The potentials of internalising social banking among the Malaysian Islamic banks

Islamic banking has established for the last 40 years, yet only recently researchers acknowledge social failures of Islamic banking and finance. This has led to a proposition of forming new forms of banking and non-banking institutions that include social banking. It is argued that in considering the developmentalist needs of the Muslim societies in Malaysia, there is a need to go back to fundamentals of Islamic finance in realising the aspirational Islamic moral economy that emphasises on the social good, capacity development at the individual and social levels. This paper aims to explore the concept of social banking and search for the possibilities for internalisation in Malaysian Islamic banking. To gain understanding on this pertinent issue, an empirical investigation was conducted at 17 Islamic banks in Malaysia. A mixed method was employed. For the primary data collection, 477 respondents of Islamic banks clients and employees participated in a self-administrated survey, and 11 respondents from the executive and managerial level of eight Islamic banks involved in a semi-structured interview survey. The integrated analysis implies that Islamic banking significantly contributes to socio-economic development. On the contrary, financial and economic practices in everyday life do not reflect the social economic justice. The result further illustrates that the Islamic banks lack social contributions as they prone to practice efficiency-oriented institutions. Hence, a social banking model is needed to solve the lack of socio-economic development issue in the current practice of Islamic bank.     

Developing a SINTACS-based method to map groundwater multi-pollutant vulnerability using evolutionary algorithms

Environmental Science and Pollution Research - In this study, the modified SINTACS method, a rating-based groundwater vulnerability approach, was applied to data from the Campanian Plain, southern...     

Spatial Validation of Land Use Change Models Using Multiple Assessment Techniques: A Case Study of Transition Potential Models

Using land use and cover change (LUCC) models for the urban growth planning, environmental assessment, and decision-making needs the establishment of an appropriate level of confidence in their performance. The objective of this research is to explore the importance of using multiple assessment techniques in order to fairly evaluate the performance of land use models. An application is conducted by using the Land Change Modeler for Ecological Sustainability (LCM) which is an empirical and transition potential model. LCM is applied to model the agricultural to developed areas transition in Rennes metropolitan area (France). The land demand is estimated using the Markov Chain model; whereas, the transition potential map is implemented using the Multi-Layer Perceptron Neural Network (MLP) method based on historical changes and driving variables. The model performance is assessed based on a variety of the most commonly used validation techniques. At the study area level, the correctness and disagreement analysis shows that LCM performs better at predicting the amount than the allocation of developed areas. Additionally, landscape metrics reveal that LCM tends to predict a fragmented urban form, which seems evident because of the large number of the individual urban patches. At the municipality level, the error budget analysis shows that the model performance, which varies highly between different subareas, needs to be improved. Moreover, the cross-tabulation between the transition potential map and both the observed and the predicted agricultural to developed areas transitions reveals that the order of the transition potential values does not perfectly fit the observed change; whereas, the predicted change is not solely limited to areas with high potential.     

Spatial and temporal variability of fluoride concentrations in groundwater resources of Larestan and Gerash regions in Iran from 2003 to 2010

Environmental Geochemistry and Health - There is discrepancy about intervals of fluoride monitoring in groundwater resources by Iranian authorities. Spatial and temporal variability of fluoride in...     

The status of heavy metal levels in a Ramsar site,Kuala Gula bird sanctuary: the impact of the anthropogenic inputs

Distributions of Cd, Cu, Pb, and Zn in the surface sediments from two sites of the Kuala Gula Bird Sanctuary, Malaysia were monitored for a period of 6 months from October 2006 to March 2007. In December 2006, the concentration of Zn in one location was significantly (p??1) than the other metals at both sites, but in the oxidizable organic fraction it was highest at both sites during October; with mean concentrations of 18?mg?kg^?1 at both locations. In the acid-reducible fraction, high concentrations of Pb (2.3?mg?kg^?1) were detected at station 2 in February 2007, being highest among all four metals at both stations. The acid-reducible fraction found in Pb ranged from 0.10% to 3.1% in both stations. Percentages ranging from 51% to 96% were observed for all four metals in the resistant fraction throughout the sampling period. These results indicate low contributions from anthropogenic sources. The findings constitute a baseline data archive for future reference.     

Physico‐mechanical and Flammability Properties of Cyrtostachys renda Fibers Reinforced Phenolic Resin Bio-composites

Journal of Polymers and the Environment - The aim of this study is to investigate the effect of fiber length and loading on physico-mechanical and flammability properties of Cyrtostachys renda (CR)...     

