Introduction to Islamic Banking
The most prominent feature of the Islamic economic system is the prohibition of interest. Islamic economic policies have been applied exclusively in the financial industry, especially in banking. Islamic finance is growing at multiple levels and is now spreading to other financial sectors such as insurance, structural financing, project financing, mutual funds, syndicated finance, investment banking, etc. At the geographical level too, Islamic banking has grown from the Middle East to Europe and now has a good position in the South Asian market as well.
Shariah compliance also ensures corporate social responsibility (CSR) and ethical compliance. Islami Bank does not conduct business with companies involved in tobacco, alcohol production or gambling, casinos, nightclubs, prostitution, etc. This system has given the name of ‘Ethical Banking’ to Islamic banking in Europe.
The balance sheets of Islamic banks are capable of taking a financial push. Islamic banks are not obliged to pay fixed returns to their depositors and general creditors. Creditors, shareholders, and depositors share and participate in the business of the bank. Therefore, if there is a push towards assets (NPL increase), diploma in Islamic banking will be able to share this loss with their depositors and shareholders.
Financing activities of Islami Bank
The following methods are used in Islamic banking for making payments.
In the declining Musharaka, the customer goes to the bank for joint purchase of an asset/property. This is called ‘Diminishing Musharakah’ because the tenant’s ownership increases and the bank’s ownership decreases or decreases with time. If the ownership of the tenant increases, the rent decreases. The bank’s share in assets/property is divided into units. These units are purchased periodically by the customer until he purchases all the units. After purchasing all the units of the customer bank, he becomes the sole owner of the assets/property.
Murabaha is a late payment sales transaction. Murabaha is used for working capital financing, SME financing, and trade financing. The process flow of Murabaha is as follows:
Islami Bank and the client signed a Master Murabaha Islamic finance certification Agreement and an Agency Agreement. According to the agency agreement, the customer purchases the product from the supplier on behalf of the bank. The customer promises to purchase assets from the bank. It is a one-sided commitment and commitment. The bank pays the supplier and receives the title and physical/structural possession of the property. The customer signs a declaration that he has purchased the goods on behalf of the bank and is now willing to purchase the assets.
Leasing means renting something. In a lease, the right to use a property is transferred to another person for consideration. The process flow is as follows:
The customer goes to the bank to get an asset with the lease. The customer is responsible for making periodic lease payments for the lease term. Lease agreements and company agreements are signed. The customer purchases assets as an agent of the bank. The bank receives the title of the asset and pays the seller. The bank leases the assets and the customer starts using the assets and pays the rent for each period. Finally, the customer can purchase assets from the bank through a separate purchase agreement.
It is used to finance products and services that are not ready for spot sale and need to be delivered later. Hi, payment spot, but delivery is delayed. In current practice, it is used in currency trading as an alternative to the bill of exchange discounting and agricultural financing.
It is used to finance products that are not yet ready for sale and need to be made. Examples include tailoring services, architect services, etc. It is the producer’s order to make a specific product for the buyer It is used to finance pre-shipment exports and is useful in all other situations where the product has to be made before the sale.
Can You Buy Modafinil In The US and UK From HighStreetPharma?
What Is Modafinil?
Modafinil is a central nervous system stimulant in the form of smart pills that are used to treat narcolepsy and other sleep disorders. Modafinil is a popular prescription medicine for shift disorders and ADHD. It’s a wakefulness-promoting agent that increases alertness and reduces fatigue in healthy people.
Modafinil is also known as a cognitive enhancer. It’s been shown to improve memory, reaction time, and vigilance. Think of staying awake for hours without feeling sleepy and tired. For these reasons, it’s often used by students, business professionals, pilots, gamers, and others who need to be highly attentive and productive.
How to use modafinil effectively?
There are certain points to remember when taking modafinil:
- Right Dose: The recommended dosage range is 100 mg to 200 mg, and going above that is not indicated.
- Right Timing: Unless you plan to stay up all night, it is always recommended to take it in the morning.
- Drink sufficient Water: Proper hydration is important because modafinil can help to prevent the headaches and nausea that are common adverse effects of the drug.
