80 research outputs found
Cara Penyelesaian Kelalaian Dan Wanprestasi Pada Program Tabungan Pendidikan Mitra Iqra’ (Studi Kasus Di Ajb Bumiputera 1912 Divisi Syariah Jember 2010)
Full text linkProduk yang paling rentan akan resiko terjadinya kelalaian dan wanprestasi adalah produk yang paling banyak nasabahnya, yaitu Program Tabungan Pendidikan Mitra Iqra’. Hal ini bedasarkan data dari Buku Produksi 2010 AJB Bumiputera 1912 Divisi Syariah Jember dan interview dengan Supervisor AJB Bumiputera 1912 Divisi Syariah Jember Tanggal 21 Desember 2010, yang menyatakan; Dari 58 orang jumlah total peserta yang menfatar pada tahun 2010 di Program Tabungan Pendidikan Mitra Iqra’, 20% pernah lalai dalam membayar premi dan 2% pernah melakukan wanprestasi. Adanya kelalaian sebesar 20% dan wanprestasi 2%, membuat peneliti tertarik untuk mengkaji fenomena tersebut. Fokus penelitian adalah: Bagaimana cara penyelesaian kelalaian dan wanprestasi pada Program Tabungan Pendidikan Mitra Iqra’ di AJB Bumiputera 1912 Divisi Syariah Jember. Untuk sub pokok masalahnya adalah; a). Faktor-faktor apa yang menyebabkan terjadinya kelalaian dan wanprestasi pada Program Tabungan Pendidikan Mitra Iqra’?, b). Bagaimana somasi di Program Tabungan Pendidikan Mitra Iqra’ ketika shahibul mal lalai?, c). Bagaimana cara penyelesaian wanprestasi pada Program Tabungan Pendidikan Mitra Iqra’?. Metode penelitian dengan pendekatan kualitatif, dan metode penentuan informannya menggunakan purposive sampling, metode pengumpulan data meliputi metode interview, observasi, dan dokumentasi. Adapun metode analisa datanya adalah induktif, untuk mengetahui hasil penelitian berdasarkan data terkumpul yang dicari secara berulang-ulang. Sedangkan keabsahan datanya menggunakan metode triangulasi sumber, yaitu membandingkan dan mengecek data yang diperoleh melalui beberapa sumber. Dari hasil penelitian yang didapat dari teori dan masalah dilapangan, maka dapat disimpulkan bahwa: Ketika Peserta/Pemegang Polis lalai, maka badan (pihak asuransi) mensomasi yang bersangkutan sebanyak tiga kali selama masa grace period. Kemudian ketika peserta/pemegang polis masih belum membayar seletah melewati masa leluasa/grace period, maka yang bersangkutan dinyatakan wanprestasi dan badan (pihak asuransi) akan melakukan tindakan sesuai dengan pasal-pasal yang tertulis di Syarat-syarat Umum Polis Asuransi Jiwa Syariah AJB Bumiputera 1912
Theory of Optimal Taxation and Current Tax Policy in Pakistan’s Agriculture
Full text linkpublic finance into the mould of classical welfare economics by emphasising minimisation of dead weight losses resulting from the imposition of a tax or faulty tax structure. As such, these modern theories have much in common with the traditional approach in terms of efficiency and equity. In spite of this, however, the differences remain. For example, the former theories adhere strictly to the norms of classical welfare economics which treats individual consumers as utility maximisers where improvements in welfare involve change that makes one individual better-off without making someone else worse-off [Stern (1987)]. In contrast to the emphasis of traditional theories on lump-sum taxes, the optimum tax literature is concerned with the implication of using non-lump-sum taxes which have a wider range and therefore more useful to the policy-maker. The recent work on normative tax theory looks at the impact of taxation on individual decisions and the trade off between raising revenues or redistributing tax burdens and the efficiency losses [Atkinson (1987)]. Finally, the optimal tax literature may be more pragmatic in its approach than traditional works as it realistically deals with government objectives and constraints and combines them into models that are sufficiently rich to allow for differences between people regarding income and expenditure patterns.
