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Problems of Shariah Governance Framework and Different Bodies: An Empirical Investigation of Islamic Banks in Bangladesh

  • ALAM, Md. Kausar;MUSTAFA, Hasri;UDDIN, Md. Salah;ISLAM, Md. Jahirul;MOHUA, Marjea Jannat;HASSAN, Md. Farjin
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.3
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    • pp.265-276
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    • 2020
  • The study aims to explore the problems of the existing Shariah Governance Framework (SGF) and its concerned authorities in the context of Bangladesh. Thus, according to responses from 17 respondents, this study outlines that Bangladesh has an absence of a shortage of experts, experienced, knowledgeable, and qualified Shariah people at all levels (i.e., the central bank, Islamic banks, Shariah Supervisory Boards (SSBs), and regulators). Therefore, Bangladesh does not have a separate Islamic banking act, Shariah audit firm, Shariah index institutions, and comprehensive SGF. The existing guideline has a limitation concerning its comprehensiveness, accountability, responsibility, and structure of SSBs. Islamic banks do not follow the instruction of the central bank in the formation of SSBs. As a result, there is an absence of competent and qualified SSB, which also results in the functions of Shariah departments as well as Shariah applications. Usually, the Board of Directors (BOD), management, executives, customers, and the public also have the conceptual gap about Islamic banks, SGF, and banking system compared to the regular prayers, faith, and belief. Concisely, Bangladesh requisites a comprehensive SGF, Islamic banking act, a standard accounting system, and a robust Shariah audit system for the overall development of Islamic banks and SGF.

Determinants of Actual Purchase on m-commerce Sites vs. Determinants of Satisfaction with m-commerce Sites (스마트폰을 활용한 모바일 커머스에서의 실제 구매행동과 만족도의 결정변수 비교)

  • Yang, Su Jin;Lee, Yun Jung
    • The Journal of the Korea Contents Association
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    • v.16 no.6
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    • pp.236-247
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    • 2016
  • Considering the prevalent use of mobile devices and the mobile Internet in Korea, there should be open doors for retailers to a different type of distribution if they could find out what makes consumers satisfied with m-commerce sites as well as what makes consumers purchase from m-commerce sites. Therefore, we explored: 1) the antecedents of satisfaction with m-commerce sites and 2) the determinants of purchasers vs. browsers of m-commerce. As possible antecedents of the two dependent variables, the following were utilized in the current study: the Technology Acceptance Model (TAM), perceived shopping values, and interactivity. According to the results of this study, these variables related to the performance of mobile commerce sites (Perceived ease of use, Perceived usefulness, Synchronicity, Richness of content, and Contextual services) significantly affected satisfaction with m-commerce sites. On the other hand, the most important discriminator of an m-commerce purchaser vs. a browser was human-oriented interactivity, especially interpersonal communication among users. With the help of information technology.

Analysis of the English Textbooks in North Korean First Middle School (북한 제1중학교 영어교과서 분석)

  • Hwang, Seo-yeon;Kim, Jeong-ryeol
    • The Journal of the Korea Contents Association
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    • v.17 no.11
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    • pp.242-251
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    • 2017
  • For the purposes of this research, a corpus of words was created from the English textbooks of the "First Middle School" for the gifted in North Korea, and using the corpus, their linguistic characteristics were analyzed. Although there have been many studies that identified the traits of English textbooks in the North Korea's general middle school, not much focus has been placed on the English textbooks used at North Korea's First Middle School. Initially, the structure of English textbooks of the first, second, fourth, and sixth grades that had been procured from the Information Center on North Korea was reviewed, after which their corpus was created. Then, by using Wordsmith Tools 7.0, linguistic properties and high frequency content words appeared in the English textbook of the first grade were analyzed specifically. Basic statistical data gathered indicated that while the number of vocabulary did not increase as students progress through the grades, the words used tended to diversify incrementally. In the mean time, a distribution of the high frequency content words by grade illustrated that a big difference was found between the content words used in the English texts of each grade, and it was a subject matter of the texts that determined such difference.

