical and medical research, it has become an essential investigational technique allowing detailed, real-time observation of the structure and dynamics of intact biological systems with extremely high resolution. It is particularly heavily used in the pharmaceutical industry where it has almost completely replaced radiochemical labelling. Principles and Applications of Fluorescence Spectroscopy gives the student and new user the essential information to help them to understand and use the technique confidently in their research. By integrating the treatment of absorption and fluorescence, the student is shown how fluorescence phenomena arise and how these can be used to probe a range of analytical problems. A key element of the book is the inclusion of practical laboratory experiments that illustrate the fundamental points and applications of the technique.
Istanbul is fading and unrestrained and prostrate and sinning exuding its longing in the light..., the evening burns. Angst flirts with her as if its defiance is the sky's ceramics. Spread your futile being, so I see my pain...
The recent global crisis highlighted the risks stemming from real estate booms. This has generated a growing literature trying to better understand the sources and the risks associated with housing and credit booms. This paper complements and supplements the previous work by (i) exploiting more disaggregated data on credit allowing us to dissociate between firm-credit and household (and in some cases mortgage) credit, and (ii) by taking into account the characteristics of the mortgage market, including institutional as well as other factors that vary across countries. This detailed cross-country analysis offers new valuable insights.
Laws governing the foreclosure process can have direct consequences on the costs of foreclosure and could therefore affect lending decisions. We exploit the heterogeneity in the judicial requirements across U.S. states to examine their impact on banks’ lending decisions in a sample of urban areas straddling state borders. A key feature of our study is the way it exploits an exogenous cutoff in loan eligibility to GSE guarantees which shift the burden of foreclosure costs onto the GSEs. We find that judicial requirements reduce the supply of credit only for jumbo loans that are ineligible for GSE guarantees. These laws do not affect, however, the relative demand of jumbo loans. Our findings, which also hold using novel nonbinary measures of judicial requirements, illustrate the consequences of foreclosure laws on the supply of mortgage credit. They also shed light on a significant indirect cross-subsidy by the GSEs to borrower-friendly states that has been overlooked thus far.
Mas Muadzin ini orang goblok sama seperti saya. Orang pintar biasanya terlalu banyak ide, sehingga nggak ada satupun yang jadi kenyataan. Sementara orang goblok mungkin hanya punya satu ide, dan satu ide itu yang jadi pilihannya. - Bob Sadino - Buku terbitan Transmedia Pustaka
In this book, Asif Ahmed Srabon describes the flow of significant events from the time of America's freedom struggle to the present day. Taken from a complete history, George Washington's role in American independence, conquest of states, and various dramatic episodes of the accession of the United States are noted. The author believes that the book will be the center of interest of the reader.
We examine the impact of banks’ exposure to market liquidity shocks through wholesale funding on their supply of credit during the financial crisis in the United States. We focus on mortgage lending to minimize the impact of confounding demand factors that could potentially be large when comparing banks’ overall lending across heterogeneous categories of credit. The disaggregated data on mortgage applications that we use allows us to study the time variations in banks’ decisions to grant mortgage loans, while controlling for bank, borrower, and regional characteristics. The wealth of data also allows us to carry out matching exercises that eliminate imbalances in observable applicant characteristics between wholesale and retail banks, as well as various other robustness tests. We find that banks that were more reliant on wholesale funding curtailed their credit significantly more than retail-funded banks during the crisis. The demand for mortgage credit, on the other hand, declined evenly across wholesale and retail banks. To understand the aggregate implications of our findings, we exploit the heterogeneity in mortgage funding across U.S. Metropolitan Statistical Areas (MSAs) and find that wholesale funding was a strong and significant predictor of a sharper decline in overall mortgage credit at the MSA level.
Access to financial services in the small states of the Pacific is being eroded. Weaknesses in Anti-Money Laundering and Combating the Financing of Terrorism compliance in the context of high levels of remittances are contributing to banks’ decisions to withdraw corresponding banking relationships and close bank accounts of money transfer operators. In this paper, we gather evidence on these developments in the small states of the Pacific, discuss the main drivers, and the potentially negative impact on the financial sector and macroeconomy. We then identify the collective efforts needed to address the consequences of withdrawal of corresponding banking relationships and outline policy measures to help the affected countries mitigate the impact.
The rise of new and proposed monetary vehicles, including CBDC, stablecoins, payment service providers etc., are unprecedented. An important question for central banks is the extent to which these innovations upend the role of and implementation of monetary policy. The paper focuses on the interest rate channel and if digital money (especially CBDC) will change monetary policy and central bank operations. We argue that new policy instruments make sense only to the extent that there is limited substitutability between the various payment sectors. We analyze trends in currency-in-circulation, and how it may impact central bank’s seigniorage, monetary base, and transactional velocity of digital money if money demand declines. Liquidity outside the monetary base will also be important to understand.
The paper looks at feasible concrete action that can be taken by correspondent and respondent banks, money transfer operators, the Pacific authorities, the Australian and New Zealand authorities, and international organizations.