Synthesis of 6-ethoxyphenyl 4-fluorobenzenesulfonate-tagged thiosemicarbazones as carbonic anhydrase inhibitors: In-vitro and in silico approach
No full textIn this study, a series of 6-ethoxyphenyl-4-fluorobenzenesulphonate-based thiosemicarbazones (5a–w) were synthesized via a two-step process and structurally characterized by 1H NMR and 13C NMR spectroscopy. Their inhibitory activities against human carbonic anhydrase isoforms I and II (hCA I and hCA II) were evaluated, revealing potent inhibition at low nanomolar concentrations with IC50 values ranging from 56.36 to 230.17 nM for hCA I and 30.66 to 175.45 nM for hCA II. Compounds 5a, 5g, and 5n exhibited the highest enzyme inhibition, with 5a identified as the most potent in vitro inhibitor for both isoforms. Molecular docking studies and MM-GBSA binding free energy calculations demonstrated that compound 5n displayed the strongest binding affinity toward hCA I, stabilized by key interactions including π-π stacking, hydrogen bonds, and coordination to the catalytic zinc ion. Molecular dynamics simulations over 100 ns confirmed the stability and dynamic adaptability of the 5n–hCA I and 5g–hCA II complexes, preserving critical interactions essential for binding. Validation of the docking protocol yielded RMSD values below 2.0 Å, supporting the reliability of the computational approach. Overall, these findings highlight compounds 5n and 5g as promising lead molecules for selective inhibition of hCA I and hCA II, with potential applications in the treatment of carbonic anhydrase-related disorders
Forstyrrende atferd og klasseledelse En kvalitativ studie av fire læreres forståelse av og arbeid med forstyrrende atferd
No full textProblemområde: Hensikten med denne studien er å undersøke hvordan lærere forebygger og reduserer forstyrrende atferd i sine klasserom i lys av prinsippene for klasseledelse, definert i Classroom Assessment Scoring System (CLASS). Formålet er å bedre forstå hvordan lærere opplever og håndterer det som karakteriseres som et av skolens største problemområder. Metode: Studien benytter seg av kvalitativ metode, og semistrukturerte intervjuer ble anvendt for å få dypere innsikt i lærernes erfaringer og opplevelser med tematikken. Utvalget for denne studien består av fire lærere ved henholdsvis to barneskoler. Informasjonen som ble generert gjennom de semistrukturerte intervjuene ble transkribert, kodet og analysert ved bruk av tematisk analyse. Hovedfunn: Funnene i studien gjenspeiler kompleksiteten i klasserommet og elevenes atferd. Den forstyrrende atferden kan komme til uttrykk på ulike måter og er sannsynligvis et resultat av flere sammensatte faktorer. Studiens analyse viser at omfanget av forstyrrende atferd er relativt stort og utgjør en pedagogisk utfordring i lærernes hverdag. Samlet sett ser det ut til at lærerne har en god forståelse for prinsippene i CLASS og benytter flere av disse i sin praksis. Flere sider ved emosjonell støtte og dens betydning for atferd blir fremhevet. Lærerne er opptatt av å være lydhøre og imøtekomme elevenes faglige, sosiale og følelsesmessige behov. Videre er relasjonsbygging til elevene et av områdene som blir mest vektlagt av lærerne. Lærerne jobber systematisk for å etablere et klasseromsklima preget av trygghet og tillit der det er rom for å prøve og feile. Lærernes evne til å fremstå som tydelige ledere og å gi tilpasset støtte til elevene har stor betydning for elevenes atferd. Når det gjelder klasseromsorganisering viser resultatene at dette blant annet omfatter prosesser knyttet til lærernes planlegging og organisering av undervisingsøkter, men også av elevenes atferd. God organisering gir rammebetingelser for effektiv innsats og minimale forstyrrelser. Videre legger lærerne en innsats i å implementere regler og rutiner i klassen og forsøker å følge opp disse konsekvent. Samlet sett indikerer resultatene at lærerne gir emosjonell støtte og organiserer klasserommet på en effektiv måte for å forebygge og håndtere forstyrrende atferd
"Us ne Kaha Tha" by Ashar Najmi: A Novel of Contemporary Sensibility