A Feature of Tidal Tails around Selective Globular Clusters in the Galactic Halo and Bulge

  • Chun, Sang-Hyun;Jung, Mi-Young;Han, Mi-Hwa;Chang, Cho-Rhong;Sohn, Young-Jong
    • Bulletin of the Korean Space Science Society
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    • 2008.10a
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    • pp.38.1-38.1
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    • 2008
  • Tides caused by the Galactic gravitational field affect the current dynamical structure of globular clusters in the Galaxy. Indeed, the observed feature of tidal tails stretching beyond globular clusters' tidal radii provides a key information of interaction with the gravitational field of the Galaxy and kinematical orbit of the clusters, which can be an evidence of the merging scenario of the Galaxy formation and evolution. To find such a tidal feature, we have studied spatial density distribution of stars around five globular clusters in the Galactic halo and one cluster in the Galactic bulge, for which we have used wide-field deep photometric data of gri and JHK bands obtained from the MegaCam and WIRCam of the CFHT. Applying the statistical contrast filtering of field stars in the color-magnitude plane of detected stars around five halo clusters, we have found features of tidal tails for four clusters M53, M15, NGC 5053, and NGC 5466. The detected over-density tidal features are well aligned with the cluster's orbits and stretched into the direction of the Galactic center. Statistical analysis indicate that these tidal tails are believed to be cluster stars that have escaped due to the tidal effects to the clusters. A similar tidal feature to that of halo clusters is also detected for the bulge cluster NGC 6626, while the over-density feature seems to be extended into the Galactic plane rather than into the orbital direction and the Galactic center. Conclusively, our result adds further observational evidence of the merging scenario of the Galaxy formation and evolution.

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Surface Curvature Based 3D Pace Image Recognition Using Depth Weighted Hausdorff Distance (표면 곡률을 이용하여 깊이 가중치 Hausdorff 거리를 적용한 3차원 얼굴 영상 인식)

  • Lee Yeung hak;Shim Jae chang
    • Journal of Korea Multimedia Society
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    • v.8 no.1
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    • pp.34-45
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    • 2005
  • In this paper, a novel implementation of a person verification system based on depth-weighted Hausdorff distance (DWHD) using the surface curvature of the face is proposed. The definition of Hausdorff distance is a measure of the correspondence of two point sets. The approach works by finding the nose tip that has a protrusion shape on the face. In feature recognition of 3D face image, one has to take into consideration the orientated frontal posture to normalize after extracting face area from original image. The binary images are extracted by using the threshold values for the curvature value of surface for the person which has differential depth and surface characteristic information. The proposed DWHD measure for comparing two pixel sets were used, because it is simple and robust. In the experimental results, the minimum curvature which has low pixel distribution achieves recognition rate of 98% among the proposed methods.

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Critical Path Analysis for Codesign of Public Key Crypto-Systems (공개키 연산기의 효율적인 통합 설계를 위한 임계 경로 분석)

  • Lee Wan bok;Roh Chang hyun;Ryu Dae hyun
    • Journal of Korea Multimedia Society
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    • v.8 no.1
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    • pp.79-87
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    • 2005
  • In e-commerce applications, a public key cryptosystem is an important and indispensible element for the basic security operations such as authentication, digital signaturing, and key distribution. In wired network environments, the public key infrastructure certificate, which is based on X.509 specification, has been widely used. On the other hand, it still remains difficult to use the certificate information in wireless network environments due to the inherent limitations of the hand-held devices such as low computational power and short battery life. In this paper, we facilitate a codesign approach by implementing a software public-key cryptosystem and classifying its internal computation overheads quantitatively using a software profiling technique. Moreover, we propose a method to analyze the profiled data and apply it to the problem of software/hardware partitioning in a codesign approach. As an illustrative example, we analyze the computational overheads of an EC-Elfagamal application and examine a critical computational path.

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Design and Implementation of Malicious URL Prediction System based on Multiple Machine Learning Algorithms (다중 머신러닝 알고리즘을 이용한 악성 URL 예측 시스템 설계 및 구현)

  • Kang, Hong Koo;Shin, Sam Shin;Kim, Dae Yeob;Park, Soon Tai
    • Journal of Korea Multimedia Society
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    • v.23 no.11
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    • pp.1396-1405
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    • 2020
  • Cyber threats such as forced personal information collection and distribution of malicious codes using malicious URLs continue to occur. In order to cope with such cyber threats, a security technologies that quickly detects malicious URLs and prevents damage are required. In a web environment, malicious URLs have various forms and are created and deleted from time to time, so there is a limit to the response as a method of detecting or filtering by signature matching. Recently, researches on detecting and predicting malicious URLs using machine learning techniques have been actively conducted. Existing studies have proposed various features and machine learning algorithms for predicting malicious URLs, but most of them are only suggesting specialized algorithms by supplementing features and preprocessing, so it is difficult to sufficiently reflect the strengths of various machine learning algorithms. In this paper, a system for predicting malicious URLs using multiple machine learning algorithms was proposed, and an experiment was performed to combine the prediction results of multiple machine learning models to increase the accuracy of predicting malicious URLs. Through experiments, it was proved that the combination of multiple models is useful in improving the prediction performance compared to a single model.