- Checking Contraindications: The best course of action is to avoid modafinil if you are using any hormonal contraceptives because of the way it interacts with them. Modafinil is not recommended if you have ever experienced rashes after taking it. Prior to taking modafinil, patients with liver and cardiac conditions should also see a doctor.
Where can you buy Modafinil online safely?
If you ever looked up modafinil on Google you must have definitely come across HighStreetPharma, the well-known distributor of modafinil. If not then read this article to know about the safest place to buy modafinil online.
HighStreetPharma is a fantastic choice if you’re looking for a dependable supplier of modafinil. A variety of generic and branded Modafinil products are available from the US-based online pharmacy HighStreetPharma, along with additional nootropic substances.
HighStreetPharma is a great option for anyone looking to buy Modafinil online because it offers a wide selection of goods at low prices and further savings when using HighStreetPharma coupon codes. There are several payment options available, and according to HighStreetPharma Reddit reviews if you want to save even more money on your modafinil orders, HighStreetPharma Coupons are accessible on a number of affiliate websites. Numerous loyal customers get exclusive HighStreetPharma coupon codes as a reward. It also offers extra products and additional savings on particular payment methods. It is advised to read HighStreet Pharma reviews on review websites like Techmorereview, Sitejabber and Reddit, which rate this website with five stars.
FAQs On HighStreetPharma
- What are the products available on HighStreetPharma?
If you’re searching for a comprehensive range of nootropics that can help you improve your cognitive performance, HighStreetPharma is the place to go. Their items are specifically developed to sustain peak mental performance and keep you alert and concentrated throughout the use. Here is the list of all popular nootropics products available on HighStreetPharma:
- Modalert 200mg
- Waklert 150mg
- Artvigil 150mg
- Modvigil 200mg
- Nootropil Piracetam 800mg
- Modafil MD 200 mg
- What payment options are available?
HighStreetPharma offers convenient and secure payment options to make sure that your shopping experience is smooth and hassle-free. HighStreetPharma accepts Mastercard, crypto,PayPal, and gift cards. As per HighStreetPharma reviews you can buy modafinil using crypto at an even lesser price as HighStreetPharma offers additional discounts on crypto payments along with 30% bonus products on your modafinil order.
- What are the Shipping options on HighStreetPharma?
HighStreetPharma offers free express shipping to all orders globally excluding those that have strict customs regulations and constraints. It typically ships in 15 to 20 days depending on the origin of shipping and the country of order placed. Shipping to some specific countries might take longer than two weeks.Most HighStreetPharma orders are shipped from either India or Singapore. HighStreetPharma offers free reshipping or a 100% money-back guarantee on their orders but to selected countries only. As per HighStreetpharma reviews it is one of the very rare websites that offer Guaranteed delivery to the EU.
- What are the reviews on HighStreetPharma?
Online testimonials for HighStreetPharma say volumes about how responsive and proactive the company’s customer service team is and how they go above and beyond to please clients. If you research “HighStreetPharma Reddit,” you will notice how this merchant has received praise from a number of reddit subreddits. Reddit reviews for HighStreetPharma also note how simple their website is to use. According to multiple HighStreetPharma Reddit reviews, the company’s internet site is very professionally made, has a user-friendly interface, and offers secure payment alternatives.
Is HighStreetPharma legit?
We discovered HighStreetPharma to be a trustworthy seller offering a wide variety of nootropic supplements and generic medications as a result of our study and analysis. All of our readers who inquire, “Is HighStreetPharma legit?” Checking this vendor’s dependability was one way we tried to respond to that. As per real HighStreetPharma reviews from users who placed orders for modafinil discovered the HighStreetPharma website to be quite user-friendly and to have a neat layout. Moreover, it has incredible pricing along with safe and secured payment options. Additionally customer care is responsive and dedicated to all customer queries. Hence HighStreetPharma is legit.
Nearly ten years after its founding, HighStreetPharma has established itself as one of the industry’s most dependable suppliers of modafinil in the USA and UK. The company guarantees complete satisfaction and offers free shipping to any country in the world. HighStreetPharma reviews claim that they are one of the few companies that provide such incredible costs and guarantee delivery to the EU. HighStreetPharma reddit reviews have mainly been positive and complimentary of the products and services this supplier offers. You can easily log into the website, register yourself, and make your modafinil purchase in under a few minutes. Moreover, there are tons of resources available to get you acquainted with nootropics and other generic medications for various health problems like acne, hair fall, erectile dysfunction, etc.