A model in which monetary policy pursues full-fledged inflation targeting adapts well to Ghana. Model features include: endogenous policy credibility; non-linearities in the inflation process; and a policy loss function that aims to minimize the variability of output and the interest rate, as well as deviations of inflation from the long-term low-inflation target. The optimal approach from initial high inflation to the ultimate target is gradual; and transitional inflation-reduction objectives are flexible. Over time, as policy earns credibility, expectations of inflation converge towards the long-run target, the output-inflation variability tradeoff improves, and optimal policy responses to shocks moderate.
This book enables its readers to understand Islamic ethics at workplace and its role in enhancing the performance and productivity of organizations. Moreover, this timely and important book is an essential guide for academician, researchers, and managers to enhance and enrich their understanding and knowledge about the effective role of Islamic work ethics. The concept of work ethics is acknowledged as an important indicator of the likely success of all types of organizations. However, the bulk of research pertaining to work ethics and various organizational and individual outcomes has focused predominantly on the concept of Protestant work ethics and not much attention has been given to assess the notion of Islamic work ethics. Nonetheless, it is necessary to understand other work ethics from different religious faiths in order to get a better understanding about the work ethics phenomenon. This book aims to bridge this gap in literature and advance the knowledge regarding work ethics from the Islamic perspective. This book presents some insightful strategies for Islamic financial institutions to manage workplace ethics. Those who are eager to advance their knowledge about Islamic work ethics, organizational justice, and organizational citizenship behavior will find this book very useful.
This paper adopts the bounds testing procedure developed by Pesaran et al. (2001) to test the stability of the long-run money demand for Ghana. The results provide strong evidence for the presence of a stable, well-identified long-run money demand during a period of substantial changes in the financial markets. The empirical evidence points to complex dynamics between money demand and its determinants while suggesting that deviations from the equilibrium are rather short-lived.1
Land of Tsar and Revolution: The Epic Story of Russia" takes readers on an enthralling journey through the tumultuous and captivating history of one of the world's most enigmatic nations. Delving deep into the heart of Russia, this meticulously researched historical masterpiece unveils the fascinating saga of a land steeped in grandeur, intrigue, and transformation.
This book is for those who are interested to know more about the recent trend of service loyalty and service switching among mobile phone service users. This timely and important book is an essential guide for researchers, policy makers, managers, and marketers to develop an insight to better strategize and effectively implement loyalty programs and prevent their customers from switching. The term loyalty is acknowledged as an important indicator of the likely success of a service business, whereas switching costs a service firm the customers future revenue stream. However, recent research revealed that, in many industries, satisfied customers also tend to switch. This book discusses the role of switching cost and consumer innovativeness in explaining consumers switching tendency. Last but not the least, this book offers a richer explanation about loyalty and switching phenomena than past studies that mostly discussed these two constructs in isolation. Nowadays, divided loyalty as well as switching became a common issue, which made it difficult for the company managers to retain their customers for a long time. With no exception, the mobile phone service market is also filled with divided loyal ones as well as switchers. This book presents some depth and breadth strategies for the mobile phone network service providers in order to manage such promiscuous customers.
This book is ideal for teaching subjects related to marketing, management, entrepreneurship, and business ethics. It can be used as the tool to teach students/trainers in advanced undergraduate and MBA/MSc classes. It is widely acknowledged that, only theoretical discussion does not provide the comprehensive understanding about the business decisions that are taken by the managers and/or other parties involved. And thus, use of cases are common in business studies which not only provides students understanding about the practical aspects of the concepts that are being taught in text-books, but also it introduces students with several aspects of the real-life dilemma, complexities and challenges while working in a business environment. This book contains teaching notes of the book titled A Handbook of Malaysian Cases: Contemporary Issues in Marketing & Management in which eleven local cases were presented. The teaching notes serve as a guide for instructors who intend to utilize these cases in their classes. Each teaching note includes a brief synopsis of the case, learning objectives, the case's target audience, information about the case leading strategies, relevant concepts/subjects, suggested assignment questions, and their corresponding suggested answers. In this way, the instructors will have greater understanding about the use and applicability of the said eleven cases. It is hoped that university lecturers, practitioners, and students who are undertaking courses in business studies will benefit from this book.
The appropriate level of bank capital and, more generally, a bank’s capacity to absorb losses, has been at the core of the post-crisis policy debate. This paper contributes to the debate by focusing on how much capital would have been needed to avoid imposing losses on bank creditors or resorting to public recapitalizations of banks in past banking crises. The paper also looks at the welfare costs of tighter capital regulation by reviewing the evidence on its potential impact on bank credit and lending rates. Its findings broadly support the range of loss absorbency suggested by the Financial Stability Board (FSB) and the Basel Committee for systemically important banks.
Learn how to push Macromedia Director to new heights through step-by-step tutorials with information that can't be found anywhere else. The text covers high-end techniques like linking Director to database systems and creating Director movies that link to other programs such as PowerPoint. Readers will also learn to create technical hybrid Director multimedia presentations for business, games and commercial products.
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