Studies of Nutrent Intake and Serum Lipids Level in Adult Women in Taegu (대구지역 성인여성의 영양섭취 상태와 혈청지질에 관한 연구)

  • 최미자
    • Journal of Nutrition and Health
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    • v.31 no.4
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    • pp.777-786
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    • 1998
  • The purpose of this study to investigate the relationship between nutrient intake and serum lipid levels in 165 healthy women in Taegu. A convenient method was to assess nutritional intake. Anthropometric measurement of body weight and height were measured and average energy expenditure calculated . The mean body mass index (BMI) was 23.4$\pm$3.1 and it was higher than the mean BMI of Korean women. Obesity rates for the study subjects were 15.7% by RBW (relative body weight : >120%) and 28.5% by BMI(body mass index) ; >25). Daily energy intake was sufficient at 106% of recommended dietary allowances and the energy percentage ration of carbohydrate , fat and protein was 68 : 18 : 14. Mean intake of vitamin A, B1 , niacin , and Ca were higher than RDA. The incidence of hypertension(>140mmHg) and hypercholoesterolemia(>240mg/dl) as 18.2% and 23.6% of the subjects, respectively . Postmenopasusal women showed significantly higher blood pressure, RBW, and ALP (alkaline phosphatase) than premenopausal women. The concentration of cholesterol and average blood pressure in the irregular meal eater group were significantly higher than in the regular meal eater group. Skipping meals and unenvendurnal distribution(no breakfast, or no lunch , and large evening meals) are associated with high total cholesterol level in this population . Especially, the atherogenic index was significantly lower in the regular meal eater group than that in irregular meal eaters. The values for serum cholesterol, triglyceride, blood pressure, BMI, and atherogenic index increased with age in middle-aged women. There was a highly significant correlation between body weight and plasma lipids. HDL -cholesterol was inversely correlated with BMI. The above dta provides valuable information for community program planning and health providers who work with individual female and adults to meet their nutrietional needs to control blood lipids.

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A Study on the relations between change of productivity and conversion factor of the Accredited Hospitals based on Malmquist index (Malmquist 지수에 기초한 의료기관평가 대상 병원의 생산성 변동과 환산지수 변동에 관한 연구)

  • O, Dong-Il
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.12 no.1
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    • pp.125-137
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    • 2011
  • This study aims to know whether the Accreditation of Hospitals can help to improve productivity of hospital and affect the conversion factor. Based on the Malmquist productivity Index, the productivity of accredited hospital improves. There exists an tendency that as the scores of Accreditation rises, productivity increases. Also the higher the productivity, the lower the conversion factors in the rigid statistical evidence. This evidence is independent of hospital classification, geographical distribution, grouping. This evidence supports the productivity index can be included in the fee negotiations. It also means that rather than static efficiency, the multi-year change of productivity information can be usefully combined to set a conversion factor in Korean National Insurance Contract especially in the discussion of the structural change of payment system.

A Real-Time Monitoring Method and Dynamic Load-Balancing Metrics for CORBA Applications (코바 어플리케이션의 동적 부하 분산을 위한 실시간 모니터링 기법 및 메트릭스)

  • Choi, Chang-Ho;Kim, Soo-Dong
    • Journal of KIISE:Software and Applications
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    • v.27 no.4
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    • pp.315-326
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    • 2000
  • As Internet is being widely used as an infra of distributed applications, the most of today's softwares are changing into Internet-based distributed applications. The development methods using the middleware, like CORBA ORB, make the development of the web-based software easy. However, the performance verification method useful for an optimized software distribution is not provided at software development. Additionally, monitoring methods and metrics for dynamic load-balancing are not presented at run-time. This paper presents the method to monitor the message between objects, load metric, and metrics for load-balancing. To calculate a load of a node, we define events occurred between applications, time between the events, then extract the data related to a load. And we derive formula calculating the load from the extracted data. Then using the formula, we present the metrics for dynamic load-balancing. Moreover, we observe the utilization and efficiency of the monitoring algorithm, load metric, and load-balancing metrics.

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