21overnight Empowers Fake Id Cards User Edit Their Cards
There are varieties of reasons why people seek fake ID cards. Of the increasing online fraud, many people conceal their real id cards when opening accounts on online shopping sites. Therefore, most would rather use a fake ID card to open such accounts in fear of having their real cards nabbed by fraudsters. Moreover, teenagers would seek fake ID cards to get into prohibited areas, mostly social joints. Therefore, irrespective of the reasons for seeking a fake ID card, it is risky to be nabbed with one.
Security officers have also evolved with time to include sophisticated devices to vet id cards at security checks. Therefore fake id card makers must be smart to develop identical cards that pass scannable police stops. Nonetheless, this is not easy for the shoddy fake ID card makers. Nonetheless, with enough effort, makers of these ID cards can make cards that can make even the stringiest security checks and bouncers.
Acquiring a fake ID card may require the user to part with a considerable amount of their hard-earned money. This is the reason why 21overnight was started. The site is empowering fake ID card users to make their cards. As mentioned, users can edit their fake ID cards with care and effort. However, they need to be well-guided in the process. The idea is to make a card that passes scannable stops that is identical to the state’s original CARDS. However, even as fake id card users edit their cards, they must know that their cards must have the security features of the state it is used in.
Every state in America and other countries has identification security marks on their id cards. Therefore, depending on the jurisdiction in which the fake id card is intended to be sued, it must mirror the security details of the host country or state. Security checks are very serious with identity cards. The evolution of technology has even given them more ability to scan and verify ide cards than before. Therefore a shoddy fake id card cannot go through a simple security checkup with the modern equipment to check ID cards.
21Overnight is a one-stop for the editing services of fake ID cards. The site offers guidelines on the security details required in id cards for the states of America. Therefore the user must ensure that they have everything detailed for their state before printing the edited fake id cards as guided by the 21Overnight. On the site, the users are informed on how to edit a fake ID card template to make a fake one. Additionally, the 21Overnightsite offers templates for use. Therefore, the user only needs to be keen on editing to finish setting up the fake id card.
Moreover, besides the printing part, most id cards are printed on special paper. Therefore, the user must know the type of material used to print the ID card in their state or country before making the printout. One of the common areas where most fake id card editors need help is the photo. Choosing the right photo is a critical process in fake id card making. Therefore even a super good fake id card can fail at the photo. The 21Overnight guides the editors of fake Id cards on the type of photo they need to choose. Therefore if the user is keen enough, they can choose a photo that goes through even the strictest tests by the security apparatus. Additionally, the user must ensure that the inking during printing is identical to the original intended cards of the jurisdiction.
The Cost Benefits of Using Paper Tubes in Construction
Paper tubes have become increasingly popular in the construction industry due to their cost-efficiency, environmental sustainability, and many other benefits. From construction projects small and large, paper tubes have been used to provide structural support, insulation, and protection for materials. This article will explore the advantages of using paper tubes in construction, including cost and environmental benefits.
Overview of Paper Tubes and Their Use in Construction
Paper tubes are cylindrical cardboard containers that are used in construction projects to provide structural support and insulation. They are made from recycled paper products, making them an environmentally friendly alternative to traditional building materials. For quality paper tubes for construction work check singchai.co. Paper tubes are also lightweight, cost-effective, and easy to install. They can be used in a wide variety of construction applications, including roofing, wall insulation, and building foundations.
Advantages of Using Paper Tubes in Construction
The use of paper tubes in construction offers many advantages over traditional building materials. Paper tubes are lightweight and easy to transport. They can be quickly and easily installed on-site. This saves time and money on labor costs, as well as reduces the amount of material waste that would normally be generated from larger construction projects.
Cost Benefits of Using Paper Tubes in Construction
Using paper tubes in construction also offers significant cost benefits. The cost of raw materials for paper tubes is significantly lower than other building materials, such as steel or concrete. Paper tubes are also cheaper to transport and install than traditional materials, making them a cost-effective alternative. Additionally, the lightweight nature of paper tubes reduces the amount of labor required for installation, leading to further cost savings.