No full textAsharcNajmi is the famous poet , author and edi tor ofwell known journal Asbaat. Ashar Najmi is an importantnovelist of the present era."Us ne kahatha'' is his first novel.This paper is about the critical analysis of this novel. Speciallythe theme of this novel is very different from other novels. Thestory line, the style in which novel presents the LGBTQproblems, their psychological condition, their selfDrespect, theirrole in society has been discussed in this paper. All aspects ofsociety that makes them ''others'' are observed in this paper. Inboth Pakistan and India different condition can be seenregarding their rights. Before AsharNajmi no one can be seen inUrdu literature who makes a sense regarding LGBTQcommunity issues. Avery unique and different narrative can beobserved in this postmodern novel
Design of LDPC Codes: A Survey and New Results
Full text linkThis survey paper provides fundamentals in the design of LDPC codes. To provide a target for the code designer, we first summarize the EXIT chart technique for determining (near-)optimal degree distributions for LDPC code ensembles. We also demonstrate the simplicity of representing codes by
protographs and how this naturally leads to quasi-cyclic LDPC codes. The EXIT chart technique is then extended to the special case of protograph-based LDPC codes. Next, we present several design approaches for LDPC codes which incorporate one or more accumulators, including quasi-cyclic accumulatorbased codes. The second half the paper then surveys several
algebraic LDPC code design techniques. First, codes based on finite geometries are discussed and then codes whose designs are based on Reed-Solomon codes are covered. The algebraic designs lead to cyclic, quasi-cyclic, and structured codes. The masking technique for converting regular quasi-cyclic LDPC codes to irregular codes is also presented. Some of these results and codes have not been presented elsewhere. The paper focuses
on the binary-input AWGN channel (BI-AWGNC). However, as discussed in the paper, good BI-AWGNC codes tend to be universally good across many channels. Alternatively, the reader may treat this paper as a starting point for extensions to more advanced channels. The paper concludes with a brief discussion of open problems
پریم چند کی تحریروں میں نسائی شعور(خصوصی مطالعہ گئودان)
No full textThere are many changes that have taken place in literature or in the new critical theories, the movement of feminism has a prominent place. Feminist concepts are presented in the works of male writers. The early fiction writers and novelists like Premchand also presents female characters. It exists and accordingly, it is natural for feminine concepts to come in. There are clear glimpses of feminine consciousness in Premchand’s personality and art, but in some places, he also imposes many restrictions regarding women under the guise of orientalism. This paper examines the personality of Premchand and the feminine concepts and female characters presented in Gaudana and tries to clarify the contradictions between his personality and in the novel
توتا کہانی: نوآبادیاتی بیانیہ کے تناظر میں ایک پڑھت
No full textIn Urdu literature, translations of many stories were published under Fort William College. “Tuta Kahani” is also a compilation of Syed Haider Bakhsh Haidari of the same period when the European imperialism was making its deep impression on the Indian society and various books were tranlsated written by the Indian writers to understand the thinking perspective of Indian society. In this story the role of British Empire as a colonizer is reflected and the rules and laws that were set up to keep the native indians in slavery. This paper examines these perspectives
غلام باغ -علامتوں کا ایک جہان
No full textMirza Athar Baig is a post-modern writer. Ghulam Bagh is his first post-modern novel. The trend of symbolism in fiction is a product of the dictatorship period. Ghulam Bagh explains the history with new symbolic elements. In this article, the intended meaning of these symbols has been clarified.The text of Ghulam Bagh has been carefully read regarding Derrida's Theory to see if it would be appropriate to call it a post-modern novel or not
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