Relative salinity tolerance of warm season turfgrass species

Fresh water, coupled with soil salinization in many areas has resulted in an increased need forscreening of salt tolerant turf grasses. Relative salinity tolerance of eightwarm season turfgrass species were examined in this study in sand culture. Grasses were grown in a glasshouse, irrigated with either distilled water or saline sea water adjusted to 24, 48 or 72 dSm-1. Salt tolerances of the grasses were assessed on the basis of their shoot and root growth, leaf firing and turf quality. Regression analysis indicated that Zoysiajaponica (Japanese lawn grass) (JG), Stenotaphrum secundatum (St. Augustine) (SA), Cynodon dactylon (satiri) (BS), Zoysia teneuifolia (Korean grass) (KG), Digitaria didactyla (Serangoon grass) (SG), Cynodon dactylon (Tifdwarf) (TD), Paspalum notatum (Bahia grass) (BG) and Axonopus compressus(Pearl blue) (PB) suffered a 50% shoot growth reduction at 36.0, 31.8, 30.9, 28.4, 26.4, 25.7, 20.0 and 18.6 dSm1 of salinity, respectively and a root growth reduction at44.9, 43.7, 33.4, 31.0, 29.5 27.5, 21.5 and 21.4 dSm- of salinity, respectively. Leaf firing and turf quality of the selected species, as a whole, were also found to be affected harmoniously with the change in root and shoot growth. On the basis of the experimental results the selected species were ranked for salinity tolerance as JG>SA>BS>KG>SG >TD>BG>PB.     

CLIMATOLOGICAL WATERSHED CALIBRATION1

ABSTRACT: This study tests the hypothesis that climatic data can be used to develop a watershed model so that stream flow changes following forest harvest can be determined. Measured independent variables were precipitation, daily maximum and minimum temperature, and concurrent relative humidity. Computed variables were humidity deficit, saturated vapor pressure, and ambient vapor pressure. These climatic variables were combined to compute a monthly evaporation index. Finally, the evaporation index and monthly precipitation were regressed with measured monthly stream flow and the monthly estimates of stream flow were combined for the hydrologic year. A regression of predicted versus measured annual stream flow had a standard error of 1.5 inches (within 6.1 percent of the measured value). When 10, 15, and 20 years of data were used to develop the regression equations, predicted minus measured stream flow for the last 7 years of record (1972–1978) were within 16.8, 11.5, and 9.7 percent of the measured mean, respectively. Although single watershed calibration can be used in special conditions, the paired watershed approach is expected to remain the preferred method for determining the effects of forest management on the water resource.     

Degradation of poly(3-hydroxybutyrate), PHB,by bacteria and purification of a novel PHB depolymerase fromComamonas sp.

Bacteria capable of growing on poly(3-hydroxybutyrate), PHB, as the sole source of carbon and energy were isolated from various soils, lake water, activated sludge, and air. Although all bacteria utilized a wide variety of monomeric substrates for growth, most of the strains were restricted to degrade PHB and copolymers of 3-hydroxybutyrate and 3-hydroxyvalerate, P(3HB-co-3HV). Five strains were also able to decompose a homopolymer of 3-hydroxyvalerate, PHV. Poly(3-hydroxyoctanoate), PHO, was not degraded by any of the isolates. One strain, which was identified asComamonas sp., was selected, and the extracellular depolymerase of this strain was purified from the medium by ammonium sulfate precipitation and by chromatography on DEAE-Sephacel and Butyl-Sepharose 4B. The purified PHB depolymerase was not a glycoprotein. The relative molecular masses of the native enzyme and of the subunits were 45,000 or 44,000, respectively. The purified enzyme hydrolyzed PHB, P(3HB-co-3HV), and—at a very low rate—also PHV. Polyhydroxyalkanoates, PHA, with six or more carbon atoms per monomer or characteristic substrates for lipases were not hydrolyzed. In contrast to the PHB depolymerases ofPseudomonas lemoignei andAlcaligenes faecalis T₁, which are sensitive toward phenylmethylsulfonyl fluoride (PMSF) and which hydrolyze PHB mainly to the dimeric and trimeric esters of 3-hydroxybutyrate, the depolymerase ofComamonas sp. was insensitive toward PMSF and hydrolyzed PHB to monomeric 3-hydroxybutyrate indicating a different mechanism of PHB hydrolysis. Furthermore, the pH optimum of the reaction catalyzed by the depolymerase ofComamonas sp. was in the alkaline range at 9.4.