Due to their low material cost, paper tubes are an economical option for construction projects. Additionally, due to their small size and easy assembly, they require less labor than other construction materials, resulting in lower labor costs. Furthermore, since paper tubes are made from recycled materials, there is a reduced amount of waste generated.
Environmental Benefits of Using Paper Tubes in Construction
Using paper tubes in construction also offers environmental benefits. Paper tubes are made from recycled paper products, making them an eco-friendly alternative to traditional materials. They also produce less waste than other materials, as they require less energy to transport and install. In addition, paper tubes are recyclable, so they can be reused after their initial use in construction projects.
Paper tubes have become increasingly popular in the construction industry due to their cost-efficiency, environmental sustainability, and many other benefits. From construction projects small and large, paper tubes have been used to provide structural support, insulation, and protection for materials. This article has explored the advantages of using paper tubes in construction, including cost and environmental benefits.
By using paper tubes, construction projects can save money, reduce waste, and minimize their environmental impact. Additionally, paper tubes are recyclable, so they can be reused after their initial use in construction projects. Further research is needed to better understand the potential for paper tubes to be used in large-scale construction projects.
Best practices of employee digital onboarding
In a world where technologies are more advanced than ever, staff onboarding has to keep up. As new employees join companies, it’s important to make sure they have the right tools and training in order to be successful. That’s where digital onboarding comes in.
Digital onboarding is a comprehensive solution that helps employees understand the company culture, goals, and processes. It also makes sure they have access to all the information they need to start doing their job effectively. In this blog post, we’ll discuss some of the best practices of employee digital onboarding so you can ensure your team is set up for success.
What is digital onboarding?
Digital onboarding is the process of orienting and acclimating new employees to their roles using digital tools. This can include everything from providing new hires with an online orientation program to setting up their email accounts and workstations.
The goal of digital onboarding is to help new employees hit the ground running and be productive members of the team as quickly as possible. By providing new hires with all the information they need to do their job, digital onboarding can help reduce training time and costs, and improve employee satisfaction and retention.
When done well, digital onboarding can provide a great first impression of the company and set new hires up for success. Here are some best practices for creating a successful digital onboarding experience:
- Start with an online orientation program: New hires should have access to an online orientation program that covers the basics of the company, their role, and what they can expect in their first few weeks on the job. This will ensure that everyone is on the same page from day one.
- Set up email accounts and workstations ahead of time: One of the most frustrating things for new hires is starting their first day only to find that their email account isn’t working or their workstation isn’t set up properly. To avoid this, set up email accounts and workstations ahead of time so that everything is ready to go on day one.
Onboarding best practices for remote employees
The process of best practices for remote onboarding involves the use of technology instead of in person to conduct onboarding. As a result, new hires do not receive a physical welcome, no face-to-face orientation, or interaction with managers. He will have to learn new software and technology on their own.
As a result, human resource teams around the world are still trying to figure out how to smoothly onboard new employees. Companies can benefit from developing such onboarding programs that are tailored to current times and technology. Here are some of the best practices they can follow:
The benefits of digital onboarding
Digital onboarding is an important part of the employee experience. By providing a digital onboarding program, you can help your employees transition into their new roles more effectively and efficiently. Here are some benefits of digital onboarding:
- Increased Engagement and Retention
When employees are engaged in their work from the start, they are more likely to stick around. A digital onboarding program can help ensure that your employees are engaged in their work from day one by providing them with the resources they need to be successful.
- Improved Communication
A digital onboarding program can improve communication between you and your employees. By providing a central place for all communications, you can ensure that everyone is on the same page and that no information is lost in translation.
- Greater Efficiency
A digital onboarding program can help you save time and money by streamlining the onboarding process. By using technology to automate tasks and provide information electronically, you can avoid paper waste and reduce the amount of time spent on administrative tasks.
The best practices of digital onboarding
Digital onboarding is the process of bringing new employees into an organization using technology. It can be used to orient employees to the company culture, values, and expectations, as well as provide them with the tools and resources they need to be successful in their new role.
There are a number of best practices that organizations can follow to ensure a successful digital onboarding experience for their employees:
- Set clear expectations from the start
Be sure to communicate what is expected of employees during the onboarding process. This will help set the tone for the rest of their time with the company and ensure that they understand what is expected of them.
- Use engaging and interactive content
Make sure that the content you use during digital onboarding is engaging and interactive. This will help keep employees engaged in the process and ensure that they are learning what they need to know.
- Personalize the experience
Personalizing the digital onboarding experience for each employee will help them feel welcomed and valued by your organization. This can be done by tailoring content to each individual’s needs or providing a personal touch through things like welcome videos from senior leaders.
How to create a successful digital onboarding strategy
A successful digital onboarding strategy should focus on creating a smooth and efficient transition for new hires. The goal is to help them feel comfortable and confident with the company’s culture, values, and expectations. While every organization is different, there are some general best practices that can be followed to create a successful digital onboarding strategy:
- Define the goals and objectives of the onboarding process. What do you want new hires to accomplish during their first few weeks or months? Be sure to involve stakeholders from various departments in this step so that everyone is on the same page.
- Create a timeline for the onboarding process. This will ensure that each task is completed in a timely manner and that no steps are missed.
- Develop engaging and informative content. New hires should have access to all the information they need to be successful in their role. This could include job descriptions, company policies, training materials, etc.
- Utilize technology to your advantage. There are many great tools out there that can help with communication, collaboration, and storing documents/information. Choose ones that will work best for your organization and make sure they are user-friendly for new hires.
- Personalize the experience as much as possible. Consider using greeting cards, welcome videos from senior leadership, or having someone from HR reach out personally to each new hire before their start date. These small touches can go a long way in making someone
Case studies of successful digital onboarding
Digital onboarding is the process of using technology to orient and onboard new employees. By automating and digitizing onboarding processes, organizations can improve efficiencies and reduce the burden on HR staff. Additionally, digital onboarding can help to standardize and streamline the employee experience, making it simpler and more efficient for new hires to get up to speed with their new roles.
There are a number of different ways that organizations can approach digital onboarding, and there is no one-size-fits-all solution. However, there are some best practices that can be followed to ensure a successful digital onboarding experience for both HR and new employees.
One important best practice is to ensure that all critical information is easily accessible online. This includes things like job descriptions, company policies, and training materials. Making this information readily available will save time for both HR and new employees during the onboarding process.
Another best practice is to use technology to automate as much of the onboarding process as possible. Automating tasks like email setup, password creation, and employee profile creation can save time and hassle for both HR staff and new hires. Additionally, consider using technology to create a centralized repository for all of your organization’s onboarding documents and materials. This will make it easy for everyone involved in the process to access the information they need, when they need it.
In light of our discussion, It is clear to us that digital onboarding is an important step in the employee lifecycle and can be a powerful tool for helping new hires become productive quickly. By investing in the right tools, processes and training, you can ensure that your organization is taking full advantage of this practice to create a welcoming environment where employees feel supported. To achieve optimal results with digital onboarding, it’s essential to implement best practices such as providing comprehensive information about the job duties and expectations, setting up clear communication channels between managers and employees, establishing goals for each role and regularly measuring progress. With these tips in mind, you will be able to create an effective employee digital onboarding program that helps new hires get up-to-speed quickly while also making them feel valued.
How To Create A Positive Financial Future For Yourself
If you’re like most people, you work, pay bills, try to save, and hope for an early retirement. But if you’re strategic about it, you could accelerate your retirement with good planning and disciplined investing.
There are many ways to improve your financial stakes, from increasing your income to lowering your expenses. But the most important thing you can do is to have investments that make you money while you’re still working and long after you retire.
To steadily grow your wealth isn’t a thing that just happens. It’s a strategy and discipline that impacts all aspects of your life.
Take consumer spending, for example. According to the Bureau of Labor Statistics, the average household spends nearly 75% of its household income on rent, food, energy, heating, and consumer goods.
So that means if you’re making nearly $80,000 as a household, you’re spending upwards of $60,000 to get by and live a comfortable life.
Suppose you want to accelerate your retirement and look to live comfortably in your later years. In that case, you’ll need to create a budget, including cost-of-living increases, decrease expenditures and discretionary spending, and create an investment portfolio that makes passive income over the length of the investments.
Create A Budget
The first step in shaping your financial future is to create a realistic budget that covers all your bills and also has room to allow you to save toward your goals.
When creating your budget, consider your family size, your immediate and future needs, and any short-term bills you need to pay off, like your credit cards or car loans.
Also, a problem most people face is that they don’t budget for cost-of-living increases, which will cut severely into any budget.
You can’t control the costs of things or the inflation rate, but you can add 10-15% on top of your budget to have a “rainy-day” fund that will cover living costs as they happen.
Budgeting does two things for you. First, it sets the expectations for income and expenses so that you’re operating within specific boundaries. Second, it shows you the expected amount you’ll need to get by for now and into retirement.
For example, if you have a mortgage payment and have 15 more years on it, then by budgeting, you establish expectations of what you will need to cover for the remaining terms of the loan.
This approach creates discipline in your spending and provides room for your budget after completing the loan.
On top of creating a budget, finding and eliminating unnecessary and costly expenditures is your next step toward creating a good financial foundation to prepare you for retirement.
Cost-cutting measures don’t need to be draconian. You just want to cut back and find room to save with simple things like;
- Cancel unnecessary subscriptions
- Avoid impulse buys
- Limit your credit card use
- Automate payments as needed
- Use loyalty points and sales to save money
Any effort to decrease your spending should be matched with increased income so that you double your savings opportunities. Consider a second job, a side hustle, or, most importantly, investing in things that will provide you with residual, passive income.
In part, developing a smart financial strategy is understanding your costs and revenue (budget), increasing income opportunities while lowering costs (decreasing expenditures), and making wise investments that make residuals on the side.
There are a few different ways to make wise investments that make you money on the side. Traditional ROTH 401(k)s are one of the most common ways, but plenty of alternative options are available.
One of the better ways to make a residual income is through real estate. Real estate is an investment that typically appreciates in time at faster and higher rates than inflation or cost-of-living, and if done correctly, can make residuals as well.
Rentals are the primary way investors can make money on their investment, but it comes with some risk. For example, there are maintenance costs, management costs, and vacancy possibilities where there won’t be a tenant and thus no income.
Another real estate option is to look at buying and selling property at the higher end, known as the luxury market.
Luxury markets in real estate are defined as having an expensive price tag, highly desirable location, large size, valuable materials, expert design, high-end amenities, or a prestigious history.
Unlike other real estate markets, the luxury market isn’t impacted by inflation since the consumers are typically high-wage earners with available assets to offset lending costs, making ownership in luxury markets an intelligent investment.
You can look for luxury opportunities by contacting local brokers and agents that specialize in the luxury market, or you can conduct your own Google search with search parameters like;
- Luxury apartments in New York
- Luxury Bahamas real estate guide
- Los Angeles Vacation Homes
- Luxury Homes In California
- Luxury Rentals in Texas
The luxury market will continue to appreciate, and with inflation impacting the lending markets, high-wage earners are better poised to act on purchase decisions as home prices are slowing down, making these types of investments more attractive.
Setting a course toward a better financial foundation prepares you for a life of retirement.
Being strategic, disciplined, and aggressive will allow you to achieve your goals sooner than if you didn’t have a plan, so get started today.
- auto (154)
- business (3,159)
- CBD (187)
- Education (505)
- fashion (402)
- finance (10)
- Food (188)
- games (353)
- health (1,355)
- home (683)
- How To (485)
- Latest News (5,691)
- Law (329)
- life style (929)
- Money & Market (237)
- music (16)
- New in Tech (1,874)
- PCNOK (1)
- People interest (286)
- pet (80)
- sports (198)
- Travel (341)
Latest News10 months ago
Finding the Best VPS Hosting for WordPress 2020
Latest News9 months ago
दिल दहला देनी वाली खबर महिला ने भरे बाजार में पिया जहर साथ में बच्चे को भी दिया
Latest News2 months ago
Why You Should Invest in an Expense Management Software
CBD1 year ago
How To Get a License To Grow Cannabis in Arizona
auto11 months ago
Mac VPN: How it Improves Security
business6 months ago
Turning Invoices To Cash, 1st Capital Service Offers Stability And Assurance For Invoice Factoring Services
Latest News6 months ago
What are the best Balloons of 2022?
Latest News10 months ago
De Giro Stock Exchange Brokers And The Giro Eft